LEGAL NOTICES AND TERMS OF USE

THESE TERMS OF USE (ALSO REFERRED TO HEREIN AS THE "AGREEMENT") GOVERN YOUR USE OF THE WEBSITE (AS DEFINED BELOW). BY ACCESSING THIS SITE, YOU ARE INDICATING YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THESE TERMS OF USE (YOU MAY ALSO HAVE ACCEPTED THESE TERMS OF USE IN OTHER WAYS). THESE TERMS OF USE ARE SUBJECT TO CHANGE BY PACIFIC INSURANCE PARTNERS. AT ANY TIME IN ITS DISCRETION. YOUR USE OF THE WEBSITE AFTER SUCH CHANGES ARE IMPLEMENTED CONSTITUTES YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THE CHANGES. PLEASE CONSULT THESE TERMS OF USE REGULARLY.

I. DEFINITIONS

A. "Pacific Insurance Partners" means Pacific Insurance Partners., and any and all subsidiaries.

B. "Pacific Insurance Partners Website" or "Website" means all websites, and all subsequent pages made available by or through such websites, owned or operated by Pacific Insurance Partners or its subsidiaries. Please note, however, that the Pacific Insurance Partners Website may contain links to third party URLs. Once such a third party link has been accessed, a user is no longer accessing the Pacific Insurance Partners Website.

C. "You" and "Your" means you, an individual user entering into this Agreement, or the entity on whose behalf you enter into this Agreement.

II. YOUR USE OF THE PACIFIC INSURANCE PARTNERS WEBSITE

A. Your use of the Pacific Insurance Partners Website shall be governed exclusively by the terms of this Agreement.

B. The Website includes original works of authorship (including, but not limited to, derivative works based on graphical scans or typed text of public domain materials) that are both proprietary and intellectual properties of Pacific Insurance Partners or its suppliers and are protected by both the terms of this Agreement as well as domestic and foreign contractual and intellectual property laws including but not limited to copyright, trademark, patent, and trade secret laws.

1. Copyright. All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Pacific Insurance Partners, its suppliers, or Pacific Insurance Partners's, or its suppliers', licensors and is protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of Pacific Insurance Partners and protected by U.S. and international copyright laws. All software used on this site is the property of Pacific Insurance Partners, its suppliers, or Pacific Insurance Partners's, or its suppliers', licensors, and is protected by United States and international copyright laws. The respective owners and licensees of any copyrights included in the Website retain and reserve all of their rights related to such copyrights.
2. Trademark. "Pacific Insurance Partners", are registered service marks of Pacific Insurance Partners. with all rights reserved. The Website may include these and other registered or unregistered trademarks or service marks of Pacific Insurance Partners, its suppliers, or Pacific Insurance Partners's, or its suppliers', licensors. The respective owners and licensees of any marks included in the Website retain and reserve all of their rights related to such marks.
3. Patent. One or more patents may apply to the Pacific Insurance Partners Website and to the features and services accessible therein, including U.S. and foreign patents.
4. Trade Secret. The Pacific Insurance Partners Website may contain software or other information that is confidential and proprietary to Pacific Insurance Partners, and/or protected by the trade secret laws of the individual states of the United States and of foreign countries. As part of Pacific Insurance Partners's efforts to maintain the secrecy of such information, You are prohibited from decompiling, reverse engineering and/or disassembling any portion or the whole of the Pacific Insurance Partners Website.

C. To the extent that You receive software from Pacific Insurance Partners from Your use of the Pacific Insurance Partners Website, such software is deemed part of the Pacific Insurance Partners Website.

D. Pacific Insurance Partners grants to You a non-exclusive and non-transferable license to:

1. Use the Pacific Insurance Partners Website as provided herein, until this Agreement is terminated;
2. Access, load, store and operate the Pacific Insurance Partners Website with browser software; and
3. Display, download and print portions of the Pacific Insurance Partners Website to investigate and/or purchase product(s) and/or service(s), subject to the limitations in this Agreement.

E. Notwithstanding the above, you shall NOT, without the prior written consent of Pacific Insurance Partners:

1. Decompile, reverse engineer, disassemble and/or create derivative works from the Pacific Insurance Partners Website;
2. Remove or obscure any proprietary notices including, but not limited to, any and all copyright, trademark and patent designations contained in the Pacific Insurance Partners Website;
3. Upload, post, email, transmit, publish, re-publish, distribute, display or otherwise make available the Pacific Insurance Partners Website to any third parties;
4. Use the Pacific Insurance Partners Website for any commercial, financial or other beneficial purpose, including, but not limited to, advertising, the exploitation, rental, lease, sale or resale of the Pacific Insurance Partners Website;
5. For a period of more than twenty-four (24) hours, cache or otherwise temporarily store the Pacific Insurance Partners Website or component thereof, on any server or other device used to communicate with individual personal computers or personal devices. Such limitation does not include cache which is automatically stored by an individual personal browser application;
6. Store the accessed, used, or downloaded Pacific Insurance Partners Website in any electronic, magnetic, optical or other format now known or hereinafter created for more than thirty (30) days;
7. Assign, rent, lend, lease, sell, sublicense, transfer, export from the United States, copy, reproduce, modify, adapt, translate, reverse engineer, decompile, disassemble, extract components or create derivative works of the Website; or
8. Remove, modify, hide or otherwise make unreadable or non-viewable any notice, legend, advice, watermark or other designation contained on the Website, component thereof or output there from.
9. (a) Co brand the Website, (b) frame the Website, or (c) hyper-link to the Website, or authorize or engage any other party to do any of the foregoing, without the express prior written permission of an authorized representative of Pacific Insurance Partners. For purposes of this Agreement, "co-brand" or "co branding" means to display a name, logo, trademark, or other means of attribution or identification of any party in such a manner as is reasonably likely to give a user the impression that such other party has the right to display, publish, or distribute this site or content accessible within this site. You agree to cooperate with Pacific Insurance Partners in causing any unauthorized co-branding, framing or hyper-linking immediately to cease.

F. You shall not interrupt, or attempt to interrupt, the operation of the Website in any way.

G. The Website may include technological protection measures that effectively control access, reproduction or distribution of the proprietary or intellectual properties accessible through the Website. Any attempt to tamper or dismantle these protections is a breach of this Agreement, and may be a violation of the Digital Millennium Copyright Act of 1998, and may subject the violator to civil and criminal penalties.

H. Content in the Website that is used or referenced in any print or electronic media must be done in accordance with generally accepted standards, and must provide for proper attribution to Pacific Insurance Partners.

I. Links to and from other websites: The Pacific Insurance Partners Website may contain links to other websites, and other websites may contain links to the Pacific Insurance Partners Website, such websites not being owned by, or under the direct control of, Pacific Insurance Partners ("Linked Websites"). The linked websites are not under the control of Pacific Insurance Partners, and Pacific Insurance Partners does not endorse, and is not responsible for, the functionality of the links to or from, content or applications provided by or through, or privacy policies or other agreements included in, a Linked Website. Pacific Insurance Partners is not responsible for licensing to You any content or application provided by or through a Linked Website, and Your use of content or application(s) provided by or through Linked Websites is governed solely by Your agreement, if any, with the owner and/or provider of the Linked Website. You use Linked Websites, and links to and from any third party website, at Your sole risk. For example, Pacific Insurance Partners is not responsible for, without limitation, any incorrect data, errors in computation, improper transmission of data, or a security breach resulting from Your use of a Linked Website or a link to or from a Linked Website. Pacific Insurance Partners provides links to You only as a convenience.

J. The Website may contain testimonials from customers of Pacific Insurance Partners or its agents. Testimonials are not representative of everyone's experience and only provide information about the individual's experiences as to the point in time when they are provided. Testimonials do not necessarily represent typical or expected results. All testimonials are authentic. Testimonials may be edited for clarity or brevity. All claims have been documented and verified for accuracy. No one has been paid to provide a testimonial on the Website. Individual results will vary.

K. You hereby grant to Pacific Insurance Partners the royalty-free, perpetual, irrevocable, worldwide, non exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display all content, remarks, suggestions, ideas, graphics, or other information communicated to Pacific Insurance Partners through this site (together, the "Submission"), and to incorporate any Submission in other works in any form, media, or technology now known or later developed. In general, unless an exception is noted when a Submission is made, or unless an exception exists under applicable law, regulation, or Pacific Insurance Partners's privacy policy found on this website, Pacific Insurance Partners will not be required to treat any Submission as confidential, and may use any Submission in its business (including without limitation, for products or advertising) without incurring any liability for royalties or any other consideration of any kind, and will not incur any liability as a result of any similarities that may appear in future Pacific Insurance Partners operations.

L. Pacific Insurance Partners may receive information relating to an application for an insurance policy via the Website even though Pacific Insurance Partners does not have the authority to bind the insurance policy applied for or to provide coverage. You acknowledge that the submission of an application for insurance via the Website may not result in Your obtaining insurance coverage.

III. YOUR REPRESENTATIONS & WARRANTIES

You represent, warrant and covenant that:

A. You are of a proper age to enter into this Agreement.

B. You are entering this Agreement with a sound mind and not under duress or emotional distress.

C. Any information that You have or shall provide to Us through the Website is true and accurate, and You shall modify such information as necessary or appropriate to maintain the accuracy of the information.

D. You shall at all times comply with all applicable laws, rules and regulations with respect to Your use of the Pacific Insurance Partners Website and with respect to any product or service related thereto.

E. You shall not use the Pacific Insurance Partners Website to infringe, misappropriate or violate any rights of Pacific Insurance Partners and/or any third party, including, but not limited to any customer of Pacific Insurance Partners or any entity associated with or visiting the Pacific Insurance Partners Website.

F. You shall comply at all times with this Agreement, including any modifications to this Agreement and/or the Agreements to which there is or may in the future be a link and a reference herein. The issue of Modification is set forth in Section 5, below.

IV. PRIVACY

With respect to information collected through the Website, Pacific Insurance Partners shall adhere to the Privacy policy found on our website’s homepage.

V. MODIFICATIONS

A. To the Agreement. We have the right to modify this Agreement and any other Agreement or policy referenced in the Website or linked to in the Website. No notice is required for any such modification. Any modification is effective immediately upon posting to the Website. Your continued use of the Website following posting of any modification(s) to this Agreement shall be conclusively deemed an acceptance of all such modification(s). Your only remedy with respect to any dissatisfaction with any modifications is to cease use of the Website.

B. To the Pacific Insurance Partners Website. We have the right to modify, suspend or discontinue the Website or any portion thereof at any time, including the availability of any area of the Website. We may also impose limits on certain features and services or restrict Your access to parts or all of the Pacific Insurance Partners Website without notice or liability.

VI. DISCLAIMER OF WARRANTIES

WE MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, TITLE, COMPATIBILITY, SECURITY, ACCURACY OR NON-INFRINGEMENT. WITHOUT LIMITATION, WE DO NOT WARRANT THAT (A) THE FUNCTIONS CONTAINED IN THE PACIFIC INSURANCE PARTNERS WEBSITE SHALL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (B) THE PACIFIC INSURANCE PARTNERS WEBSITE, INCLUDING THE SERVERS ON WHICH THE WEBSITE IS OPERATED, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; (C) YOUR INFORMATION, INCLUDING YOUR MEDICAL INFORMATION, WILL NOT BE DISCLOSED OR (D) INFORMATION PROVIDED IN THE WEBSITE IS COMPLETE, ACCURATE, ERROR-FREE, OR UP-TO-DATE.

VII. LIMITATIONS ON LIABILITY

USE OF THE PACIFIC INSURANCE PARTNERS WEBSITE IS AT YOUR SOLE RISK. YOU ASSUME FULL RESPONSIBILITY AND RISK OF LOSS RESULTING FROM YOUR USE OF THE WEBSITE, INCLUDING BUT NOT LIMITED TO YOUR HAVING INPUT YOUR INFORMATION, INCLUDING YOUR MEDICAL INFORMATION, INTO THE PACIFIC INSURANCE PARTNERS WEBSITE. PACIFIC INSURANCE PARTNERS SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE IF YOUR INFORMATION BECOMES DISCLOSED THROUGH THE ACT OF A THIRD PARTY OR THROUGH THE NEGLIGENCE OF PACIFIC INSURANCE PARTNERS. SPECIFICALLY, PACIFIC INSURANCE PARTNERS SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES UNDER THIS AGREEMENT OR BASED ON YOUR USE OF THE WEBSITE, INCLUDING, BUT NOT LIMITED TO, PUNITIVE, CONSEQUENTIAL, EXEMPLARY, SPECIAL, INCIDENTAL, DIRECT, INDIRECT, ATTORNEYS FEES, DAMAGES FOR LOSS OF PROFITS, GOODWILL OR OTHER INTANGIBLE LOSSES OR SIMILAR DAMAGES EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

VIII. LIMITATION OF DAMAGES

THE LIABILITY OF PACIFIC INSURANCE PARTNERS, IF ANY, ARISING OUT OF ANY KIND OF LEGAL CLAIM, WHETHER IN CONTRACT, TORT OR OTHERWISE, IN ANY WAY CONNECTED WITH THE PACIFIC INSURANCE PARTNERS WEBSITE OR THE INSURANCE PRODUCT(S) OR INSURANCE SERVICE(S) OFFERED THEREIN IS LIMITED TO THE MINIMUM AMOUNT ALLOWABLE BY LAW AND IN NO EVENT SHALL IT EXCEED ONE DOLLAR ($1.00).

IX. TERM & TERMINATION

A. This Agreement shall continue until terminated by Us or until You notify Us in writing, either via mail, email or fax, of Your decision to terminate this Agreement.

B. Termination shall take effect within thirty (30) days of receipt of your request and we shall send you written confirmation thereof. A written confirmation shall be required from us as proof that a notice of termination was in fact received from You. Moreover, upon termination of this Agreement, You are still bound by the Provisions of Sections 2-4, 6-8 and 15.

C. IF ANY OF THESE RULES OR ANY FUTURE CHANGES ARE UNACCEPTABLE TO YOU, YOU MAY TERMINATE THIS AGREEMENT IN WRITING EITHER VIA E-MAIL, FACSIMILE OR REGULAR MAIL. YOUR CONTINUED USE OF THE PACIFIC INSURANCE PARTNERS WEBSITE OR CONTINUED USE OF ANY OF OUR INSURANCE PRODUCT(S) OR INSURANCE SERVICES(S) FOLLOWING THE POSTING OF NOTICE OF ANY CHANGES IN THIS AGREEMENT, SHALL INDICATE ACCEPTANCE BY YOU OF SUCH RULES, CHANGES, OR MODIFICATIONS AND CONTINUATION OF THIS AGREEMENT.

D. EITHER YOU OR WE MAY TERMINATE THIS AGREEMENT AT ANY TIME. YOU UNDERSTAND AND AGREE THAT TERMINATION IS YOUR SOLE RIGHT AND REMEDY WITH RESPECT TO ANY DISPUTE WITH US. THIS INCLUDES, BUT IS NOT LIMITED TO, ANY DISPUTE RELATED TO, OR ARISING OUT OF: (1) ANY TERM OR CONDITION CONTAINED IN OR REFERENCED IN THIS AGREEMENT; (2) ANY POLICY OR PRACTICE OF PACIFIC INSURANCE PARTNERS; (3) ANY DISCLOSURE OR USE OF YOUR INFORMATION, INCLUDING MEDICAL INFORMATION; AND (4) YOUR ABILITY TO ACCESS AND/OR USE THE PACIFIC INSURANCE PARTNERS WEBSITE.

E. If We terminate this Agreement, We reserve the right to refuse to provide any Insurance Product or Insurance Service to You in the future.

X. MISCELLANEOUS

A. SEVERABILITY. If any provision of this Agreement is found by any court of competent jurisdiction to be invalid or unenforceable, the invalidity of such provision shall not affect the other provisions of this Agreement, and all provisions not affected by such invalidity shall remain in full force and effect.

B. WAIVER. The waiver by either party of a breach or default in any of the provisions of this Agreement by the other party shall not be construed as a waiver of any succeeding breach of the same or other provisions; nor shall any delay or omission on the part of either party to exercise or avail itself of any right, power or privilege that it has or may have hereunder operate as a waiver of any breach or default by the other party.

C. NOTICE. Any notice provided pursuant to this Agreement, if specified to be in writing, shall be in writing and shall be deemed given (A) if by hand delivery, upon receipt thereof, (B) if by mail, thirty (30) days after deposit in the United States mails, postage prepaid, certified mail, return receipt requested, (C) if by facsimile transmission, upon electronic confirmation thereof, or (D) if by next day delivery service, upon such delivery.

D. FORCE MAJEURE. If the performance of any part of this Agreement by the parties is prevented, hindered, delayed or otherwise made impracticable by reason of any flood, riot, terrorism, earthquake, fire, judicial or governmental action, labor disputes, act of God or any other causes beyond the control of either party, that party shall be excused from such to the extent that it is prevented, hindered or delayed by such causes; provided, however, that if such period of force majeure last more than thirty (30) days, then the other party hereto may terminate this Agreement.

E. CHOICE OF LAW. This Agreement shall be governed by and construed in accordance with the laws of the State of Florida without regard to the principles of conflicts of laws.

F. JURISDICTION AND VENUE. In all circumstances where subject matter jurisdiction lies for adjudication in the federal courts, any controversies or claims arising out of or relating in any way to this Agreement or a breach thereof, shall be adjudicated in the United States District Court for the Middle District of Florida. In all other cases, any controversies or claims arising out of or relating in any way to this Agreement or a breach thereof, shall be adjudicated in the courts of the state of Florida in Volusia County.

G. WAIVER OF JURY TRIAL. YOU KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVE ANY RIGHT YOU MAY HAVE TO A TRIAL BY JURY WITH RESPECT TO ANY PROCEEDING ARISING OUT OF OR IN ANY WAY RELATING TO THIS AGREEMENT.

H. ATTORNEYS FEES. You knowingly, voluntarily and intentionally agree to pay all costs and expenses, including attorneys fees, for Pacific Insurance Partners with respect to any proceeding arising out of or in any way relating to this Agreement, regardless of the outcome of said proceeding.

I. HEADINGS. The section headings used herein are for reference and convenience only and shall not enter into the interpretation hereof.

J. ENTIRE AGREEMENT. This Agreement, together with the Insurance Product(s) and Service(s) referenced herein, constitute the entire agreement between the parties with respect to the subject matter of the Agreement, and supersedes all prior agreements between the parties, whether written or oral, relating to the same subject matter.