Terms of Use
Introduction
This website is owned, operated and controlled by LIA Administrators &
Insurance Services ("LIA", "we", "us" or "our"). Your use of this website
(including use of the website to submit any application for insurance) is
expressly subject to your acceptance and agreement to these terms of
use. Please read them carefully. If these terms of use are not completely
acceptable to you, you must immediately cease your use of this website and you
should not submit any application for insurance using this website. As an
alternative to using the website to apply for insurance, you may download a
blank application for completion at http://www.liability.com/forms/ or
you may obtain a printed application by calling us at 1-800-334-0652 or writing
to us at LIA Administrators & Insurance Services, P.O. Box 1319, Santa Barbara,
California 93102-1319.
This website may provide general descriptions of insurance products, coverage
and services available through LIA. These descriptions are not a part of any
insurance contract or policy and do not amend, revise or alter the terms of any
policy issued through LIA or any insurance carriers. If you decide to purchase
insurance products offered by LIA, the terms and conditions stated in your
insurance policy will apply. You may obtain a copy of any applicable policy
form for your consideration by requesting it from us.
E-Mail Communications
You agree that correspondence with you regarding the submission and handling
of your application for insurance may be conducted by email and/or over the
internet. E-mail submissions and use of the internet may not be secure and are
subject to the risk of interception by third parties. Please consider this fact
before e-mailing any information.
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Scope of Use
You are only authorized to view, use, copy for your records and download
portions of this website (including without limitation text and graphics) for
your own informational use and in connection with your submission of an
application for insurance to LIA. You must not remove any copyright and other
proprietary notices contained on the materials. The commercial use,
reproduction, transmission or distribution of any information or content from
this website without the prior written consent of LIA is strictly prohibited.
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Copyrights and Trademarks
This website and its content are protected by copyrights individually and as
a collective work or compilation, pursuant to U.S. copyright laws and other
laws. Unless otherwise indicated, the content of this website, including without
limitation all of its text, is the exclusive property of LIA. Except as stated
above in the "Scope of Use" section, you may not use, reproduce, modify,
transmit, distribute, or publicly display any content from this website without
the prior written consent of LIA. You may not use any part of this website on
any other website without the prior written consent of LIA.
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Privacy
Personal information that can identify an individual, such as name, address
or policy information and information that is confidential in nature such as
financial data is collected on this website only when it is voluntarily offered
by you and will be used solely for the purposes of considering your insurance
application, underwriting potential insurance coverage and considering or
handling claims matters. Such information may be shared with the insurance
carriers and legal counsel for these purposes. We collect non-personal
information to track the total number of guests visiting the website and to
guide our efforts to improve the website. We do not sell or make available to
third parties (other than the insurance carriers and legal counsel) any personal
or non-personal information obtained through the website.
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Links
LIA makes no representation regarding the content or accuracy of any website
that you may access via links on this website. Inclusion of such links on this
website does not imply endorsement, recommendation or sponsorship for any linked
website or its affiliated owner or the services, products or advice described on
such other site. LIA assumes no responsibility or liability for the content of
any linked sites. You may not link to this website without LIA's written
permission. If you are interested in linking to this website, please contact carrie@liability.com.
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Governing Law
These terms of use shall be governed in all respects by the laws of the State
of California without reference to its choice of law rules. If an applicable
law is in conflict with any of these terms of use, the affected terms will be
deemed modified to conform to the law. The other terms in this agreement will
not be affected by any such modification.
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Disclaimer
The information and descriptions contained on our website are provided "as
is" and for general informational purposes. LIA makes no representations or
warranties that the materials are suitable for your needs, are complete, timely,
reliable, or are free from errors, inaccuracies or typographical mistakes. LIA
does not warrant that the website will operate error free or free from viruses,
worms, Trojan horses or other destructive or harmful code and assumes no
responsibility, and shall not be liable for, any damages to your computer
equipment or other property as a result of your access to, use of, or browsing
in the website or your downloading of any material from this website or arising
in connection with any failure of performance, error, omission, interruption,
defect, computer virus, delay in operation or transmission, or line or system
failure.
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