Read these terms of use carefully before accessing or using any part of the website. By accessing or using this website, you agree that you have read, understand, and agree to be bound by these terms of use (as amended from time to time). If you disagree with these terms of use, do not access or use any part of the website.
We reserve the right to modify these terms and conditions as necessary. Any changes will be posted on this website and will take effect immediately. You agree to the updated terms and conditions by continuing to use this website. If you do not agree with the modifications or are unsatisfied with the website, you may discontinue using it.
You agree to use this website only for lawful purposes. We should not use the website to break any laws or violate the rights of others. You must not upload or transmit defamatory, indecent, obscene, harassing, violent, or objectionable material that could harm others. You must also not upload or transmit any material protected by copyright without permission from the copyright owner.
Furthermore, you must not restrict or inhibit others from using the website and must not upload or transmit files containing viruses or corrupted data. You are not allowed to collect information about others without their consent or download software or files that cannot legally be distributed over the website.
Lastly, you must not misrepresent any affiliation with any person or organization or engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the website. We reserve the right to determine whether any conduct violates these terms and may take appropriate action, including removing any content and terminating your account if necessary.
You agree that all the information and instructions you provide to us through the website are accurate, complete, and true. You also agree to inform us if there are any changes to the information provided. We reserve the right to use third-party services to verify some or all of the information you provide us.
We reserve the right, but do not assume any responsibility, to:
Remove, as applicable, any material posted on the website that we, in our sole discretion, deem inconsistent with the preceding commitments. Terminate any user’s access to all or part of the Website. However, we cannot review all material before it is posted on the website or ensure prompt removal of objectionable material afterward; therefore, we assume no liability for any action or inaction regarding transmissions, communications, or content provided by third parties.
We reserve the right to take any action necessary to protect the personal safety of users of this website and the public; however, we have no liability or responsibility to anyone for the performance or nonperformance of the activities described in this paragraph except as required by applicable law.
Please note that some of this website’s products, services, or features may not be available in your state or country. Different countries, states, or territories may have different laws, and the information this website provides does not imply that these services will be available to you. Please be aware that nothing on this website should be considered a solicitation to buy or an offer to sell a security, insurance product, or service to any person in any jurisdiction where such offer or solicitation, purchase, or sale would be unlawful under the securities, insurance, or other laws of such jurisdiction.
Please note that eligibility for certain products and services is subject to underwriting qualifications, eligibility criteria, and acceptance by the member company providing the product or service…
If you submit a claim under your policy, the information you provide and the loss will be reviewed and verified. We may request additional information before making a final decision on your claim. A claim representative may also contact you regarding your claim. It’s important to note that your claim is subject to the terms and conditions outlined in your policy.
Your use of this Website is also governed by our Privacy Policy, which can be found here. Please review the Privacy Policy to learn about our information practices regarding collecting, using, disclosing, and protecting personal information.
Before making electronic transactions via the website, we must provide you with certain disclosures. Additionally, we need your consent before delivering or authorizing the delivery of specific documents to you electronically. Suppose you decide to enter into a transaction with us via the website. In that case, you acknowledge that you have received and read our electronic document disclosure and consent form, which has been provided separately.
While we strive to provide precise and current information on this website, it may not always be possible. We do not guarantee or warrant that the information and materials presented on this website are complete, accurate, up-to-date, or free of errors or defects. The content, services, or functions offered on this website may contain inaccuracies or mistakes and could be modified or updated at any time without prior notice.
In no event shall PME and Associates or its affiliates be liable for damages arising from using this website. We are not responsible for any errors, interruptions, or viruses. You are responsible for any costs associated with servicing or repairing your property. Our liability is limited to the amount you paid to access this site.
Please note that we reserve the right to modify, suspend, or terminate this website or your access to it at any time, for any reason, without prior notice or liability to you or any third party. Additionally, this website may occasionally become unavailable due to maintenance or technical issues. Please be aware that we do not guarantee that any content or service, including but not limited to downloadable files, available on this website is free from computer viruses, malware, or other harmful programs, software, code, or devices that could potentially erase, scramble, lock or disable your computer software, content or equipment, or prevent you from accessing this website or any other hardware or software. Therefore, it is recommended that you regularly scan your system and download files for such destructive programs.
All information, material, and content accessible or generated by this website, including but not limited to text, graphics, images, icons, software applications and code, video, audio, and user interface design (collectively referred to as “Content”) is the exclusive property of PME and Associates or its licensors. The content is protected by the United States, as well as by foreign copyright laws and conventions. PME and Associates or its licensors retain all rights, titles, and interests in and to the Content.
You are not allowed to modify, reproduce, copy, distribute, transmit, display, publish, download, upload, sell, license, create derivative works of, or use any aspect of the Content for commercial or public purposes or any other purpose not expressly permitted by these terms.
This website does not provide personalized investment advice. All information available to you on or through this website is provided for informational purposes only, and no reference to any specific security constitutes a recommendation to buy, sell, or hold that security or any other security. No security is offered or will be sold in any jurisdiction in which such offer or sale would be unlawful under the securities, insurance, or other laws of such jurisdiction.
The information provided on this website is not intended to serve as legal or tax advice for any customer, prospective customer, or member of the public. We strongly advise you to consult your attorney, accountant, or other professional advisor for legal or tax-related concerns.
We may include information on this website that third parties or links and frames have provided to sites owned or operated by third parties (collectively referred to as “Third Party Sites”). These are provided for your convenience and general informational purposes only. Any views, opinions, advice, or information expressed or made available by a third party and displayed or linked on this website are solely those of the third party and do not reflect those of PME and Associates. We do not guarantee the accuracy, completeness, or usefulness of any views, opinions, advice, or information expressed or made available by third parties and displayed or linked on this site. We do not assume any legal liability or responsibility for them.
We are not responsible for the content of any third-party sites and cannot guarantee that such sites will not change without our knowledge. Including links to and frames of third-party sites in this website does not imply our endorsement, authorization, or sponsorship of the third-party sites or their content unless specifically stated otherwise on that site. We accept no responsibility for the content or services provided on any third-party site. Your decision to access such websites is solely at your own risk. We are not liable for any damages you may incur from clicking on a third-party site.
These terms and conditions are subject to the laws of the State of [insert state] without affecting any conflicts of law principles. This agreement shall benefit us, including our successors and assigns, through merger, consolidation, or otherwise. As amended from time to time, these terms and conditions fully and solely represent the agreement between you and us concerning your use of the website. No other terms communicated to you orally or by any other means shall have any legal effect. If you have any legal disputes arising from these terms or your website use, the exclusive jurisdiction must be in the state or federal courts ().
Our company, PME and Associates, its subsidiaries, and our insurance operating company affiliates provide general information about us and our services through our website. By using our website, you agree to be bound by these terms of use.