Terms & Conditions

Conditions of Use

DISCLAIMER

To the fullest extent permissible pursuant to applicable law, the materials on this website are provided “as is”and without warranties of any kind either expressed or implied and POWERS^® Insurance and Benefits and its subsidiaries and affiliates (collectively, “POWERS^®“) disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. POWERS^® does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. POWERS^® does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not POWERS^®) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant product or services agreement.

This website may be linked to other websites which are not maintained by POWERS^®. POWERS^® is not responsible for the content of those websites. The inclusion of any link to such websites does not imply approval of or endorsement by POWERS^® of the websites or the content thereof.

LIMITATION OF LIABILITY

While POWERS^® uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, POWERS^® makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall POWERS^® or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if POWERS^® or an POWERS^® authorized representative has been advised of the possibility of such damages. In no event shall POWERS’s^® total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website. POWERS^® also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, 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 materials, data, text, images, video, or audio from this website.

RESTRICTIONS ON USE OF MATERIALS

This website is owned and operated by POWERS^®. Except as otherwise expressly permitted by POWERS^®, no materials from this website or any website owned, operated, licensed or controlled by POWERS^® may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without POWERS’s^® written permission. POWERS^®neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.

JURISDICTIONAL ISSUES

Unless otherwise expressly set forth herein, POWERS^® makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.

Except as expressly set forth herein the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by POWERS^®. No security, insurance product or other product or service is offered or will be sold by POWERS^® or, if sold by POWERS^®, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

OWNERSHIP OF INFORMATION

Any information, other than personal data or information, you transmit to POWERS^® via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of POWERS^®. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. POWERS^® is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to POWERS^®via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

COPYRIGHT NOTICE AND REPRODUCTION

The website and all present and future copyright, trademarks, and other intellectual property rights relating to the website are vested in POWERS^® and or its licensors. You acquire no rights in the website other than the limited right to use the website in accordance with the terms. You agree to protect the proprietary rights of POWERS^® and its licensors and agree to promptly notify POWERS^® in writing (contact details below) upon becoming aware of any unauthorized access or any use of the website that infringes upon any proprietary rights.

All trademarks, services marks, trade names, logos, and icons are proprietary to POWERS^®. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of POWERS^®. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.

Images displayed on this website are either the property of, or used with permission by, POWERS^®. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by POWERS^®. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

You are permitted to print out or download information and content from this website only for your own personal non-commercial use or for the non-commercial use of your organization. You may not offer for sale or sell or distribute over any medium any part of this website or its content. You may not make any part of the website available as part of another website, whether by hyperlink framing on the internet or otherwise unless you have been authorized to do so in writing by POWERS^®. To apply for authorization, you must either e-mail or write to POWERS^® (contact details below) with the following details: (a) your name or the name of the technical contact responsible for the link(s); (b) the name of your company; (c) the email address and telephone number for you. You may not use the POWERS^® name or misuse the POWERS^® brand in any way, such use or misuse to be determined solely at the discretion of POWERS^®. All moral rights, intellectual property rights and other equivalent rights derived from the contents of the website are hereby asserted and reserved.

SOFTWARE LICENSES

You acknowledge that any software which may be available or provided to you on this website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. POWERS^® does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by such export controls laws and regulations.

ACCURACY OF THE WEB SITE

POWERS^® does not guarantee the accuracy, completeness or correctness of any information on the site. You agree that use of the site and its contents is entirely at your risk and to the extent permitted by law, all warranties or conditions that would, but for the terms of this disclaimer, be implied by statute or otherwise, are excluded.

POWERS^® will not be liable, under the terms of this disclaimer or otherwise, for any loss of profit, loss of revenue, loss of contract or any other indirect or consequential loss you may suffer as a result of the use of any of the information contained in the web site.

CHANGES TO THE WEB SITE

POWERS^® may correct any errors or omissions or change the format or content of the site at any time and may terminate or suspend the operation of the site for any reason, without notice or liability.

Routine maintenance, demand on systems and other circumstances may mean that this web site and the services provided on it may not always be available.

PRODUCTS/SERVICES MADE AVAILABLE

The content and information provided by POWERS^® on this web site is not intended to be advice of any kind. A product or service shown on this web site may not necessarily be suitable for you – this is for you to decide (and if in doubt, you may wish to seek appropriate independent advice).

BEFORE PURCHASING A POLICY YOU CONFIRM THAT

All answers given in your application are true and correct You have read and understood the relevant policy terms and conditions and are satisfied the product meets your needs.

The information and statements you give, together with the policy terms and conditions, form the basis of the contract. If you do not provide true, correct and full information you may invalidate your insurance policy. All statements made by you or information you provide prior to purchase are your responsibility. POWERS^® is not bound to offer you insurance.

POWERS^® makes every reasonable effort to provide accurate and up-to-date information about the products and services it provides. However, the information is subject to change without notice and you should always check the current terms and conditions of specific products and services.

ILLEGAL ACTIVITY

If you access or use any information on this web site and by doing so, you break any law, POWERS^® will not be responsible.

COOKIES

Cookies are used on our site for the purpose of compiling web statistics. They are not used to gather personal information about website users. Any information stored in the cookie is solely for server administration purpose.

Cookies are programs which track the movements of individual visitors to the website and gather information. The web browser stores this information on disk in the form of a small data file. You may refuse the cookie, if you wish. To do so, you will need to adjust your browser settings.

CHANGES TO TERMS AND CONDITIONS

These terms and conditions are subject to change without notice and at any time. Whilst visiting the web site you agree to be bound by the current terms and conditions and you should always check them each time you revisit the site.