It is very important that you read the following information carefully.
A. PRIVACY AND TERMS OF SERVICE
B. LIMITATION OF LIABILITY
While GRT Insurance Agency LLC and its affiliated companies, representatives, and/or agents thereof (collectively “GRT”) uses commercially reasonable efforts to include accurate and up-to-date information on GRT World Wide Web-deployed website(s) (“website(s)”), errors and/or omissions sometimes may occur. To the fullest extent permissible under applicable law, GRT makes no representations or warranties as to the accuracy of the content of the GRT website(s) and under all circumstances, including but not limited to negligence, will not be responsible for any damages or injuries that accompany or result from your use of its website(s). These include (but are not limited to) damages or injury caused by any: (1) use of (or inability to use) the website(s); (2) use of (or inability to use) any website(s) to which you hyperlink from its website(s); (3) error; (4) omission; (5) defect; (6) failure of performance; (7) interruption; (8) delay in operation or transmission; (9) computer virus or similar exploit; or (10) line failure. We are not liable for any consequential or incidental damages, which are damages intended to compensate someone directly for a loss or injury, damages reasonably expected to result from a loss or injury, or other miscellaneous damages and expenses resulting directly from a loss or injury. Furthermore, except as provided below, we are not liable even if we have been negligent or if our authorized representative has been advised of the possibility of such damage, or both. However, in certain states where the law may not allow us to limit or exclude liability for these incidental or consequential damages, the above limitation may not apply and you may have the right to recover these types of damages. In any event, GRT’s liability to you for all losses, damages, injuries and claims of any kind, whether the damages are claimed under the terms of a contract, or they are claimed to be caused by negligence or other wrongful conduct or any other legal theory, shall be limited to the net amounts actually paid by you for GRT and/or GRT website(s) usage, net of any pass-through expenses, and shall not include punitive damages or consequential or resulting damages of any nature.
To the fullest extent permissible pursuant to applicable law, the material on our website(s) are provided “as is” for information purposes only, and this means that GRT disclaims all express and/or implied warranties about the material and/or content (“content”) in our website(s). This includes, but it is not limited to, warranties that: (1) the content is of any particular level of quality or is fit for a particular purpose; (2) that the functional elements contained in the content will be uninterrupted or error-free; (3) that defects will be corrected; (4) that our website(s), or the servers that make them available are free of computer viruses or other harmful components or conditions; or (5) that information contained in the website(s) is accurate as of any particular date. GRT sometimes provide access to other World Wide Websites from our website(s) or you may have reached our website(s) from another website. However, GRT does not endorse or approve any products or information offered to you at website(s) you may reach from the GRT website(s) or from which you may have reached our website(s). The Uniform Resource Locator (URL) address in your web browser application will inform you if you are still in the GRT website(s) or have moved elsewhere.
By providing content on our website(s) GRT does not in any way represent, warrant, and/or promise that the content provided will remain available to you or that you will qualify for the services and/or products that may be offered. GRT is and shall remain fully entitled to terminate all or part of any of its website(s) at any time, without notice to you. When you select a password and sign-up in order to access GRT’s online services, you agree to the following conditions:
- Your password contains sensitive information and you will keep it private and confidential;
- GRT is authorized to act on instructions received under your password without any requirement to question those instructions;
- GRT is not liable for any unauthorized access to your personal information that is not directly due to the negligence of GRT;
- You will notify GRT immediately if you believe anyone else has learned your password or if you believe an unauthorized access to GRT or your personal information has occurred or may occur;
- GRT may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so.
- Violating the Terms and Conditions of Website Use may lead to a revocation of GRT website(s) access privileges.
GRT operates and controls its website(s) from the Company’s headquarters in Newport Beach, California, in the United States of America, and California law shall govern and control any action concerning the GRT website(s).
Unless otherwise expressly set forth herein, the content and/or material in GRT’s website(s) are presented solely for the purpose to provide information about GRT, GRT’s computer software applications, the insurance and non-insurance protection products offered by GRT and/or via the GRT computer software application, and the risk mitigation and insurance business in general.
Unless otherwise expressly set forth herein, GRT makes no representation that materials on this website are appropriate or available for use in any location or jurisdiction. The website(s) may contain references to services and/or products that are not offered or available in the state or country in which you reside and/or you conduct business. GRT does not in any way imply or represent that the content and/or materials on the website(s) or the services and/or products displayed therein are available or for use in jurisdictions in which GRT is not licensed to do business, and/or that GRT is soliciting business in any such jurisdiction.
Unless otherwise expressly set forth herein the information contained on the website(s) is not an offer to sell or a solicitation to buy any security, insurance product or other service or product by GRT. No security, insurance product or other service or product is offered or will be sold by GRT or, if sold by GRT, 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.
By using the GRT website(s), you agree to these Terms and Conditions of Website Use. A person, acting on their own behalf and/or in the service of another party, who chooses to access the website(s) does so on their own initiative and are responsible for compliance with local laws, and by completing an on-line request for a service or product cost quote, that person is hereby confirming that they, or the party they are representing, are not a resident in any such jurisdiction.
GRT sells insurance as an agent or broker by contractual agreement with insurance companies. We are licensed in states of the United States as required by each insurance company that has appointed us to sell their policies and/or that GRT has client policy-holders domiciled. If GRT is not licensed in your jurisdiction, we will refer you to an affiliated firm that is. Please contact us with any licensing questions. We maintain our primary offices, headquarters, and domicile in California.
F. COPYRIGHT AND TRADEMARK RIGHTS
The trademarks, services marks, trade names, logos, and icons (“Marks”) displayed on the GRT website(s) that are not already the property of their respective owners are the property of GRT. Nothing contained on the website(s) may or should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Marks displayed on the GRT website(s) without the written permission of GRT. Website(s) users are strictly prohibited from using any Marks for any purpose including, but not limited to, use as metatags on other pages or website(s) without the prior written permission of GRT or the owner of the relevant Marks. You hereby acknowledge and agree that, as between GRT and you, all right, title, and interest in and to the website(s), including without limitation any patent rights, patents, business methods, copyrights, trademarks, trade secrets, inventions, know-how, and all other intellectual property rights pertaining thereto, shall be owned exclusively by GRT.
The GRT website(s) may contain links to other website(s) operated by other parties (each a “Linked Website”). GRT provides these links to other Linked Website(s) as a convenience, and your use of these website(s) is at your own risk. The Linked Websites are not under the control of GRT, and GRT is not responsible for the content available on these third party website(s). Such links do not imply GRTs endorsement of information or material on any other website(s) and GRT disclaims all liability with regard to your access to and use of such Linked Websites.
Unless otherwise set forth in a written agreement between you and GRT, you must adhere to GRT’s linking policy as follows: (1) the appearance, position and other aspects of the link may not be such as to damage or dilute the reputation of GRT; (2) the appearance, position and other attributes of the link may not create the false appearance that your organization or entity is sponsored by, affiliated with, or associated with GRT; (3) when selected by a user, the link must display the website(s) on full-screen and not within a “frame” on the linking website(s); and (4) GRT reserves the right to revoke its consent to the link at any time and in its sole discretion.
Should any provision of these terms and conditions be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions, and the remainder of these terms and conditions will be reformed to carry out the intentions of the parties.
G. APPLICATION SOFTWARE LICENSING
You acknowledge that any computer application software and/or enabled online functionality (“software”) that may be available or provided to you on the GRT website(s) 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. GRT does not authorize the downloading or exportation of any software or technical data from the GRT website(s) to any jurisdiction prohibited by such export controls laws and regulations.
H. OWNERSHIP OF INFORMATION
Any information, other than personal and/or client-confidential data or information, that you transmit to GRT or via the GRT website(s), by electronic mail or otherwise, including questions, comments, suggestions, or data will be identified and utilized as non-proprietary and non-confidential and will become the property of GRT. Such information, other than personal and/or client-confidential data or information, may be used for any purpose by GRT, including, but not limited to, publication, reproduction, solicitation, disclosure, transmission, and/or broadcast/posting. GRT is free to use any suggestions, ideas, concepts, know-how, or techniques contained in any communication you send to GRT via the GRT website(s) or by any other means for any purpose whatsoever, including, but not limited to, developing and promoting new services and/or products using such information.
I. PREMIUMS, FEES, AND COMPENSATION
Insurance policy premium costs are established, and provided to GRT, by the insurance companies that provide the insurance policy programs. Other program fee costs are established, and provided to GRT, by the sponsoring or providing companies that sponsor/provide those programs. GRT is compensated with either a sales commission and/or service/referral fee by the insurance or other program provider when a compliant purchase transaction is completed by a customer.
For Questions, please contact us at: ClientService@GRTInsurance.com.
VERSION OF: 01 June 2018
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