Terms of Use
This page sets forth the terms and conditions under which Alan Galvez Insurance Ltd. (hereafter referred to as the "Agency") provides the information on this Web site, as well as the terms and conditions governing your use of this site. By making use of this site, you agree to be bound by the terms and conditions we have outlined below. If you do not accept these terms and conditions, do not continue to use or access this site. We reserve the right, at our discretion, to update, change, modify, add, or remove portions of these Terms of Use from time to time. Your continued use of this site following the posting of changes to these terms will be considered acceptance of those changes. Agency may terminate, change, suspend or discontinue any aspect of the Site, including the availability of any features of the Site, at any time. Agency may also impose limits on certain features and services or restrict your access to all or part of the Site without notice or liability.
Nothing on this website constitutes an offer of insurance. Eligibility for insurance coverage will be determined at the time of application, based upon the insurer’s underwriting guidelines and rules in effect at that time. The insurance products referenced in this website may be altered by the insurer at any time. All insurance products are subject to terms, conditions and exclusions not described on this website. I understand that any insurance terms, definitions, descriptions of coverage and other insurance information are meant for general informational purposes and not meant as specific advice or recommendations. I also understand that these terms and definitions may not be up-to-date or compete. For detailed information, it is my responsibility to contact the "Agency" and/or consult the insurance policy.
Permitted Uses and Users
The "Agency" provides the galvezinsurance.COMSM Web site ("Site") without charge to the general public ("Users") for the purpose of providing Users information about the "Agency", its services, and insurance services in general. The Site may be used for that purpose only and not for any commercial purposes.
Agreement to be Legally Bound by These Terms
By using the Site or downloading materials from the Site, you agree to abide and be legally bound by these Terms of Use, including any changes to these terms that are made by "Agency" and reflected in the Terms of Use posted on the Site at the time you use the Site. If you do not agree to abide and be legally bound by these Terms of Use do not use the Site or download informaiton from the Site.
Limited License
Subject to these terms and conditions, the "Agency" grants you a non-exclusive, non-transferable, limited right to access, use and display this Site and the materials and information thereon ("Information"). You agree not to interrupt or attempt to interrupt the operation of the Site. You may use the Site and view and download the Information only for the purposes stated above. This license is not a transfer of title in the Information or any copies of the Information and is subject to the following restrictions: 1) you must retain, on all copies of the Information downloaded, all copyright and other proprietary notices contained in the Information; 2) you may not modify the Information in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial; and 3) you must not transfer the Information to any other person unless you give them notice of, and they agree to accept, the obligations arising under these Terms of Use. You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time. This Site, including all Information, is protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws in your use of this Site and to prevent any unauthorized copying of the Information. Except as expressly provided herein, Agency does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secrets.
Disclaimer of Liability- Third Party Sites
This site may contain links to other Internet sites ("third-party sites") that are not maintained by the "Agency". These links are provided solely for your convenience. If you use these sites, you will leave this Site. Since other sites are not under our control, we cannot guarantee the quality, accuracy, or timeliness of those sites. The "Agency" makes no warranty or representation regarding, and does not endorse, any linked Web sites or the information appearing thereon or any of the products or services described thereon. Links do not imply that the "Agency" or this Site sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of the "Agency" . Questions about the content of those sites should be directed to their authors. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses, malicious codes and other items of a destructive nature. IN NO EVENT WILL the "Agency" BE LIABLE TO ANY PARTY FOR ANY LOSS OR DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES CAUSED BY USE OF THIS WEB SITE, OR ANY OTHER HYPERLINKED WEB SITE.
Information Provided By You
I understand that no coverage or changes will be considered bound or in force until I have received written or verbal confirmation from a licensed agent of the "Agency".
I understand that the "Agency" will receive documentation of service requests, requests for information or declination for additional information which may become part of my customer file.
I understand that the "Agency" will process service requests based on information provided through this site, and that I will receive confirmation of all changes to my coverage. I authorize all such changes, and assume the responsibility of notifying the "Agency" in the event of errors or misunderstandings.
Do not send other business proposals, inventions or ideas to the "Agency" through the Site. You agree that any materials or information that you or individuals acting on your behalf provide to "Agency" will not be considered confidential or proprietary, except to the extent it is covered by the "Agency’s" Privacy Policy. By providing any such materials or information to the "Agency", you grant to "Agency" an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, transmit and distribute such materials and information, and you further agree that "Agency" is free to use any ideas, concepts or know-how that you or individuals acting on your behalf provide to "Agency". You further recognize that Agency does not want you to, and you warrant that you will not, provide any information to "Agency" that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.
Limitation of Damages
IN NO EVENT WILL "AGENCY", ITS EMPLOYEES, OFFICERS, DIRECTORS OR ANY OF ITS SUBSIDIARIES BE LIABLE TO ANY PERSON OR ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON ANY INFORMATION HANDLING SYSTEM, EXPOSURE TO VIRUSES, WORMS, OT OTHER DESTRUCTIVE ELEMENTS, OR CLAIMS OF THIRD PARTIES) THAT ARE RELATED TO THE USE OF, OR THE INABILITY TO USE, THE CONTENT, INFORMATION, AND FUNCTIONS OF THE SITE OR ANY LINKED WEB SITE, EVEN IF AGENCY IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Location of Use and Choice of Law
This Site is controlled, operated and administered by "Agency" from its offices within the State of Ohio, United States of America. "Agency" makes no representation that Information at this Site are appropriate or available for use at other locations outside of the United States and access to them from territories where their contents are illegal is prohibited. The Site may not be used to sell insurance products in any state where "Agency" is not licensed to do business, AND agency hereby expressly disclaims any intent to advertise, sell or solicit the sale of any insurance or annuity products in any state other than Ohio. You may not use the Site or export the Information in violation of U. S. export laws and regulations. If you access this Site from a location outside of the United States, you are responsible for compliance with all local laws.
Use of this web site is governed by the laws of the state of Ohio other than laws governing conflicts of laws. The exclusive venue for the resolution of any related dispute is a court of competent jurisdiction in Bellefontaine, Ohio. If any part of these terms and conditions are invalidated by a court of competent jurisdiction, the invalid provision(s) are deleted and the remaining provisions are not affected and remain valid and enforceable in accordance with the express terms thereof.
Relation to Other Agreements or Policies
This Agreement constitutes the entire agreement between "Agency" and you with respect to your use of the Site. In addition, use of this Site is subject to all applicable policies relating to doing business with "Agency", including but not limited to "Agency’s" Privacy Policy.
Severability
If for any reason a court of competent jurisdiction finds any provision of the Agreement or portion thereof to be unenforceable, that provision will be enforced to the maximum extent permissible so as to effect the intent of the Agreement, and the remainder of this Agreement will continue in full force and effect.