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Terms of Use

Welcome to InsuranceThoughtLeadership.com (the "Site"). If you continue to browse and use the Site, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern InsuranceThoughtLeadership.com's relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use the Site.

The term 'InsuranceThoughtLeadership.com' or 'us' or 'we' refers to the owner of the website whose mailing address is P.O. Box 926, Aptos, CA, USA 95001. The term 'you' refers to the user or viewer of our website.

The use of the Site is subject to the following terms of use:

1. The content of the pages of the Site is for your general information and use only. It is subject to change without notice.

2. Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on the Site for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

3. Your use of any information or materials on the Site is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through the Site meet your specific requirements.

4. The Site contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.

5. All trademarks reproduced on the Site which are not the property of, or licensed to, the operator are acknowledged on the Site.

6. Unauthorised use of the Site may give rise to a claim for damages and/or be a criminal offence.

7. From time to time the Site may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

8. Your use of the Site and any dispute arising out of such use of the Site is subject to the laws of California in the United States.

Last modified on December 31, 2010.