Terms of Service & Advertiser Disclosure

These terms and conditions ("Terms", "Agreement") are an agreement between Bill Gardner Insurance ("Bill Gardner Insurance", "us", "we" or "our") and you ("User", "you" or "your"). This Agreement sets forth the general terms and conditions of your use of the Bill Gardner Insurance Website and any of its products or services (collectively, "Website" or "Services").

Accounts and Membership

If you create an account in the Website, you are responsible for maintaining the security of your account and you are fully responsible for all activities that occur under the account and any other actions taken in connection with it. We may, but have no obligation to, monitor and review new accounts before you may sign in and use our Services. Providing false contact information of any kind may result in the termination of your account. You must immediately notify us of any unauthorized use of your account.

User Content

We do not own any data, information or material ("Content") that you submit in the Website in the course of using the Service. You shall have sole responsibility for the accuracy, quality, integrity, legality, reliability, appropriateness, and intellectual property ownership or right to use of all submitted Content. We may, but have no obligation to, monitor and review Content in the Website submitted or created using our Services by you.

Billing and Payments

You shall pay all fees or charges to your account in accordance with the fees, charges, and billing terms in effect at the time a fee or charge is due and payable. Where Services are offered on a free trial basis, payment may be required after the free trial period ends. Sensitive and private data exchange happens over a SSL secured communication channel and is encrypted and protected with digital signatures.

Accuracy of Information

Occasionally there may be information in the Website that contains typographical errors, inaccuracies or omissions that may relate to promotions and offers. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Website or on any related Service is inaccurate at any time without prior notice (including after you have submitted your order).

Intellectual Property Rights

This Agreement does not transfer to you any intellectual property owned by Bill Gardner Insurance and all rights, titles, and interests in and to such property will remain (as between the parties) solely with Bill Gardner Insurance. All trademarks, service marks, graphics and logos used in connection with our Website or Services, are trademarks or registered trademarks of Bill Gardner Insurance or Bill Gardner Insurance licensors.

Disclaimer of Warranty

You agree that your use of our Website or Services is solely at your own risk. You agree that such Service is provided on an "as is" and "as available" basis. We expressly disclaim all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

Limitation of Liability

To the fullest extent permitted by applicable law, in no event will Bill Gardner Insurance, its officers, directors, employees, agents, suppliers or licensors be liable to any person for any indirect, incidental, special, punitive, cover or consequential damages (including, without limitation, damages for lost profits, revenue, sales, goodwill, use of content, impact on business, business interruption, loss of anticipated savings, loss of business opportunity) however caused.

Dispute Resolution

The formation, interpretation, and performance of this Agreement and any disputes arising out of it shall be governed by the substantive and procedural laws of New York, United States without regard to its rules on conflicts or choice of law and, to the extent applicable, the laws of United States. The exclusive jurisdiction and venue for actions related to the subject matter hereof shall be the state and federal courts located in New York, United States.

Changes and Amendments

We reserve the right to modify this Agreement or its policies relating to the Website or Services at any time, effective upon posting of an updated version of this Agreement in the Website. When we do, we will revise the updated date at the bottom of this page. Continued use of the Website after any such changes shall constitute your consent to such changes.

Acceptance of These Terms

You acknowledge that you have read this Agreement and agree to all its terms and conditions. By using the Website or its Services you agree to be bound by this Agreement. If you do not agree to abide by the terms of this Agreement, you are not authorized to use or access the Website and its Services.