Website Usage Agreement Terms and Conditions

 

Acceptance of Terms and Conditions

 

The following are the terms and conditions under which Houston International Insurance Group, Ltd. and its affiliates (collectively, “HIIG,” or “We”) provide the information on this website, as well as the terms and conditions governing your use of this site. By making use of this website, you agree to be bound by these terms and conditions. If at any time you do not accept the terms and conditions, do not access the website or any of its pages or otherwise use this website and any information contained on the website.  

These terms and conditions are subject to change at any time without notice, such changes to take effect when posted to the website.  We may terminate, change, suspend or discontinue any aspect of the website, including the availability of any features of the website, at any time.

 

Jurisdictional Statement

This website is controlled, operated and intended for use only in the United States of America. We do not represent that materials on this website are appropriate or made available for use outside of the United States of America.  This agreement is governed by Texas law without regard to conflict of law provisions.  The federal and state courts located in Harris County, Texas alone have jurisdiction over all disputes arising out of or relating to this Agreement and the website. You consent to the personal jurisdiction of such courts sitting in the aforementioned county and state with respect to such matters or otherwise between you and us, and waive your rights to removal or consent to removal.


Copyright and Other Intellectual Property Rights

Unless otherwise noted, all materials, including images, designs, information and other material on this website or any other website maintained by us, are copyrights, trademarks, trade dress and/or other intellectual properties owned or licensed by us. No material from this website or from any other website maintained by us may be copied, republished, uploaded, posted, transmitted, modified, distributed or publicly displayed, other than for your own non-commercial use, except as expressly permitted by prior written consent of HIIG.

You may not remove, alter, or block any copyright or other proprietary notice on this website or any other website maintained by us.

Houston International Insurance Group and the other HIIG affiliates and services referenced herein are either service marks or registered service marks of Houston International Insurance Group, Ltd. or its affiliates. All trademarks and service marks appearing on this website are the property of their respective owners.  

 

 

Links to Third Party Websites

We may provide, or third parties may provide, links to other websites or resources. Because we have no control over such websites and resources, you agree that we are not responsible for the availability of such external sites or resources, and we do not endorse and are not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You further agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, products or other materials on or available from any such website or resource.

 

Products and Services – Disclaimer

Please note that none of the information contained in this website should be viewed as an offer to sell or as a solicitation to purchase any of our products or services. Rather, the information on our products and services is provided to you so that you can learn what products HIIG companies generally offer. We may make improvements and/or changes in the products, services and/or programs described on this site at any time without notice.  Not all coverages or products may be available in all jurisdictions. Actual coverages will vary based on local law requirements and the terms and conditions of the policy issued.

Insurance coverage statements on this website are for general description purposes only. This website does not amend, modify or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverages, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to final determination of underwriting qualifications and acceptance by the HIIG underwriting company providing such products or services.

Further, this website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any such policy. Whether coverage exists or does not exist for any particular claim or loss under any such policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

 

Improper Uses Prohibited                                                                                        

HIIG prohibits any bulk e-mail transmissions to be sent, or caused to be sent, over the Internet to hiig.com e-mail addresses unless HIIG, through one of its officers, has specifically requested or authorized the sending of such bulk e-mail. For purposes of these terms and conditions, the word "bulk" shall mean an e-mail message, or group of identical or similar e-mail messages, sent to more than 20 different hiig.com addresses in any 24-hour period.

HIIG prohibits any e-mail transmission to be sent, or caused to be sent, over the Internet to any hiig.com e-mail addresses if the e-mail is intended to, or appears intended to, harass, embarrass, threaten, defame or impersonate any person, or if the e-mail is pornographic, offensive, indecent, discriminatory or offensive on the basis of sex, color, national origin, race, age, religion, sexual orientation or disability.

HIIG prohibits any e-mail transmission to be sent, or caused to be sent, over the Internet to any hiig.com e-mail address that makes use of a forged header or deceptive addressing, or which attempts in any manner to disguise the source of the e-mail.  HIIG also prohibits using anything from this website, such as a header or logo, in an effort to deceive, mislead or impersonate any person or company.

HIIG also prohibits using this website to access, or to attempt to access, the accounts of others, or to penetrate, or attempt to penetrate, our security measures or another entity's computer software or hardware, electronic communications system, or telecommunications system, whether or not the intrusion results in the corruption or loss of data; reselling access, any content or any aspect of this website without our authorization; or using this website for any activity which adversely affects the ability of other people or systems to use the website, including "denial of service" attacks against another network host or individual user, interfering with or disrupting other network users, network services or network equipment.

We may take any one or more of the following actions in response to actual or suspected violations above: issue warnings: written or verbal; charge the user for administrative costs and/or reactivation charges; or bring legal action to enjoin violations and/or to collect damages, if any, caused by violations. We may cooperate with legal authorities and/or third parties in the investigation of any suspected or alleged crime or civil wrong.

 

Website Privacy Policy

This Privacy Policy only applies to information collected on this website and in email or other electronic messages between you and this website, but not to information that is collected by HIIG through other means.  HIIG does not share with any non-affiliated person or entity any information provided by a user of this website unless otherwise permitted by law. However, any communications and material you send to this site or to HIIG by Internet electronic mail are on a non-confidential basis.

HIIG does use “cookies” in the operation of this website.  A "cookie" is a small piece of information sent by a web server to store in a web browser so that it can later be read back from that browser for your future visits to a website. This website may use cookies to store some personal preferences and may store the information needed to grant you access. Cookies allow the website to recognize you more quickly so your time spent on this website is more productive. You will find that cookies are an industry standard and are used at most major websites in much the same way we use them in this website.

 

Data Security

This website has what we believe to be reasonable security measures to protect the loss, misuse, and alteration of the information under our control. While we take steps we believe to be reasonable to protect the integrity and security of our network and systems, we cannot guarantee that our security measures will provide absolute security or prevent third-party "hackers" from illegally obtaining this information.

 

 

Warranties and Disclaimers

Information contained on this website has been prepared as a convenience to its users and is not intended to constitute advice upon which a user may rely. Users relying on information from this website do so at their own risk.

THE MATERIALS IN THIS WEBSITE ARE PROVIDED "AS-IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.  TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT OR REPRESENT THAT THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR ANY OTHER WEBSITE MAINTAINED BY US OR THE SERVER(S) THAT MAKES THE WEBSITES AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE USER (AND NOT US) ASSUMES THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION.

 

To the extent permitted by law, HIIG disclaims liability, whether based in contract, tort, negligence, strict liability or otherwise, for damages of any kind (including, but not limited to, direct, indirect, incidental, consequential, special, punitive or exemplary damages) in any way arising from the functionality or operation of this website (including, but not limited to, damages arising from interruptions of service or delay in operation or transmission), even if HIIG is expressly advised of the possibility of such damages.

Miscellaneous

Any provision of these terms and conditions that by their nature extend beyond the expiration of this agreement shall survive expiration or termination of this agreement and shall remain in effect until all such obligations are fully satisfied.

If any provision of these terms and conditions or the application thereof to any party or circumstances shall, to any extent, are found to be unenforceable, the remainder of these terms and conditions shall remain valid and enforceable.