Terms of Use

When using this Web Site, you agree to the following terms and conditions (the "Terms of Use").

You can always check out the most current version of these Terms of Use at this page. All such rules and guidelines are hereby incorporated by reference into the Terms of Use. If you do not agree to these Terms of Use please do not use the site and do not register to be a user of this web site. We reserve the right, at our discretion, to change, modify, add, or remove portions of these Terms of Use at any time. Please check these terms periodically for changes. Your continued use of this web site following the posting of changes to these terms will mean you accept those changes.

This web site allows registered users to use or access a wealth of information and services that are beneficial to Surplus Lines insurance professionals. These Terms of Use apply to this web site as well as any new services that we may add in the future (unless stated otherwise).

If you elect to register to use this web site and/or participate in any services offered by this web site you agree to: (a) provide true, accurate, current and complete information about yourself as prompted by this web site's registration form (such information being the "Registration Data") and (b) maintain and promptly update the Registration Data to keep it accurate. If you provide any information that is untrue, inaccurate, or incomplete, or this web site has reasonable grounds to suspect that such is the case, this web site has the right to suspend or terminate your account and refuse any and all current or future use of this web site (or any portion thereof).

Termination and modification

You agree that this web site, in its sole discretion, may terminate your password, account (or any part thereof) or use of this web site, and remove and discard any Content within this web site, for any reason, including, without limitation, for lack of use or if this web site believes that you have violated or acted inconsistently with the letter or spirit of the Terms of Use. This web site may also in its sole discretion and at any time discontinue providing this web site, or any part thereof, with or without notice. You agree that any termination of your access to this web site under any provision of this Terms of Use may be effected without prior notice, and acknowledge and agree that this web site may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or this web site. Further, you agree that this web site shall not be liable to you or any third-party for any termination of your access to this web site which includes any subscription or software charges collected.

Refund & Dispute Policy

Due to the nature of the online delivery of information and subscription services provided there are no refunds or credits for suspended, cancelled or terminated accounts.

Surplus Lines Associates, LLC does not allow chargebacks to occur to its merchant accounts and contracts with VISA / MC International, American Express Bank Ltd. and Discover Card services. It is not recommended to initiate a chargeback hence customer agreed to the Terms of Use (this document) and General Terms of Use and Restrictions on Use of Materials as outlined in this document and Surplus Lines Associates will use this document and customer's agreement at the time of order to wholeheartedly fight a chargeback and / or dispute. If customer supplied a valid reason for refund, Surplus Lines Associates, LLC, if in agreement, will gladly apply a refund ONLY if requirements as specified above are met. Any dispute / chargeback attempts will immediately result in suspension of subscription account..

Terms of Use / Privacy policy

Pursuant to this web site's privacy policy, we will not disclose to third parties any information contained in your Registration Data or related data without your consent, other than the minimum data required for payment processing or billing purposes.

All tax rates and information contained on this website are subject to change at any time. Surplus Lines Associates tax data is updated at least annually and are subject to each State's timely and accurate disclosure of their tax tables. Surplus Lines Associates is not responsible for any tax liabilities or errors in tax filings resulting from the use of this web site or the information contained herein. It is recommended that all users check each specific State's Tax filing instructions through the link provided on each State's information detail screen to confirm that all figures and procedures are accurate and current.

This web site may provide, or third parties may provide, links to other World Wide Web sites or resources. Because this web site has no control over such sites and resources, you acknowledge and agree that this web site is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any Content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that this web site 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, goods or services available on or through any such site or resource.

General Terms of Use and Restrictions on Use of Materials

By using this web site, you agree to be legally bound and to abide by the Terms of Use, just as if you had signed this Agreement. If you do not comply with these Terms of Use at any time, The web site employees reserves the right to terminate your access this web site. This web site may discontinue or alter any aspect of the site , including, but not limited to, (i) restricting the time this web site is available, (ii) restricting the amount of use permitted, and (iii) restricting or terminating any user's right to use this web site, at the owner's sole discretion and without prior notice or liability. You are responsible for obtaining or providing all access lines, telephone and computer equipment (including modem), or other device, necessary to access this web site. You further certify that you are an individual.
In order to permit this web site to protect the quality of its and services and members, you hereby consent to this web site's employees being able to access your account and records on a case by case basis to investigate complaints or other allegations or abuse.
You acknowledge that this web site contains information, software, photos, video, text, graphics, music, sounds or other material (collectively, "Content") that are protected by copyrights, patents, trademarks, trade secrets or other proprietary rights, and that these rights are valid and protected in all forms, media and technologies existing now or here after developed. All Content is copyrighted as a collective work under the U.S. copyright laws, and this web site owns a copyright in the selection, coordination, arrangement and enhancement of such Content. Modification of the materials or use of the materials for any other purpose, including use of any such material on any other web site or networked computer environment is strictly prohibited. In the event you download software provided by this web site, the software, including any files, images incorporated in or generated by the software, and data accompanying the software (collectively, the "Software") are licensed to you by this web site. This web site does not transfer title to the Software to you. You may not redistribute, sell, decompile, reverse engineer, disassemble, or otherwise reduce the Software to a human-readable form.

DISCLAIMER
This web site uses diligent efforts to maintain this web site, but this web site is not responsible for any defects or failures associated with this web site or any damages (such as lost profits or other consequential damages) that may result from any such defects or failures. In addition, this web site makes no guarantees as to the sites and information located worldwide throughout the Internet to which you may access as a result of the use of this web site, including as to: (i) the accuracy, currency, content, or quality of any such sites and information, or (ii) whether any search using this web site may locate unintended and objectionable content.

PLEASE NOTE THE FOLLOWING IMPORTANT DISCLAIMERS OF WARRANTIES:
THIS WEB SITE IS PROVIDED 'AS IS' AND YOU USE IT AT YOUR SOLE RISK THIS WEB SITE EXPRESSLY DISCLAIMS 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.
WITHOUT LIMITATION, THIS WEB SITE MAKES NO WARRANTY THAT THIS WEB SITE WILL MEET YOUR REQUIREMENTS, THAT IT WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT THE RESULTS OBTAINED FROM THE USE OF THIS WEB SITE WILL BE ACCURATE OR RELIABLE, OR THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED THROUGH THIS WEB SITE WILL MEET YOUR EXPECTATIONS.
ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THIS WEB SITE IS DONE AT YOUR SOLE RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.
FURTHER, PLEASE NOTE THAT NO ADVICE OR INFORMATION, OBTAINED BY YOU FROM THIS WEB SITE PERSONNEL OR THROUGH THIS WEB SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY PROVICED FOR IN THESE TERMS OF USE.

Limitation of Liability
YOU EXPRESSLY UNDERSTAND AND AGREE THAT THIS WEB SITE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF THIS WEB SITE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THIS WEB SITE AND/OR COMPUTER SOFTWARE PRODUCTS; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THIS WEB SITE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THIS WEB SITE; OR (v) ANY OTHER MATTER RELATING TO THIS WEB SITE OR OPERATION OF THIS WEB SITE SWEEPSTAKES. IN NO EVENT SHALL THIS WEB SITE'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS SITE.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
Indemnification
YOU ARE ENTIRELY RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF YOUR PASSWORD AND ACCOUNT. FURTHERMORE, YOU ARE ENTIRELY RESPONSIBLE FOR ANY AND ALL ACTIVITIES WHICH OCCUR UNDER YOUR ACCOUNT. YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS SURPLUS LINES ASSOCIATES, LLC, AFFILIATES AND SUBSIDIARY COMPANIES, OFFICERS, DIRECTORS, EMPLOYEES, CONSULTANTS AND AGENTS FROM ANY AND ALL THIRD PARTY CLAIMS, LIABILITY, DAMAGES AND/OR COSTS (INCLUDING, BUT NOT LIMITED TO, ATTORNEYS FEES) ARISING FROM YOUR USE OF OUR SERVICES, YOUR VIOLATION OF THE TERMS OF USE OR YOUR INFRINGEMENT, OR INFRINGEMENT BY ANY OTHER USER OF YOUR ACCOUNT, OF ANY INTELLECTUAL PROPERTY OR OTHER RIGHT OF ANY PERSON OR ENTITY. YOU AGREE TO IMMEDIATELY NOTIFY THE SURPLUS LINES ASSOCIATES LLC WEB SITE OF ANY UNAUTHORIZED USE OF YOUR ACCOUNT OR ANY OTHER BREACH OF SECURITY KNOWN TO YOU.

Governing Law and Other Miscellaneous Terms
These terms shall be governed by and construed in accordance with the laws of the State of Georgia, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these terms shall be filed only in the state or federal courts located in Fulton County in the State of Georgia and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any provision of these terms shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between you and this web site relating to the subject matter herein and shall not be modified by you except in writing, signed by both parties. The Terms of Use will inure to the benefit of this web site's successors, assigns and licensees.
COPYRIGHT AND COPYRIGHT NOTICES
This web site respects the intellectual property of others, and we ask our users to do the same. This web site may, in appropriate circumstances and at its discretion, terminate the accounts of users who infringe the intellectual property rights of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide this web site's Copyright Agent the following information:

  •   -an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
  •   -a description of the copyrighted work that you claim has been infringed;
  •   -a description of where the material that you claim is infringing is located on the site; your address, telephone number, and email address;
  •   -a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
  -a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

 
Please send questions to: info@SurplusLinesAssociates.com