Miniter Terms and Conditions

For purposes of this Terms and Conditions statement only "We (or Us and Our)" is defined as James L. Miniter Insurance Agency, Inc.

These terms and conditions are applicable to use of this website, regardless of how you accessed it.

Please read these Terms and Conditions carefully. By making use of this website to generate or access a claim, add or remove coverage, request service on a policy, or access your accounts, you agree to be bound by the Terms and Conditions set out below and any additional terms and conditions set forth on individual pages of the website.

Your use of this website constitutes your binding acceptance of these Terms and Conditions, including any changes or modifications made hereafter. The updated, on-line version of these Terms and Conditions shall supersede any prior version. By accepting and agreeing to these Terms and Conditions, you represent that you have full power and authority to enter into and perform this agreement and that such ability is not limited or restricted in any way

Confidential and Customer Information
You recognize that it is essential to the success of James L. Miniter Insurance Agency, Inc. that all customer, carrier and vendor information be deemed to be confidential and be properly treated as confidential trade secrets of James L. Miniter Insurance Agency, Inc. Therefore, you agree not to use or disclose any such customer, carrier or vendor information except as may be necessary to conduct business with James L. Miniter Insurance Agency, Inc., and after the end of our business relationship for any reason whatsoever, whether voluntary or involuntary, you will not use or disclose such information for any purpose whatsoever.

You agree not to use for your own benefit or the benefit of any other party, or divulge or disclose to any person, any information not already lawfully available to the public (other than as a result of disclosure by you) concerning James L. Miniter Insurance Agency, Inc. or its business and products or information concerning or obtained for or from any of its customers, carriers or vendors, including but not limited to any information related to trade secrets, know-how, products, product development, methods, business, pricing, marketing or sales strategy, financial information, or customer, carrier, or vendor lists or other information.

You agree that you will not interfere with the business relationship between James L. Miniter Insurance Agency, Inc. and any carrier, vendor or customer doing business with us; or recruit, solicit or induce any carriers, vendors or customers doing business with us to terminate, alter or modify the relationship they have with us. You acknowledge that all persons for whom you provide products, sales or services are, and shall be, construed as customers of James L. Miniter Insurance Agency, Inc., notwithstanding the fact that some or all of the persons or customers may have been induced to give their patronage to us through your efforts or the efforts of others, and notwithstanding the fact that some or all of such customers may have previously been customers of some other company engaged in a business similar to or in competition with James L. Miniter Insurance Agency, Inc.

Product and Service Information
Insurance products and services promoted through this website are underwritten by various insurance carriers and issued by James L. Miniter Insurance Agency, Inc. which is based in Norwell, Massachusetts. The descriptions of the various products and services contained in this website are provided solely for general informational purposes. The information and descriptions contained herein are not intended to be complete descriptions of all terms, conditions and exclusions applicable to the products and services.

Quote Information and Restrictions
In certain situations, we may need to disclose personal and privileged information we collect about you to third parties without your consent, as allowed by law. For example, in order to conduct our business we may exchange some information about you with agents and their staff, and with other insurance companies with whom you have or have had policies. You have the right to access and correct personal information we collect. To contact us or read more details about privacy, please read our Privacy Policy.

License Information
We provide this information to promote insurance products within specific jurisdictions in the United States of America only. This information is only applicable to and intended for use in those areas in which we transact insurance business.

User Responsibilities
This website is intended to be used by existing policy holders and authorized vendors of James L. Miniter Insurance Agency, Inc. You are solely responsible for any information you provide us or other users through your use of this website, and you agree that information you provide will be accurate and will not a) infringe any third party's copyright, trademark or other proprietary rights of publicity or privacy; nor b) be defamatory, libelous, otherwise threatening or harassing, or otherwise violate any applicable law or regulation. You may not use the website to conduct any illegal business or activity.

Information you provide to the website may be lost or destroyed, or may be edited or removed from the website by us. We are not responsible for the loss of such information. You should retain copies of all important information you provide to the website. We operate a commercial website, and insurance transactions with James L. Miniter Insurance Agency, Inc. are not intended for children. We do not knowingly collect or solicit any information from or about any children for marketing purposes through this website.

Intellectual Property Rights
James L. Miniter Insurance Agency, Inc. names, logos, and marks are the property of James L. Miniter Insurance Agency, Inc. You are not authorized to use any name or mark in any advertising, publicity, or in any other commercial manner without our written consent. All rights in and to the website belong to James L. Miniter Insurance Agency, Inc. You may not modify, publish, create derivative works from, distribute or otherwise exploit any of the website's protected content without Our prior written consent.

Limitation of Liability, Waivers and Disclaimers
YOU EXPRESSLY AGREE THAT USE OF THIS WEBSITE IS AT YOUR SOLE RISK. NEITHER JAMES L. MINITER INSURANCE AGENCY, INC., NOR ANY OF ITS PARENTS, AFFILIATES, SUBSIDIARIES, ASSIGNEES, LICENSEES, OFFICERS, AGENTS, EMPLOYEES (KNOWN ALL TOGETHER HERE AS "JAMES L. MINITER INSURANCE AGENCY, INC.") WARRANT THAT THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE.

THE WEBSITE IS OFFERED "AS IS" AND "AS AVAILABLE" WITH NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF SECURITY, TITLE, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. ALL WARRANTIES ARE DISCLAIMED.

JAMES L. MINITER INSURANCE AGENCY, INC. SHALL HAVE NO LIABILITY FOR ANY INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL OR PUNITIVE DAMAGES SUFFERED BY YOU OR ANY OTHER PARTY AS A RESULT OF THE OPERATION, INABILITY TO OPERATE OR MALFUNCTION OF THE WEBSITE, REGARDLESS OF WHETHER OR NOT ANY SUCH PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

You waive any claim against Us based upon the quality or availability of the website, regardless of cause.

You acknowledge that any network communication or activity involves resources beyond Our control, including, without limitation, e-mail, file transfers, and information gathering, and is subject to risks inherent to the Internet and to communications generally. We make no representation that any data sent to or from, or residing at, Our website or systems are safe from destruction, corruption, misdirection, or service interruption.

You agree that We shall not be liable for failure to provide services or access to this website during any period in which it cannot perform due to any cause beyond Our control, including without limitation natural disaster, power failure, accident, labor controversy, act of God, or the intervention of any government authority.

Third Party Content
Our website contains links to other Internet sites, including other insurance affiliates,that are not maintained by James L. Miniter Insurance Agency, Inc., ("Third Party Sites"). These links are provided solely for convenience. James L. Miniter Insurance Agency, Inc. makes no warranties or representations about the contents of or any products or services offered by such Third Party Sites. We encourage you to read the terms and conditions of Third Party Sites prior to using them.

General
We recognize that insurance and financial transactions involve complex financial and legal issues. Nothing on this website is intended as a substitute for professional advice regarding legal, tax, or financial planning matters. You should consult a professional of your choice for individual advice tailored to your situation. In addition, any safety information included in this website is not intended as health or engineering advice, and should not be relied upon as a substitute for professional advice on these topics.

We reserve the right to access and disclose any information necessary to comply with applicable laws and lawful government requests, to operate Our systems properly, or to protect Us from harm or liability.

Governing Law and Severability
This Agreement shall be governed by the laws of the Commonwealth of Massachusetts without regard to its conflict of law provisions. If any provision of this Agreement should be invalid under applicable laws, such provision shall be ineffective to the extent of such conflict without affecting the remaining provisions of this Agreement.