Terms & Conditions

Conditions of Use

By using this website, you agree to the following terms and conditions. Please read them carefully. These terms and conditions may be revised at any time by our updating this notice and posting it on this website.

Copyright and Trademarks

This website and, unless otherwise stated, the materials on this website, are owned by us. Unauthorized use of this site, and/or the materials contained herein may violate applicable copyright, trademark or other laws. You may download materials from this website for personal, non-commercial use only, provided that all copyright and other proprietary notices contained on the materials are retained.


The information and descriptions contained in these websites are provided solely for informational purposes, and are not intended to be complete descriptions of all terms, exclusions and conditions applicable to every insurance product or service offered by us. The materials on this website are provided "as is" for information purposes only and without warranties of any kind either expressed or implied. We do not make any representations regarding the accuracy, completeness or reliability of any of the content on this website, that the functions contained in the materials will be error free, or that this website is free of viruses or other harmful components. Applicable law may allow the exclusion of implied warranties. Not all products described in this website are available in all jurisdictions.

Limitation of Liability

In no event shall we be liable to you for any injury, loss, claim, damage, or any special, exemplary, punitive, indirect, incidental or consequential damages of any kind that arise from the use of, or the inability to use, this website or the materials on this website, whether based on warranty, contract, tort or any other legal theory, and even if we have been advised of the possibility of such damages.

Third Party Links

This website may be linked to other websites which are maintained by third parties and over which we have no control or influence. We are not responsible for the content of those websites and the inclusion of those links does not imply approval or endorsement by us of those websites or their content. If you decide to access other websites, you do so at your own risk.


A link to our Privacy Policy can be found by following the "Privacy Policy" link at the bottom of this page and at the bottom of other pages on this website.

Governing Law

The terms and conditions of your use of this website shall be governed by and interpreted according to the laws of the State of California, without giving effect to any principles of choice of law.


If any provision of these Terms of Use shall be determined to be unenforceable or invalid, the remaining provisions shall remain in full force and effect.
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