Terms and Conditions

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Terms and Conditions of Use

CONDITIONS OF USE

This page sets forth the Terms and Conditions under which Professional Underwriting Associates LLC (referred to herein as "PUA") provide information on this web site, as well as the Terms and Conditions governing your use of this site. By accessing this web site, you agree to be bound by the conditions of use without limitation or qualification, as well as all applicable laws and regulations. Please read these conditions carefully before using this web site. These terms and conditions may be revised from time to time without notice by updating this posting.

PRODUCTS AND SERVICES

This web site is provided for informational purposes only. The descriptions of our products and services are intended to provide only general information and are not intended to be a complete description of all terms, conditions, and exclusions in the subject contracts, nor are they intended to be relied upon by potential reinsureds or third-parties. Anyone interested in additional information regarding a particular product should contact us, via the link that has been provided, for the name of a representative who can supply you with details regarding terms, conditions, coverages, limitations, products, services and programs.

DISCLAIMER

YOU AGREE THAT ANY USE OF THIS WEB SITE AND ITS CONTENT IS AT YOUR SOLE RISK. THE MATERIALS ON THIS WEB SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TRH DISCLAIMS, TO THE FULLEST EXTENT PERMITTED BY LAW, ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. TRH DOES NOT WARRANT THAT THIS WEB SITE OR ANY LINKED SITE WILL BE UNINTERRUPTED, ERROR-FREE, FREE FROM VIRUSES, WORMS, TROJAN HORSES, MALICIOUS CODES AND OTHER ITEMS OF A DESTRUCTIVE NATURE OR IMCOMPATIBLE WITH YOUR COMPUTER, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEB SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. TRH DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEB SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT TRH) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION. THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT NECESSARILY INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES.

THIS WEB SITE MAY BE LINKED TO OTHER WEB SITES WHICH ARE NOT MAINTAINED BY PUA. PUA IS NOT RESPONSIBLE FOR THE CONTENT OF THOSE WEB SITES. THE INCLUSION OF ANY LINK TO SUCH WEB SITES DOES NOT IMPLY APPROVAL OF OR ENDORSEMENT BY PUA OF THE WEB SITES OR THE CONTENT THEREOF. THE INFORMATION PRESENTED ON THIS WEB SITE SHOULD NOT BE CONSTRUED AS LEGAL, TAX, BUSINESS, FINANCIAL OR ACCOUNTING ADVICE.

LIMITATION OF LIABILITY

While PUA uses reasonable efforts to include accurate and up-to-date information on this web site, errors or omissions sometimes occur. PUA makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall PUA or any party involved in creating, producing, or delivering the web site be liable to you for any direct, incidental, special, consequential, indirect, or punitive damages to you or your computer equipment that result from your access to, use of, or browsing in the web site or your downloading of any materials, data, text, images, video, or audio from this web site, even if PUA or a PUA authorized representative has been advised of the possibility of such damages. The limitations contained in this web site shall apply regardless of the form of action, whether in contract, tort or strict liability, and regardless of the nature or number of claims or actions. In no event shall PUA's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website.

RESTRICTIONS ON USE OF THIS WEB SITE

This web site is owned and operated by PUA. Except as otherwise expressly permitted by PUA, no materials from this web site or any other web site owned, operated, licensed or controlled by PUA may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this web site for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this web site for public or commercial purposes, including the text, images, audio, and video without PUA's written permission. You may not post on or transmit through this web site any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, sexually explicit, profane, hateful, racially, ethnically, or otherwise objectionable material of any kind, including any material that encourages conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate applicable laws. PUA neither warrants nor represents that your use of materials displayed on this web site will not infringe rights of third parties.

The permission to use this web site automatically terminates if you fail to comply with any part of the Terms and Conditions. Further, PUA reserves the right to prevent you from accessing this web site for any or no reason, including, without limitation, your failure to comply with any part of the Terms and Conditions. PUA reserves the right to alter this web site and its contents in any way, at any time, for any or no reason, without prior notification.

JURISDICTIONAL ISSUES

These terms and conditions shall be construed, enforced and performed in accordance with the law of the State of Connecticut without reference to principles of conflict of laws. Those who choose to access this web site proceed on their own initiative and are responsible for compliance with applicable laws.

OWNERSHIP OF INFORMATION

Any information, other than personal data or information, you transmit to PUA via this web site, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of PUA. Such information, other than personal data, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. PUA is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to PUA via this web site or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

TRADEMARKS AND COPYRIGHTS

PUA and/or its subsidiaries own and retain all copyrights and other rights in the material available through this web site. Nothing contained on the web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this web site without the written permission of PUA. Your use of the trademarks displayed on this web site, or any other content on this web site, except as provided herein, is strictly prohibited. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes without PUA’s written permission.

Images displayed on this web site are either the property of, or used with permission by, PUA. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by PUA. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Inquiries concerning the use of PUA’s trademarks, service marks, copyrights or other intellectual property can be sent via email to: kpeterson@pua-ins.com

HYPERTEXT LINKS AND THIRD-PARTY SITES

Solely for your convenience, this web site may provide hypertext links to other sites owned and operated by other parties. PUA does not control such third-party sites, nor can it guarantee the quality, accuracy, or timeliness of those sites. Accordingly, PUA assumes no responsibility for the content of any site referenced by a hyperlink or otherwise, or any liability for any damages, injury or intellectual property or other violations arising from your access of, or use of content on, such other sites. Moreover, the inclusion of any link or other reference to a site does not mean that PUA endorses or approves any third-party site or any of the views expressed or the products and services sold on such sites. PUA has no knowledge of information contained in such other sites or the policies applicable to your access to, and use of, such other sites. Questions about the content and policies of those sites should be directed to their authors. PUA believes that these linked sites are publicly accessible over the Internet and that access to them is legally permissible. If access to a particular site is restricted, PUA will remove the linked site upon an appropriate written request. PUA reserves the right to terminate any link at any time.

ENFORCEABILITY OF THESE PROVISIONS

If any provision of these Terms and Conditions is held invalid or unenforceable by a court of competent jurisdiction, that provision will be enforced to the maximum extent possible and the other provisions will remain enforceable and in full effect. No failure or delay in enforcing any right shall be a waiver of that or any other right.


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