These Terms and
Conditions of Use constitute the contractual agreement between you
and Herbig Insurance Group regarding your use of our site and any
activities or transactions you may conduct through our site. Your
use of our site constitutes your agreement to follow and be bound
by these Terms and Conditions of Use and by our Privacy Policy
(collectively, our “Terms and Conditions”).
As used in these Terms and Conditions, the words “you” and “your”
and "Client" refer to any person accessing the Herbig Insurance
Group Web site. The words “we,” “us,” and “our” refer to Herbig
Insurance Group.
We reserve the right to modify, alter, or otherwise update these
Terms and Conditions at any time. We will post any such change at
this site, so you are encouraged to review these Terms and
Conditions from time to time. Any changes will apply prospectively
only. Your continued use of our site following the posting of
changes to these Terms and Conditions will constitute your
acceptance of any and all posted changes. We may of course change,
move or delete portions of our site, or add to our site from time
to time.
User Comments
All comments, feedback, postcards, suggestions, ideas, and
other submissions disclosed, submitted, or offered to Herbig
Insurance Group through our site or otherwise disclosed,
submitted, or offered in connection with your use of our site
(collectively, “Comments”) shall be and remain the property of
Herbig Insurance Group. You agree that Herbig Insurance Group may
use or disclose Comments in any manner consistent with our Privacy
Policy. Herbig Insurance Group shall be free to use, without
restriction and without compensation to you, any ideas, concepts,
know-how, suggestions, or techniques contained in any Comments you
send to us for any purpose whatsoever. Herbig Insurance Group has
no obligation to respond to any Comments, and we reserve the
right, but undertake no duty, to review, edit, move, or delete any
material posted by users on our site, in our sole discretion and
without notice.
Ownership Of Site
Contents; Downloading
Unless otherwise noted, all text, images, illustrations,
designs, icons, photographs, video clips, and other materials that
are part of our site (collectively, the “Contents”) are
copyrighted works, trademarks, trade dress, or other intellectual
properties owned, controlled, or licensed by Cindy Ray Interiors
or used under principles of “fair use.” The Contents of our site
and the site as a whole are intended solely for your personal use.
You may not copy the Contents and other materials displayed on our
site any purpose whatsoever without our advance written consent.
Web Site Security
Rules.
Users are prohibited from violating or attempting to violate
the security of the site, including, without limitation (a)
accessing data not intended for such user or logging into a server
or account which the user is not authorized to access (b)
attempting to probe, scan or test the vulnerability of a system or
network or to breach security or authentication measures without
proper authorization (c) attempting to interfere with service to
any user, host or network, including, without limitation, via
means of submitting a virus to the site, overloading, flooding,
spamming, mailbooming or crashing (d) sending unsolicited e-mail,
including promotions and/or advertising of products or services or
(e) forging TCP/IP packet header or any part of the header
information in any e-mail or newsgroup posting. Violations of any
system or network security may result in civil or criminal
liability. HIG will investigate occurrences which may involve such
violations and may involve and cooperate with, law enforcement
authorities in prosecuting users who are involved in such
violations.
RESTRICTIONS ON USE
OF MATERIALS
This site is owned and operated by Herbig Insurance Group
unless otherwise indicated the contents, and the collection,
arrangement and assembly of the contents of this site are the
property of Herbig Insurance Group (HIG) and are protected,
without limitation, U.S. and foreign copyright, trademark and
other laws. No material from this site may be copied, reproduced,
republished, uploaded, posted, transmitted, or distributed in any
way, except that you may download one copy of the materials on any
single computer for your personal non-commercial use only,
provided you keep intact all copyright and other proprietary
notices. Modification of the materials or use of the materials for
any other purpose is a violation of HIG's copyright, trademark,
and trade secret rights and others' proprietary rights. The use of
any such material on any other Web Site or networked computer
environment for any purpose is prohibited.
Acceptable Site Use
General Rules.
Users may not use the site in order to transmit, distribute,
store or destroy material (a) in violation of any applicable law
or regulation (b) in a manner that will infringe the copyright,
trademark, trade secret or other intellectual property rights of
others or violate the privacy, publicity or other personal rights
of others or (c) that is defamatory, obscene, threatening, abusive
or hateful. Users may use the site only for lawful purposes.
TERMINATION
This Agreement will terminate immediately without notice from
HIG, if in HIG's sole discretion you fail to comply with any term
or provision of this Agreement, if you are a repeat infringer of
any third party's rights, or if you engage in conduct that is
illegal, tortious or that interferes with the technological
operation of this site. Upon termination, you must destroy all
materials obtained from this site and all copies thereof, whether
made under the terms of this Agreement or otherwise.
LINKS
This site may contain links to third party sites. These links
are provided solely as a convenience to you and not as an
endorsement by HIG. HIG is not responsible for the content of
linked third-party sites and does not make any representations
regarding the content or accuracy of materials on such third party
sites. If you decide to access linked third party sites, you do so
at your own risk.
THIRD PARTY
POSTINGS
HIG may, in its sole discretion, post material, advertisements and
other promotional materials of third parties on the site. Your
correspondence or dealings with these parties found on the site
are solely between you and such party. You agree that HIG shall
not be responsible for any loss or damage of any sort incurred as
a result of any such dealings or as a result of their presence.
Moreover, HIG shall not be responsible or liable for the
statements or conduct of any third party on the site. With regard
to services or products purchased or obtained by a user from
someone other than HIG, we make no representation or warranty of
merchantability or fitness for a particular purpose with regard to
such services or products, and we hereby specifically disclaim any
and all express and implied representations and warranties of any
nature whatsoever as to such services and products.
Policies For
Children (Individuals Under 13 Years Of Age)
Our site is not a Web site directed to children under the age
of 13. However, we hereby advise all visitors to our Web site
under the age of 13 not to disclose or provide any Personally
Identifiable Information on our site. In the event we discover
that a child under the age of 13 has provided Personally
Identifiable Information to us, in accordance with the Children’s
Online Privacy Protection Act of 1998, we will delete the child’s
Personally Identifiable Information from our files. For more
information regarding a child under the age of 13 providing
Personally Identifiable Information, see the Federal Trade
Commission’s Web site explaining the Children’s Online Privacy
Protection Act of 1998 at
http://www.ftc.gov/bcp/conline/edcams/kidzprivacy/.
