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Disclaimer
Your use of the Laurus Innovations Web Site (the "Site") is subject to the terms and conditions set out below. Your further access or use of this Site, and, in particular, your submission of an inquiry about insurance coverage, constitutes your agreement to the following terms and conditions:
The materials and information on this Site are intended for illustrative and evaluation purposes only. Any coverage's or rates quoted are intended as suggestions based on the data you submit, and they may not represent the most appropriate or most economical coverage or rate available to you. These materials and information are not intended to replace the services of a qualified agent or broker who is familiar with your individual circumstances. It is your responsibility to evaluate the accuracy, completeness and usefulness of any information, material or service provided at this Site. All information, material and services available at the Site are provided with the understanding that the authors, publishers and distributors are not rendering any type of professional advice or opinion.
While Laurus Innovations tries to provide information and materials that are as accurate and current as possible, and all of it is believed to be accurate and reliable when placed on the Site, the material on this site is provided as is. We disclaim any implied warranty or representation about their accuracy, completeness, or appropriateness for your situation or for a particular purpose. We make no warranties of any kind, including warranties of merchantability, fitness for a particular purpose, or non-infringement of intellectual property. Rates, coverages and other information are subject to change at any time without notice to users and the posted rates and fees at the Site may not immediately reflect such changes. You assume full responsibility for using the information and material obtained from the Site, including any coverage suggestions or rate quotations, and you understand and agree that Laurus Innovations is neither responsible nor liable for any claim, loss, or damage resulting from such use, inability to use, or the results of use of this site, or the material or information contained herein. If you notice something wrong or inaccurate, please let us know so we can correct it.
We are not liable for any consequential or incidental damages, which are damages intended to directly compensate an individual for a loss or injury, or other miscellaneous damages resulting from a loss or injury. Moreover, we are not liable even if we have been negligent. However, in certain states, where the law may not permit us to limit or exclude liability for incidental or consequential damages, the above limitation may not apply. In any event, our liability to you for all losses, damages, injuries, or claims of any kind, whether the damages are claimed under the terms of a contract, claimed to be caused by negligence or other wrongful conduct, or under any other legal theory, will not be greater than the amount you have paid to access our site.
In the event of any discrepancy between the information obtained at this Site and any insurance company-authorized illustration and/or policy, the policy shall govern. All products are subject to underwriting requirements, and not all products may be available in all states. The information on this Site does not constitute an advertisement of insurance, offer of insurance, or solicitation by anyone in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make a solicitation. By completing an online rate quote request or application, you are confirming that you are neither such a person nor a resident of such a jurisdiction.
In some locations, this Site may provide references or links to outside web sites. Links to third-party websites on this site are provided solely as a convenience to you. Laurus Innovations does not endorse, does not make any representations or warranties, and is not responsible for the content of any of these links or references to other sites (all of which are maintained by others). If you click on one of these links you will leave the Laurus Innovations web site and will access these sites at your own risk (but should be able to return with your browser's "back" button).
This Site and its content Copyright 2001 by Laurus Innovations Laurus Innovations and its licensors retain all proprietary rights to the Laurus Innovations Site material and information. Except for printing a hard copy of the information or downloading material for your personal use only, Laurus Innovations material and information may not be reproduced, transmitted, distributed or displayed without the prior written consent of Laurus Innovations.