TERMS OF USE

Please read the following legal notices carefully. Your use of this website constitutes your agreement with the terms and conditions set forth below. These terms and conditions may be changed or updated at any time. You are responsible for reviewing them periodically for current information. Additional legal notices regarding specific products, services, as well as conditions, restrictions or disclosures may be described on “sub-sites” within UWIB Risk, Inc. and its affiliates’ main website.

TRADEMARKS/COPYRIGHTS

The UWIB Risk, Inc. and its affiliates logo is a registered trademark of UWIB Risk, Inc. and its affiliates. All other trademarks, service marks, trade names, logos, and icons, registered or not, are the property of UWIB Risk, Inc. and its affiliates or third parties which may be indicated. Other materials, including video, sound recordings, and images on this website are a copyright of or proprietary to UWIB Risk, Inc. and its affiliates or are used with the consent of the owner. The contents of this site are protected by copyright, trademark, or other intellectual property laws of the U.S., or in some instances, foreign laws. Unauthorized use may violate copyright, trademark, and other laws.

You may copy or print materials of UWIB Risk, Inc. and its affiliates from this site limited solely for your noncommercial, personal use unless otherwise indicated. You must retain any and all proprietary or copyright notices. You may not copy, transmit, distribute, modify, publicly perform, reuse, sell, or display any of the contents of this website for any public or commercial purpose except with the prior written consent of UWIB Risk, Inc. and its affiliates or the owners of the materials. You may not use the contents in any other website or in a network computer environment.

LINKS

Links from this site to a non-UWIB Risk, Inc. and its affiliates site may be provided for users’ convenience only. UWIB Risk, Inc. and its affiliates does not control or review these sites nor does the provision of any link imply an endorsement or association of such non-UWIB Risk, Inc. and its affiliates sites. UWIB Risk, Inc. and its affiliates is not responsible for and makes no representation or warranty regarding the contents, completeness, accuracy, or security of any materials on such sites. If you decide to access such non-UWIB Risk, Inc. and its affiliates sites, you do so at your own risk.

DISCLAIMER

The materials and services on this website are provided “as is” and for information purposes only. UWIB Risk, Inc. and its affiliates makes no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies, or typographical mistakes. UWIB Risk, Inc. and its affiliates disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability or fitness for a particular purpose or non-infringement of others’ rights. UWIB Risk, Inc. and its affiliates does not warrant that the website will operate error free or is free from viruses, worms, Trojan horses, or other destructive or harmful code. UWIB Risk, Inc. and its affiliates makes no representation or warranty that all products and services are available in all locations. The information contained on this site presents only a general description of insurance coverage you might purchase. The precise coverage provided to you by any insurer is subject to the terms and conditions of the insurance policy as issued. The insurance policy purchased, and not the general information on this site, forms the contract between you (the insured) and the insurance company. If you have any questions, please contact UWIB Risk, Inc. and its affiliates to obtain advice from one of our licensed professionals before making any coverage decision.

AI-GENERATED CONTENT

From time to time, UWIB Risk, Inc. may utilize artificial intelligence (AI) tools to generate or assist in creating certain content on this website, including but not limited to educational resources, marketing content, or interactive responses. All AI-generated content is reviewed by UWIB Risk, Inc. for accuracy and relevance; however, such content is provided for informational purposes only and should not be construed as professional advice. AI-generated content is not a substitute for consultation with a qualified insurance professional or legal advisor. UWIB Risk, Inc. disclaims all liability for decisions made based on AI-generated materials, and you are encouraged to verify information independently and consult directly with our licensed agents before taking any action.

LIMITATION OF LIABILITY

In no event shall UWIB Risk, Inc. and its affiliates be liable to you for damages of any kind whatsoever including, but not limited to, direct, indirect, consequential, special, incidental, including without limitation, lost profits or damages resulting from lost data or business interruption, or punitive damages of any kind whatsoever that may result from your use of or inability to use this website or the materials or services provided on this website or the products or services received from this website. Exemptions of implied warranties may not be allowed in all jurisdictions.

GOVERNING LAWS / SEVERABILITY OF PROVISIONS

This website and the agreement shall be governed by the laws of the State of California without giving effect to any principles of conflict of laws. If any provision or provisions of this agreement shall be held to be invalid, illegal, or unenforceable, the validity, legality, or enforceability of the remaining provisions shall not in any way be affected or impaired thereby. You agree that any dispute between you and UWIB Risk, Inc. and its affiliates arising from your use of this website shall be brought exclusively in the state or federal courts of competent jurisdiction in California.