By gaining access to and using Our Services, You acknowledge and agree that Your acceptance of these Terms is supported by sufficient and valuable consideration. You expressly represent that You have read this Agreement and have the capacity to agree to be bound to these terms, and, where acting on behalf of a business entity or other organization, agree that You have the authority to so bind that entity or organization.
As a condition to using certain features of Our Services, You may be required to register and create a username and password on Our Website. You may not select a username intended to impersonate another person or identity, that is subject to rights of another person or identity, or that is obscene or vulgar. We reserve the right to refuse or cancel registration of any username in Our sole discretion. You are responsible for maintaining the confidentiality of Your username and password. You further agree to notify Us immediately, at firstname.lastname@example.org if You become aware of any unauthorized use involving Your username and password.
Our Services as well as their underlying processes, related content, and generated data may only be used for Your personal, informational, and non-commercial use. You may not copy, reproduce, sell, distribute, replicate, duplicate, relay, transmit, broadcast, or license Our Services or their underlying processes, related content, or generate data without Our express written consent in each instance. Your use of Our Services is not transferable by You to any other person or entity without express consent by Us. Your access and use of Our Services may be interrupted by, without limitation, maintenance of Our equipment or networks, malfunction of Our equipment or networks, or inadvertently by a third party or parties. We reserve the sole right to suspend or discontinue the availability of Our Services at any time in Our sole discretion and without prior notice or consent.
We also may collect information online when You visit Our websites or access Our Services from Your computer or other device, or interact with Us on or through social media.
In using Our Services, You may choose to communicate with Us by providing us with feedback, comments, questions, or proposals. In so doing, You agree that any content You submit to Us is not confidential or proprietary in nature, and does not impose upon Us any obligation or otherwise. Under no circumstance will Your submission of information obligate ASZ to pay You compensation. Any information You submit to ASZ immediately becomes Our property, and as such, We are entitled to use or disclose any such information at Our sole discretion, by any means or methods whether known now or in the future. You may provide Your information as part of an attempted or completed request for a quote or offer for goods and services of a third-party vendor. In doing so, You agree to allow ASZ to use this information in any way consistent with the Terms of Service. When You submit contact information to Us as part of an attempted or completed request for a quote or offer for goods and services, You consent to receive telephone calls, emails, text messages, mailers, or other similar communications in connection with these goods and services. This is true even if Your phone number is on any “do not call” list.
You authorize ASZ to contact You with relation to Our Services and products if You expressly provide us with Your contact information in connection with Our Services or the products or services offered through Our Services. This authorization is without regard to any “do not call” list registry.
You are responsible for anything You transmit to or through Our Website or to Us through email, and that Your transmissions will be truthful, accurate, not misleading, offered in good faith and that You have authority to transmit such information. In using Our Website, You agree that it is solely Your responsibility to avoid certain activities We deem as prohibited at Our discretion. These prohibited activities include, but are not limited to:
We reserve the right but have no obligation to monitor Our Services for Your or third party violations of this Agreement, to take appropriate legal action against anyone who violates this Agreement, to refuse or restrict access to or availability of any User`s interaction with the Services, remove the Services or otherwise disable all files and content at Our sole discretion, and otherwise manage the Services in order to protect the rights and property of ASZ and its clients.
We may restrict, suspend, or terminate Your use of or access to Our Services in the event that You violate these Terms of Service, at Our sole discretion, as permitted by law. We may change the content or otherwise restrict access to all or parts of Our Services without providing notice at Our discretion, as permitted by law.
We make no representations or warranties about the suitability of the content of Our Website for any purpose. We provide all of our Content on an “as is” and an “as available” basis without any warranty of any kind.
We are a licensed independent insurance broker and offer advisory, risk management and other services in relation to Your insurance planning requirements. You understand and agree that We are not an insurance company or similar provider of products or services, and as such, do not make any coverage determinations.
Risk Channels as well as any other future brands of ASZ International, Inc. dba ASZ Associates are practice groups of ASZ International, Inc. dba ASZ Associates and are not licensed insurance brokerages. All insurance products offered by ASZ International, Inc. dba ASZ Associates, a licensed insurance broker.
We make no warranty of any kind whatsoever-express or implied-with respect to the contents of its Services. ASZ HEREBY DISCLAIMS ANY AND ALL IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE. THE INFORMATION PROVIDED ON THIS WEBSITE IS PROVIDED ON AN “AS-IS” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, ASZ EXCLUDES ALL REPRESENTATIONS AND WARRANTIES RELATING TO THIS WEBSITE AND ITS CONTENTS AS WELL AS ALL LIABILITY FOR DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THIS WEBSITE. ASZ DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING THE COMPLETENESS, ACCURACY, RELIABILITY, USEFULNESS, OR TIMELINESS OF THE MATERIALS ON THE WEBSITE. ASZ DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING THE USE OF OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEBSITE. WE DO NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR ITS SERVER ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU (AND NOT US) ASSUME THE ENTIRE COST OF ANY AND ALL DAMAGES ARISING OUT OF YOUR USE OR INABILITY TO USE THIS WEBSITE, INCLUDING ANY COSTS IN CONNECTION WITH NECESSARY SERVICING, REPAIR, OR CORRECTION.
You expressly agree that Your use of Our Services is at Your sole risk. It is solely Your independent duty and responsibility to verify and evaluate the accuracy, correctness, and completeness of ANY Services. We make no warranty or guarantee that any content available for downloading is free from infection from any computer programming or other glitches which may contaminate, damage, interfere with, destroy, intercept, or expropriate any system, data, or personal information. We do not make any representations, warranties, or guarantees-express or implied-regarding quotes or offers provided on or through Our Services. Without limitation to other provisions contained herein, You agree that We are MERELY an intermediary between You and an insurance provider, financial institution, or other service provider. As such, We expressly disclaim all liability for any content, products, or services furnished from such service providers
We further make no representations, guarantees, or warranties that Our Services are appropriate or available for use in jurisdictions outside of the United States of America. If You access or otherwise use Our Services from these jurisdictions, You do so of Your own volition and risk, and are solely responsible for compliance with local and international law.
We will not be held liable to anyone for any liability, known or unknown, arising out of, or in any way relating to, any damages, loss, or claim whatsoever, no matter how occasioned, in connection with or arising out of access to or use of the contents of its Services. In no event shall We be liable for any special, indirect, exemplary, or consequential damages, or any damages whatsoever, including but not limited to loss of use, data, or profits, without regard to the form of any action, including but not limited to contract or negligence or other tortious actions, arising out of or in connection with the use, reproduction, or display of the content.
ASZ does not directly provide insurance and makes no representations, warranties, or guarantees with respect to quotes, terms, rates, coverage, or services offered to You by insurers or other third parties through ASZ’s Services. We believe the content provided through its Services to be accurate, complete, and current. However, inadvertent technical or factual inaccuracies may arise and, therefore, We do not warrant that its content is accurate, complete, and current. Content that We provide through its Services is meant to assist You with insurance and financial decisions, however such information merely constitutes a general description of insurance coverage potentially available. Any particular coverage provided to You by any insurance company or other third party is subject to that party’s terms, conditions, exclusions, and underwriting practices. You must verify information ASZ provides through its Services before relying on that information in whole or in part. We also recommend that You obtain additional information and advice from Your accountant, attorney, and other advisors that can take Your individual circumstances into account. The insurance policy or other product or service You purchase, if any, through Our Services forms the exclusive contract between You and the insurer or other third party, and You agree to not rely on the general information made available through Our Services. Our Services may provide You with offers or quotes with a third-party provider of goods or services. However, You agree that We make no guarantee that all users will be provided with such a quote, and that some of these services may only be available to United States residents and corporations or only available in a portion of states.
By using Our Services, You agree to indemnify, defend, and hold harmless ASZ against any claim, cost, fine, damages, liabilities, and losses, including attorneys’ fees and legal costs, arising from or related to Your use of Our Services.
Access to and use of many aspects of Our Services are free. You may choose to purchase products or services from Us while using Our Services, which may result in charges and fees to You. We will inform You in advance of any such charge or fee. By submitting payment information for an accepted method of payment (“Payment Method”) through Our Services, You authorize Us to charge You these agreed-upon amounts as well as any applicable taxes to Your Payment Method. You will not be entitled to any refund of charges, fees, or taxes except as expressly provided herein, or as required under applicable law. You may choose to use a credit or debit card as a Payment Method to pay for charges, fees, and taxes in connection with Our Services. Should You choose to do so, You warrant that You are authorized to use such credit or debit card for this purpose. Should You use a credit or debit card without authorization, in whole or in part, You will remain responsible for any outstanding balance, and We may alert the appropriate authorities of Your misuse. You may edit Your Payment Method information by contacting Our Client support and upon approval of any insurance proposal presented to You. If a payment is not successfully settled, due to expiration, insufficient funds, or otherwise, and You do not call to edit Your Payment Method information or cancel Your account, You remain responsible for any uncollected amounts and authorize Us to continue billing the Payment Method, as it may be updated. This may result in a change to Your payment billing dates. For certain Payment Methods, the issuer of Your Payment Method may charge You a foreign transaction fee or other charges. Check with Your Payment Method service provider for details.
You may cancel Your policy at any time by calling Our Client support. Note that some policies may have a minimum nonrefundable deposit (a “minimum earned premium”) as determined by the Insurer, where others allow You to cancel at any time. Please review Your insurance proposal and quotes in detail to understand the cancellation terms of any given policy
We receive commissions, fees, or interest as compensation for the insurance policies provided to You through Our Services. If You have any questions regarding the nature or amount of the compensation paid to ASZ or its partners, DBAs, subsidiaries, and affiliates, We encourage You to contact Us.
Our Services come with perks that allow You to access third-party providers of products and services. We do not endorse or recommend any of these providers, and do not act as an agent with respect to such providers or with respect to You. We do not investigate, guaranty or certify that such providers are appropriately licensed, certified, or otherwise qualified to offer these products and services. You agree that You are solely responsible to investigate these providers, and that You are solely responsible and liable for any products or services they may provide You that may give rise to costs, damages, liabilities, fees, or fines. We suggest that You seek the consult of financial advisers, insurance agents, or other qualified professionals who may be fully aware of Your individual circumstances and needs prior to making any financial or insurance purchasing decisions. You agree that You are relying solely on Your judgment and that of Your advisors in purchasing products or services through Our Services or based on information provided by Our Services.
Notwithstanding anything to the contrary herein, and without limitation, Our names, graphics, and logos used in connection with Our Services, service marks, icons, page headers, product names, page layouts, scripts, and related terminology are Our trademarks and trade dress (collectively, “Proprietary Marks”) in the United States and other countries. You may not use Our Proprietary Marks without Our express and written permission. We make no proprietary claim to any third-party names, trademarks, or service marks appearing on Our Services as such rights related to these names, trademarks, or service marks belong to their respective owners.
Any information, advice, data, software, or other content, which may be contained in or downloaded from Our Services (collectively, “Content”), including, but not limited to, all text, graphics, charts, images, videos, line art, icons, and renditions, are copyrighted by, or otherwise licensed to, Us or Our Content suppliers. We also own copyrights to a collective work in the selection, coordination, arrangement, organization, navigation, presentation, display, and selective alteration of the Content (“Collective Work”). All software used in providing or supporting Our Services (“Software”) is Our property or the property of Our software vendors and is protected by United States and international copyright laws. Any access You may have, including but not limited to, viewing, reading, printing, downloading or otherwise using the Content, Collective Work, or Software does not waive any of Our rights and does not entitle You or any third party to any ownership or intellectual property rights.
You are solely liable for any damages arising from Your infringement of Our or any third-party intellectual property rights with respect to the Trademarks, Content, Collective Work, or Software. You are solely responsible for any harm incurred to Us or Our affiliates as a direct or indirect result of You copying, distributing, redistributing, publishing, or using the same for purposes that are expressly or impliedly in violation of these Terms of Service.
These Terms are between You and ASZ. No provision within these Terms confers any implied or express right in any third party. These terms do not provide You with any authority to bind ASZ in any way.
You may not transfer, assign, or license Your rights under these Terms without Our prior express and written consent.
Our Services are intended for use for those areas in the United States where We, Our affiliates, Our partner insurers, Our brokers, or Our agents and employees are licensed and permitted to sell Our products and services. Although Our Services may be accessed by users in other locations, any offer or transaction for any feature, product, or service is void where prohibited by law.
Our Services are not directed at minors, that is, persons younger than 18 years old. If You are not at least 18 years old, please do not provide attempt to access Our services. We do not knowingly contact or collect personal information from persons under 18 years old, and such a person should not provide Us with his or her personal information.
You are permitted to engage in appropriate linking to Our Website. However, for the avoidance of any doubt, We do not endorse or accept responsibility for the content of any other Website that links to Our Website or to which We link.
These Terms may not be modified through oral agreement or statements. The individual employees of ASZ, ASZ’s partners, and ASZ’s third-party affiliates are not authorized to modify these Terms except by the mechanism stated herein. Any employee offering to modify these Terms is not acting as an agent of ASZ or with proper authority to bind ASZ. You agree not to rely on any statement, written or oral, by any employee or agent of ASZ or any third party with respect to modification or interpretation of these Terms.
Except as otherwise provided herein, in the event that any provision contained within these Terms shall be deemed to be unenforceable, invalid, or unambiguous, such provision shall be limited or discarded to the minimum extent necessary so that the remaining provisions of these Terms remain in full force and enforceable.
Neither party shall be deemed to have waived, in whole or in part, any of its rights granted herein by its failure to exercise, in whole or in part, any right herein.
Neither party shall be responsible for any delay or failure in any performance due to acts of God, war, warlike conditions, blockade, embargoes, riots, government restriction, labor disturbances, unavailability of anticipated usual means of supplies, wrecks, epidemics, quarantine, fire, flood, earthquake, explosion, any unforeseen change in circumstances, or any other causes beyond the parties’ reasonable control.
This Agreement and Policies or Notices expressly incorporated by reference herein, and any other legal notices published by Us on Our Website shall constitute the entire agreement of the parties, and supersede any prior or contemporaneous agreements, understandings, warranties, or understandings, whether written or oral, whether express or implied, with connection to Our Services.
At its discretion, ASZ may amend these Terms from time to time. We will post any such material changes to Our Website along with a notice indicating that these Terms have changed at least thirty (30) days prior to the effective date of these changes, when practicable. Should We materially change the Terms, You may cancel Your account with Us by contacting Us in accordance with the “Contact Us” provision of these Terms before the effective date of the modified Terms. You will not be bound by the updated Terms if You cancel Your account within this time period.
In the event ASZ may choose or become obligated to provide You with notices under or related to these Terms, You consent to receive such notices or related communications by ASZ posting them on Our Website, by sending them to You via an email address You provided, or by sending them to a postal address You provided, at Our discretion. You further agree that any such communication as described herein satisfies any legal requirement that the communication must be provided in writing.
If You have any questions about these terms or wish to notify Us about any complaints or questions in relation to Your use of Our Services, You may contact ASZ by email at email@example.com or by mail at: ASZ International, Inc. 500 Summit Lake Drive, Suite 120, Valhalla, NY 10595
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