Terms and Conditions
PLEASE REVIEW THESE TERMS AND CONDITIONS CAREFULLY. ONCE YOU ACCEPT OR OTHERWISE ACCESS THIS SITE, YOU WILL BE GOVERNED BY THESE TERMS AND CONDITIONS.
TABLE OF CONTENTS
These Terms and Conditions constitute a legally binding agreement (“Agreement”) made between you, whether personally or on behalf of an entity (“you” or "your" ) and our company and its affiliates (together, "Company," “we," “us," or “our”), concerning your access to and use of the website as well as any other media form, media channel, website or application related, linked, or otherwise connected thereto (collectively, the “Site”).
You agree that by accessing the Site, you have read, understood, and agreed to be bound by these Terms and Conditions. If you do not agree to these Terms and Conditions, you may not use or access the Site. Please read carefully before using the Site.
Subject to applicable law, we may modify, alter, or otherwise change this Agreement, with or without cause or notice to you. In addition, we may suspend, cancel, add, modify, or delete any feature offered in connection with the Site at our sole discretion at any time, with or without cause, and without giving you notice, subject to applicable law. We reserve the right to deliver to you any notice of changes to existing terms or the addition of new terms by posting an updated Agreement on the Site or delivering notice of changes to you electronically to the email address you provided to us when registering your account.
Please review this Agreement periodically for changes as you are bound by the version of this Agreement that exists whenever you access the Site. Your continued use of the Site after a revised Agreement is posted constitutes your willingness to be bound by these changes without limitation, qualification, or change. If at any time you do not accept these changes, you must immediately discontinue use of the Site and cancel your account as described further herein.
The information provided on the Site is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Site from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.
The Site is to be used strictly in accordance with applicable international, federal, state and local laws and regulations ("Applicable Laws"), and you agree that you will abide by all Applicable Laws while accessing or using the Site. The Site refers to U.S. business activities and/or products and services and provides general information with respect to such products and services. Except with regard to some small business insurance available online at this Site, such general information is not intended to be, and does not constitute, a solicitation of business from any resident of the U.S. and its states and territories. All portions of the Site related to or intended and permitted for use solely by licensed brokers and other licensed market professionals.
Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by Applicable Laws.
The Content and the Marks are provided on the Site “AS IS” for your information and personal use only. Except as expressly provided in these Terms and Conditions, no part of the Site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission. Provided that you are eligible to use the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the Site, the Content and the Marks.
By using the Site, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such registration information as necessary; (3) you have the legal capacity and you agree to comply with these Terms and Conditions; (4) you are not a minor in the jurisdiction in which you reside; (5) you will not access the Site through automated or non-human means, whether through a bot, script, or otherwise; (6) you will not use the Site for any illegal or unauthorized purpose; and (7) your use of the Site will not violate any Applicable Laws.
If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof).
With regard to insurance available online, the Site may contain some features that require registration. At the time you register for access, you will select an email address and password to use in connection with future access to the Site. You are responsible for maintaining the confidentiality of your password and you are fully responsible for all uses of your password, whether by you or others. You agree to keep your password confidential and not to share it with anyone else, and to promptly notify us of any unauthorized use of your password or any other breach of security.
You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us. As a user of the Site, you agree not to:
You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information regarding the Site ("Submissions") provided by you to us are non-confidential and shall become our sole property. We shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these Submissions for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you. You hereby waive all moral rights to any such Submissions, and you hereby warrant that any such Submissions are original with you or that you have the right to submit such Submissions. You agree there shall be no recourse against us for any alleged or actual infringement or misappropriation of any proprietary right in your Submissions.
The Site may contain (or you may be sent via the Site) links to other websites ("Third-Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third Party Content"). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third Party Websites accessed through the Site or any Third-Party Content posted on, available through, or installed from the Site, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content.
Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Site and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Terms and Conditions no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Site or relating to any applications you use or install from the Site. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us harmless from any harm caused by your purchase of such products or services. Additionally, you shall hold us harmless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.
We reserve the right, but not the obligation, to: (1) monitor the Site for violations of these Terms and Conditions; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms and Conditions, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Site or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Site in a manner designed to protect our rights and property and to facilitate the proper functioning of the Site.
We care about data privacy and security. Please review our Privacy Policy located on the Site. By using the Site, you agree to be bound by our Privacy Policy, which is incorporated into these Terms and Conditions. Please be advised the Site is hosted in the United States. If you access the Site from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from Applicable Laws in the United States, then through your continued use of the Site, you are transferring your data to the United States, and you agree to have your data transferred to and processed in the United States.
These Terms and Conditionsshall remain in full force and effect while you use the Site. WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS AND CONDITIONS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SITE (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE TERMS AND CONDITIONS OR OF ANY APPLICABLE LAWS. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SITE OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.
If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.
We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Site. We also reserve the right to modify or discontinue all or part of the Site without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site.
We cannot guarantee the Site will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Site at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site during any downtime or discontinuance of the Site. Nothing in these Terms and Conditions will be construed to obligate us to maintain and support the Site or to supply any corrections, updates, or releases in connection therewith.
These Terms and Conditions and your use of the Site are governed by and construed in accordance with the laws of the State of New York applicable to agreements made and to be entirely performed within the State of New York, without regard to its conflict of law principles.
The parties agree that any dispute, claim or controversy arising out of or relating in any way to the Site or this Agreement, must be adjudicated on an individual basis and not as a class or collective action.
There may be information on the Site that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Site at any time, without prior notice.
THE SITE IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SITE’S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE SITE AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SITE, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SITE. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SITE, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.
The Site may contain links to websites and co-branded pages operated and maintained by other parties (each a “Linked Site”). We provide these links to other websites and co-branded pages as a convenience to provide you with access to information and services that you may find useful or interesting. However, no Linked Site is under our control. We are not responsible for and make no warranties or representations about the contents, products, or services offered on any Linked Site. Such links do not imply our endorsement of information or material on any other website and we disclaim all liability with regard to your access to and use of such Linked Sites or goods or services purchased through them. Your use of Linked Sites is at your own risk.
Without prejudice to the foregoing, any third-parties identified on this Site are provided to help you find services or products which may be useful to you. However, you are solely responsible for deciding whether any of these partners, services, or products are suitable for your purposes and we take no responsibility for the third-parties listed or their services and products.
YOU AGREE THAT WE AND OUR OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS WILL NOT BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE OR RELIANCE DAMAGES (INCLUDING, WITHOUT LIMITATION, LOST OR ANTICIPATED REVENUES, LOST BUSINESS OPPORTUNITIES OR LOST SALES OR PROFITS, WHETHER OR NOT ADVISED OF THE LIKELIHOOD OF SUCH DAMAGES) OR FOR ANY ATTORNEY’S FEES (WHETHER INCURRED IN A DISPUTE OR AN ACTION AGAINST US OR OTHERWISE) ARISING OUT OF YOUR USE OF THIS SITE.THIS LIMITATION ON LIABILITY INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES WHICH MAY INFECT A USER’S EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS (E.G. YOU CANNOT ACCESS YOUR INTERNET SERVICE PROVIDER), UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, STRIKES OR OTHER LABOR PROBLEMS OR ANY OTHER EVENTS WHATSOEVER.
OUR LIABILITY TO YOU, IN TOTAL, FOR THE DURATION OF OUR BUSINESS RELATIONSHIP FOR ANY AND ALL DAMAGES, COSTS, AND EXPENSES (INCLUDING BUT NOT LIMITED TO ATTORNEYS’ FEES), WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, IN CONNECTION WITH OR RELATED TO THE SITE AND OUR SERVICES (INCLUDING A FAILURE TO PROVIDE A SERVICE) THAT WE PROVIDE IN TOTAL SHALL BE LIMITED TO $1,000 USD (“LIABILITY LIMITATION”), TO THE FULLEST EXTENT PERMITTED BY LAW.
THIS LIABILITY LIMITATION APPLIES TO YOU AND EXTENDS TO YOUR PARENT(S), AFFILIATES, SUBSIDIARIES, AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS (EACH A “USER GROUP MEMBER” OF THE “USER GROUP”) WHEREVER LOCATED THAT SEEK TO ASSERT CLAIMS AGAINST
US AND OUR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS(EACH, A “COMPANY GROUP MEMBER” OF THE “COMPANY GROUP”). NOTHING IN THIS LIABILITY LIMITATION SECTION IMPLIES THAT ANY COMPANY GROUP MEMBER OWES OR ACCEPTS ANY DUTY OR RESPONSIBILITY TO ANY USER GROUP MEMBER.
IF YOU OR ANY OF YOUR USER GROUP MEMBERS ASSERT ANY CLAIMS OR MAKE ANY DEMANDS AGAINST US OR ANY OF OUR GROUP MEMBERS FOR A TOTAL AMOUNT IN EXCESS OF THIS LIABILITY LIMITATION, THEN YOU AGREE TO INDEMNIFY US FOR ANY AND ALL LIABILITIES, COSTS, DAMAGES AND EXPENSES, INCLUDING ATTORNEYS' FEES, INCURRED BY US OR ANY OF OUR GROUP MEMBER THAT EXCEEDS THIS LIABILITY LIMITATION.
AON CORPORATION, OUR ULTIMATE PARENT COMPANY, AND ITS AFFILIATES HAVE FROM TIME TO TIME SPONSORED AND INVESTED IN INSURANCE AND REINSURANCE COMPANIES. WHILE WE GENERALLY UNDERTAKE SUCH ACTIVITIES WITH A VIEW TO CREATING AN ORDERLY FLOW OF CAPACITY FOR OUR CLIENTS, WE ALSO SEEK AN APPROPRIATE RETURN ON OUR INVESTMENT. THESE INVESTMENTS, FOR WHICH AON IS GENERALLY AT-RISK FOR POTENTIAL PRICE LOSS, TYPICALLY ARE SMALL AND RANGE FROM FIXED-INCOME TO COMMON STOCK TRANSACTIONS. IN SUCH CASE, THE GAINS OR LOSSES WE MAKE THROUGH YOUR INVESTMENTS COULD POTENTIALLY BE LINKED, IN PART, TO THE RESULTS OF TREATIES OR POLICIES TRANSACTED WITH YOU. PLEASE VISIT THE AON WEBSITE AT HTTP://WWW.AON.COM/MARKET_RELATIONSHIPS FOR A CURRENT LISTING OF INSURANCE AND REINSURANCE CARRIERS IN WHICH AON CORPORATE AND ITS AFFILIATES HOLD ANY OWNERSHIP INTEREST.
You agree to defend, indemnify, and hold us and our respective directors, officers, employees and agents harmless, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party against us due to or arising out of your: (1) your breach of these Terms and Conditions; (2) any breach of your representations and warranties set forth in these Terms and Conditions; (3) your violation of the rights of a third party, including but not limited to intellectual property rights; or (4) any overt harmful act toward any other user of the Site with whom you connected via the Site. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims.
We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.
We will maintain certain data that you transmit to the Site for the purpose of managing the performance of the Site, as well as data relating to your use of the Site. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Site. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.
Visiting the Site, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SITE. You hereby waive any rights or requirements under any Applicable Laws that require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.
These Terms and Conditions and any policies or operating rules posted by us on the Site or in respect to the Site constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms and Conditions shall not operate as a waiver of such right or provision. These Terms and Conditions operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Terms and Conditions is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms and Conditions and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Terms and Conditions or use of the Site. You agree that these Terms and Conditions will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Terms and Conditions and the lack of signing by the parties hereto to execute these Terms and Conditions.
In order to resolve a complaint regarding the Site or to receive further information regarding use of the Site, please contact us at:
Compliance Department
1100 Virginia Drive
Suite 250
Ft Washington, PA 19034
These Terms and Conditions were last updated January 2024