Legal Notices

This page sets forth the terms and conditions under which GeoVera Holdings, Inc. and its affiliates and subsidiaries (“GeoVera Holdings, Inc.,” “us” or “we”) provide the information on this website, as well as the terms and conditions governing your use of this site. By making use of this website, you agree to be bound by the terms and conditions that appear here (“Usage Agreement”). The terms and conditions are subject to updating at any time without notice. If at any time you do not accept the terms and conditions, do not access the website or any of its pages. Changes to the terms and conditions take effect when posted to the website.

We may terminate, change, suspend or discontinue any aspect of the website, including the availability of any features of the website, at any time.

Submissions
We shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides to us through this website, subject to our Privacy Policy.  We shall not be subject to any obligations regarding such information except as expressly indicated with respect to personal/nonpublic information in our Privacy Policy contained within the website, with respect to our direct customer relationship with the person providing the information or otherwise specifically agreed to in a separate writing or required by law. You further recognize that we do not want you to provide, and prohibit you from providing any information or material to us that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another person or entity.

UserID/Password Use
While we cannot guarantee that information transmitted through the Internet is secure, for certain types of communications through this website, we may require the use of available technologies or other precautions provided for your protection and/or require you to use user identification information ("userIDs") and passwords. If you have been assigned a userID for access to restricted sections of this site, you are responsible for all activities executed under your userID and are the only one who may use it. You are responsible for protecting your userIDs and passwords from disclosure to third parties and you are not permitted to avoid the use of required encryption technologies. It is a violation of these terms and conditions and a serious breach of security for you to allow another person to use your userID and its associated passwords, use the userID and password assigned to another person, or attempt to gain access to resources for which you are not authorized.

Warranty & Liability - Disclaimer
We specifically disclaim all warranties with respect to this website or your use thereof. Other than as required and/or protected by applicable consumer protection law, privacy law, insurance law or other law (“Regulated Information”), all information on the website, including but not limited to graphics, text and links to other sites, is provided "as is" and "as available" and may be changed without prior notice. We do not warrant the content, quality, condition, accuracy, adequacy or completeness of information that is not Regulated Information (“Non-Regulated Information”).  In no event will we be liable for errors or omissions in Non-Regulated Information or for any losses or damages, direct, indirect, incidental, special or consequential resulting from your use or misuse of, or reliance on, any such Non-Regulated Information. Such information is provided without warranty of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or similar disabling devices. You are responsible for evaluating the accuracy, completeness or usefulness of any Non-Regulated Information, advice or other content available on this website.

We expressly disclaim any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, special, incidental or consequential damages, losses or expenses arising in connection with your use of or inability to use this site or any other website linked to this site, or in connection with any failure of performance, error, omission, interruption, virus, defect, or delay in operation or transmission, even if we are aware of the possibility of such damages, losses or expenses.  You agree to defend, indemnify and hold us harmless from any liability, loss, claim and expense, including attorneys’ fees related to your violation of these provisions or the use of the service, including technical support provided at this website.

Copyright Policy
All of the information, except personal or nonpublic information, on this website, including all text, graphics, software applications, video and audio files and photos (collectively, "Content"), and all rights in the pages and the screens displaying the pages are owned by us or our licensors, protected by copyright under United States and foreign laws. Appointed agents and brokers in good standing with us may use and reproduce copies of this website and its Content to conduct the authorized business of ours.  Unlicensed employees of insurance agencies may use this website to conduct commercial activities not requiring a license on behalf of their employer. If you are not an appointed agent or broker in good standing, or otherwise performing authorized commercial activities hereunder, you may refer to, cite or print and use the Content for your personal, non-commercial use as long as your copies retain all copyright, trademark and other proprietary notices that appear on the original screens. You may not modify, reproduce, copy, distribute, transmit, display, publish, sell, license, create derivative works of or use any aspect of the website or its Content for commercial or public purposes or on any other website or in a networked computer environment or engage in any other redistribution or republication of the Content.

Trademarks
Trademarks, service marks, trade names, logos, URLs, domain names and icons ("Marks") appearing on this site, whether registered or not, are owned by us   or our licensors. Nothing on this website grants you any right or license to use any of the Marks without the express written permission of us or the third party owners of such Marks.

Hypertext Links To Third Party Sites
As a convenience to you, we may provide links to third party websites, or permit third parties to link to this website. Because these other websites are not under our control, we cannot guarantee the quality, accuracy, timeliness or security of those websites. A link to or from another website does not imply an affiliation between us and the third party site owner or an endorsement of the third party site or any products or services that it describes. Your access to and use of any other Internet sites linked to or from this website is at your own risk and we assume no obligation or liability in connection therewith. We may disable a link at any time and will remove any link from this website at the third party site owner’s request.

Products and Services - Disclaimer
Please note that none of the information contained in this website should be viewed as an offer to sell or as a solicitation to purchase any of our products or services. Rather, the information on our products and services is provided to you so that you can learn what products we generally offer. We may make improvements and/or changes in the products, services and/or programs described on this site at any time without notice. Insurance coverage statements on this website are for general description purposes only. This website does not amend, modify or supplement any insurance policy. Consult the actual policy or your agent who can supply you with details regarding terms, conditions, coverages, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to final determination of underwriting qualifications and acceptance by our underwriting company providing such products or services. Further, this website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any such policy. Whether coverage exists or does not exist for any particular claim or loss under any such policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording. Unless otherwise specified, products and services are available in the United States only. Information on the website may include references to products or services not offered in your state or country or not available for purchase over the Internet in your state or country. Variations in state law regarding the interpretation of insurance policies may exist, and any statements of coverage scope or intent in this summary are general in nature and are subject to change based on such variations. Availability of coverage referenced in this summary may be dependent upon state regulations.

Use of Cookies
When you visit our website, you may see that we use "cookies" in interacting with your web browser. A "cookie" is a piece of information that a website transfers to your computer hard drive for recordkeeping purposes. The cookie cannot be read by a website other than the one that set the cookie. We use cookies for a number of administrative purposes; for example, to store your preferences for certain kinds of information or to store a password so that you do not have to input it every time you visit our website. Most cookies last only through a single session, or website visit. None will contain information that will enable anyone to contact you via telephone, e-mail, or any other means. You can set up your web browser to inform you when cookies are set or to prevent cookies from being set.

International Users
This website is controlled and operated by us from offices within the United States of America. We make no representation that materials at this website are appropriate or available for use at other Internet locations outside of the United States or that access to their content from all territories is legal. You may not use the website or export the website materials in violation of U.S. export laws and regulations. If you access this website from locations outside of the United States, you are responsible for compliance with all local laws.

Usage Agreement & Choice of Law
The provider of this website service is GeoVera Holdings, Inc., its subsidiaries and affiliates, 1455 Oliver Road, Fairfield, CA 94534; phone:  (707) 863-3700.  The website service is provided without charge to the user, unless the service entails electronic payments by the user.  Please contact the provider with any questions or concerns about the service.

Notice to California Residents
If you are a California resident, you may also contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd., Suite S-202, Sacramento, California 95834, or by telephone at (800) 952-5210 in order to resolve a complaint regarding the service provided hereunder, or to receive further information regarding use of the service.

This Usage Agreement shall be governed by the laws of the United States and of the State of California, without giving effect to its conflict of laws provisions. This Agreement constitutes the entire agreement between you and us with respect to your use of the website.

Updated: 01/01/2020