:: Legal & Privacy Policy

Legal Disclaimer

The information contained herein is provided solely for general informational purposes. Generally, this web site is not intended to be a solicitation or an offer to sell in connection with any product or service, nor is the information a complete description of all terms, conditions and exclusions applicable to the products and services described. For complete descriptions of the terms, conditions and exclusions of insurance coverages or other products or services, please contact A Black White & Associates underwriter. Products and services referenced herein may not be available in all jurisdictions.

In the case of specific online applications for certain types of insurance policies, you must be at least 18 years old to apply. You should review Black White & Associates online privacy statement service and pay close attention to the online instructions and disclaimers relating to the particular insurance application you complete.

The information contained herein was believed to be accurate at the time it was posted. Black White & Associates periodically updates the information on this Web site; however, Black White & Associates does not accept responsibility for the timeliness of the information at the time it may be accessed. Links to other Internet sites that are not maintained by Black White & Associates may be accessed through this Web site. Such external Internet addresses contain information created, published, maintained or otherwise posted by organizations and entities independent of Black White & Associates. Black White & Associates is not responsible for the content of those sites nor does it approve, endorse or certify information available at any external site or linked addresses contained herein.

This Web site is not intended for the use of persons younger than eighteen years of age.

Privacy Statement of Black White & Associates

You shall not disclose any non-public personally identifiable financial customer or policyholder information provided to you ("Customer Information"), except as may be permitted (a) under the terms and conditions of that certain Agent-Company Agreement, including all amendments thereto, to which you are a party, or (b) under applicable state or federal law or regulation. Such Customer Information shall not be reproduced or shared with any other party except those entities with which you may from time to time, and upon prior notice to Black White & Associates, contract in furtherance of your transacting business with Black White & Associates, and which disclosure has been approved in writing by Black White & Associates. You shall promptly adopt and implement security procedures to protect against improper disclosure or use of all Customer Information, which procedures shall be in compliance with all applicable federal and state regulatory requirements regarding privacy. In addition, you may have privacy disclosure requirements with which you must comply under state and federal laws; which requirements may be separate from, or in addition to, the requirements with which you must comply on our behalf.

You shall, from time to time, during regular business hours and upon reasonable notice, permit Black White & Associates to perform security audits of your facilities and equipment, and such other audits as may be necessary to ensure your compliance with the terms and conditions of this Privacy and Confidentiality Statement, and all requirements related to the protection of Customer Information.

No Warranties

THIS AGENT WEB SITE AND OUR OTHER WEB SITES AND ANY MATERIAL PROVIDE THEREIN ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NO ORAL ADVICE OR WRITTEN INFORMATION GIVEN BY BLACK WHITE & ASSOCIATES, ITS EMPLOYEES, AGENTS, THIRD-PARTY INFORMATION PROVIDERS, MERCHANTS, LICENSORS OR THE LIKE, SHALL CREATE A WARRANTY, AND YOU MAY AND SHALL NOT RELY ON ANY SUCH INFORMATION OR ADVICE..

Limitation of Liability / Disclaimer of Damages

Your use of this Agent Web Site, our other web sites, and/or any Material is at your own risk. If you are dissatisfied for any reason with this Agent Web Site, our other web sites, or the Material, or with these Terms and Conditions, your sole remedy is to discontinue using this Agent Web Site, our other web site(s) and/or the Material.

IN NO EVENT SHALL BLACK WHITE & ASSOCIATES BE LIABLE TO ANY USER OR ANY THIRD PARTY FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTIAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR LOST PROFITS) RESULTING FROM THE USE OR INABILITY TO USE THE BULLETIN BOARD OR THE INFORMATION POSTED THERE IN, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT FIREMAN'S FUND IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Copyrights/Trademarks/Intellectual Property

The Material found on this Agent Web Site and on our other web sites is protected by copyright, trademark and intellectual property laws of the United States and of foreign countries. Unauthorized use of the Material may violate those laws. You must retain all copyright and other proprietary notices contained in the original Material on any copy you make of the Material. You may not sell or modify the Material or reproduce, display, publicly perform, distribute or otherwise use the Material in any way for any public or commercial purpose. The use of the Material on the web site of any other party's web site or on any other networked computer environment for any purpose is prohibited. If you use any Material without expressed permission from the owner of that Material, whether us or a third party, we or that third party owner may pursue whatever legal options we or they have, including criminal prosecution.

Black White & Associates makes no claims that the Material is appropriate for downloading, or that the Material may be lawfully downloaded outside of the United States. Access to the Material may not be legal by certain persons or in certain countries. If you access our web sites from outside of the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.