Terms of Use

Please carefully read these Terms and Conditions of Use (these “Terms”). Your access to or use of this website signifies that you understand and agree to be bound by these Terms. If you do not agree to be bound by or comply with these Terms, do not access or use this website.

MODIFICATION OF TERMS AND CONDITIONS OF USE
RPg Insurance Solutions (herein “RPg”) owns and operates this website. RPg reserves the right, in its sole discretion, to change, modify, add, or remove portions of these Terms at any time. We suggest that you check these Terms periodically for changes. They can be accessed from the link at the bottom of our website pages. Any changes, modifications, or additions to, or deletions from these Terms shall be effective upon posting on this website. If you use this website after we post changes to the Terms, you accept the Terms as changed. RPg expressly reserves the right to monitor any use of this website.

ELECTRONIC MONITORING
In connection with your use of the website, you acknowledge and consent to any form of electronic monitoring of any communication, electronic or otherwise, between you and RPg. You acknowledge and consent to the recording, retention and use by RPg (and its employees, representatives and agents) of all information and data that you input during your use of the website, including without limitation, all selections and uses of software, calculators and other tools included therein.

JURISDICTION
The products and services described and information provided in the Website are intended for United States residents only and are 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 RPg to any registration requirement in such jurisdiction or country.
INTELLECTUAL PROPERTY
All copyrights, trademarks, logos, service marks, trade names, or other intellectual property displayed on, or used in conjunction with, this website are proprietary to RPg, unless otherwise noted. The content of this website is protected by applicable intellectual property law. RPg reserves all rights with respect to intellectual property ownership of all material on this website and will enforce such rights to the full extent permissible by law. The material accessible on or through this website is accessible for personal browsing and printing purposes only. Users of this website may not otherwise:

(1) copy, reproduce, modify, sell, republish, post, transmit, or distribute in any way material from this website without the express, written permission of RPg;

(2) use, copy, modify, or display any RPg name, logo, text, or graphic image without RPg’s express, written permission;

(3) display any of the pages, text, images, or other content of this website using “framing” technology without RPg’s express written permission;

(4) modify or use the pages, text, images, or other content from this website for any purpose other than browsing or printing for personal, non-commercial use; or

(5) take any action to create an impression of affiliation, sponsorship, or endorsement between any user and/or website and RPg.

Transmission or use of any material in violation of this Agreement, or any applicable law, rule or regulation (whether of the United States or other countries), or the rights of any third party is prohibited. This includes, but is not limited to, copyrighted material, material which is defamatory, threatening, obscene, lewd and indecent, material protected by trademark, trade secret or patent laws, or material that results in an invasion of privacy.

LINKED WEBSITES
RPg is in no way responsible for the content of any website, owned or operated by a third party, that may be linked to this website via hyperlink, whether such hyperlink is provided by RPg or by a third party. In addition, RPg is in no way responsible for the content of any website to which this website may link. The information to which the user links is neither prepared nor maintained by RPg, and RPg has not and will not review or update the information contained in any linked website. RPg is not responsible for, and makes no warranty with respect to the contents, accuracy, completeness, timeliness, suitability, or reliability of the linked website. Use of any website hyperlinked to or from this website shall be at your own risk.

THIRD PARTY CONTENT
Through this website, you may have access to news reports, third-party reports, research, and other information relating to the insurance industry. RPg may obtain this information and other information made available on this website from third parties who are independent of RPg. Even though the sources of the information provided on this website are believed to be reliable, RPg is not responsible for, and makes no warranty with respect to the contents, accuracy, completeness, timeliness, suitability, or reliability of the information accessible on or through this website. The information provided is not a complete summary or statement of all available information or data. RPg MAKES NO EXPRESS OR IMPLIED WARRANTIES (INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE) WITH RESPECT TO THE INFORMATION ACCESSIBLE ON OR THROUGH THIS WEBSITE.

NO OFFER OR ADVICE
This website is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any insurance solution referenced on or through this website. Nor does this website constitute an offering or recommendation by RPg of any insurance policy, investment management service, or advisory service. RPg does not provide investment advice, tax advice, or legal advice through this website, and you agree that this website will not be used by you for such purposes. RPg does not represent that the solutions, products, or services discussed on, or accessible through, this website are suitable for any particular consumer. You acknowledge that your requests for information are unsolicited, and the provision of any information through this website shall not constitute or be considered an offer to sell, or a solicitation of an offer to buy any insurance solution.

USE OF E-MAIL
The security of electronic mail sent through the Internet is not guaranteed. Do not send sensitive or confidential information to us via electronic mail. Delivery, and timely delivery, of electronic mail is also not guaranteed. RPg therefore recommends that you do not send time-sensitive or action-oriented messages to us via electronic mail. Such requests, orders, or instructions will not be processed until RPg can confirm your instructions or obtain appropriate written documentation where necessary.

CONFIDENTIALITY
RPg shall use reasonable precautions to maintain the confidentiality of the information you may provide to RPg and information you have created, input or developed in connection with your use of the website, but because such information can be accessed through the Internet, you hereby acknowledge and agree that there can be no assurance that the information or any information provided to you through the website will remain secure. In addition, RPg may disclose such information to its employees, representatives, officers, agents, and affiliates, as well as a governmental entity or any other third party agent or service provider (a) for any purpose related to the conduct of RPg business or to the offering, providing or maintaining of this website, (b) to comply with applicable rules, orders, subpoenas or other legal process, or in order to give information to any government agency or official requesting such information, or (c) for any other legitimate business purpose.

NO WARRANTIES; LIMITATION OF LIABILITY
THE ACCURACY, COMPLETENESS, SEQUENCE OR TIMELINESS OF THE INFORMATION ACCESSIBLE ON OR THROUGH THIS WEBSITE CANNOT BE GUARANTEED. RPg DOES NOT WARRANT THIS WEBSITE (INCLUDING THE MARKET DATA OR OTHER INFORMATION ACCESSIBLE ON OR THROUGH THIS WEBSITE) FOR ANY PARTICULAR PURPOSE. IT IS PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS. RPg DISCLAIMS, TO THE FULLEST EXTENT OF THE LAW, ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER RELATING TO THIS WEBSITE (INCLUDING ANY INFORMATION ACCESSIBLE ON OR THROUGH THIS WEBSITE), INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. USE OF THIS WEBSITE IS AT YOUR OWN RISK. RPg AND ITS DIRECTORS, OFFICERS, EMPLOYEES, MEMBERS AND LICENSORS WILL NOT BE LIABLE OR HAVE ANY RESPONSIBILITY OF ANY KIND FOR ANY LOSS OR DAMAGE (INCLUDING DIRECT, INDIRECT, CONSEQUENTIAL, SPECIAL OR OTHER DAMAGES) THAT YOU INCUR ARISING FROM OR IN CONNECTION WITH:

(1) ANY DELAY, TERMINATION, FAILURE, DEFECT, OR INTERRUPTION IN THE TRANSMISSION OF THIS WEBSITE OR ANY INFORMATION ACCESSIBLE ON OR THROUGH THIS WEBSITE;

(2) ANY INACCURACY, ERROR, UNAVAILABILITY, OR INCOMPLETENESS IN THE TRANSMISSION OF THIS WEBSITE OR ANY OTHER INFORMATION ACCESSIBLE ON OR THROUGH THIS WEBSITE;

(3) ANY TERMINATION OR INTERRUPTION OF YOUR ACCESS TO THIS WEBSITE;

(4) YOUR RELIANCE ON OR USE OF THIS WEBSITE OR OTHER INFORMATION ACCESSIBLE ON OR THROUGH THIS WEBSITE;

(5) ANY E-MAIL REQUESTS, ORDERS, OR INSTRUCTIONS YOU SEND, OR THE INTERCEPTION BY THIRD PARTIES OF ANY REQUESTS, ORDERS, OR INSTRUCTIONS YOU SEND VIA E-MAIL;

(6) ANY ACT OR OMISSION OF RPg IN MAKING THIS WEBSITE OR MARKET DATA OR OTHER INFORMATION ACCESSIBLE ON OR THROUGH THIS WEBSITE AVAILABLE TO YOU; OR

(7) ANY OTHER CAUSE RELATING TO YOUR ACCESS TO OR USE OF THIS WEBSITE, WHETHER OR NOT THE CIRCUMSTANCES GIVING RISE TO SUCH CAUSE MAY HAVE BEEN WITHIN THE CONTROL OF RPg OR WITHIN THE CONTROL OF ANY OTHER PARTY PROVIDING SOFTWARE OR SERVICES SUPPORT FOR THIS WEBSITE.

RPg DOES NOT WARRANT THAT THIS WEBSITE, OR THE FUNCTIONS CONTAINED IN THIS WEBSITE, WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE, OR THE SERVERS THAT MAKE IT AVAILABLE, ARE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ASSUME THE ENTIRE COST OF ANY NECESSARY SERVICING, REPAIRING, OR CORRECTING OF YOUR PROPERTY OR OPERATIONS AS A RESULT OF USING THIS WEBSITE. YOU ACCEPT AT YOUR OWN RISK THAT THE INTERNET OR OTHER ONLINE COMMUNICATIONS MEDIUM MAY NOT PERFORM AS INTENDED AS A RESULT OF HUMAN, MECHANICAL, OR OTHER ERROR, DESPITE THE EFFORTS OF RPg, YOU, OR ANY THIRD PARTY.

IN NO EVENT WILL RPg OR ITS DIRECTORS, OFFICERS, MEMBERS, OR EMPLOYEES BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, OR INCIDENTAL DAMAGES RELATED IN ANY WAY TO YOUR USE OF THIS WEBSITE, EVEN IF:

(A) SUCH DAMAGES ARE REASONABLY FORESEEABLE; OR

(B) RPg OR ANY OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

MISCELLANEOUS
This Agreement represents the complete and exclusive statement of the agreement and understanding between you and RPg regarding your rights to access and use this website, and supersedes all prior and contemporaneous agreements and representations regarding such subject matter. Except as herein provided, no waiver, modification or amendment of any provision to this Agreement shall be effective against RPg unless the same is in writing and signed by an authorized official of RPg.
RPg’s failure to insist at any time upon strict compliance with any term of this Agreement, or any delay or failure on RPg’s part to exercise any power or right given to RPg in this Agreement, or a continued course of such conduct on RPg’s part shall at no time operate as a waiver of such power or right, nor shall any single or partial exercise preclude any other future exercise. All rights and remedies given to RPg in this Agreement are cumulative and not exclusive of any other rights or remedies which RPg otherwise has at law or equity.
ADDITIONAL TERMS
Certain sections or pages on this website may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

GOVERNING LAW AND SEVERABILITY
These Terms will be governed and construed under the laws of the state of Texas without regard to its conflict of law principles, regardless of whether you reside in Texas or transact business with RPg in Texas or elsewhere. Nothing in these Terms creates any rights or protections that you are not already entitled to by law. If any part of these Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Terms will remain in effect.