Agreement to Terms

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\n By accessing or using the Specialty Insurance SC website (the "Site"), you agree to be bound by these \n Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site.\n

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\n Specialty Insurance SC is a division of Alliance Risk Insurance Services LLC ("Alliance Risk," "we," \n "our," or "us"), a licensed insurance agency.\n

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Use of the Site

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Permitted Use

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You may use the Site for lawful purposes only. You agree not to:

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• Violate any applicable laws or regulations

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• Infringe on intellectual property rights

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• Transmit malicious code or engage in hacking activities

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• Collect information about other users without consent

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• Impersonate any person or entity

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• Interfere with the operation of the Site

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Account Registration

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\n Some features of the Site may require you to create an account. You are responsible for maintaining \n the confidentiality of your account credentials and for all activities that occur under your account.\n

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Insurance Services

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No Binding Coverage

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\n Information provided on this Site is for informational purposes only and does not constitute an \n insurance quote, offer, or binding coverage. Coverage is not bound until you receive written \n confirmation from us or an insurance carrier.\n

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Agency Relationship

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\n Alliance Risk Insurance Services acts as an insurance agent/broker. We represent multiple insurance \n carriers and may receive commissions on policies sold. We will work to find suitable coverage for \n your needs, but we do not guarantee that coverage will be available or affordable.\n

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Accuracy of Information

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\n You agree to provide accurate and complete information when requesting quotes or purchasing insurance. \n Misrepresentation of material facts may result in denial of coverage or cancellation of your policy.\n

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Intellectual Property

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\n All content on the Site, including text, graphics, logos, images, and software, is the property of \n Alliance Risk Insurance Services or its licensors and is protected by copyright, trademark, and other \n intellectual property laws.\n

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\n You may not reproduce, distribute, modify, or create derivative works from any content on the Site \n without our express written permission.\n

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Third-Party Links and Services

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\n The Site may contain links to third-party websites or services. We are not responsible for the content, \n accuracy, or practices of these external sites. Your use of third-party websites is at your own risk.\n

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Disclaimers

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No Warranty

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\n The Site and all content are provided "as is" and "as available" without warranties of any kind, \n either express or implied. We do not warrant that the Site will be uninterrupted, error-free, or \n free of viruses or other harmful components.\n

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No Professional Advice

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\n Content on the Site is for general informational purposes only and should not be construed as \n professional insurance, legal, or financial advice. Consult with a licensed professional for advice \n specific to your situation.\n

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Limitation of Liability

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\n To the fullest extent permitted by law, Alliance Risk Insurance Services and its officers, directors, \n employees, and agents shall not be liable for any indirect, incidental, special, consequential, or \n punitive damages, including lost profits, arising out of or related to your use of the Site.\n

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\n Our total liability to you for any claims arising from your use of the Site shall not exceed the \n amount you paid to us in the twelve (12) months preceding the claim, or $100, whichever is greater.\n

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Indemnification

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\n You agree to indemnify, defend, and hold harmless Alliance Risk Insurance Services and its affiliates \n from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) \n arising from your use of the Site or violation of these Terms.\n

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Dispute Resolution

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Governing Law

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\n These Terms shall be governed by and construed in accordance with the laws of the State of New York, \n without regard to its conflict of law principles.\n

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Arbitration

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\n Any dispute arising from these Terms or your use of the Site shall be resolved through binding \n arbitration in accordance with the rules of the American Arbitration Association, except where \n prohibited by law.\n

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Changes to Terms

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\n We reserve the right to modify these Terms at any time. We will notify you of material changes by \n posting the updated Terms on the Site and updating the "Last Updated" date. Your continued use of \n the Site after changes constitutes acceptance of the revised Terms.\n

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Termination

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\n We may terminate or suspend your access to the Site at any time, without notice, for conduct that \n we believe violates these Terms or is harmful to other users, us, or third parties, or for any \n other reason in our sole discretion.\n

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Severability

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\n If any provision of these Terms is found to be unenforceable or invalid, that provision shall be \n limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain \n in full force and effect.\n

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Contact Us

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If you have questions about these Terms of Service, please contact us:

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