Legal Notice and Disclaimer

Innovative Coverage Concepts, LLC (“ICC”) invites you to access and use this website subject to the terms and conditions below and all applicable laws. Your use of this website, including the submission of an online request for a quote, constitutes your agreement to abide by the following terms and conditions:

COPYRIGHT

The material provided on ICC’s website, including the information and any images on the site, is for your personal non-commercial use only. You may not modify, republish, post or transmit anything you obtain from this website, including anything you download from the site, unless you first obtain ICC’s consent. You may not create any kind of hyperlink from any other site to ICC’s website unless you first obtain ICC’s permission.

THIRD PARTY WEBSITES

ICC sometimes provides access to other World Wide Websites from its site or you may have reached ICC’s site from another site. Please understand that ICC does not endorse or approve any products or information offered to you at sites you may reach from our site or from which you may have reached ICC’s website.

By providing material on this website, ICC does not promise that the materials will remain available to you or that you will qualify for the insurance products or services that ICC offers.  ICC is entitled to terminate all or a part of its website at any time, without notice to you.

JURISDICTION

Unless otherwise specified, the materials on the ICC website are presented to provide information about ICC, and its insurance products, services and business. ICC does not intend for the materials on the site or the products or services discussed to be available to businesses outside the United States or in jurisdictions in which ICC is not licensed to carry out its insurance activities, or for the existence of the materials to imply that ICC is soliciting business in any jurisdiction in which it is not licensed to sell insurance.

In California, insurance is only distributed by Innovative Coverage Concepts, LLC. 

LIMITATION OF LIABILITY

ICC WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM YOUR USE OF THIS SITE. THESE INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF THE SITE; (2) USE OF ANY SITE TO WHICH YOU HYPERLINK FROM THIS SITE; (3) FAILURE OF PERFORMANCE; (4) ERRORS OR OMISSIONS; (5) INTERRUPTION OR DEFECT; (6) DELAY IN OPERATION OR TRANSMISSION; (7) COMPUTER VIRUS; OR (8) LINE FAILURE. WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES, DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY.  ICC IS ALSO NOT LIABLE EVEN IF ICC HAS BEEN NEGLIGENT OR IF ITS AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR BOTH.

SOME STATES MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR THESE INCIDENTAL OR CONSEQUENTIAL DAMAGES, AND THEREFORE, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN ANY EVENT, ICC’S LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, INJURIES AND CLAIMS OF ANY KIND, WHETHER IN CONTRACT, TORT OR UNDER ANY OTHER LEGAL THEORY, WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS ICC’S SITE.

DISCLAIMER

THE MATERIAL ON THIS WEBSITE IS PROVIDED “AS IS”, MEANING THAT ICC DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL ON THIS SITE INCLUDING, BUT NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) THAT DEFECTS WILL BE CORRECTED; (4) THAT THIS SITE IS FREE OF COMPUTER VIRUSES; OR (4) THAT INFORMATION CONTAINED IN THIS SITE IS ACCURATE AS OF ANY PARTICULAR DATE.

SERVICE MARKS

“ICC” is a service mark of Innovative Coverage Concepts, LLC.  All rights reserved.

MISCELLANEOUS
These Terms and Conditions, and the agreement they create, shall be governed by and interpreted according to the laws of the State of New Jersey, without giving effect to New Jersey’s conflict of laws principles.

If any provision hereof is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.

ICC may modify the terms and conditions of this Agreement, without notice to you, by updating this agreement on this site.

Copyright © 2006 Innovative Coverage Concepts, LLC.  All rights reserved.