COPYRIGHT

All materials, including graphic images, buttons, layout and text posted on the Site are subject to copyrights owned by the Insurance Institute for Business & Home Safety (IBHS) and other individuals or entities. No reproduction, retransmission, or republication of all or part of any graphic images, materials or documents found on the Site is allowed without proper attribution to IBHS or the owning entity. Other use is prohibited unless the copyright owner of the material has expressly granted its prior written consent to so reproduce, retransmit, or republish the material. All other rights are reserved.

The names, trademarks, service marks and logos appearing on this site may not be used in any advertising or publicity, or otherwise to indicate IBHS sponsorship of or affiliation with any product or service, without prior express written permission from IBHS. Any company or financial institution logos are the exclusive property of the respective entities, and are used with their permission.

THIRD PARTY CONTENT 

Any opinions, advice, services, or other information made available by third parties, including information providers and users are those of the respective authors or distributors and not of IBHS.

MODIFICATION 

IBHS shall have the right, at its discretion, to change, modify, add or remove terms of this agreement or the Site at any time. Notification of any such changes may be made herein, but is not guaranteed. Changes shall be effective immediately, and subsequent use by you of the Site shall constitute your acceptance of them.

INDEMNITY/LIMITATION OF LIABILITY

Under no circumstances, including, but not limited to, negligence, shall IBHS or its member companies be liable for any direct, indirect, incidental, special, consequential or other damages, including but not limited to loss of data or lost profits, that result from the use of, or the inability to use, the materials in the Site.

As a condition of use of the Site, the user agrees to indemnify IBHS and its suppliers from and against any and all liabilities, expenses and damages arising out of claims resulting from user’s use of this Web site, including without limitation any claims alleging facts that if true would constitute a breach by user of these terms and conditions. If you are dissatisfied with any material on the Site, or with any of terms and conditions for using the Site, your sole and exclusive remedy is to discontinue using the Site.