By using the web site, you agree to be bound by this Terms of Use Agreement. This Terms of Use Agreement, all intellectual property issues, and your rights and obligations shall be governed by the laws of the United States of America and the State of Indiana governing contracts wholly entered into and wholly performed within Indiana.

The agency may change this Terms of Use Agreement at any time. When the terms are changed, the changes will appear in this document. By using the web site after any change in the Terms of Use Agreement is posted, you agree to be bound by all of the changes as well. You should consult this page each time you access the web site

This Terms of Use Agreement is personal to you, and you may not assign your rights or obligations to anyone. If any provision of this Agreement is invalid under applicable law, the remaining provisions will continue in full force and effect.

The agency may discontinue or change the web site, or its availability to you, at any time without notice.

Copyright and Limitations on Use

The information available through this web site is the property of the agency or its licensors and is protected by copyright and other intellectual property laws. Information received through the web site may be displayed, reformatted and printed for your personal, non-commercial use only. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate the information received through the web site to anyone, including but not limited to others in the same company or organization, without the express prior written consent of the agency. The web site includes facts, views, opinions and recommendations of individuals and organizations deemed of interest. The agency does not guarantee the accuracy, completeness or timeliness of, or otherwise endorse, these views, opinions or recommendations.

Disclaimer of Warranties and Liability

Due to the number of sources from which information on this web site may be obtained, and the inherent hazards of electronic distribution, there may be delays, omissions or inaccuracies in such information and the web site.

The web site may contain generic descriptions of coverage provided by various insurance policies. Any description of coverage on this web site is not a guarantee of the coverage provided on your policy purchased through this agency, or any other insurance policy you may currently own or purchase in the future. To verify coverage provided on your specific policy or a policy you are contemplating purchasing, you should contact the agency directly or the insurance carrier that issued, or will potentially issue the policy.

THE AGENCY AND ITS AFFILIATES, AGENTS AND LICENSORS CANNOT AND DO NOT WARRANT THE ACCURACY, COMPLETENESS, CURRENTNESS, NONINFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE NEWS AND INFORMATION AVAILABLE THROUGH THE WEB SITE, OR THE WEB SITE ITSELF. NEITHER THE AGENCY NOR ANY OF ITS AFFILIATES, AGENTS OR LICENSORS SHALL BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR INJURY CAUSED IN WHOLE OR PART BY ITS NEGLIGENCE OR CONTINGENCIES BEYOND ITS CONTROL IN PROCURING, COMPILING, INTERPRETING, REPORTING OR DELIVERING THE WEB SITE AND ANY NEWS AND INFORMATION THROUGH THE WEB SITE. IN NO EVENT WILL THE AGENCY, ITS AFFILIATES, AGENTS OR LICENSORS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON SUCH INFORMATION OR FOR ANY CONSEQUENTIAL, SPECIAL OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU AGREE THAT THE LIABILITY OF THE AGENCY, ITS AFFILIATES, AGENTS AND LICENSORS, IF ANY, ARISING OUT OF ANY KIND OF LEGAL CLAIM (WHETHER IN CONTRACT, TORT OR OTHERWISE) IN ANY WAY CONNECTED WITH THE WEB SITE OR THE INFORMATION IN THE WEB SITE SHALL NOT EXCEED THE AMOUNT YOU PAID TO THE AGENCY FOR USE OF THE SERVICE.