DISCLAIMER 

Agreement. Insurance Market Intelligence LLC Website (the "Website") is an online informational service provided by Insurance Market Intelligence LLC ("IMI"). The service is offered for your use subject to your acceptance of, and compliance with, the terms and conditions of this disclaimer agreement (this "Agreement"). By accessing the Website you agree to be bound by the terms and conditions of this Agreement. If you do not agree these terms and conditions then you may not access or use the Website. 

Content. The content of the Website is for general information purposes only and does not constitute advice of any kind. The Website contains information, communications, forms, software, images, sounds, materials, music, graphics, photos, videos and other material and services (the "Content"). IMI tries to provide Content that is true and accurate but does not warrant the accuracy, timeliness, or applicability of any of the Content. IMI reserves the right to change and modify the Content at any time. Nothing in the Content can or should be considered to be the basis of a contract between you with IMI. All the information on this website is published in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk and we will not be liable for any losses and damages in connection with the use of our website.  From our website, you can visit other websites by following hyperlinks to these sites. While we strive to provide only links to useful and ethical websites, we have no control over the content and nature of these sites and the links to other websites do not imply a recommendation for all the content found on these sites. This site may include technical inaccuracies or typographical errors. Information on this site and any products or services to which this site refers may be changed at any time without notice. IMI makes no representations or warranties as to the suitability or accuracy of products and services available through IMI as stated on the Website or otherwise included in the Content. With respect to the Content, IMI disclaims all warranties and conditions, express or implied, and including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. IMI makes no representations whatsoever about any other website which you may access through this one. Such linked sites are not under the control of IMI and is not responsible for the contents of any linked site or any link contained in a linked site or any changes to such sites. Such links are provided only as a convenience, and the inclusion of a link does not imply IMI’s endorsement of the linked site.   Please be also aware that when you leave our website, other sites may have different privacy policies and terms which are beyond our control.

Grant of Limited License. You as a user of the Website agree (a) that all Content and IMI's name ("IMI") and logo ("IMI") are protected by intellectual property rights, including copyrights, trade marks, service marks and other proprietary rights (the "Rights"), (b) that the Rights are valid and protected in all media existing now or later developed and (c) that all use of the Information and IMI's name and logo by any user will be in keeping with such Rights and the terms and conditions of this Agreement. Any other use of the Content or use of IMI's name or logo is prohibited. None of the Content, or IMI's name or logo, may be otherwise reproduced, republished or re-disseminated in any manner or form without the prior written consent of the IMI.

Limitations on Liability. IMI shall not be liable in any manner in relation to browsing or other use of the Website including, but not limited to, your use of the Content and your downloading of any Content from the Website. This disclaimer of liability includes, but is not limited to any possible liability for errors,  inaccuracies, omissions, misleading or defamatory statements. To the extent allowed by applicable law, in no instance shall IMI be liable for any direct, special, incidental, indirect, exemplary or consequential damages whatsoever including, without limitation, damages for loss of business profits, business interruption, loss of data, or any other pecuniary loss may result or arise out of, or are in any way connected with your use of the Website, the Content or any other information or service contained on or made available through the Website.

Privacy Policy. We want you to know that protecting your personal information is very important to us, and we respect your privacy. This Privacy Policy is meant to explain how we use and protect the personal information you share with us. This Policy applies to all users of www.imicompany and or our services, and to any information provided to us.  When you visit our website, you provide us with two types of information: personal information that identifies you (such as your name and email address) and non-personal information (such as your IP address and browser type) that does not identify you personally, but gives us information about your computer and about your activities on our site. This information includes your IP address, your browser type, the date and time you access the site, and the website that referred you to our site. We also collect and store information from your computer using “cookies.” A cookie is a small file stored on your computer that is tied to information about you. For example, when you sign in to your IMI account, cookies will be used to save your email address and name so the next time you visit your my IMI account from the same computer we will “remember” your email address and name in order to make your experience faster and simpler.  We know it is very important to protect the information you share with us. We take appropriate security measures to help safeguard this information from unauthorized access and disclosure. For example, only authorized employees are permitted to access your personal information, and they may do so only for limited reasons. We also encrypt sensitive information before it is sent from your computer to ours. We also use firewalls to help prevent unauthorized access to your personal information.  You should feel confident using our website. However, no system can be completely secure. Although we take very significant steps to secure your information, there is always a chance that your information will not always remain secure, and you should always take great care in handling and disclosing your personal information. For example, avoid sending personal information through insecure email. Please refer to the Federal Trade Commission’s website at http://www.ftc.gov/bcp/menus/consumer/data.shtm for information about how to protect yourself against identity theft.  In general, we may use information that we collect about you in the following ways:

·         to communicate with you by e-mail, regular mail, telephone and/or mobile devices about products or services that may be of interest to you

·         to enforce our terms and conditions;

·         to protect against or identify fraudulent transactions;

·         to generally manage our business; and 

We won’t share your personal information with anyone except for the situations listed below or unless we specifically inform you and give you an opportunity to opt out of our sharing your personal information. We may share your personal information with:

Authorized service providers. Our authorized service providers are companies that perform certain services on our behalf. These services may include fulfilling orders, providing customer service and marketing assistance, performing business and sales analyses, supporting our  website functionality, and supporting contests, sweepstakes, surveys and other features we offer. These service providers may have access to your personal information to the extent necessary to perform their functions, but we do not allow them to share or use any of your personal information for any other purpose.

Changes to Terms and Conditions in this Agreement. IMI reserves the right to modify the terms and conditions of this Agreement at any time, and such modifications shall be effective immediately upon either posting of the modified Agreement. Your continued access to the Website shall be deemed to be conclusive acceptance of the modified Agreement.

Florida Law and Forum. IMI reserves the right to modify the terms and conditions of this Agreement at any time, and such modifications shall be effective immediately upon either posting of the modified Agreement. Your continued access to the Website shall be deemed to be conclusive acceptance of the modified Agreement.


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