Please read these terms and conditions carefully. They govern your access to and use of this web site provided by the North Carolina Joint Underwriting Association (NCJUA) and the North Carolina Insurance Underwriting Association (NCIUA) (the Associations). Additional terms may apply to your access and use of different portions of this web site; any additional terms will be posted in the "Terms and Conditions" section associated with that particular portion of the web site. If you use this web site, you agree to be bound by these terms and conditions and the Program Rules.
Original material of the Associations posted on this web site is protected by intellectual property laws. You are granted a nonexclusive, nontransferable, limited and revocable right to access, use, display and navigate this web site solely for your personal, non-public use. You are also granted a limited and revocable license to print copies of any Content accessible from this web site (the "Content"), but solely for your personal, non-public use. Except as expressly provided above, all rights are reserved. Any commercial or public use of this web site or any content is strictly prohibited. Except as expressly provided above, no portion of this web site, its Contents or any copyright, trademark, trade name, service mark or any other proprietary information of the Associations (collectively, the "Intellectual Property"), displayed on this web site or on any of the Content may be reproduced, altered, removed, transmitted, published or distributed, whether electronically, mechanically, by photocopy, recording or otherwise, without the prior written permission of the Associations. The Associations own the Intellectual Property. Use of any trademarks of the Associations as metatags on any third-party web site is strictly prohibited. You may not co-brand this web site or display this web site in frames (or any of the Content via online links) without the prior written permission of the Associations. "Co-branding" means your display of any of the Intellectual Property, or your taking of other means of attribution or identification of the Associations in such a manner reasonably likely to give a third party the impression that you or such third party has the right to display, publish or distribute this web site or any Content. You agree to cooperate with the Associations in causing any unauthorized co-branding, framing or linking to cease immediately.
The Associations operate this web site from its offices in North Carolina. The Associations do not represent that the Content on this web site is appropriate or available for use in other locations, and access from certain locations may be strictly prohibited. You acknowledge and agree that you are accessing this web site on your own initiative, at your own risk, and are responsible for compliance with all laws. These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States and the State of North Carolina. You consent to exclusive jurisdiction and venue in Wake County, North Carolina and waive the defense of forum non convenience.
As a convenience to you and other visitors to this web site, the Associations may authorize third-party links to this web site and/or may provide links to third-party web sites and the content posted on such sites. The Associations make no representations and disclaim all liability as to the Content or material available at those locations, the accuracy of information and the quality of products or services provided or advertised on such third-party sites. Moreover, any link to any third-party site or from a third-party site to this web site (whether or not authorized) does not constitute any express or implied sponsorship, affiliation or endorsement of such third-party site.
You may not use any information obtained from this web site for spamming or solicitation.
The Associations disclaim all warranties, expressed or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose and non-infringement. This web site is made available "as is," without any warranties whatsoever about the nature, content or accuracy (either when posted or as a result of the passage of time) of any material on the site, and without any representations or guarantees. In addition, the Associations make no representations, warranties or guarantees that this web site will be secure, accessible continuously and without interruption, or error free.
In no event will the Associations, and their respective service, service providers, content providers, employees, agents, officers and directors ("the Representatives") be liable to you, whether at law or in equity, for claims and liabilities of any kind arising out of or in any way related to your access or use of this web site or its contents. The Associations and their respective Representatives will never be liable to you for any direct or indirect, special, incidental or consequential damages, including any such damages, or for any claims by any third parties arising out of or in any way related to your access to, or use of, this web site or any of its contents, whether such damage claims are brought under any theory of law or equity.
Your access and use privileges of this web site and its Content are conditioned upon your adherence to these Terms and Conditions. The Associations have the right to deny you access and use of this web site and its Content if you violate (as the Associations may determine in their sole and absolute discretion) any provision of these Terms and Conditions. The Associations reserve the right to seek all other remedies available at law and in equity. You agree, at your own expense, to defend, indemnify and hold the Associations and their respective Representatives harmless from any claim or demand made by a third party in connection with or arising out of your access to or use of (1) the web site or any of its Content in a manner other than as expressly authorized by these Terms and Conditions, (2) your breach of these Terms and Conditions or (3) your violation of applicable laws or any rights of any third party. You further agree to pay for the reasonable attorneys' fees incurred by the Associations in responding to those claims and demands outlined above.
Except to the extent of additional terms imposed by different portions of this web site, these Terms and Conditions set forth the entire understanding between the Associations and you with respect to your access to and use of the web site and the Content, and supersedes all prior or contemporaneous understandings regarding your access and use.
In the event that any portion of these Terms and Conditions is ruled invalid or otherwise unenforceable, the remainder of these Terms and Conditions shall not fail on account thereof, and shall continue in full force and effect. Any invalid or unenforceable portion should be construed as narrowly as possible in order to give effect to as much of these Terms and Conditions as possible.
The Associations' failure, in any instance, to exercise any of its rights under these Terms and Conditions will not constitute waiver of such right or any other rights under these Terms and Conditions.
The Associations reserve the right to modify these Terms and Conditions and the Content of the web site at any time in the Associations' sole discretion. Your use of this web site after such changes are implemented constitutes your acceptance of the changes.