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Terms of Use

BMCC Insurance provides its services and products to you subject to the provisions of these Terms of Use ("TOU"). By using this Site or viewing the content herein you accept and agree to be bound by these TOU and each of its provisions. This is a legally binding agreement between you and BMCC Insurance, so please read it carefully. If you do not agree to these TOU, please do not use BMCC Insurance. We may amend these TOU from time to time. If you continue to use the Site and/or the services offered through the Site after the amendments become effective, you are deemed to have agreed to be bound by the TOU as amended. If you do not agree to the amended TOU, then you agree not to use the Site and/or the services provided by the Site. To use this Site and the services, you must be of legal age to enter into a binding contract and not be prohibited from using the Site or the services by the laws of the jurisdiction from which you access the Site or the services. PRODUCTS AND SERVICES The information provided to you on this website is general in nature and may not contain all of the terms and conditions applicable to BMCC Insurance's services. You must review the terms of your individual policy to determine the applicable terms and conditions. Coverage may vary by state. The information provided to you on this Site is not offered as legal, accounting or other professional advice, and is not tailored to your particular circumstances. QUOTATIONS AND COVERAGE All quotations generated on the Site are estimates based upon information that you have provided to BMCC Insurance. They do not constitute a contract or agreement to extend insurance coverage. To obtain coverage you must submit an application to BMCC Insurance. All applications are subject to approval, and coverage and availability may vary by state. When you submit information to us for your quote, we rely on the accuracy of that information. If you decide to purchase a policy through us, we may verify the information you have provided us from motor vehicle and claims reports, and your quote is therefore subject to change based on other variables we may learn about. When a User selects a quote on the Site, his or her data may be transferred to an affiliate company and/or website. The insurance policy entered into may be with an affiliate company and the contracting insurance provider may have a different name from the Site you are visiting. ONLINE CLAIMS SUBMISSIONS You may choose to report a claim through BMCC Insurance’s website by contacting your insurance carrier’s toll-free claim hotline listed on this Site. Your submission does not bind BMCC Insurance to provide coverage for this loss. All official claim payments, communications and transactions will be processed through your insurance carrier or their designated representatives. ACCOUNT AND PASSWORD In order to access some features on the Site, you will have to create a User account. In creating a User account, we ask that you provide certain information about yourself. If you have created a User account with BMCC Insurance, you are responsible for the security of your account and password. You agree to accept responsibility for all activities that occur in connection with your account, whether or not the use is authorized. In addition, you agree to notify us immediately of any known unauthorized use of your account. We reserve the right to close your account at any time for any reason. SCOPE OF USE Use of the Site by a competitor organization or other non-consumer third party is not permitted. We grant you permission to access BMCC Insurance but not to download or copy any portion of its content for any commercial purpose or to modify any portion of it, except with our written or e-mailed consent. This license does not include any commercial use of BMCC Insurance or its content, any derivative use of BMCC Insurance or its contents, or any use of data mining, robots or similar data gathering or extraction tools or processes. You further agree not to undertake any of the foregoing. Except as explicitly provided in these TOU, you agree not to store in any form, distribute, transmit, display, reproduce, modify, create derivative works from, sell or otherwise exploit any of the content of any portion of BMCC Insurance for any commercial purpose. You may display and print a copy of the pages of BMCC Insurance for your personal, non-commercial use, but you may not otherwise reproduce any material appearing on BMCC Insurance without our prior written consent. Requests for permission to reproduce or distribute materials found on the Site should be sent to [insert link]. You may not use our name or any misspelling or typographical variation of BMCC Insurance, whether alone or in conjunction with any other word or phrase, trademarks or service marks in any manner (including use in any meta-tags or any other "hidden text") without our prior written or e-mailed consent. Any violation of the foregoing will terminate the permission granted by us to access and make use of BMCC Insurance. PRIVACY POLICY BMCC Insurance's current Privacy Policy is available on this Site and is incorporated herein by reference. COPYRIGHT POLICY The information on this Site and any materials is the copyrighted work of BMCC Insurance and is protected by United States and worldwide copyright laws and treaty provisions. You may not post, modify, distribute, or reproduce in any way any copyrighted material, trademarks, or other proprietary information belonging to BMCC Insurance without obtaining our prior written consent. You are granted limited permission to use the information and/or materials on this Site such information or materials: i) is used solely for non-commercial purposes and remains unmodified or revised, ii) retains any copyright notices as may accompany the original version, and iii) contains a statement that the material or information is used with BMCC Insurance's permission. OWNERSHIP BMCC Insurance owns the BMCC Insurance content that is available on the Site, including but not limited to visual interfaces, interactive features, graphics, scripts, photos, sounds, music, videos, design, compilation, computer code, products, software, text, aggregate user review ratings, and all other elements and components of the Site, excluding any third party content. BMCC Insurance also owns or has the license for the copyrights, trademarks, service marks, trade names, and other intellectual and proprietary rights throughout the world associated with the BMCC Insurance content and the Site, which are protected by copyright, trade dress, patent, trademark laws and all other applicable intellectual and proprietary rights and laws. As such, you may not modify, reproduce, distribute, create derivative works or adaptations of, publicly display or in any way exploit any of the BMCC Insurance content in whole or in part except as expressly authorized by BMCC Insurance. Except as expressly and unambiguously provided herein, BMCC Insurance does not grant you any express or implied rights. All rights in and to the Site and the BMCC Insurance content are retained by BMCC Insurance. LINKS TO THIRD PARTY WEBSITES BMCC Insurance may include links to other websites. BMCC Insurance does not control or endorse any content of these third party websites, and, by using BMCC Insurance you agree that BMCC Insurance is not responsible for the availability or content of such third party websites. TERMINATION BMCC Insurance reserves the right, in its sole discretion, to restrict, suspend, or terminate your access to all or any part of the Site at any time, for any reason, with or without prior notice, and without liability. BMCC Insurance expressly reserves the right to remove your User account and/or restrict, suspend, or terminate your account and your access to any part of the Site if it determines, in its sole discretion that you breached the TOU or are suspected of involvement in illegal activity. You may terminate your account with BMCC Insurance at any time, for any reason, by following the instructions on the Site or sending an email to bmcc@bmccinsurance.com. Subject: CLOSE ACCOUNT. Make sure to reference your account information in the body of the email. In the event of any termination, this TOU shall remain in effect. WARRANTY DISCLAIMERS ALL MATERIALS, INFORMATION, SOFTWARE, PRODUCTS AND SERVICES INCLUDED IN OR AVAILABLE THROUGH BMCC INSURANCE ARE PROVIDED "AS IS" AND "AS AVAILABLE" FOR YOUR USE. ALL MATERIALS, INFORMATION, SOFTWARE, PRODUCTS AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THIS WEBSITE ARE PROVIDED WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NONINFRINGEMENT. WE AND THE OTHER ENTITIES FROM WHOM WE OBTAIN CONTENT DO NOT WARRANT THAT THE MATERIALS, INFORMATION, SOFTWARE, PRODUCTS OR SERVICES INCLUDED IN OR AVAILABLE THROUGH BMCC INSURANCE ARE ACCURATE, RELIABLE OR CORRECT; THAT BMCC INSURANCE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT BMCC INSURANCE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS WEBSITE IS SOLELY AT YOUR RISK. Because some jurisdictions do not permit the exclusion of certain warranties, these exclusions may not apply to you. LIMITATION OF LIABILITY UNDER NO CIRCUMSTANCES SHALL WE OR ANY OF THE COMPANIES WITH WHICH WE DO BUSINESS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR INABILITY TO USE BMCC INSURANCE. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER BASIS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN UNDER CIRCUMSTANCES THAT CAUSE ANY EXCLUSIVE REMEDY UNDER THIS AGREEMENT TO FAIL OF ITS ESSENTIAL PURPOSE. YOU SPECIFICALLY ACKNOWLEDGE THAT BMCC INSURANCE SHALL NOT BE LIABLE FOR USER SUBMISSIONS OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY AND THAT THE RISK OF HARM OR DAMAGE FROM THE FOREGOING RESTS ENTIRELY WITH YOU. Because some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, our liability in such jurisdictions shall be limited to the extent permitted by law. DAMAGES; INDEMNIFICATION You agree that you will be responsible for any damages resulting from any violation of these TOU. You further agree to indemnify and hold BMCC Insurance, and its owners, affiliates, officers, directors, agents and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your breach of these TOU, or any violation of any law or the rights of any third party that occurs in connection with your use of BMCC Insurance. RESERVATION OF RIGHTS BMCC Insurance reserves all right to obtain any remedy available in law or equity for breaches of the TOU set forth in this Site. CHOICE OF LAW AND FORUM These TOU shall be governed by and construed in accordance with the laws of the State of California, excluding conflict of law rules. You agree that, unless expressly waived by us, the exclusive jurisdiction for any claim or action arising out of or relating to these TOU or your use of BMCC Insurance shall be in the courts located in the State of California, Los Angeles County, and you further agree and submit to the exercise of personal jurisdiction of such courts for the purpose of litigating any such claim or action. You agree to receive service of process through e-mail, certified mail or by other means sanctioned by law, and you expressly waive any claim of improper venue and any claim that such courts are an inconvenient forum. You also agree that in the event of any action to enforce or interpret these TOU, the prevailing party shall be entitled to collect its reasonable attorneys’ fees. SEVERABILITY If any of provision of these TOU shall be deemed invalid, void or for any other reason unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of the balance of these TOU. MISCELLANEOUS The failure of BMCC Insurance to exercise or enforce any right or provision of this TOU shall not operate as a waiver of such right or provision. The section titles in this TOU are for convenience only and have no legal or contractual effect. This TOU operates to the fullest extent permissible by law. CONTACT US If you have any questions regarding these TOU, please contact us at: bmcc@bmccinsurance.com.

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