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Acknowledgement and Acceptance of Terms
William J. Kamm & Sons, Inc. (referred to as "us" or "we") provides the www.wjk.com site (the
"Site") subject to your compliance with all the terms, conditions, and notices contained or
referenced herein (the "Terms of Use"). In addition, when using particular services on the Site,
users shall be subject to any posted guidelines or rules applicable to such services that may
contain terms and conditions in addition to those in the Terms of Use. By using any feature on the
Site, you are acknowledging your consent to the Terms of Use. If you do not wish to be bound by the
Terms of Use, please exit the Site now.
We reserve the right to change the Terms of Use from time to time without notice to you. You
acknowledge and agree that it is your responsibility to review the Site and the Terms of Use
periodically to learn of any modifications. Your continued use of the Site after the posting of
any modifications shall constitute your agreement to be bound by such modified Terms of Use. All
insurance products referred to in this Web site are subject to availability and qualifications.
Other terms, conditions and exclusions may apply. Not all products and services are available in
all geographic areas. Your eligibility for particular products and services is subject to final
determination and acceptance by us.
We may modify, suspend, discontinue or restrict the use of the Site, any portion thereof or any
content at any time with or without notice to you. As used in the Terms of Use, "content" shall
mean any information, communication, software, photos, video, graphics, music, sounds, and other
material and services that can be viewed by users on the Site.
Use of Site
Your use of the Site is subject to all applicable laws and regulations. We authorize you to view
or download a single copy of the Site content solely for your personal, noncommercial use. You may
not copy, reproduce, sell, publish, transmit, modify, display, repost, hyperlink or otherwise use
or distribute any portion of the content for public or commercial purposes and you are solely
responsible for obtaining permission before reusing any copyrighted material or any trademark or
trade name that is available on the Site. Not all areas of the Site may be available to you. You
may not interfere with anyone else's use of the Site. Any unauthorized use of the Site content may
violate copyright, trademark and other applicable laws and could result in criminal or civil
penalties.
Not Intended for Use by Minors
The Site is not intended or designed for children under the age of 18. We will not knowingly collect
information from users in this age group.
User Submissions
If you make any submission to us, you agree that you will not send or transmit any communication
or content that (i) is defamatory, indecent, harassing or otherwise objectionable; (ii) infringes
or violates any rights of any party; or (iii) contains a virus or corrupted data.
All e-mail and other correspondence that you submit to us shall become our sole and exclusive
property.
If you submit any business information, idea, concept or invention to us, such submission shall
be considered (i) non-confidential; and (ii) our sole and exclusive property. We will have no
obligation of any kind with respect to the submission and we will be free to use or further
transmit such submission for any purpose.
Disclaimer of Warranties and Limitation of Liability
THE SITE AND CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY
KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, CURRENTNESS, FREEDOM FROM INTERRUPTION
OR VIRUSES, AND NON-INFRINGEMENT.
IN NO EVENT SHALL WE OR OUR OFFICERS, MANAGERS, MEMBERS, EMPLOYEES, AGENTS, LICENSORS OR CONTENT
PROVIDERS (OUR "AFFILIATES") BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, INDIRECT,
CONSEQUENTIAL, SPECIAL, INCIDENTAL OR PUNITIVE DAMAGES, RESULTING FROM THE USE OR INABILITY TO USE
THE SITE OR THE CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND
WHETHER OR NOT WE OR OUR AFFILIATES ARE ADVISED ON THE POSSIBILITY OF SUCH DAMAGES.
Insurance quotes/coverages. Changes to coverage
None of the information contained on the Site or communications through the Site should be viewed
as an offer to sell or purchase or as a solicitation to sell or purchase any of our products or
services. Rather, the information on our products and services is provided to you so that you can
learn what products we generally offer. We may make improvements and/or changes in the products,
services and/or programs described on the Site at any time without notice.
At this time, on-line quotes may not be available at all or may not be available for all states or
provinces, products, services or coverage selections. All quotes, if any, generated by the Site are
estimates based upon the information you provided and are not a contract, binder, or agreement to
extend insurance coverage. Any coverage descriptions provided on the Site are general descriptions
of available coverages and are not a statement of contract. To obtain coverage you must submit an
application to us. All applications are subject to underwriting approval. Coverages and availability
may vary by state or province; and additional minimum coverage limits may be available in your
state.
Your coverage may not be changed, amended, modified, terminated, or supplemented via the Site.
Links
We may provide links to third-party websites. We do not recommend or endorse the content of any
third-party websites. We are not responsible for the content of linked third-party websites and we do
not make any representations regarding their content or accuracy. Your use of third-party websites is
at your own risk and subject to the terms and conditions of use for such website.
Termination and Indemnity
You agree that we may, at any time, and at our sole discretion, terminate your account or suspend or
prohibit your access to the Site without prior notice to you for violating any of the Terms of Use or
for any other reason whatsoever.
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