LAST UPDATED: JULY 16, 2015

Welcome to this website, which is sponsored by SullivanCurtisMonroe Insurance Services, LLC and/or its affiliated entities and subsidiaries (referred to collectively herein, as “SCM”). This website provides its information and services to you subject to the following terms of use (the “Terms of Use”). These Terms of Use apply to the entire contents of the Website available at the domain name sullivancurtismonroe.com, and/or any domain alias, together with any other affiliated website of SCM (the “Website”), together with any correspondence by e-mail between us and you. Please read these Terms of Use carefully before using the Website. Using the Website indicates that you accept these Terms of Use in full. If you do not accept these Terms of Use in full, please immediately refrain from use of the Website.

Privacy Policy Together with these Terms of Use, please also review our Privacy Notice, which also governs your visit to the Website.

Electronic Communications

When you visit the Website, or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on the Website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Copyright

All content included on the Website, including without limitation, text, graphics, logos, button icons, audio clips, digital downloads, data compilations, and software, is the intellectual property of SCM, or its content suppliers and licensors, and is protected by United States and/or international copyright laws. The compilation of content on the Website is the exclusive property of SCM and is protected by United States and international copyright laws. All software used on this site is the property of SCM and its affiliates, or its software suppliers and licensors, and is protected by United States and international copyright laws.

Trademarks

“SCM”, “SullivanCurtisMonroe” “SullivanCurtisMonroe Insurance Services” and other marks, graphics, logos, page headers, button icons, and service or trade names featured on our site are trademarks of SCM, or the site’s content providers and licensors. These trademarks may not be used in connection with any third party product or service in any manner that is likely to cause confusion among clients or customers, or in any manner that disparages or discredits SCM and its subsidiaries and affiliates. All trademarks not owned by SCM that appear on this site are the property of their respective owners.

License and Site Access

SCM grants you a limited license to access and make personal use of the Website, and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of SCM. This license does not include any resale or commercial use of this site or its contents; any collection and use of any product or services listings, descriptions, or prices; any derivative use of this site or its contents; any downloading or copying of information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools. The Website, or any portion of this site, may not be reproduced, duplicated, copied, sold, or otherwise exploited for any commercial purpose without the express written consent of SCM. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of SCM, without express written consent from SCM. You may not use any metatags or any other “hidden text” utilizing SCM trademarks, the name of any of its affiliated entities without the express written consent of SCM. Any unauthorized use terminates this limited license granted by SCM. You are granted a limited, revocable, and non-exclusive right to create a hyperlink to any publically facing page of the Website so long as the link does not portray SCM or SCM products or services, in a false, misleading, derogatory, or otherwise offensive manner. You may not use any of SCM’s logos or other proprietary graphics or trademarks as part of the link without express written permission. Any rights not expressly granted in these Terms of Use are reserved.

Reviews, Comments, Communications, and Other Content

Visitors may post comments and other content; send communications; and submit suggestions, ideas, comments, questions, or other information, so long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of “spam.” You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a communication or other content. SCM reserves the right (but not the obligation) to remove or edit such content, but does not regularly review posted content. If you do post content or submit material, and unless we indicate otherwise, you grant SCM, its subsidiaries, and its affiliates, a non-exclusive, royalty-free, perpetual, irrevocable, and fully sub-licensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You grant SCM, its subsidiaries, its affiliates, and its sub-licensees the right to use the name that you submit in connection with such content, if they choose. You represent and warrant that you own or otherwise control all of the rights to the content that you post; that the content is accurate; that use of the content you supply does not violate this policy and will not cause injury to any person or entity; and that you will indemnify SCM, its subsidiaries, and its affiliates for all claims resulting from content you supply. SCM has the right, but not the obligation, to monitor and edit or remove any activity or content. SCM takes no responsibility, and assume no liability, for any content posted by you or any third party.

Accuracy of Information

SCM attempts to be as accurate as possible with respect to information on the Website, however, SCM does not warrant that the content of the Website is accurate, complete, reliable, current, or error-free.

Disclaimer of Warranties and Limitation of Liability

THIS SITE IS PROVIDED BY SCM ON AN “AS IS” “WHERE IS” AND “AS AVAILABLE” BASIS. SCM MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE WEBSITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THE WEBSITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THE WEBSITE IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, SCM DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. SCM DO NOT WARRANT THAT THE SITE, ITS SERVERS, OR E-MAIL SENT FROM DOMAINS OF THE WEBSITE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. SCM WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THE WEBSITE, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Applicable Law

By visiting the Website, you agree that the laws of the state of California, without regard to principles of conflict of laws, will govern these Terms of Use and any dispute of any sort that might arise between you and SCM.

Disputes

Any dispute relating in any way to your visit to the Website shall be submitted to confidential arbitration in Santa Ana, California, except that, to the extent you have in any manner violated or threatened to violate the intellectual property rights of SCM, SCM may seek injunctive or other appropriate relief in any state or federal court in the state of California, and you consent to exclusive jurisdiction and venue in such courts. Arbitration under this agreement shall be conducted under the rules then prevailing of the American Arbitration Association. The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise.

Changes to Our Terms of Use

It is our policy to post any changes we make to our Terms of Use on this page with a notice that the Terms of Use has been updated on the Website. If we make material changes to these Terms of Use, we will endeavor to notify you by e-mail to the primary e-mail address specified in your account, and/or through a notice on the Website. The date these Terms of Use was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable e-mail address for you, and for periodically visiting our Website and these Terms of Use to check for any changes.

Terms of Use; Privacy Policy

If you choose to visit the Website, your visit and any dispute is subject to our Privacy Policy and Terms of Use, including limitations on damages, arbitration of disputes, and application of the law of the state of California.

Contact Information

To ask questions or comment about these Terms of Use or any of our practices with respect to this Website, contact us at:

By E-mail: information@sullicurt.com;

By mail: 1920 Main Street, Ste. 600, Irvine, CA 92614;

or via our toll-free number:(800) 427-3253.