Our agency makes reasonable efforts to present accurate and reliable information on our website. However, we are not responsible for any errors in or omissions from the information contained in or accessed through this Site, nor for the timeliness of the information. The information in this Site is not intended to provide specific advice about individual legal, business or other questions, and it is not a substitute for users’ independent research and evaluation of any issue. If specific legal or other expert advice is required or desired, the services of an appropriate, competent professional should be sought. All of the information in this web site is provided “as is” without warranty of any kind whatsoever. We make no representations of any kind whatsoever and disclaim all express, implied, statutory or other warranties of any kind whatsoever to the user and/or any other party, including, without limitation, any warranties of accuracy, timeliness, completeness, efficacy, merchantability, and fitness for any particular purpose. Our agency shall have no tort, contract or any other liability to users of this Site and/or to any other party. We shall not be liable to users and/or any other party for any lost profits or lost opportunities, or any indirect, special, consequential, incidental or punitive damages whatsoever, even if we have been advised of the possibility of such damages. Hyperlinks Are Not Endorsements.
Links to other Websites, or references to products, services or publications, other than those of our agency at this Site, do not imply our endorsement or approval of such Websites, products, services or publications, nor are such links or references any indication that we have received specific authorization to provide these links or references. We do not endorse, approve, certify or control any external Websites, and we are not responsible for the accuracy, timeliness, completeness, efficacy, merchantability, fitness for any particular purpose or correct sequencing of information located at such sites. Rather, the links on this Site to other Websites are provided solely as a convenience to users of this Site.
Notice of Copyright Ownership
The works of authorship including, but not limited to, all design, text, images, and sounds, contained in this Site (individually and collectively “Publications”), are owned by this agency, except as otherwise expressly stated. The Publications may not be copied, reproduced, transmitted, displayed, performed, distributed, rented, sublicensed, altered, stored for subsequent use or otherwise used in whole or in part (individually and collectively “Reproduced”) in any manner without our agency’s prior written consent, except to the extent that such use constitutes “fair use” under the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and except for one temporary copy in a single computer’s memory and one unaltered permanent copy to be used by the viewer for personal and non-commercial use only, with an attached copy of this Disclaimer Notice. Some of the works of authorship on the Site were provided under license from other entities with all rights reserved. You may provide a hypertext link to this Site on another Website, provided that: (a) the link must be a text-only link and clearly marked as a link to our site, listing our agency’s name entirely. (b) the link must “point” to the URL “index.html” page, and not to other pages within the Site; (c) the appearance, position and other aspects of the link may not be such as to damage or dilute the goodwill associated with our name and trademarks; (d) the appearance, position and other aspects of the link may not create the false appearance that an entity, product, service or work of authorship is associated with, sponsored by or endorsed by our agency; (e) the link, when activated by a user, must display this Site full-screen and not within a “frame” on the linked Website; and (f) we reserve the right to revoke its consent to the link at any time, for any reason, in its sole discretion. If you are interested in obtaining a license to reproduce one or more of our publications, please contact us at the phone number or e-mail address provided within our pages.
Some U.S. states and foreign countries provide rights in addition to those above or do not allow the exclusion or limitation of implied warranties or liability for incidental or consequential damages. Therefore, the above limitations may not apply to you, or there may be state provisions which supersede the above. Any clause of this Disclaimer Notice declared invalid by the appropriate authority shall be deemed severable and shall not affect the validity or enforceability of the remainder of this Disclaimer Notice.
Notice of Privacy
Our agency makes every possible effort to maintain your complete and absolute privacy while using our web site. Your personal information will never be shared with others, sold or given to any other entity for marketing purposes, or passed on to third parties for any other reason. We ask as little personal information possible to prepare insurance quotations. If information is ever viewed by another party it is purely accidental, and in using our site, you release us from liability should this information be retrieved, downloaded, or viewed against our wishes, and contrary to privacy rules and laws. We shall not be held liable for any fraudulent, dishonest, or criminal acts of others who view or steal
Authorization of Use
Vermost Insurance Agency hereby authorizes any person to access this Website for informational purposes only. Vermost Insurance Agency reserves the right to terminate access to this Website at any time without notice. The data, information and material included in this Website is copyrighted by Vermost Insurance Agency. All rights are reserved under the copyright laws of the United States of America. No part of this Website can be redistributed, copied or reproduced without the prior written consent of Vermost Insurance Agency.
The user of this Website assumes all responsibility and risk for the use of this Website and the Internet generally. Vermost Insurance Agency, and its affiliated companies disclaim all warranties, representations or endorsements, expressed or implied, with regard to the data, information and material included in, or accessible from, this Website or the Internet, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose or noninfringement. Vermost Insurance Agency and its affiliated companies have the right to discontinue, change or update any data, information or material included in the Website without prior notice, and they do not assume any legal liability or responsibility for the accuracy, completeness or usefulness of any data, information or material included in, or accessible from, this Website. No advice or information given by Vermost Insurance Agency or its affiliated companies shall create any warranty. Neither Vermost Insurance Agency nor its affiliated companies warrants that the data, information and material included in the Website or on the Internet will be uninterruptible or error free or that any data, information, software or other material accessible from this Website is free of viruses or other harmful components. Several of our pages describe various insurance products. The availability of a specific product may differ from state to state. The product descriptions are general in nature and the insurance coverages are subject to the specific terms of the actual policies issued. If you are interested in the terms and conditions of a specific product, please contact us for additional information.
Disclaimer of Liability
In no event shall Vermost Insurance Agency or its affiliated companies be liable for any compensatory, special, direct, incidental, indirect, or consequential damages, exemplary damages or any damages whatsoever resulting from loss of use, data, information or profits arising out of or in connection with the use or performance of the data, information or material included in this Website or on the Internet generally or on any other basis.
Disclaimer for Links
Although this site includes links providing direct access to other Internet sites, Vermost Insurance Agency and its affiliated companies take no responsibility for the content or information contained on those other sites, and does not exert any editorial or other control over those other sites.
Vermost Insurance Agency will not be deemed to have accepted any electronic communication unless Vermost Insurance Agency provides the sender of the electronic communication with an acknowledgment verifying receipt of the communication. If Vermost Insurance Agency sends any electronic communication, Vermost Insurance Agency will assume the communication was received intact by the intended recipient. The recipient of such message must notify Vermost Insurance Agency if the transmission was not received or was not received in a readable format.
Despite the security measures taken by Vermost Insurance Agency, there is an inherent risk in disclosing personal information over the Internet. Anyone electronically transmitting personal information assumes the risk that such information may be disclosed or intercepted by unintended third parties and Vermost Insurance Agency disclaims all liability resulting from such interception or disclosure. Anyone who wishes to apply for an insurance quote who is concerned about maintaining the security of their personal information may mail the information to Vermost Insurance Agency.
Vermost Insurance Agency is committed to protecting your privacy as a visitor to this Website and as our customer. To our visitors and to our customers, we offer this pledge:
We will ask you to provide your personal information to us when you enroll for coverage and when you purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send e-mail to us from this Website or when you complete a web form requesting personal identifiable information. When you enroll for an insurance policy at Vermost Insurance Agency, we will ask you to provide your name, home address, mailing address, telephone number and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy so they can establish you as a policyholder. We will maintain a record of your information at the offices of Vermost Insurance Agency, so we can provide you with policyholder service. The employees of Vermost Insurance Agency are each required to sign and acknowledge a Confidentiality and Nondisclosure Agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer’s personal information.
When you purchase an insurance policy from Vermost Insurance Agency, you will pay the premiums with your credit card or personal check. If you use your credit card to pay the premium, your credit card information is deleted from our records after your purchase has been authorized. A transaction number will be provided to you on your Binder of Insurance. You may use this transaction number as a reference to the credit card purchase. We do not keep a record of your credit card information. If you pay the premium using your personal check, we will keep a copy of your check in your file.
When you send us e-mail from this Website or complete forms on this Website, you will provide us with certain personally identifiable information including your e-mail address. We may share this information with third parties who provide us services in the normal course of business including, but not limited to, insurance carriers and their affiliates.
We transmit non-personally identifiable information to third party service providers (e.g. Google) that collect website statistics. We may also transmit non-personally identifiable information to third party service providers that may use such information during your visits to this and other websites in order to provide advertisements about goods and services likely to be of greater interest to you.
The cookie expires and is deleted from the visitor’s computer as soon as they close their browser or if they are not actively browsing our Website for more than 20 minutes. Should a previous visitor to our Website return for a new session, they will be issued a new cookie and in no way will they be recognized as a visitor from a previous visit or session.
This Website may contain links to third-party Websites that are not controlled by Vermost Insurance Agency. These third-party links are made available to you as a convenience and you agree to use these links at your own risk.
The Vermost Insurance Agency logo, and other marks, including the names of various products and services described within and offered by companies represented by Vermost Insurance Agency and its subsidiaries are service marks of these companies.
Permission to use, copy and distribute these materials without fee is hereby granted, for non-commercial purposes, provided that the material is unaltered and Vermost Insurance Agency copyright notice appears in all copies.
Use of this site shall be governed by and construed in accordance with the laws of our state of business, without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in our state of business.
Should any provision of our terms and conditions be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.