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Legal Disclaimer
These
terms were last updated on February 16, 2008.
PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE
USING THIS WEB SITE.
These terms of use ("Legal Terms") describe the
terms and conditions applicable to your access and
use of the Flavio Ortiz Insurance Agency web site
(the "Web Site"). By using this Web Site, you are
accepting and agreeing to these Legal Terms. If you
do not agree to all of these Legal Terms, do not use
this Web Site.
Flavio Ortiz Insurance Agency may modify this Web
Site and the rules and regulations governing its
access and use, at any time. Any modification will
be included in these Legal Terms, so please check
back when you use the Web Site. By continuing use of
the Web Site after such changes are posted, you will
be deemed to have accepted such changes.
Scope of Use
Flavio Ortiz Insurance Agency invites you to view,
use and download small portions of the content
(including without limitation text, graphics,
software, audio and video files and photos) of this
Web Site for your informational, non-commercial use,
provided that you leave all the copyright notices or
other proprietary notices intact. You may not store,
modify, reproduce, transmit or distribute a
significant portion of the content on this Web Site,
or the design or layout of the Web Site or
individual sections of it, in any form or media. The
commercial use, reproduction, transmission or
distribution of any information, software or other
material available through the Web Site without the
prior written consent of Flavio Ortiz Insurance
Agency is strictly prohibited.
You understand that Flavio Ortiz Insurance Agency
may, at any time, for any reason and without notice,
discontinue, change or restrict your use of this Web
Site and make changes in the products and/or
services described in this Web Site.
By using this Web Site, you represent that you are
at least 18 years old and are a United States
resident. If you are under 18 or not a U.S.
resident, do not use this Web Site.
Eligibility for Insurance Products and Services
Not all of the products or services described on
this Web Site are available in all geographic areas
of the United States. You may not be eligible for
all of the insurance products or services described
in this Web Site. The insurance companies reserve
the right to determine all eligibility for such
products or services in its sole discretion. No
Professional Advice.
The information available on the Web Site is
intended to be a general information resource
regarding the matters covered, but is not offered as
legal, accounting or other professional advice, and
is not tailored to your specific circumstance. YOU
SHOULD EVALUATE ALL INFORMATION, OPINIONS AND ADVICE
AVAILABLE ON THIS WEB SITE IN CONSULTATION WITH YOUR
INSURANCE SPECIALIST.
No Warranties
The web site, any content, opinions or advice on the
web site, and any products or services available
through the web site (collectively, "materials") are
provided to you on an "as is" "as available" basis
without warranty of any kind either express or
implied, including but not limited to any implied
warranties of merchantability, fitness for a
particular purpose, quiet enjoyment, systems
integration, accuracy, and non-infringement. These
materials include online calculators available
through the web site. The Flavio Ortiz insurance
agency, does not endorse and makes no warranty as to
the accuracy, completeness, currency, or reliability
of the materials. Flavio Ortiz insurance agency
makes no representations or warranties that use of
the materials will be uninterrupted or error-free.
You are responsible for taking all necessary
precautions to ensure that any materials you may
obtain are free of viruses or any other harmful
components. This warranty disclaimer may be
different in connection with specific products and
services offered by Flavio Ortiz insurance agency.
Some states do not allow the disclaimer of implied
warranties, so the foregoing disclaimer may not
apply to you. You may also have other legal rights
that vary from state to state.
Limitation of Liability
Your use of the materials is at your own risk.
Flavio Ortiz insurance agency specifically disclaims
any liability, whether based in contract, tort,
negligence, strict liability or otherwise, for any
direct, indirect, incidental, consequential, or
special damages arising out of or in any way
connected with access to, use of or reliance on the
materials (even if Flavio Ortiz insurance agency has
been advised of the possibility of such damages) or
that arise in connection with mistakes or omissions
in, or delays in transmission of, information to or
from the user, interruptions in telecommunications
connections to the web site or viruses, whether
caused in whole or in part by negligence, acts of
god, telecommunications failure, theft or
destruction of, or unauthorized access to the web
site or the materials. This limitation of liability
may be different in connection with specific
products and services offered by Flavio Ortiz
insurance agency. Some states do not allow the
limitation of liability, so the foregoing limitation
may not apply to you.
Copyright
This Web Site is protected by U.S. and foreign
copyright laws. Except as expressly provided under
"Scope of Use" section above, you may not use,
reproduce, modify, transmit, distribute, publicly
display or perform this Web Site without Flavio
Ortiz Insurance Agency prior written permission.
Visitor Submissions
By providing information or materials to this Web
Site (other than personal information subject to
Flavio Ortiz Insurance Agency Privacy Policy), you
grant to Flavio Ortiz Insurance Agency an
unrestricted, irrevocable, worldwide, royalty-free
license to use, reproduce, display, publicly
perform, and transmit such information and materials
for any purpose, including without limitation,
disclosing any such information and materials as
necessary to satisfy any law, regulation, or
governmental request. You agree not to submit or
transmit any e-mails or materials through the Web
Site that (i) are defamatory, threatening, obscene
or harassing, (ii) contain a virus, worm, Trojan
horse or any other harmful component, (iii)
incorporate copyrighted or other proprietary
material of any third party without that party's
permission or (iv) otherwise violate any applicable
laws. Flavio Ortiz Insurance Agency shall not be
subject to any obligations of confidentiality
regarding any information or materials that you
submit except as specified in Flavio Ortiz Insurance
Agency Privacy Policy, as set forth in any
additional terms and conditions relating to specific
products or services, or as otherwise specifically
agreed or required by law.
Third-Party Services
Certain commercial services, such as mortgage and
auto loan services, are offered by third parties
through this Web Site. Flavio Ortiz Insurance Agency
is not and will not be responsible for (i) the terms
and conditions of any transaction between you and
any such third party, (ii) any insufficiency of or
problems with any such third party's background,
insurance, credit or licensing, (iii) the quality of
services performed by any such third party or (iv)
any other legal liability arising out of or related
to the performance of such services. Because we are
not involved in the actual transaction between you
and any such third party, in the event you have a
dispute with any such third party, you release
Flavio Ortiz Insurance Agency and its affiliates,
agents, and employees from any and all claims
arising out of or in any way connected with such
disputes. If you are a Iowa resident, you
waive the Iowa Civil Code § 1542, which says:
"A general release does not extend to claims which
the creditor does not know or suspect to exist in
his favor at the time of executing the release,
which if known by him must have materially affected
his settlement with the debtor."
Links
Flavio Ortiz Insurance Agency offers links to other
web sites operated by other entities as a
convenience to you. Flavio Ortiz Insurance Agency
makes no representation regarding the content or
accuracy of any web site that you may access through
this one. Flavio Ortiz Insurance Agency does not
monitor and is not responsible for the content found
on other web sites that are linked from this Web
Site. Inclusion of these links on Flavio Ortiz
Insurance Agency Web Site does not imply
endorsement, recommendation or sponsorship for any
linked web site or the services, products or advice
described on the site. The views, opinions,
statements, offers or other information or content
expressed therein are those of the respective
author(s) or distributor(s) and not Flavio Ortiz
Insurance Agency.
Unless otherwise set forth in a written agreement
between you and a member of Flavio Ortiz Insurance
Agency, you must adhere to Flavio Ortiz Insurance
Agency linking policy as follows: (i) any link to
the Web Site must be a text only link clearly marked
"flavioortiz.com," (ii) the appearance, position and
other aspects of the link may not be such as to
damage or dilute the goodwill associated with Flavio
Ortiz Insurance Agency names and trademarks, (iii)
the link must "point" to the URL (www.flavioortiz.com)
and not to other pages within the Web Site, (iv) the
appearance, position and other attributes of the
link may not create the false appearance that your
organization or entity is sponsored by, affiliated
with, or associated with Flavio Ortiz Insurance
Agency, (v) when selected by a user, the link must
display the Web Site on full-screen and not within a
"frame" on the linking web site, and (vi) Flavio
Ortiz Insurance Agency reserves the right to revoke
its consent to the link at any time and in its sole
discretion.
E-mail
E-mail submissions over the Internet may not be
secure and are subject to the risk of interception
by third parties. Please consider this fact before
e-mailing any personal or confidential information.
Violations and Additional Policies
Flavio Ortiz Insurance Agency reserves the right to
seek all remedies available at law and in equity for
violations of the rules and regulations set forth in
this Web Site, including the right to block access
from a particular Internet address to the Web Site.
The policies regarding privacy are
incorporated into these Legal Terms by reference.
Flavio Ortiz Insurance Agency does not intend to
market any products or services to children and does
not knowingly collect personal information from
children under the age of 13 through this Web Site.
Governing Law, Location and Miscellaneous
These Legal Terms shall be governed in all respects
by the laws of the State of Iowa USA, without
reference to its choice of law rules. The Web Site
is operated by Flavio Ortiz Insurance Agency, on
behalf of the Flavio Ortiz Insurance Agency from its
offices in Urbandale, Iowa. Flavio Ortiz
Insurance Agency makes no representation that the
content of this Web Site is appropriate or available
for use in other locations, and access to this Web
Site from territories where the content of this Web
Site may be illegal is prohibited. Those who choose
to access this Web Site from other locations do so
on their own initiative and are responsible for
compliance with applicable local laws. These Legal
Terms and all documents incorporated herein by
reference constitute the entire agreement between
Flavio Ortiz Insurance Agency and you with respect
to this Web Site.
Arbitration
Any controversy or claim arising out of or relating
to these Legal Terms or this Web Site shall be
settled by binding arbitration in accordance with
the commercial arbitration rules of the American
Arbitration Association. Any such controversy or
claim shall be arbitrated on an individual basis,
and shall not be consolidated in any arbitration
with any claim or controversy of any other party.
The arbitration shall be conducted in Urbandale,
Iowa, and judgment on the arbitration award
may be entered into any court having jurisdiction
thereof.
Disclosures
The insurance products and services are offered by
the Flavio Ortiz Insurance Agency insuring entities,
located at 6800 Douglas Ave., Urbandale,
Iowa. If you are an Iowa resident, you
may have the same information e-mailed to you by
sending a letter to the foregoing address with your
e-mail address and a request for this information.
The District Manager office of the Iowa may be
contacted in writing at 5414 NW 88th Street, Suite
140, Johnston, IA 50131 or by telephone at (515)
276-6055. |
