Terms of Use

Update 5/7/2013

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW WITHOUT LIMITATION OR QUALIFICATION. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS AND CONDITIONS POSTED TO THIS WEBSITE FROM TIME TO TIME. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS WEBSITE.

Unauthorized use of Abacus Insurance Brokers, Inc. websites and systems, including but not limited to unauthorized entry into Abacus' systems, misuse of passwords, or misuse of any information posted to a site, is strictly prohibited.

You acknowledge that Abacus may disclose and transfer any information that you provide through this website to (i) any company within the Abacus group, affiliated insurance companies, agents or information providers; (ii) to any other person or entity with your consent; or (iii) if we have a right or duty to disclose or are permitted or compelled to so disclose such information by law. By using and providing information through this website you agree to such transfers. Use of this website, including any patterns or characteristics concerning your interaction with it, may be monitored, tracked and recorded. Anyone using this website expressly consents to such monitoring, tracking and recording.

You agree not to attempt to log on to the website from any country under sanctions by the Office of Foreign Assets Control (OFAC). Information regarding which countries are under sanctions may be obtained on the U.S. Department of the Treasury website. Any attempt to log on to the website from one of these countries may result in your access being restricted and/or terminated.

Limitation of Liability

While Abacus uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. To the fullest extent permissible pursuant to applicable law, Abacus makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall Abacus or any party involved in creating, producing, or delivering this website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Abacus or Abacus authorized representative has been advised of the possibility of such damages. Abacus assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in this website or your downloading of any materials, data, text, images, video, or audio from this website.

Copyright Notices

The works of authorship contained in the website including but not limited to all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by Abacus Insurance Brokers, Inc. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without Abacus' prior written consent.

Trade Names, Trademarks and Copyrights

Abacus and related logos, concepts, graphics, copy and designs are the property of Abacus and/or its subsidiaries or affiliates. Nothing contained on this website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of Abacus. Your use of the displays on this website, or any other content on this website, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of, or used with the permission by Abacus. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by Abacus. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Ownership of Information

Any information, other than personal data or information you transmit to Abacus via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of Abacus. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Abacus is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Abacus via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

Potential Disruption of Service

Access to the website may from time to time be unavailable, delayed, limited or slowed due to, among other things:

  • Hardware failure, including among other things failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment
  • Software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content
  • Overload of system capacities
  • Damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters
  • Interruption (whether partial or total) of power supplies or other utility of service
  • strike or other stoppage (whether partial or total) of labor
  • Governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention
  • Any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of Abacus.

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