Terms & Conditions

We are Intermarq Agency LLC, doing business as Intermarq Insurance Agency LLC ("Company," "we," "us," "our"). We operate the website https://intermarqinsuranceagency.com (the "Site"), as well as any other related products and services that refer or link to these legal terms (the "Legal Terms") (collectively, the "Services"). You can contact us by phone at (+1) 888-213-3537, email at [email protected], or by mail to 456 South Kenmore Avenue # 9, Los Angeles, CA 90020, United States.

These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and Intermarq Agency LLC, concerning your access to and use of the Services. By accessing the Services, you agree that you have read, understood, and agreed to be bound by all of these Legal Terms. If you do not agree, you must discontinue use immediately. We may modify these Legal Terms at any time; the "Last updated" date above reflects the current version, and your continued use after a revision means you accept the changes.

1. Our services

The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. Those who choose to access the Services from other locations do so on their own initiative and are responsible for compliance with local laws where applicable.

2. Intellectual property rights

Our intellectual property. We are the owner or licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks"). Our Content and Marks are protected by copyright and trademark laws around the world and are provided "as is" for your personal, non-commercial use or internal business purpose only.

Your use of our Services. Subject to your compliance with these Legal Terms, including the Prohibited Activities section below, we grant you a non-exclusive, non-transferable, revocable license to access the Services, and to download or print a copy of any portion of the Content to which you have properly gained access, solely for personal, non-commercial use or internal business purpose. Except as set out here, no part of the Services and no Content or Marks may be copied, reproduced, republished, uploaded, posted, transmitted, distributed, sold, or otherwise exploited for any commercial purpose without our express prior written permission. We reserve all rights not expressly granted to you. Any breach of these Intellectual Property Rights will constitute a material breach of these Legal Terms and terminate your right to use the Services immediately.

Your submissions. By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ("Submissions"), you agree to assign to us all intellectual property rights in that Submission, and that we may use and disseminate it for any lawful purpose without compensation to you. You are solely responsible for what you submit and confirm you have the rights to submit it, that it is not confidential, and that it does not violate the Prohibited Activities section below.

3. User representations

By using the Services, you represent and warrant that: (1) you have the legal capacity and agree to comply with these Legal Terms; (2) you are not a minor in the jurisdiction in which you reside; (3) you will not access the Services through automated or non-human means, whether through a bot, script, or otherwise; (4) you will not use the Services for any illegal or unauthorized purpose; and (5) your use of the Services will not violate any applicable law or regulation. If you provide information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any current or future use of the Services.

4. Prohibited activities

You may not access or use the Services for any purpose other than that for which we make them available. As a user, you agree not to:

• Systematically retrieve data from the Services to create or compile a collection, compilation, database, or directory without our written permission.
• Trick, defraud, or mislead us or other users, particularly in any attempt to learn sensitive account information.
• Circumvent, disable, or interfere with security-related features of the Services.
• Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.
• Use information obtained from the Services to harass, abuse, or harm another person.
• Make improper use of our support services or submit false reports of abuse or misconduct.
• Use the Services in a manner inconsistent with any applicable laws or regulations.
• Engage in unauthorized framing of or linking to the Services.
• Upload or transmit viruses, Trojan horses, or other material that interferes with the Services' operation, including excessive use of capital letters or spamming.
• Engage in any automated use of the system, including scripts, data mining, robots, or similar data gathering tools.
• Delete the copyright or other proprietary rights notice from any Content.
• Attempt to impersonate another user or person or use another user's username.
• Upload or transmit any passive or active information collection mechanism, including 1x1 pixels, web bugs, or other spyware devices.
• Interfere with, disrupt, or create an undue burden on the Services or connected networks.
• Harass, annoy, intimidate, or threaten any of our employees or agents.
• Attempt to bypass any measures designed to prevent or restrict access to the Services.
• Copy or adapt the Services' software, including HTML, JavaScript, or other code.
• Except as permitted by law, decipher, decompile, disassemble, or reverse engineer any software making up the Services.
• Use, launch, or distribute any automated system, including any spider, robot, scraper, or offline reader, other than standard search engine or browser usage.
• Use a buying or purchasing agent to make purchases on the Services.
• Make any unauthorized use of the Services, including collecting usernames or emails by electronic means for unsolicited email, or creating accounts by automated means or false pretenses.
• Use the Services as part of any effort to compete with us, or for any revenue-generating endeavor or commercial enterprise not endorsed by us.

5. Services management

We reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who violates the law or these Legal Terms, including reporting to law enforcement; (3) refuse, restrict, or disable access to any of your Contributions; (4) remove content that is excessive in size or burdensome to our systems; and (5) otherwise manage the Services to protect our rights and property and facilitate their proper functioning.

6. Term and termination

These Legal Terms remain in full force while you use the Services. We reserve the right to deny access to and use of the Services, without notice or liability, to any person for any reason, including breach of any representation, warranty, or covenant in these Legal Terms or of any applicable law. If we terminate or suspend your account, you are prohibited from registering a new account under your name, a fake name, or a third party's name.

7. Modifications and interruptions

We reserve the right to change, modify, or remove the contents of the Services at any time without notice, and are not liable for any modification, suspension, or discontinuance. We cannot guarantee the Services will be available at all times and may experience interruptions for maintenance or other reasons; we have no liability for any loss caused by downtime or discontinuance.

8. Governing law

9. Dispute resolution

Informal negotiations. To expedite resolution and control cost, the parties agree to first attempt to negotiate any dispute informally for at least [ NUMBER ] days before initiating arbitration, commencing upon written notice from one party to the other.

Binding arbitration. Any dispute arising out of or in connection with these Legal Terms shall be referred to and finally resolved by binding arbitration. [ ARBITRATION BODY, SEAT, NUMBER OF ARBITRATORS, LANGUAGE, AND GOVERNING LAW TO BE CONFIRMED ].

Restrictions. Any arbitration is limited to the dispute between the parties individually. No arbitration will be joined with any other proceeding, brought on a class-action basis, or brought in a representative capacity on behalf of the general public.

Exceptions. Disputes seeking to enforce or protect intellectual property rights, disputes concerning theft, piracy, invasion of privacy, or unauthorized use, and claims for injunctive relief are not subject to informal negotiation or arbitration and may be brought in a court of competent jurisdiction.

10. Corrections

There may be information on the Services that contains typographical errors, inaccuracies, or omissions. We reserve the right to correct any errors and update information at any time without prior notice.

11. Disclaimer

The Services are provided on an as-is and as-available basis. Your use is at your sole risk. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We assume no liability for errors or inaccuracies in content, personal injury or property damage resulting from your use, unauthorized access to our servers, interruption of transmission, or bugs or viruses transmitted through the Services. We do not endorse or assume responsibility for any product or service advertised by a third party through the Services or any linked website.

12. Limitations of liability

In no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, or loss of data, arising from your use of the Services, even if advised of the possibility of such damages. Some jurisdictions do not allow limitations on implied warranties or the exclusion of certain damages, in which case these limitations apply to the maximum extent permitted, and you may have additional rights.

13. Indemnification

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, officers, agents, partners, and employees, from any loss, damage, liability, claim, or demand, including reasonable attorneys' fees, made by any third party due to or arising out of: your use of the Services; breach of these Legal Terms; breach of your representations and warranties; your violation of a third party's rights, including intellectual property rights; or any harmful act toward another user of the Services. We reserve the right, at your expense, to assume exclusive defense of any matter for which you are required to indemnify us.

14. User data

We will maintain certain data that you transmit to the Services for the purpose of managing performance, as well as data relating to your use of the Services. Although we perform routine backups, you are solely responsible for all data you transmit, and we have no liability to you for any loss or corruption of such data.

15. Electronic communications, transactions, and signatures

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communication be in writing. You agree to the use of electronic signatures, contracts, orders, and other records, and waive any rights requiring an original signature or non-electronic records, except where prohibited by law.

16. Miscellaneous

These Legal Terms and any policies or operating rules posted by us constitute the entire agreement between you and us. Our failure to exercise or enforce any right will not operate as a waiver. We may assign any of our rights and obligations to others at any time. We are not responsible for any loss or failure to act caused by circumstances beyond our reasonable control. If any provision is determined to be unlawful or unenforceable, that provision is severable and does not affect the remaining provisions. No joint venture, partnership, employment, or agency relationship is created between you and us as a result of these Legal Terms.

17. Contact us

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at: