Terms and Conditions: Hinz Claim Management, Inc. ("HCM") offers and provides the web pages available at this HCM web site (the "HCM Website") only on the terms and conditions set forth herein. Please read these terms and conditions of use carefully. By making use of the HCM Website, you signify your agreement to these terms and conditions. If you do not agree to these terms and conditions, please do not use or access this HCM Website. The Internet and this HCM Website are constantly evolving. HCM reserves the right to at any time change or modify these Terms and Conditions or to impose new conditions with respect to your use of this HCM Website. HCM shall also have the right at any time to change or discontinue any aspect of or feature of this HCM Website, including but not limited to content, functionality, and equipment needed for access or use. Such changes, modifications, or additions shall be effective immediately upon their implementation or posting. Your continuing use of this HCM Website constitutes your acceptance of any such changes or updates.

Copyrights and Trademarks: All of the information on this HCM Website, including but not limited to all text, graphics, software applications, programming, and photographs (collectively, "Content"), and all rights in the web pages and the screen displays are the sole property of HCM and its licensors, as applicable. You may view, print and use the Content solely for your personal or internal business purposes. Except with prior written authorization from HCM, no Content may be copied, reproduced, downloaded, uploaded, displayed, sold, posted, distributed, incorporated into another work, used to create a derivative work, or otherwise exploited in any way, except that limited reproduction is permitted for your personal or internal business use. In no event may you remove any copyright or other proprietary notices or legends appearing on this HCM Website. "Brokers’ Risk" (and design), "Broker’s Risk Placement Services," and the other trademarks, service marks, logos and URLs (collectively, the "Trademarks") displayed on the HCM Website are the registered and unregistered trademarks of HCM and other third parties. Nothing contained on this HCM Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on this site without the written permission of HCM or such third party that owns the Trademark.

Products and Services: The information contained herein is not intended to constitute an offer to sell or a solicitation in connection with any product or service by HCM or any of its affiliated or subsidiary companies. Products and services referenced herein may not be available in all jurisdictions and may vary from state to state. The information and descriptions contained herein are not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes. The precise products/services afforded by or through HCM are subject to the terms, conditions and exclusions of the applicable instruments, policies or agreements governing such products/services.

Hyperlinks: This HCM Website may be linked to other web sites which are not maintained by HCM. HCM is not responsible for the content of these sites. The inclusion of any link to such web sites does not imply approval of or endorsement by HCM of the sites or the content thereof. You may establish a hypertext link to this HCM Website, provided (a) you only link to the home page located at www.hinzclaim.com, (b) the link does not state or imply any endorsement or sponsorship of you, your company, or your site by HCM, (c) you do not remove or obscure, by framing or otherwise, the copyright notice, the reference to these Terms and Conditions of Use, or other notices on this HCM Website, (d) you provide HCM notice of such link by sending an e-mail to webmaster@hinzclaim.com, and (e) you promptly discontinue providing links to this HCM Website upon notification by HCM.

DISCLAIMERS:
THE HCM WEBSITE AND THE CONTENT PROVIDED HEREIN IS PROVIDED ON AN "AS IS" BASIS AND HCM EXPRESSLY DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, HCM DOES NOT WARRANT THE QUALITY, CONDITION, ACCURACY, ADEQUACY OR COMPLETENESS OF THE CONTENT, AND HCM EXPRESSLY DISCLAIMS ANY LIABILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT. HCM DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THE HCM WEBSITE, AND OPERATION OF THE HCM WEBSITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. HCM DISCLAIMS ALL RESPONSIBILITY AND SHALL NOT BE LIABLE FOR ANY LOSS, INJURY, CLAIM, COST, EXPENSE, DEFICIENCY, LIABILITY, OR DAMAGE OF ANY KIND, INCLUDING ANY SPECIAL, INCIDENTL OR CONSEQUENTIAL DAMAGES, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF HCM HAS BEEN ADVISED OF THE POSSIBILITY OF THE SAME, RESULTING FROM, ARISING OUT OF OR IN ANY WAY RELATED TO (A) ANY ERRORS IN OR OMISSIONS FROM THE HCM WEBSITE AND ITS CONTENT, INCLUDING BUT NOT LIMITED TO OUTDATED INFORMATION AND TYPOGRAPHICAL ERRORS, (B) THE UNAVAILABILITY OF THE HCM WEBSITE OR ANY PORTION THEREOF, (C) YOUR USE OF THE HCM WEBSITE, OR (D) YOUR USE OF ANY EQUIPMENT OR SOFTWARE IN CONNECTION WITH THE HCM WEBSITE.

Security: For certain types of communications through this HCM Website, HCM may require the use of technologies provided for your protection and/or require you to use user identification information and passwords. You are responsible for protecting your user Ids and passwords from disclosure to third parties, and you are not permitted to avoid the use of required encryption technologies. While HCM may provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, HCM does not guarantee or warrant that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception or error.

Governing Law: These Terms and Conditions of Use shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflicts of law provisions. Any legal action or proceeding arising out of or relating to these Terms and Conditions or the HCM Website shall be exclusively subject to the jurisdiction of the state courts of State of Illinois and/or federal courts of the United States of America located in Illinois.

Licensing: This website is not intended as a solicitation for insurance in any state where HCM or its affiliates or its employees are not licensed. Currently, HCM and/or one of its affiliates and/or one of its employees are licensed in Alabama, Colorado, Connecticut, Illinois, Indiana, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, New Jersey, North Carolina, South Carolina, Tennessee, Texas, Utah, Virginia, West Virginia, and Wisconsin. If you are resident in a state where HCM is not licensed, then please visit our site at a later time for updated licensing information. All information on this site is presented for the purpose of obtaining and providing insurance information, insurance quotes and purchasing insurance for business entities in the states in which HCM is licensed within the United States.