Terms and conditions of use

Effective February 19, 2020
N2G Worldwide Insurance Services, LLC ("N2G") provides you with our website (the “Site”) so that you may learn more about us or request information.

When you access the Site, you’re agreeing to these terms and conditions of use, plus any additional terms or conditions within the Site itself (collectively "Terms and Conditions").

N2G reserves the right to change the Terms and Conditions at any time by updating the Terms and Conditions by emailing changes to you or posting changes on the Site, or a website that replaces the Site, prior to the change becoming effective. Such change is effective upon posting by N2G on the Site. You agree to be bound to any changes to these Terms and Conditions when you use the Site after any such change is posted.

ALL INFORMATION AND OTHER MATERIALS PRESENT ON THE SITE ("CONTENT"), INCLUDING (WITHOUT LIMITATION) PRODUCTS AND SERVICES, ARE PROVIDED "AS IS." THERE ARE NO WARRANTIES ABOUT THE CONTENT'S NATURE OR ACCURACY (EITHER WHEN POSTED OR AS A RESULT OF THE PASSAGE OF TIME). THERE ALSO ARE NO REPRESENTATIONS OR GUARANTEES.

N2G DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED. THIS INCLUDES, BUT IS NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY WITH REGARD TO ANY WEBSITE OWNED BY A THIRD PARTY TO WHICH OR FROM WHICH THE SITE IS LINKED ("LINKED WEBSITE"). N2G DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR THE CAPABILITIES OR RELIABILITY OF ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED WEBSITE.

THE INFORMATION, PRODUCTS, SOFTWARE OR SERVICE DESCRIPTIONS PUBLISHED ON THE SITE OR A LINKED WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. N2G DISCLAIMS LIABILITY FOR SUCH ERRORS AND DOES NOT WARRANT OR REPRESENT THAT THE CONTENT ON THE SITE OR A LINKED WEBSITE IS UPDATED OR COMPLETE. N2G HAS NO OBLIGATION TO UPDATE ANY CONTENT ON THE SITE AND MAY CHANGE OR IMPROVE THE SITE AT ANY TIME WITHOUT NOTICE.

N2G DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE, OR STATEMENT MADE THROUGH THE SITE BY ANY PARTY OTHER THAN N2G.

N2G MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES THAT THE SITE WILL BE ACCESSIBLE CONTINUOUSLY AND WITHOUT INTERRUPTION OR ERRORS.

IN NO EVENT WILL N2G, ITS RESPECTIVE SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS BE LIABLE TO YOU FOR ANY PUNITIVE, INDIRECT, DIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES. THIS INCLUDES ANY LOST PROFITS, COSTS OF OBTAINING SUBSTITUTE SERVICE OR LOST OPPORTUNITY, EVEN IF YOU’VE NOTIFIED N2G ABOUT THE POSSIBILITY OF SUCH DAMAGES. THIS ALSO INCLUDES ANY CLAIMS BY ANY THIRD PARTIES ARISING OUT OF (OR IN ANY WAY RELATED TO) THE ACCESS, USE OR CONTENT OF THE SITE OR A LINKED WEBSITE. THIS APPLIES WHETHER SUCH CLAIMS ARE BROUGHT UNDER ANY THEORY OF LAW OR EQUITY.

THIS LIMITATION ON LIABILITY INCLUDES (BUT IS NOT LIMITED TO) TRANSMISSION OF VIRUSES THAT INFECTS A USER'S EQUIPMENT, MECHANIC OR ELECTRONIC EQUIPMENT FAILURE, FAILURE OF COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECTS, UNAUTHORIZED ACCESS, THEFT, OPERATIONAL ERRORS, STRIKES OR OTHER LABOR PROBLEMS, OR ANY FORCE MAJEURE.

N2G has the right to deny you access and use of the Site and its Content if you violate (as N2G may determine in its sole and absolute discretion) any provision of the Terms and Conditions. N2G reserves the right to seek all other remedies available at law and in equity. You agree, at your own expense, to defend, indemnify and hold N2G harmless from any claim or demand (including reasonable attorneys' fees) made by a third party in connection with (or arising out of your access to, or use of) the Site or any of its Content in a manner other than as expressly authorized by the Terms and Conditions. This includes your breach of the Terms and Conditions, or your violation of applicable laws or any rights of any third party.

N2G takes your privacy and online security very seriously. Our Privacy Policy explains how we collect, use and share visitor information.

You may not use any information obtained from the site for spamming or solicitation.

The site is not intended for children ages 13 and younger.

Intellectual property is protected by copyrights, trademarks, service marks, international treaties or other proprietary rights and laws of the United States and other applicable countries. You agree to abide by all applicable proprietary rights and laws, as well as any additional trademark or copyright notices or restrictions contained in the Terms and Conditions. The Terms and Conditions grant you no right, title, or interest in N2G's intellectual property and create no relationship between you and N2G. You may address all inquiries concerning use of N2G's intellectual property to: N2G, [email protected]

The trademarks, service marks, slogans, logos, trade dress and other identifiers ("Marks") displayed on the Site are the property of N2G, unless otherwise disclosed. You’re prohibited from using any Marks for any purpose (including, but not limited to, use on other materials, in presentations, as domain names or as metatags), without the written permission of N2G.

© 2020 N2G Worldwide Insurance Services, LLC

You’re prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes, without the prior written permission of N2G.

Original materials of N2G posted on the Site are protected by intellectual property laws. You are granted a nonexclusive, nontransferable, limited, and revocable right to access, use, display and navigate the Site solely for your personal, non-public use. You’re also granted a limited and revocable license to print copies of the Content, but solely for your personal, non-public use. Except as expressly provided above, all rights are reserved. Any commercial or public use of the Site or any of its Content is strictly prohibited without written permission from N2G.

Except as expressly provided above, no portion of the Site, its Contents or any copyright, trademark, trade name, service mark or any other proprietary information of N2G (collectively, the "Intellectual Property") displayed on the Site or on any of the Content may be reproduced, altered, removed, transmitted, published or distributed (whether electronically, mechanically, by photocopy, recording or otherwise), without prior written permission from N2G. Use of any N2G trademarks as metatags on any third-party website is strictly prohibited. You may not co-brand the Site or display the Site in frames (or any of the Content through inline links) without prior written permission from N2G. "Co-brand" means your display of any of the Intellectual Property (or your taking of other means of attribution or identification of N2G) in such a manner reasonably likely to give a third party the impression that you or such third party has the right to display, publish or distribute the Site or any of its Content. You agree to cooperate with N2G in causing any unauthorized co-branding, framing or linking to immediately cease.

From time to time, N2G may authorize linked websites to or from the Site. Linked websites are controlled and operated by third parties, not by N2G. N2G makes no representations, and disclaims all liability as to the content or material available at those locations, the accuracy of information, and the quality of products or services provided or advertised on linked websites. The fact that N2G authorizes linked websites is not an endorsement, authorization, express or implied sponsorship, or affiliation with respect to linked websites, its owners, sponsors or providers.

N2G operates the Site from its offices within the United States. N2G does not represent that Content on the Site is appropriate or applicable for use in any other country. Access from certain countries other than the United States may be strictly prohibited. You acknowledge and agree that you’re accessing the Site on your own initiative and at your own risk. You’re responsible for compliance with all local laws. These Terms and Conditions shall be governed by (and construed in accordance with) the laws of the United States and the State of New Jersey. You consent to exclusive jurisdiction and venue in New Jersey and waive the defense of forum non conveniens.

N2G values your feedback. However, we ask that you not submit to us any suggestions, materials, ideas or creative concepts for new, modified or different products or services through the Site. N2G makes this request to avoid confusion in the future regarding the origin of the concept, product or service.

If, despite our request that you not send us any creative materials, you still send us creative suggestions, ideas, concepts or other information (collectively, the "Information"), such Information shall be deemed by N2G to be (and shall remain) the property of N2G. None of the Information shall be subject to any obligation of confidence on the part of N2G. Also, N2G shall not be liable for any use or disclosure of any Information. Without limiting the foregoing, N2G shall exclusively own all rights to the Information of every kind and nature and shall be entitled to unrestricted use of the Information for any purpose whatsoever (commercial or otherwise), without compensation to the provider of the Information.

All communications initiated by you (also defined herein as a "Visitor") and made to or through portions of the Site that permit uploading of questions, comments or other material are hereby considered "Visitor Submissions."

If you submit material intended for display where technically permitted within the Site, you agree to abide by the terms set forth herein. Visitor Submissions will not contain any content that’s illegal, indecent, profane (either directly or indirectly through partially-obscured words, letters, phrases, terminology or the like), threatening, defamatory, derogatory, counter to N2G 's Privacy Policy or otherwise injurious to N2G or third parties. Visitor Submissions also should not consist of or invoke malicious software code, constitute commercial solicitation (except where pre-approved by N2G), consist primarily of an unsolicited electronic mass mailing, be political in nature, or the like. Where an email address is required to upload Visitor Submissions, you agree to use a valid email address and represent that you’re the individual identified by the address. If you wish to submit materials to the Site, you’re prohibited from impersonating any other individual or entity, or otherwise mislead as to the origination of the Visitor Submission.

Visitor Submissions will not be accepted that infringe in any manner on the copyright, trademark or other intellectual property rights of any person or entity, or that contain privileged, confidential, proprietary or trade-secret information of any individual or entity, or that may violate the legal rights of any person or entity in any jurisdiction or locale. You may not submit materials that are (or purport to be) the personally identifiable information about others, such as full name, postal address, email address, telephone number or any other personal attribute which would constitute harassment or an invasion of privacy.

Visitor Submissions become the property of N2G. You grant N2G a non-exclusive, royalty-free, perpetual, irrevocable, fully-transferable, sub-licensable and assignable right to use, edit, modify, adapt, translate, edit and reformat Visitor Submissions as necessary, and for any purpose, anywhere in the world, including into those forms that may constitute advertising. If you submit a Visitor Submission, you’re also hereby granting to N2G the non-exclusive right to seek enjoinment and possible damages from any third party who otherwise uses Visitor Submissions in an unauthorized way or through unauthorized reproduction of any Visitor Submission.

Visitor Submissions used, displayed or propagated by N2G or others licensed by N2G to use Visitor Submissions may be attributed to you unless the visitor has expressly requested anonymity. N2G reserves the right to select among the Visitor Submissions for the most appropriate material to be used, subject to N2G 's sole discretion and judgment. N2G otherwise reserves the right to remove Visitor Submissions from the Site pursuant to its discretion and judgment, but maintains no obligation to do so.

Visitors also hereby agree to not redistribute or reproduce elsewhere Visitor Submissions in any manner or in any media, including the re-submission or republishing of any Visitor Submission on any other site not affiliated with N2G.

Except to the extent otherwise set forth in the Terms and Conditions, these Terms and Conditions set forth the entire understanding between N2G and you with respect to your access to (and use of) the Site and its Content. These Terms and Conditions replace all prior or simultaneous understandings about access and use.

If any portion of these Terms and Conditions is found to be unenforceable, the remaining sections of the Terms and Conditions will remain in effect.

Failure by N2G, in any instance, to exercise any of its rights under the Terms and Conditions will not constitute waiver of such right or any other rights under the Terms and Conditions.