Terms of Use

Legal Notices and Disclaimer
Website Terms of Use Agreement

This page sets forth the terms and conditions under which Kevin Davis Insurance Services, Inc. (“KDIS” or "Kevin Davis Insurance" or “we”) provide the information on this Website, as well as the terms and conditions governing your use of this site. By making use of this Website, you agree to be bound by the terms and conditions that appear here. The terms and conditions are subject to updating at any time without notice. If at any time you do not accept the terms and conditions, do not access the Website or any of its pages. Changes to the terms and conditions take effect when posted to the Website.

We may terminate, change, suspend or discontinue any aspect of the Website, including the availability of any features of the Website, at any time.

Laws and Regulations

Access to and use of this Website are subject to applicable federal, state and local laws and regulations.

Submissions

All information that you submit to KDIS via this Website shall be deemed and remain the property of KDIS. We shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides to us through this Website. We shall not be subject to any obligations regarding such information except as expressly indicated in Privacy Statement(s) contained within the Website, or otherwise specifically agreed to in a separate writing or required by law. You further recognize that we do not want you to provide, and prohibit you from providing any information or material to KDIS that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another person or entity.

UserID/Password Use

While we cannot guarantee that information transmitted through the Internet is secure, for certain types of communications through this Website, KDIS may require the use of available technologies or other precautions provided for your protection and/or require you to use user identification information ("userIDs") and passwords. If you have been assigned a userID for access to restricted sections of this site, you are responsible for all activities executed under your userID and are the only one who may use it. You are responsible for protecting your userIDs and passwords from disclosure to third parties and you are not permitted to avoid the use of required encryption technologies. It is a violation of these terms and conditions for you to allow another person to use your userID and its associated passwords, use the userID and password assigned to another person, or attempt to gain access to resources for which you are not authorized is a serious breach of security.

Warranty & Liability - Disclaimer

We specifically disclaim all warranties with respect to this Website or your use thereof. All information on the Website, including but not limited to graphics, text and links to other sites, is provided "as is" and "as available" and may be changed without prior notice. We do not warrant the content, quality, condition, accuracy, adequacy or completeness of this information. Other than as required by applicable consumer protection law or insurance law, if any, in no event will KDIS be liable for errors or omissions in this information or for any losses or damages, direct, indirect, incidental, special or consequential resulting from your use or misuse of, or reliance on, any such information. The information is provided without warranty of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or similar disabling devices. You are responsible for evaluating the accuracy, completeness or usefulness of any information, advice or other content available on this Website.

Kevin Davis Insurance expressly disclaims any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, special, incidental or consequential damages, losses or expenses arising in connection with your use of or inability to use this site or any other Website linked to this site, or in connection with any failure of performance, error, omission, interruption, virus, defect, or delay in operation or transmission, even if we are aware of the possibility of such damages, losses or expenses.

Copyright Policy

All of the information on this Website, including all text, graphics, software applications, video and audio files and photos (collectively, "Content"), and all rights in the pages and the screens displaying the pages are owned by KDIS and subsidiaries or affiliated entities or their licensors, and are protected by copyright under United States and foreign laws. You may not modify, reproduce, copy, distribute, transmit, display, publish, sell, license, create derivative works of or use any aspect of the Website or its Content for commercial or public purposes or on any other Website or in a networked computer environment or engage in any other redistribution or republication of the Content. You may create a text link to the home page of our Website at www.kdisonline.com for legitimate business reasons on the condition that it is clear to the users that they are exiting your site and entering a new site, you do not frame or in-line our Website or its Content, and you do not create a false association or endorsement or otherwise misrepresent your relationship with KDIS.

Trademarks

Trademarks, service marks, trade names, logos, URLs, domain names and icons ("Marks") appearing on this site, whether registered or not, are owned by KDIS or authorized third parties and subsidiaries or affiliated entities and their licensors. Nothing on this Website grants you any right or license to use any of the Marks without the express written permission of KDIS or the third party owners of such Marks.

Hypertext Links To Third Party Sites

As a convenience to you, KDIS may provide links to third party Websites, or permit third parties to link to this Website. Because these other Websites are not under our control, we cannot guarantee the quality, accuracy, timeliness or security of those Websites. A link to or from another Website does not imply an affiliation between KDIS and the third party site owner or an endorsement of the third party site or any products or services that it describes. Your access to and use of any other Internet sites linked to or from this Website is at your own risk and we assume no obligation or liability in connection therewith. We may disable a link at any time and will remove any link from this Website at the third party site owner’s request.

Products and Services - Disclaimer

Insurance coverage statements on this Website are for general description purposes only. This Website does not amend, modify or supplement any insurance policy. Consult the actual policy for details regarding terms, conditions, coverages, exclusions, products, services and programs which may be available to you. Eligibility for particular products and services is subject to final determination of underwriting qualifications and acceptance by KDIS underwriters.

Further, this Website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any such policy. Whether coverage exists or does not exist for any particular claim or loss under any such policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Unless otherwise specified, products and services are available in the United States only. Information on the Website may include references to products or services not offered in all states. Variations in state law regarding the interpretation of insurance policies may exist, and any statements of coverage scope or intent in this summary are general in nature and are subject to change based on such variations. Availability of coverage referenced in this summary may be dependent upon state regulations.

Use of Cookies

When you visit the restricted sections of our site our Website, you may see that we use "cookies" in interacting with your web browser. A "cookie" is a piece of information that a website transfers to your computer hard drive for recordkeeping purposes. The cookie cannot be read by a Website other than the one that set the cookie. Most cookies last only through a single session, or Website visit. None will contain information that will enable anyone to contact you via telephone, e-mail, or any other means. You can set up your Web browser to inform you when cookies are set or to prevent cookies from being set.

International Users & Choice of Law

This Website is controlled and operated by Kevin Davis Insurance from Los Angeles, CA. We make no representation that materials at this Website are appropriate or available for use outside of the United States or that access to their content from all territories is legal. You may not use the Website or export the Website materials in violation of U.S. export laws and regulations. If you access this Website from locations outside of the United States, you are responsible for compliance with all local laws. This Terms of Agreement shall be governed by the laws of the United States and of the State of California, without giving effect to its conflict of laws provisions. This Agreement constitutes the entire agreement between you and Kevin Davis Insurance with respect to your use of the Website.