WEB SITE TERMS-OF-USE AGREEMENT

THE GENERAL AGENCY COMPANY WELCOMES YOU TO www.ga-ins.com. WE ASK THAT YOU READ THE FOLLOWING LEGAL NOTICE CAREFULLY AND FOLLOW THE TERMS OF USE, WHICH CONSTITUTE A LICENSE THAT COVERS YOUR USE OF THIS SITE AND ANY TRANSACTIONS THAT YOU ENGAGE IN THROUGH THIS SITE (“AGREEMENT”). BY ACCESSING, VIEWING, OR USING THIS SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE WITH THE TERMS. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS, PLEASE DO NOT USE THIS SITE.

INTRODUCTION

The GENERAL AGENCY COMPANY takes your privacy very seriously. We want you to feel comfortable using our Web site. Like many other web sites, we may automatically receive general information such as IP addresses and cookies which is contained in our server log. Email addresses and other information provided by you will be kept on file at our discretion. Information obtained will not be provided to a “Third Party” unless (i) a service requires interaction with a “third party”; (ii) we obtain your consent; (iii) pursuant to a legal process or law enforcement. You may request that your email address be deleted from our files by contacting our Webmaster.

USE OF SITE

This Web site is provided solely for the use of current and future customers of the GENERAL AGENCY COMPANY to provide you with information about our agency; to permit you to view our services and to enable you to contact us with any questions or comments that you may have. We do not allow persons 18 years of age or younger to submit information to this site. Any other use of this site is also prohibited. By way of example, you should not use any features of this site that permit communications or posting to post, transmit, display, or otherwise communicate:

• Any defamatory, threatening, obscene, harassing, or otherwise unlawful information;
• Any advertisement, solicitation, spam, chain letter, or other similar type of information;
• Any encouragement of illegal activity;
• Unauthorized use or disclosure of private, personally identifiable information of others; or
• Any materials subject to trademark, copyright, or other laws protecting any materials or data of others in the absence of a valid license or other right to do so.

SITE CONTENTS AND OWNERSHIP

The information contained on this site, including all images, designs, photographs, writings, graphs, data, logos, icons, and other contents (“Contents”) are the property of the GENERAL AGENCY COMPANY and are protected by copyrights, trademarks, trade secrets, or other proprietary rights. Permission is granted to display, copy, distribute, download, and print portions of this site solely for your non-commercial, personal use unless otherwise indicated; and then only for the authorized uses described above. You may not copy, distribute, transmit, modify, publicly use, reuse, sell or display any of the Contents of this Web site for any public or commercial purposes except with written consent from the GENERAL AGENCY COMPANY. You may not use the contents of this Web site in any other web site or network computer environment. You must retain all copyright and other proprietary notices on all copies of the Contents. You shall comply with all copyright laws worldwide in your use of this Web site and prevent unauthorized copying of the Contents. Except as provided in this Notice, the GENERAL AGENCY COMPANY does not grant you any express or implied rights in or under any patents, trademarks, copyrights, or trade secret information.

DISCLAIMER OF WARRANTY

You expressly agree that use of this Web site is at your sole risk. Neither the GENERAL AGENCY COMPANY, its affiliates, nor any of their officers, directors, employees, agents, third party content providers, or licensors (collectively, “Providers”), or the like, warrant that site will be uninterrupted or error-free; nor do they make any warranty as to the results that may be obtained from the use of this site, or as to the accuracy, completeness, reliability, security, or currency of the Contents.

The Contents may contain errors, omissions, inaccuracies, or outdated information. Further, the GENERAL AGENCY COMPANY does not warrant reliability of any statement or other information displayed or distributed through the site. The GENERAL AGENCY COMPANY reserves the right, in its sole discretion, to correct any errors or omissions in any portion of the site. The GENERAL AGENCY COMPANY may make any other changes to this site, the Contents and the products, programs, services or prices (if any) described in this site at any time without notice.

THIS SITE AND THE INFORMATION, CONTENT, AND MATERIALS ON THIS SITE ARE PROVIDED ON AN “AS IS”, “WHERE IS”, AND “WHERE AVAILABLE” BASIS. THE GENERAL AGENCY COMPANY MAKES NO REPRESENTATION OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE, THE CONTENT, INFORMATION, OR THE MATERIALS ON THIS SITE. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, THE GENERAL AGENCY COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPESS OR IMPLIED, OF ANY KIND, WITH RESPECT TO ANY OF THE MATERIALS, CONTENT, OR INFORMATION ON THIS SITE OR ANY GOODS OR OTHER PRODUCTS OR SERVICES OFFERED, SOLD, OR DISPLAYED ON THIS SITE OR YOUR USE OF THIS SITE GENERALLY, INCLUDING WARRANTIES OF MERCHANTABILITY, ACCURACY OF INFORMATION, QUALITY, TITLE FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. SOME JURISDICTIONS LIMIT OR DO NOT ALLOW THE DISCLAIMER OF IMPLIED OR OTHER WARRANTIES SO THE ABOVE DISCLAIMER MAY NOT APPLY TO THE EXTENT SUCH JURISDICTION’S LAW APPLIED TO THIS AGREEMENT.

LIMITATION OF LIABILITIES

YOU AGREE THAT THE GENERAL AGENCY COMPANY AND ITS PROVIDERS SHALL NOT BE LIABLE FOR ANY DAMAGED, LOSS, OR EXPENSE OF ANY KINDS ARISING OUT OF OR RESULTING FROM YOUR POSSESSION OR USE OF THE MATERIALS, CONTENT, OR INFORMATION ON THIS SITE REGARDLEDSS OF WHETHER SUCH LIABILITY IS BASED IN TORT, CONTRACT, OR OTHERWISE. IN NO EVENT, INCLUDING, WITHOUT LIMITATION, A NEGLIGENT ACT, SHALL THE GENERAL AGENCY COMPANY OR ANY OF ITS PROVIDERS BE LIABILE TO YOU FOR ANY DIRECT, INDIRECT, SPECIAL INCIDENTIAL, CONSQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, LOSS OF PROFITS, LOSS OR CORRUPTION OF DATA, LOSS OF GOODWILL, WORK STOPAGE, COMPUTER FAILURE OR MALFUNCTION, OR INTERRUPTION OF BUSINESS), ARISING OUT OF OR IN ANY WAY RELATED TO THE MATERIALS, CONTENT, OR INFORMATION ON THIS SITE OR ANY OTHER PRODUCTS, SERVICES, OR INFORMATION OFFERED, SOLD, OR DISPLAYED ON THIS SITE, YOUR USE OF, OR INABILITY TO USE, THIS SITE GENERALLY, OR OTHERWISE IN CONNECTION WITH THIS AGREEMENT, REGARDLESS OF WHETHER THE GENERAL AGENCY COMPANY OR ANY OF ITS PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE, BECAUSE SOME STATES DO NO ALLOW THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTIAL DAMAGES, THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

INDEMNIFICATION

You agree to indemnify, defend, and hold harmless the GENERAL AGENCY COMPANY, its owners, affiliates, agents, employees, and licensors from and against any and all claims and expenses, including reasonable attorney fees, arising out of or related in any way to your use of the site, violation of this Agreement, violation of any law or regulation, or violation of any proprietary or privacy right.

LIMITATIONS ON CLAIM

Any cause of action you may have with respect to your use of this site must be commenced within one (1) year after the claim or cause of action arises.

TERM AND TERMINATION

Without limiting its other remedies, the GENERAL AGENCY COMPANY may immediately discontinue, suspend, terminate, or block your and any user’s access to this site at any time in our sole discretion.

WARNING: If security monitoring reveals possible evidence of criminal activity, information pertaining to such activity may be provided to law enforcement officials. Unauthorized attempts to upload information and/or change or modify information on this Web site is strictly prohibited and subject to prosecution under the Computer Fraud and Abuse Act of 1986.

HYPERLINK DISCLAIMERS

As a convenience to you, we may provide on this site links to Web sites operated by other entities (collectively the “Linked Site”). If you use any Linked Sites, you will leave this site. If you decide to visit any Linked Site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. Linked Sites, regardless of the linking form (e. g., hotlinks, hyperlinks, IMG links) are not maintained, controlled, or otherwise governed by the GENERAL AGENCY COMPANY. The content, accuracy, opinions expressed, and other links provided by Linked Sites are not investigated, verified, monitored, or endorsed by the GENERAL AGENCY COMPANY. The GENERAL AGENCY COMPANY does not endorse, make any representation regarding or warrant any information, goods, and/or services appearing and/or offered on any Linked Site, other than linked information authored by the GENERAL AGENCY COMPANY. Links do not imply that the GENERAL AGENCY COMPANY or this site sponsors, endorses, is affiliated or associated with, or it legally authorized to use any trademark, trade name, logo, or copyright symbol displayed in or accessible through the link, or that any Linked Site is authorized to use any trademark, trade name, logo or copyright of the GENERAL AGENCY COMPANY or any of its affiliates or subsidiaries. Except for links to information authored by the GENERAL AGENCY COMPANY, the GENERAL AGENCY COMPANY is neither responsible for nor will it be liable under any theory based upon (i) any Linked Site; (ii) any information and/or content found on any Linked Site; or (iii) any site(s) linked to or from any Linked Site. If you decide to visit any Linked Sites and/or transact any business thereon, you do so at your own risk. The GENERAL AGENCY COMPANY reserves the right to discontinue any Linked Site at any time without prior notice. Please contact the web masters of any Linked Site concerning any information, goods, and/or services appearing thereon.

CONTROLLING LAW, JURISDICTION AND INTERNATIONAL USERS

This Agreement is governed by and shall be construed in accordance with the laws of the State of Michigan, U.S.A., without reference to its conflicts of laws provisions. The GENERAL AGENCY COMPANY makes no representation that the materials are appropriate or available for use outside the United States. If you access this site from outside the United States, you will be responsible for compliance with all local laws. You agree to comply with all laws and regulations applicable to your use of this site. You agree to submit to the personal and exclusive jurisdiction of the state or federal courts located within Isabella County, Michigan for any disputes with the GENERAL AGENCY COMPANY arising out of your use of this site. If any provision(s) of this Agreement shall be held as invalid, illegal or unenforceable, the validity, legality or enforceability of the remaining provisions shall not in any way be affected or be impaired thereby.

ENTIRE AGREEMENT

This Agreement constitutes the entire agreement between the GENERAL AGENCY COMPANY and you with respect to this Web site, and it supersedes all prior or contemporaneous communication and proposals, whether electronic, oral, or written, between you and the GENERAL AGENCY COMPANY with respect to this Web site. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. If for any reason a court of competent jurisdiction finds any provision of this Agreement or portion thereof to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of this Agreement, and the remainder of this Agreement shall continue in full force and effect. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.

MODIFICATIONS TO AGREEMENT

We may revise this Agreement at any time and you agree to be bound by the revised Agreement. Any such modifications will become effective upon the date they are first posted to this site. It is your responsibility to return to this Agreement from time to time to review the most current terms and conditions. The GENERAL AGENCY COMPANY does not and will not assume any obligation to notify you of changes to this Agreement.

ELECTRONIC COMMUNICATION AND ELECTRONIC SIGNATURE