Terms of Service

This document outlines the Terms of Service (TOS) that govern the use of the website owned and operated by 51 State Insurance, an insurance company. By using the website, you agree to be bound by the TOS, which may be amended from time to time at the sole discretion of 51 State Insurance.

Effective date: 01/02/2023

Use of the Website

The website is provided to you for your personal, non-commercial use. You may not use the website for any illegal purpose or in a manner that would damage, disable, overburden, or impair the website or interfere with any other party’s use and enjoyment of the website. You may not use the website to collect or store personal data about other users.

You agree that we may contact you by telephone (including cell phones), facsimile, email or other internet facilities, with respect to the Service, and other offerings we may make available in the future. Calls may be live or pre-recorded and calls or texts may be made via automated dialing system.

Intellectual Property

All content on the website, including text, graphics, logos, images, and software, is the property of 51 State Insurance or its licensors and is protected by United States and international intellectual property laws. You may not modify, copy, distribute, transmit, display, publish, sell, license, create derivative works from, or otherwise exploit the content without the express written permission of 51 State Insurance.

User-Generated Content

The website may include areas where users can submit, post, or upload content, such as reviews or comments. You agree not to submit, post, or upload any content that is illegal, threatening, defamatory, obscene, infringing, or otherwise offensive. 51 State Insurance reserves the right, but not the obligation, to remove any user-generated content that violates these TOS.

Disclaimer of Warranties

The website is provided on an “as is” and “as available” basis. 51 State Insurance makes no warranties, express or implied, as to the operation of the website or the information, content, materials, or products included on the website. 51 State Insurance does not warrant that the website will be uninterrupted or error-free.

Limitation of Liability

51 State Insurance will not be liable for any damages of any kind arising from the use of the website, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

Indemnification

You agree to indemnify, defend, and hold harmless 51 State Insurance, its officers, directors, employees, agents, licensors, and suppliers from and against all losses, expenses, damages, and costs, including reasonable attorneys’ fees, arising from or relating to your use of the website or any violation of these TOS.

Governing Law

These TOS will be governed by and construed in accordance with the laws of the State of [State], without giving effect to its conflict of law provisions.

Dispute Resolution

Any dispute arising from or relating to these TOS will be resolved through binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association.

Termination

51 State Insurance may, in its sole discretion, terminate or suspend your access to all or part of the website, with or without notice and with or without cause, at any time.

General Terms

These TOS constitute the entire agreement between you and 51 State Insurance regarding the use of the website. If any provision of these TOS is found to be invalid, the remaining provisions will remain in full force and effect. 51 State Insurance failure to enforce any provision of these TOS will not be deemed a waiver of such provision.

Changes to the TOS

51 State Insurance reserves the right to modify these TOS at any time, and such modifications will be effective immediately upon posting the modified TOS on the website. Your continued use of the website following the posting of the modified TOS will be deemed to be your acceptance of the modified TOS.

Contact Information

If you have any questions or concerns about these TOS, please contact 51 State Insurance at:

8888-51State

info@ru.51stateinsurance.com