a Berkshire Hathaway Company

a Berkshire Hathaway Company

Terms & Conditions

This website is owned by Central States Indemnity Co. of Omaha (CSI).

By accessing, viewing or using the systems, services or materials on any of the CSI web sites, (e.g., "," or other sites, which are collectively known as the "Site"), you indicate your understanding of these "Terms and Conditions of Use," and further agree to accept such Terms and Conditions of Use and to be legally bound by them. CSI may modify these Terms and Conditions of Use and the agreement they create at anytime, simply by updating this posting or the information on its website and without any notice to you.

A. Availability and Use of Materials on the Site

"Materials" include information, forms, documents, software and other content present on or available to you from the Site. "Software" means any computer software accessible to you on the Site. CSI may revise, enhance or update the Materials at any time. You must use the latest version or newest release of the Materials in accordance with the procedures established by CSI. Materials which offer descriptions or information on the products CSI sells are intended as general information and may not contain complete descriptions of all applicable terms, exclusions and conditions. Product availability varies by state.

B. Copyright and Proprietary Rights in Marks, Logos, and Materials

All service marks and logos located on the Site are owned by CSI unless otherwise indicated. All Materials are CSI's property, unless otherwise indicated. All Materials are protected by United States copyright laws and all other applicable laws. Removal or reproduction, by any means, of any Materials, logo, trademark, service mark, or the name of CSI or its affiliates, is expressly prohibited without the prior written consent of CSI.

C. License to Use Materials

CSI grants you a non-exclusive, non-transferable, temporary license to use materials other than the Software. CSI may revoke your license to use any Material (including Software) at any time if you fail to comply with this Agreement, or for any other reason. In no event shall the Materials be used in any manner which CSI deems to be directly or indirectly in competition with CSI or contrary to CSI's best interests.

D. License to Use Software

Permission to use the Software is granted only if you have registered to use the CSI enet, or other Site segment containing Software. If you are thus permitted to use the Software, CSI grants you a non-exclusive, non-transferable, temporary license to use the Software. The Software is the sole and exclusive property of CSI, or CSI's third-party vendor, as identified by the Software. If CSI's authorization to use third-party Software expires or terminates, your license to use the Software is immediately and automatically revoked. You agree to use the Software exclusively in conjunction with the marketing of CSI's products and in accordance with procedures established by CSI. Under no circumstances other than for backup or archival copying purposes may you copy the Software or any portion thereof without CSI's prior written consent. You are not otherwise authorized to copy, reverse engineer, decompile or use the Software in any manner other than as expressly authorized in this Agreement.

E. Charges

If CSI discloses at the time of your use or download of any Materials that CSI will charge you for use of the Materials, then your use of those Materials means that you agree to pay to CSI any license or use fee then being charged by CSI to use specified Materials. All such fees are non-refundable.

F. Communications With the Site

Except as required by privacy laws, if you elect to communicate with CSI via the Site or email, you acknowledge that the information contained in your message shall not be considered confidential and that CSI shall be free to disclose or otherwise use such information contained therein without any liability or limitation, including but not limited to creating and marketing products and/or services using such information. CSI is not responsible and shall not be liable for the contents of information, messages or other content posted to the Site by visitors or persons other than CSI employees. Opinions or comments contained in such items reflect the views of the author and not of CSI unless CSI expressly states to the contrary.

G. Links to Other Websites

The Site may, from time to time, contain links to other Internet websites for the convenience of users in locating information and services that may be of interest. You acknowledge that these third-party sites are maintained by persons or organizations which CSI does not control, and CSI expressly disclaims any responsibility for the content, the accuracy of the information and/or quality of products or services provided by or advertised on these third-party sites. CSI does not control, endorse, promote, or have any affiliation with any other website unless expressly stated in the Site or in the other website.

H. Use of the Internet

Use of the internet is solely at your own risk and is subject to all applicable state, national and international laws and regulations. While CSI endeavors to apply security protocols which are necessary and appropriate to the types of electronic communications which occur through use of the Site, the confidentiality of any communication or material transmitted to or from CSI via the Site, other websites or internet electronic mail cannot be guaranteed, including personal information such as your address or social security number. CSI will not be liable for any loss resulting from a cause over which we have no direct control, including but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, natural disasters, strikes or other labor problems, wars or governmental restrictions.

I. Disclaimer of Warranty and Limitation of Liability

Use of this site is entirely at your own risk.  In no event shall CSI be liable to you, or to any third parties, for any damages you or a third party may sustain due to your use or inability to use the site or any materials, even if CSI has been advised of the possibility of such damage.  CSI shall not be liable for any direct, special, indirect, incidental, consequential, or punitive damages, including without limitation, lost revenues or profits, which may result from the use of, access to, or inability to use these materials.  Under not circumstances will the total liability of CSI to you exceed the price paid for use of the site.  The site and materials are provided "as is."  To the maximum extent permitted by law, CSI disclaims all warranties of any kind, either expressed or implied, including, without limitation, implied warranties of merchantability and fitness for a particular purpose, or non-infringement.  CSI does not warrant that the functions contained in the site or any materials will meet any requirements or needs you may have, or that the site or any materials will operate in an error free or uninterrupted fashion, or that any defects or errors in the site or materials will be corrected, or that the software is compatible with any particular platform.  Some jurisdictions do not allow the waiver or exclusion of implied warranties so they may not apply to you.

J. Indemnification and Injunction

You agree to defend, indemnify and hold harmless CSI, its affiliates and subsidiaries, and all of their respective directors, officers, employees, representatives, proprietors, partners, shareholders, servants, principals, agents, predecessors, successors, assigns and attorneys from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs and expenses (including attorney's fees and litigation expenses) relating to or arising from your use of the Site, any breach by you of these Terms and Conditions, your negligent or intentional acts, errors or omissions in regard to the subject matter of this Agreement, or your failure to comply with applicable laws.

K. Governing Law and Jurisdiction

This Agreement is governed by the laws of the State of Nebraska without regard to that state's principles of conflicts of laws. Your consent to the jurisdiction of the federal and state courts presiding in Omaha, Nebraska, and agree to accept service of process by mail and hereby waive any and all jurisdictional and venue defenses otherwise available. This Site is controlled and operated by CSI from its offices within the United States. CSI makes no representation that materials in the Site are appropriate or available for use in other locations, and access to them from territories where their contents are illegal is prohibited. Those who choose to access this Site from other locations do so on their own volition and are responsible for compliance with applicable local laws.

Product Notice

All products listed may not be available in all states. For further product information, please contact CSI.

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