Legal Notice
USE OF SITE
The companies appearing on this Site (collectively, “LOTSolutions companies," "We," "Our," or “Us”, or, individually, "LOTSolutions") require that each visitor ("User," "You," or "Your") to this Internet Website on the World Wide Web ("Site") adhere to the following Terms and Conditions, which may have been revised since you last visited this Site. Please read these Terms and Conditions carefully before using this Site. By accessing this Site, each user acknowledges that he or she has read, understands and accepts each of the Terms and Conditions. If the user does not agree to all of the Terms and Conditions, he or she should not use this Site.
TERMS AND CONDITIONS
Informational Purposes Only
The information contained herein is not intended to constitute an offer to sell or a solicitation in connection with any product or service. It is provided solely for general informational purposes. Any insurance or non-insurance product described on this Site may have exclusions, limitations, reductions in benefits and terms under which it may be continued in force or discontinued. For more information, please consult the referenced policy or contract. The general information about the products and services apply to the United States only. All products and services may not be available in all states.
Modifications
LOTSolutions may at any time make modifications, changes, and alterations to the Contents of this Website, including these Terms and Conditions, without prior notice. You are responsible for regularly reviewing these terms and conditions. Your continued use of this Website following any modifications, changes, or alterations shall constitute your acceptance of such modifications, changes, or alterations.
Violations of Terms and Conditions
LOTSolutions reserves the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions, including the right to block access from a particular Internet address to this Site.
Waiver
No waiver by LOTSolutions of any right under or term or provision of these Terms and Conditions will be deemed a waiver of any other right, term, or provision of these Terms and Conditions at that time or a waiver of that or any other right, term, or provision of these Terms and Conditions at any other time.
Laws and Regulations
Access to, and use of, this Site are subject to all applicable federal, state and local laws and regulations in the United States.
No Warranties
Although LOTSolutions attempts to provide accurate information, names, images, pictures, logos, icons, documents, and materials (collectively, the "Contents") on the Website, it makes no representation, endorsement, or warranty that such Contents are accurate or suitable for any particular purpose. THE WEBSITE AND ITS CONTENTS ARE PROVIDED ON AN "AS IS" BASIS. USE OF THE WEBSITE AND ITS CONTENTS IS AT THE USER'S SOLE RISK. THE WEBSITE AND ITS CONTENTS ARE PROVIDED WITHOUT ANY REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, WITH THE SOLE EXCEPTION OF WARRANTIES (IF ANY) WHICH CANNOT BE EXPRESSLY EXCLUDED UNDER APPLICABLE LAW. AS NOTED BELOW, LOTSOLUTIONS ALSO MAKES NO REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES, EITHER EXPRESS OR IMPLIED, WITH RESPECT TO ANY WEBSITE OPERATED BY A THIRD PARTY.
WE WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM ANY USE OF THIS SITE. THESE INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF, OR INABILITY TO USE, OUR SITE; (2) FAILURE OF PERFORMANCE; (3) ERROR; (4) OMISSION; (5) INTERRUPTION; (6) DEFECT; (7) DELAY IN OPERATION OR TRANSMISSION; (8) COMPUTER VIRUS; OR (9) LINE FAILURE. WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. IN THE EVENT WE MAY BE HELD LIABLE FOR ANY DAMAGES RELATIVE TO OUR SITE, SUCH DAMAGES WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITE.
Potential Disruption of Service
Access to the Website may from time to time be unavailable, delayed, limited or slowed due to, among other things: hardware failure, including among other things failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment; software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content; overload of system capacities; damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters; interruption (whether partial or total) of power supplies or other utility of service; strike or other stoppage (whether partial or total) of labor; governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention; or any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of LOTSolutions.
Copyright Notice
The works of authorship contained in the Website, including but not limited to all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by LOTSolutions or one of its subsidiaries. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without LOTSolutions’ prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of LOTSolutions’ proprietary rights provided that you may download information and print out hard copies for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded. The posting of information and material on this Site does not constitute a waiver by LOTSolutions or any of their licensors of any rights in such material and does not transfer any rights to any user of this Site.
Forward-looking Statements
This Site includes "forward-looking statements" that express expectations of future events and/or results. All statements based on future expectations rather than on historical facts are forward-looking statements that involve a number of risks and uncertainties, and no assurances can be given that such statements will prove to be correct.
E-Mail Usage
While we wish to promote the privacy of individual e-mail users, we cannot guarantee the security or privacy of your e-mail transmission to us or to others from this Site. You should consider whether it is appropriate to use e-mail to send confidential messages or information to us. You bear all responsibility for your use of e-mail. We shall not be responsible or liable for any of your actions or any consequences resulting from your use of e-mail, including but not limited to misaddressed, lost or undelivered e-mail messages.
Access to Password Protected or Secure Areas
Access to, and use of, password protected or secure areas of this Site are restricted to authorized persons only. Any user who accesses, or attempts to access, such areas without authorization may be subject to prosecution.
Use of Cookies
In order to provide better service, we will occasionally use a "cookie". A cookie is a small piece of information which a website stores on your web browser on your computer and can later retrieve. The cookie cannot be read by a website other than the one that set the cookie. We use cookies for a number of administrative purposes. They let us store information that you have already told us, so we don't have to ask you again. They also allow us to measure what parts of our Site customers prefer to see, and what parts are less popular. Most cookies last only through a single session, or visit. None will contain information that will enable anyone to contact you via telephone, e-mail, or US Postal Service. You can set up your web browser to inform you when cookies are set or to prevent cookies from being set.
Software Licenses
You acknowledge that any software which may be available or provided to you on this website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. LOTSolutions does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by such export controls laws and regulations.
Links to Other Sites
Links to non-LOTSolutions Websites are provided solely as pointers to information on topics that may be useful to the user, and LOTSolutions has no control over the content on such non-LOTSolutions Websites. If you choose to link to a Website not controlled by LOTSolutions, LOTSolutions makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does LOTSolutions warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. LOTSolutions does not guarantee the authenticity of documents on the Internet. Links to non-LOTSolutions sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites.