Your use of this site is expressly conditioned on your acceptance of these Terms of Use. If you do not agree with any part of the Terms of Use, you must not use this site.

Universal 1^st Insurance Services reserves the right to modify the Terms of Use at any time. Continued use of this site by you will constitute your acceptance of any revisions to the Terms of Use.

Copyright / Trademark

Except where otherwise indicated, all materials contained in this Web site are the copyrighted property of Universal 1st Insurance Services. Universal 1st Insurance Services logo, all other service marks, and the names of various products and services described within are service marks of Universal 1st Insurance Services or its affiliates.

Except as expressly stated otherwise, you shall not use any portion of this Web site, or any other intellectual property of Universal 1st Insurance Services (including, but not limited to Universal 1st Insurance Services service marks), on any other Web site, in the source code of any other Web site, or in any other printed or electronic materials. Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this Web site's content or frame this Web site within any other Web site without our prior written permission. Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from Universal 1st Insurance Services, is prohibited. Linking from another Web site to any page in this Web site is strictly prohibited without prior written permission.

Third-Party Sites

This site contains links to other Internet Web sites ("Third-party Sites") that are not maintained by Universal 1st Insurance Services. These links are provided solely for your convenience. Universal 1st Insurance Services makes no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third-party Sites. We recommend that you take the time to read the privacy policies and user agreements of these sites.

Privacy & Security

Please review our Privacy & Security Policy, which also governs your visit to this web site.

Disclaimer of Warranty

The content and materials in this site are provided "as is" and without representations or warranties of any kind, either express or implied. Universal 1st Insurance Services expressly disclaims all warranties, express or implied, with respect to this site including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement. Universal 1st Insurance Services does not warrant or represent that the functions or operation of this site will be uninterrupted or error-free, that defects will be corrected, or that this site, its servers or any e-mail sent from Universal 1st Insurance Services are free of viruses or other harmful components. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.

Limitation of Liability

Universal 1st Insurance Services shall not be liable for any injury, loss, claim, or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, which arises out of (a) the use of, or inability to use, this site or content found in this site, or (b) unless resulting from the gross negligence or intentional actions of Universal 1st Insurance Services, the unauthorized access to or alteration of your transmissions or data, even if Universal 1st Insurance Services has been advised of the possibility of such damages. Some states do not allow the exclusion of liability for certain damages, so the foregoing exclusions or limitations may not apply to you.

Jurisdiction / Enforceability

Use of this site shall be governed by and construed in accordance with the laws of the State of California without giving effect to any principles of conflicts of laws.

Should any provision of these Terms of Use be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.