Coastal Insurance Services, Inc.

Website Terms of Service

1.         ACCEPTANCE OF TERMS

            Welcome to Coastal Insurance Services, Inc. (CIS).  CIS is a subsidiary of Coastal Insurance Risk Retention Group, Inc. CIS was created to offer a full range of insurance and risk management services.

            CIS provides its service to you, subject to the following Website Terms of Service (“TOS”), which may be updated by us at any time without notice to you.  You can review the most current version of the TOS at any time on the website.  In addition, when using particular CIS services, you and CIS shall be subject to any posted guidelines or rules applicable to such services which may be posted as needed.  All such guidelines or rules are hereby incorporated by reference into the TOS.  CIS may also offer other services that are governed by different Terms of Service.

2.         DESCRIPTION OF SERVICE

            Through our Insurance Agency operation, we are able to assist you with any of your insurance needs. This agency has access to a wide range of insurance companies writing property and casualty or Group or Individual Life and Health Insurance. Through our contract service operations, we are able to assist you with a wide variety of risk management, information technology and other services that are needed for a self insured operation. Our Network Staff are skilled and experienced professionals backed by industry recognized Microsoft certifications.  Coastal Insurance Services, Inc is a Microsoft Certified Partner. For companies in need of competent IT Support who cannot afford the expense of a full-time System Administrator, our IT Department Outsourcing solution can be of assistance.

            Unless explicitly stated otherwise, any new features that augments or enhances the current Service, including the release of new CIS services, shall be subject to the TOS.  You understand and agree that the Service is provided “AS-IS” and that CIS assumes no responsibility for the timeliness, deletion, miss-delivery or failure to store any user communications or personalization settings.  You are responsible for obtaining access to the Service including all related costs and all equipment necessary to access the Service.

3.         YOUR REGISTRATION OBLIGATIONS

            In consideration of your use of the Service, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of the United States or other applicable jurisdiction.  You also agree to: (a) provide true, accurate, current and complete information about yourself as prompted by the Service’s registration forms (such information being the “Registration Information Data”) and (b) maintain and promptly update the Registration Information Data to keep it true, accurate, current and complete.  If you provide any information that is untrue, inaccurate, not current or incomplete, or CIS has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, CIS has the right to suspend or terminate your account and refuse any and all current or future use of the Service (or any portion thereof).

4.         CIS PRIVACY POLICY

            All data and certain other information about you is subject to our Privacy Policy. Any and all data that is presented to us is incorporated herein by reference and made a part of this TOS.  For more information, see our full privacy policy at www.coastalinsuranceservices.net.  

5.         ACCOUNT, PASSWORD AND SECURITY

            In the future, CIS anticipates issuing a password and account designation to access online services. You will be responsible for maintaining the confidentiality of the password and account and fully responsible for all activities that occur under your password and account. You agree to (a) immediately notify CIS of any unauthorized use of your password and account or any other breach of security, and (b) ensure that you exit from your account at the end of each session. CIS will not be liable for any loss or damage arising from your failure to comply with this section.

6.         CONDUCT

            You understand that all information, data, text, software, music, sound, photographs, graphics, video, messages or other materials (“Content”), whether publicly posted or privately transmitted, are the sole responsibility of the person from which such Content originated.  This means that you, and not CIS, are entirely responsible for all Content that you upload, post, email, transmit or otherwise make available via the Service.  CIS does not control the Content posted via the Service and, as such, does not guarantee the accuracy, integrity or quality of such Content.  You understand that by using the Service, you may be exposed to Content that is offensive, indecent or objectionable.  Under no circumstances will CIS be liable in any way for any Content, including, but not limited to, for any errors or omissions in any Content, or for any loss or damage of any kind incurred as a result of the use of any Content posted, emailed, transmitted or otherwise made available via the Service.

You agree to not use the Service to:

Upload, post, email, transmit or otherwise make available any Content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable;

harm minors in any way;

impersonate any person or entity, including, but not limited to, a CIS official or falsely state or otherwise misrepresent your affiliation with a person or entity;

forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the Service;

upload, post, email, transmit or otherwise make available any Content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);

upload, post, email, transmit or otherwise make available any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights (“Rights”) of any party;

upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “Chain letters,” “pyramid schemes,” or any other form of solicitation.

upload, post, email, transmit or otherwise make available any material that contains software viruses or any computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;

disrupt the normal flow of dialogue, cause a screen to “scroll” faster than other users of the Service are able to type, or otherwise act in a manner that negatively affects other users’ ability to engage in real time exchanges;

interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service;

intentionally or unintentionally violate any applicable local, state, national or international law, including, but not limited to, regulations promulgated by the U.S. Securities and Exchange Commission, any rules of any national or other securities exchange, including, without limitation, the New York Stock Exchange, the American Stock Exchange or the NASDAQ, and any regulations having the force of law;

“stalk” or otherwise harass another; or

collect or store personal data about other users.

CIS and its designees shall have the right to remove any Content that violates the TOS or is otherwise objectionable.  You agree that you must evaluate, and bear all risks associated with, the use of any Content, including any reliance on the accuracy, completeness, or usefulness of such Content.  In this regard, you acknowledge that you may not rely on any Content created by CIS or submitted to CIS.

You acknowledge, consent and agree that CIS may access, preserve, and disclose your account information and Content if required to do so by law or in a good faith belief that such access preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce the TOS; (c) respond to claims that any Content violates the rights of third-parties; (d) respond to your requests for customer service; or (e) protect the rights, property, or personal safety of CIS, its users and the public.

You understand that the technical processing and transmission of the Service, including your Content, may involved (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.

You understand that the Service and software embodied within the Service may include security components that permit digital materials to be protected, and use of these materials is subject to usage rules set by CIS and/or content providers who provide content to the Service. You may not attempt to override or circumvent any of the usage rules embedded into the Service.  Any unauthorized reproduction, publication, further distribution or public exhibition of the materials provided on the Service, in whole or in part, is strictly prohibited.

7.         SPECIAL ADMONITIONS FOR INTERNATIONAL USE

            Recognizing the global nature of the Internet, you agree to comply with all local rules regarding online conduct and acceptable Content.  Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.

8.         INDEMNITY

            You agree to indemnify and hold CIS, and its subsidiaries, owners, affiliates, officers, agents, co-branders or other partners, and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of Content you submit, post, transmit or make available through the Service, your use of the Service, your connection to the Service, your violation of the TOS, or your violation of any rights of another.

9.         NO RESALE OF SERVICE

            You agree not to reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial purposes, any portion of the Service, use of the Service, or access to the Service.

10.       TERMINATION

            You agree that CIS may, under certain circumstances and without prior notice, immediately terminate your CIS account, any associated email address, and access to the Service.  Cause for such termination shall include, but not be limited to, (a) breaches or violations of the TOS or other incorporated agreements or guidelines, (b) requests by law enforcement or other government agencies, (c) a request by you (self-initiated account deletions), (d) discontinuance of material modification to the Service (or any part thereof), (e) unexpected technical or security issues or problems.  Termination of your CIS account includes (a) removal of access to all offerings within the Service, (b) deletion of your password and all related information, files and content associated with or inside your account ( or any part thereof), and (c) barring further use of the Service.  Further, you agree that all terminations for cause shall be made in CIS’s sole discretion and that CIS shall not be liable to you or any third-party for any termination of your account, any associated email address, or access to the Service.

11.       DEALINGS WITH ADVERTISERS

            Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through the Service, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser.  You agree that CIS shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Service.

12.       CIS’S PROPRIETARY RIGHTS

            You acknowledge and agree that the Service and any necessary products, services or software used in connection with the Service contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that products, services or information presented to you through the Service may be protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws.  Except as expressly authorized by CIS, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Service or the Software, in whole or in part.

13.       LIMITATION OF LIABILITY

            YOU EXPRESSLY UNDERSTAND AND AGREE THAT CIS SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF CIS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (iii) UNAUTHOIRZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (v) ANY OTHER MATTER RELATING TO THE SERVICE.

14.       NO THIRD PARTY BENEFICIARIES

            You agree that, except as otherwise expressly provided in this TOS, there shall be no third party beneficiaries to this Agreement.

15.       NOTICE

            CIS may provide you with notices, including those regarding changes to the TOS, by email, regular mail, or postings on the Service.

16.       GENERAL INFORMATION

            Entire Agreement.  The TOS constitute the entire agreement between you and CIS and govern your use of the Service, superseding any prior agreements between you and CIS.  You also may be subject to additional terms and conditions that may apply when you use or purchase certain other CIS services, affiliate services, third-party content or third-party software.

            Choice of Law and Forum.  The TOS and the relationship between you and CIS shall be governed by he laws of the State of Alabama without regard to its conflict of law provisions.  You and CIS agree to submit to the personal and exclusive jurisdiction of the courts located within the county of Montgomery, Alabama.

            Waiver and Severability of Terms.  The failure of CIS to exercise or enforce any right or provision of the TOS shall not constitute a waiver of such right or provision.  If any provision of the TOS is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the TOS remain in full force and effect. 

            Statute of Limitations.  You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the TOS must be filed within one (1) year after such claim or cause of action arose or be forever barred.

            Section Titles.  The section titles contained in this TOS are for convenience of reference only and have no legal or contractual effect.

 17.       VIOLATIONS

            Please report any violations of the TOS to .