Terms of Use

Effective 4/ 3/2018

 

THIS DOCUMENT CONTAINS VERY IMPORTANT INFORMATION REGARDING YOUR RIGHTS AND OBLIGATIONS, AS WELL AS CONDITIONS, LIMITATIONS, AND EXCLUSIONS THAT MIGHT APPLY TO YOU. PLEASE READ IT CAREFULLY.

 

The following terms and conditions govern all use of this website and all content, services and products available on or through the domains southerninsurancegroup.com and southerninsurance.net (collectively, the “Website”). The Website is owned and operated by Southern Insurance Services, Inc., a Tennessee corporation (“Southern Insurance Services”). The Website is offered subject to your acceptance of the terms and conditions contained herein and Southern Insurance Services’ Privacy Policy, which can be found at www.thesoutherninsurancegroup.com/privacy-policy and is incorporated herein by reference (collectively, the “Agreement”).

 

The Website is for insurance agent use only and not intended for the general public. Please read this Agreement carefully before accessing or using the Website. By accessing or using any part of the Website, registering with the Website, or by clicking to accept or agree to this Agreement when this option is made available to you, you agree to become bound by the terms and conditions of this Agreement. If you do not agree to all the terms and conditions of this Agreement, then you must not access the Website.

 

Use of the Website

You agree to use the Website only for purposes that are permitted by (a) the Agreement and (b) any applicable law, regulation, or generally-accepted practices or guidelines in the relevant jurisdictions (including any laws regarding the export of data or software to and from the United States or other relevant countries). Specifically, you agree:

  • not to use the Website in any way that violates federal, state, local or international law or regulation;
  • that you will not use the Website to transmit or send unsolicited commercial communications;
  • not to access (or attempt to access) the Website by any means other than through the interface that is provided by Southern Insurance Services;
  • that you will not attempt to gain unauthorized access to, interfere with, damage, disrupt or circumvent any of the security features of any part of the Website (or the servers, networks, and databases which are connected to the Website);
  • not to access (or attempt to access) the Website through any automated means (including use of scripts or web crawlers);
  • not to conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to the Website without Southern Insurance Services’ express written consent;
  • not to introduce any spyware, viruses, Trojan horses, worms, keystroke loggers, rootkits, logic bombs or other material which is malicious or technologically harmful to the Website (or the servers, networks, and databases which are connected to the Website);
  • not to use the Website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software;
  • that you will not edit or otherwise modify any content on the Website that is not owned by you or another person or entity for whom you act as their agent;
  • that you will not engage in any activity that interferes with or disrupts the Website (or the servers, networks, and databases which are connected to the Website);
  • that you will not impersonate or attempt to impersonate Southern Insurance Services, a Southern Insurance Services’ employee, another user or any other person or entity (including, without limitation, by using e-mail addresses associated with any of the foregoing).
  • that you will not reproduce, redistribute, republish, duplicate, copy, display, sell, rent, sub-license, trade or resell any aspect of the Website for any purpose; and
  • that you are solely responsible for (and that Southern Insurance Services has no responsibility to you or to any third party for) any breach of your obligations under the Agreement and for the consequences (including any loss or damage which you may suffer) of any such breach.

 

We expressly disclaim, and you expressly release us from, any and all liability whatsoever for any controversies, claims, suits, injuries, harm, loss, penalties, damages, arising from and/or in any way related to any misrepresentations regarding the age of any User.

 

The Website is not intended for persons under 18 years of age. Southern Insurance Services does not knowingly collect personal information from persons under age 18. By using the Website, you represent and warrant that you meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.

 

Responsibility of Website Visitors

By operating the Website, Southern Insurance Services does not represent or imply that it endorses the material there posted. You are responsible for taking precautions as necessary to protect yourself and your computer systems and devices from viruses, worms, Trojan horses, and other harmful or destructive content. The information presented on or through the Website is made available to you solely for informational and business purposes related to the Services offered by Southern Insurance Services, such as applying for a contract/license to represent life and or health insurers. Southern Insurance Services uses reasonable efforts to update the information on the Website. However, the contents of the Website are subject to change without notice.

 

The Website’s content may contain inaccuracies, typographical mistakes, and other errors. Southern Insurance Services does not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. Southern Insurance Services disclaims all liability and responsibility for any loss or harm arising from any reliance placed on such materials by you or any other visitor to the Website, or by any third party who may be informed of any of its contents.

 

Third Party Website Links and Content

From time to time, Southern Insurance Services may provide links to third party websites. Southern Insurance Services has not reviewed, and cannot review, all of the material made available through the websites and webpages to which the Website links, and that link to the Website. Southern Insurance Services does not have any control over these third party websites and webpages, and is not responsible for their contents or their use. By linking to a third party website or webpage, Southern Insurance Services does not represent or imply that it endorses such website or webpage. Southern Insurance Services disclaims all liability and responsibility for any loss or harm resulting from the use of third party websites and webpages by you or any other visitor to the Website, or by anyone who may be informed by the contents of such third party websites and webpages.

 

Intellectual Property

This Agreement permits you to access and use the Website exclusively for informational and business purposes related to the Services offered to you by Southern Insurance Services. The Website and all information and content contained therein is protected by contract law and various intellectual property laws, including domestic and international copyright and trademark laws. The copyright in all material provided on the Website is held by Southern Insurance Services or by the original creator of the material. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on the Website in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of Southern Insurance Services or the copyright owner; provided, however, that your computer or device may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials, and you may store files that are automatically cached by your Web browser for display enhancement purposes. You may print or download information from the Website only for business use as it relates to your relationship with Southern Insurance Services, and your own personal and other non-commercial use, and not for further reproduction, publication or distribution, provided you keep intact all copyright and other proprietary notices. If we provide mobile or other applications for download, you may download a single copy to your mobile device solely for business use as it relates to your relationship to Southern Insurance Services, and your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications. If we provide social media features with certain content, you may take such actions as are enabled by such features.

 

This Agreement or your use of the Website does not grant you any right, title, interest, or license (express or implied) to any Southern Insurance Services or third party intellectual property, and all right, title and interest in and to such property will remain (as between the parties) solely with Southern Insurance Services. You are prohibited from modifying any content on the Website. You are also prohibited from utilizing the Website in any way that would damage its content or visibility for other visitors. As between Southern Insurance Services and you, Southern Insurance Services has and retains exclusive and valid ownership of the Website, the names and marks thereof, and all intellectual property, proprietary rights and documentation therein, and you acknowledge that the foregoing constitute valuable assets and may constitute trade secrets of Southern Insurance Services. Southern Insurance Services, and its associated logos, and all page headers, custom graphics, and other icons are service marks, trademarks, registered service marks, or registered trademarks of Southern Insurance Services. All other product names and company logos mentioned on the Website or in the information or content contained therein are trademarks of their respective owners. In addition to complying with all applicable laws, you agree that you will not use any such trademarks, service marks, trade dress, or other logos from the Website without the prior written authorization of Southern Insurance Services. You agree that you will not remove, alter or obscure any copyright, legal or proprietary notices in or on any portions of the Website or the information and content contained therein. Southern Insurance Services accommodates and does not interfere with standard technical measures used by copyright owners to protect their materials. Pursuant to 17 U.S.C. Section 512 as amended by Title II of the Digital Millennium Copyright Act, Southern Insurance Services reserves the right to terminate your use of the Website or the information and content contained therein, if it determines in its sole and absolute discretion that you are involved in infringing activity, regardless of whether such alleged infringement is a first-time or repeat occurrence and/or whether the material or activity is ultimately determined to be infringing.

 

If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Website in breach of this Agreement, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. Any use of the Website not expressly permitted by this Agreement is a breach of this Agreement and may violate copyright, trademark and other laws.

 

Social Media Features and Linking to the Website

The Website may provide certain social media features that enable you to:

  • link from your own or certain third party websites to certain content on the Website;
  • send e-mails or other communications with certain content, or links to certain content, on the Website; and
  • cause limited portions of content on the Website to be displayed or appear to be displayed on your own or certain third party websites.

You may use these features solely as they are provided by us and solely with respect to the content they are displayed with. Subject to the foregoing, you must not:

  • establish a link from any website that is not owned by you;
  • cause the Website or portions of it to be displayed, or appear to be displayed by, framing, deep linking, in-line linking, or any other method on any other website;
  • link to any part of the Website other than the homepage; or
  • otherwise take any action with respect to the materials on the Website that is inconsistent with any other provision of this Agreement.

 

You may not link to our homepage unless it is done in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent. You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice.

 

We may disable all or any social media features and any links at any time without notice in our discretion.

 

Disclaimer of Warranties

YOUR USE OF THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT AND ANY ADVICE, SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER SOUTHERN INSURANCE SERVICES NOR ANY PERSON ASSOCIATED WITH SOUTHERN INSURANCE SERVICES MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER SOUTHERN INSURANCE SERVICES NOR ANYONE ASSOCIATED WITH SOUTHERN INSURANCE SERVICES REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT OR ANY ADVICE, SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT THE WEBSITE OR THE SERVER(S) THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEBSITE OR ANY ADVICE, SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

 

THE WEBSITE IS FOR INSURANCE AGENTS ONLY AND NOT INTENDED FOR THE GENERAL PUBLIC OR FOR CONSUMER SOLICITATION. THE WEBSITE IS SOLELY INTENDED FOR INFORMATIONAL AND BUSINESS PURPOSES RELATED TO THE SERVICES OFFERED TO INSURANCE AGENTS BY SOUTHERN INSURANCE SERVICES. SOUTHERN INSURANCE SERVICES DOES NOT ACCEPT PREMIUMS FOR INSURANCE PAYMENTS OR CLAIMS FOR INSURANCE REIMBURSEMENT BENEFITS.

 

SOUTHERN INSURANCE DISCLAIMS ALL LIABILITY AND RESPONSIBILITY ARISING FROM ANY RELIANCE PLACED ON INFORMATION OR CONTENT POSTED ON THE WEBSITE BY YOU OR ANY OTHER VISITOR TO THE WEBSITE, OR BY ANYONE WHO MAY BE INFORMED OF ANY OF ITS CONTENTS.

 

SOUTHERN INSURANCE SERVICES HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE.

 

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

 

Limitation of Liability

IN NO EVENT WILL SOUTHERN INSURANCE SERVICES, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.

 

THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

 

General Representation and Warranty

You represent and warrant that (i) your use of the Website will be in strict accordance with the Southern Insurance Services Privacy Policy, with this Agreement and with all applicable laws and regulations (including without limitation any local laws or regulations in your country, state, city, or other governmental area, regarding online conduct and acceptable content, and including all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside) and (ii) your use of the Website will not infringe or misappropriate the intellectual property rights of any third party.

 

Indemnification

You agree to defend, indemnify and hold harmless Southern Insurance Services, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of this Agreement or your use of the Website, including, but not limited to, any use of the Website’s content, services and products other than as expressly authorized in this Agreement or your use of any information obtained from the Website.

 

Changes

Southern Insurance Services reserves the right, at its sole discretion, to modify or replace any part of this Agreement. You are expected to carefully review this Agreement from time to time so you are aware of any changes, as they are binding on you. Your continued use of or access to the Website following the posting of any changes to this Agreement constitutes your binding acceptance of those changes. If any part of this Agreement or any future changes to this Agreement are not acceptable to you, you must not use or access the Website. Southern Insurance Services may also, in the future, offer new services and/or features through the Website. Such new features and/or services shall be subject to the terms and conditions of this Agreement.

 

Interruption of Service and Account Security

Southern Insurance Services reserves the right to discontinue the Website with or without notice to you. Southern Insurance Services shall not be liable to you or any third party if Southern Insurance Services exercises its right to discontinue the Website. Southern Insurance Services does not guarantee continuous, uninterrupted or secure access to the Website. The operation of the Website may be interfered with or adversely affected by numerous factors or circumstances outside of our control or through acts of God.

 

To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete. You agree that all information you provide to register with the Website or otherwise is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

 

To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete. You agree that all information you provide to register with the Website or otherwise is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

 

Information About You and Your Visits to the Website

All information we collect on the Website is subject to our Privacy Policy, which is located at www.thesoutherninsurancegroup.com/privacy-policy. By using the Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.

 

Geographic Restrictions

Southern Insurance Services is based in the United States and the Website is intended solely for insurance agents located in the United States. Southern Insurance Services makes no representations that the information on the Website is appropriate or available for use in all locations. The Website should not be used outside of the United States. Use of or access to the Website may not be legal by certain persons or in certain countries. By using or accessing the Website, you do so voluntarily at your own risk and are responsible for compliance with applicable local laws.

 

By using or accessing the Website, you consent to the transmission of your personal information, including your user id, password, and any other personal or non-personal information we may collect from you, to the United States, and you acknowledge and accept all liability and responsibility arising from the transmission of such information to the United States.

 

Termination and Survival

Southern Insurance Services may terminate your access to all or any part of the Website at any time, with or without cause, with or without notice, effective immediately. All provisions of this Agreement, which by their nature should survive termination, shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

 

Miscellaneous

This Agreement, together with any documents expressly referred to in this Agreement, constitutes the entire agreement between Southern Insurance Services and you concerning the subject matter hereof, and supersedes all previous written or oral agreements. This Agreement may only be modified by a written amendment signed by an authorized representative of Southern Insurance Services, or by Southern Insurance Services posting a revised version of this Agreement on the Website. Except to the extent applicable law, if any, provides otherwise, this Agreement and any access to or use of the Website shall be governed by the laws of the State of Tennessee, U.S.A., excluding its conflict of law provisions, and the proper venue for any disputes arising out of or relating to any of the same will be the state and federal courts located in Tennessee. The prevailing party in any action or proceeding to enforce this Agreement shall be entitled to costs and attorneys’ fees. If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties’ original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of this Agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. You may assign your rights under this Agreement to any party that consents to, and agrees to be bound by, its terms and conditions; Southern Insurance Services may assign its rights under this Agreement without condition. This Agreement will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns.

 

How to Contact Us Regarding these Terms of Use

We value your opinions and feedback. If you have questions, comments, or a complaint about the Agreement or the Website, please send your written request for assistance via e-mail to agtsupport@southerninsurance.net.