This web site dedicated to offering resources and services for consumers interested in insurance and/or financial services.

Please carefully read the following Terms and Conditions of Use (“Terms of Use”) before using this web site (“Site”). By visiting and using this Site, you accept the conditions set forth in these Terms of Use. KBK Insurance Agency (“The Company”) may periodically modify these Terms of Use, and any such modifications will be effective immediately upon posting.  We suggest that you periodically check these Terms of Use for modifications. If you do not agree to these Terms of Use, do not use this Site.

This Site is owned and operated by The Company.  We may modify, suspend, discontinue, or restrict the use and availability of any portion of this Site at any time, without notice or liability. Your use of this Site may be monitored by The Company and used for The Company’s internal business purposes, without liability.

Warranty disclaimers

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

YOUR USE OF THIS SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULL EXTENT PERMITTED UNDER APPLICABLE LAW, The Company AND ITS AFFILIATES, SUBSIDIARIES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND ANY THIRD-PARTY INFORMATION PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE, AND ALL WARRANTIES REGARDING SECURITY, CURRENCY, CORRECTNESS, QUALITY, ACCURACY, COMPLETENESS, RELIABILITY, PERFORMANCE, TIMELINESS, OR CONTINUED AVAILABILITY, WITH RESPECT TO (I) THE SITE; (II) ANY MATERIALS, PRODUCTS, OR SERVICES AVAILABLE ON OR THROUGH THE SITE; (III) USE OF THE SITE, MATERIALS, PRODUCTS, OR SERVICES; AND (IV) THE RESULTS OF THE USE OF THE SITE, MATERIALS, PRODUCTS, OR SERVICES.

FURTHER, The Company AND ITS AFFILIATES, SUBSIDIARIES, MANAGERS, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS AND ANY THIRD-PARTY INFORMATION PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES WITH RESPECT TO ANY DELAYS OR ERRORS IN THE TRANSMISSION OR DELIVERY OF THE MATERIALS, PRODUCTS, OR SERVICES.

EXCEPT AS PROVIDED BY LAW, NEITHER The Company NOR ITS THIRD-PARTY INFORMATION PROVIDERS HAS ANY RESPONSIBILITY TO MAINTAIN THE MATERIALS, PRODUCTS, OR SERVICES OFFERED ON THE SITE OR TO SUPPLY CORRECTIONS, UPDATES, OR RELEASES FOR THE SAME.

TO THE EXTENT ANY JURISDICTION DOES NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. THIS WARRANTY GIVES YOU SPECIFIC LEGAL RIGHTS, AND YOU MAY HAVE OTHER RIGHTS, WHICH VARY FROM JURISDICTION TO JURISDICTION.

Liability and indemnity

ANY MATERIALS DOWNLOADED OR OTHERWISE OBTAINED THROUGH THIS SITE ARE DONE AT YOUR OWN RISK. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR OTHER EQUIPMENT, OR LOSS OF DATA THAT RESULTS FROM SUCH DOWNLOAD.

NEITHER The Company NOR ITS AFFILIATES, SUBSIDIARIES, MANAGERS, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, OR ANY THIRD-PARTY INFORMATION PROVIDERS WILL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, INCOME, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, OR DAMAGES CAUSED BY THEFT, UNAUTHORIZED ACCESS, SYSTEMS FAILURE OR COMMUNICATIONS LINE FAILURE, OR THE COST OF PROCURING SUBSTITUTE GOODS OR SERVICES, CAUSED BY THE USE OF OR INABILITY TO USE THE SITE, MATERIALS, OR ANY PRODUCTS OR SERVICES PROVIDED HEREIN, OR ANY OTHER MATTER RELATING TO THIS SITE, EVEN IF The Company HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU. TO THE EXTENT THAT A JURISDICTION DOES NOT PERMIT THE EXCLUSION OR LIMITATION OF LIABILITY AS SET FORTH HEREIN, The Company’S LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW IN SUCH JURISDICTIONS.

You agree to indemnify, defend, and hold harmless The Company, its subsidiaries, and affiliates, and each of its and their officers, directors, managers, employees, and agents, from and against all claims, demands, liabilities, damages, losses, or expenses, including attorney’s fees and costs, arising out of or related to your improper access to or use of this Site, or any violation by you of these Terms of Use.

Limited license and restrictions on use

The Company grants you a limited, revocable, nonexclusive, nontransferable license to view, store, bookmark, download, and print the pages within this Site. This site is intended for use only by licensed California insurance agents who are considering membership in the Network or who, as Network members, use the site resources with respect to only California business.  Nothing on this website shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful.

You are responsible for obtaining and maintaining all equipment, services, and other materials that you need to access this Site. The Company reserves all rights not expressly granted in these Terms of Use. Except as otherwise stated in these Terms of Use, you may not:

  • Modify, copy, distribute, transmit, post, display, perform, reproduce, publish, broadcast, license, create derivative works from, transfer, sell, or exploit any reports, data, information, content, software, products, services or other materials on, generated by or obtained from this Site, whether through links or otherwise (collectively, “Materials”);
  • Redeliver any page, text, image, or Materials on this Site using “framing” or other technology;
  • Engage in any conduct that could damage, disable, or overburden (i) this Site, (ii) any Materials or services provided through this Site, or (iii) any systems, networks, servers, or accounts related to this Site, including without limitation, using devices or software that provide repeated automated access to this Site, other than those made generally available by The Company to licensed agents who are either members of The Company’s Network of agents or are considering membership in the Network;
  • Probe, scan, or test the vulnerability of any Materials, services, systems, networks, servers, or accounts related to this Site or attempt to gain unauthorized access to Materials, services, systems, networks, servers, or accounts connected or associated with this Site through hacking, password, or data mining, or any other means of circumventing any access-limiting, user authentication, or security device of any Materials, services, systems, networks, servers, or accounts related to this Site;
  • Modify, copy, obscure, remove, or display The Company’s name, logo, trademarks, service marks, trade names, trade dress, text, notices, images or other protected elements, wording, logos and symbols without The Company’s express written permission. To request such permission, you may e-mail us; or
  • Include the term “The Company,” or any The Company trademark, trade name, service mark, trade dress or similar protected element, wording, logo or symbol or executive’s name, or any variation of the foregoing, as a meta-tag, hidden textual element or any other indicator that creates an impression of affiliation, sponsorship, or endorsement by The Company or to otherwise create such an impression by any

Your account

Certain parts of this Site may be protected by passwords or require a login. Further, for authentication purposes, certain features on this Site may require you to answer a designated security question. You agree to provide The Company with current, complete, and accurate information as prompted by the applicable registration process and agree to regularly update this information to maintain its completeness and accuracy. You agree not to obtain or attempt to obtain unauthorized access to such parts of or features on this Site, or to any other protected Materials or information, through any means not intentionally made available to you by The Company.

You are responsible for maintaining the confidentiality of any account information, user names, logins, passwords, and security questions and answers that you use to access any page or feature on this Site, and for logging off of your account and any protected areas of the Site. Further, you are fully responsible for all activities occurring under your accounts, user names, logins, passwords, and security questions and answers that result from your negligence, carelessness, misconduct, or failure to use or maintain appropriate security measures. If you become aware of any suspicious or unauthorized conduct concerning your accounts, user names, logins, passwords, or security questions and answers, you agree to contact The Company immediately. The Company will not be liable for any loss or damage arising from your failure to comply with the instructions in this paragraph.

Products and services provided to you through this Site may involve the electronic transmission, including via any e-mail address you provide to us, of information that you may consider to be personal financial information or promotional and marketing materials, and you consent to such transmission.

Data, information, and content

The Materials on this Site are for the use of insurance agents who interested in acquiring resources and services to expand their business in the online sale of Individual & Family health insurance.  You are not permitted to use this web site for any other purpose.

Through this Site, The Company may provide data, information, and content relating to the purchase of resources and services.  In exchange for the use of this site and for using such Materials, you agree not to hold The Company or its third-party information providers liable for any possible claim for damages arising from any decision you make based on the Materials made available to you through this Site. By providing access to other websites, The Company is only facilitating access to information and resources, not recommending the purchase or sale of products or services by any company, nor endorsing products or services provided by any website’s sponsoring organization.  The Company is not responsible for the content, accuracy, timeliness, reliability or for any other aspect of access to or the contents of any other web site, even if linked to The Company’s own site.

Copyright policy, notice, and claim information

All Materials on this Site, whether separate or compiled, including, but not limited to, text, graphics, audio clips, logos, buttons, images, digital downloads, data compilations, software, icons, html code, and xml code, as well as all copyright, patent, trademark, trade dress, and other rights therein, are owned or licensed by The Company and its third-party information providers, and are protected by United States and international intellectual property laws.

Trademarks, service marks, trade names, trade dress, patents, and other protected elements, wording, logos and symbols.

All trademarks, service marks, trade names, trade dress and other protected elements, wording, logos or symbols appearing on this Site are the exclusive property of their respective owners.

All The Company graphics, logos, page headers, and service names are trademarks, service marks, or trade dress of The Company. Nothing contained on this Site should be construed as granting any license or right in or to any trademarks, service marks, or trade dress of The Company.

Third-party content

Data and other materials appearing on this Site that are provided by third parties are believed by The Company to be obtained from reliable sources, but The Company cannot guarantee their accuracy, timeliness, completeness, or suitability for use. The Company is not responsible for, and does not prepare, edit, or endorse, the content, advertising, products, or other materials on or available from any website owned or operated by a third party that is linked to this Site via hyperlink or from which we receive information which we incorporate into this site. The fact that The Company has provided a link to a third party’s website does not constitute an implicit or explicit endorsement, authorization, sponsorship, or affiliation by The Company with respect to such website, its owners, providers, or services. You will use any such third-party content at your own risk.

Timeliness of content

All content on this Site is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons.  In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

Termination

The rights granted to you herein terminate immediately upon any violation by you of these Terms of Use.  If you are a member of the The Company Network, your rights of access terminate as of if and when your membership ceases, except that to the extent your termination occurs under circumstances where you continue to service business developed jointly with The Company, The Company may, in its sole discretion, continue to permit limited access. The Company, in its sole discretion, reserves the right to temporarily or permanently terminate your access to and use of this Site at any time and for any reason whatsoever, without notice or liability. The Company will not be liable to you or any third party for any termination of your access to or use of this Site.

Integration and severability

If any provision of these Terms of Use is deemed unlawful, void or unenforceable, then that provision will be deemed severable from these Terms of Use and will not affect the validity and enforceability of the remaining provisions. These Terms of Use represent the entire agreement between you and The Company relating to the subject matter herein.

Applicable law and venue

By visiting this Site, You agree that the laws of the State of California, United States of America, without regard to principles of conflict of laws, will exclusively govern these Terms of Use and any dispute that might arise between You and The Company. If you take legal action relating to these Terms of Use, You agree to file such action in the County of Los Angeles, and You consent and submit to the personal jurisdiction of those courts for the purposes of litigating any such action