Except where otherwise indicated, all materials contained in this Web site are the property of CenCal Insurance Services Inc. The CenCal logo and all other service marks, including the names of various products and services described within and offered by CenCal, are service marks of CenCal Insurance Services Inc. or its affiliates.

Permission is hereby granted to use, copy and distribute these materials as presented in this Web site without alteration; provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.

Except as expressly provided herein, you shall not use any portion of this Web site, or any other intellectual property of CenCal 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 CenCal, is prohibited. Linking from another Web site to any page in this Web site is strictly prohibited without prior written permission.

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The information and descriptions contained in this Web site are intended as general information and are not necessarily complete descriptions of all terms, exclusions and conditions applicable to the products and services offered by CenCal. The insurance coverages offered by CenCal is subject to the terms and conditions of the policies issued. Product availability varies by state and your individual circumstances.

This site contains links to other Internet Web sites ("Third-Party Sites") that are not maintained by CenCal. These links are provided solely for your convenience. CenCal 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.

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Please review our Privacy Policy, which also governs your visit to this CenCal Web site.

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Some parts of the CenCal Web site are restricted and require a user identification code ("User ID") and a password for access. Unauthorized use of or access of such sites is strictly prohibited.

In accessing CenCal sites requiring a User ID and password, you agree that:

• CenCal is entitled to act on instructions received under your User ID and password.
  
• CenCal is not liable for any unauthorized access to your personal information that is not the direct result of gross negligence or intentional misconduct on the part of CenCal.
  
• You will keep your password confidential and you will notify CenCal immediately if you believe someone else has obtained your User ID and password or if any unauthorized access has occurred or may occur.
  
• CenCal may block access without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons.
  

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The content and materials in this site are provided "as is" and without representations or warranties of any kind, either express or implied. CenCal 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. CenCal 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 CenCal 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.

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CenCal 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, unless resulting from the gross negligence or intentional actions of CenCal, (b) the unauthorized access to or alteration of your transmissions or data, even if CenCal 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.

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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. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Contra Costa County, California.

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(s) shall not affect the validity or enforceability of the remaining provisions.

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