Terms & Conditions
Introduction
The following terms and conditions (“Terms and Conditions”) govern use of this website (www.jmbinsurance.com). Use of the JMB Insurance website constitutes acceptance of these terms and conditions. You should cease use of this website if you do not agree with these terms and conditions.
The JMB Insurance website presents information and content that is owned or licensed by JMB Insurance Agency, Inc. (JMB Insurance”). When used in these Terms and Conditions, “we” and “our” mean JMB Insurance and “you” and “your” refers to any individual or entity that accesses or otherwise uses the JMB Insurance website.
Other Agreements
These Terms and Conditions apply only to use of the JMB Insurance website and do not modify any other agreement or contract that may exist between you and JMB Insurance (“Other Agreements”). In the event of any conflict between these Terms and Conditions and such Other Agreements, the Other Agreements govern and control.
Do Not Rely on This Website for Your Financial or Legal Decisions
Content published on the JMB Insurance website is for informational purposes only. Consult your financial and legal advisors and independently verify all information whenever making any financial decision. Nothing on the JMB Insurance website should be construed as rendering tax, legal, investment, insurance, or accounting advice, nor should it be construed to bind coverage, unless otherwise expressly stated. Insureds should consult with their insurance advisors regarding specific coverage issues.
Scope of Use
Use of the JMB Insurance website to perform or participate in any illegal activity is prohibited.
You further agree that you are solely responsible for (and that JMB Insurance has no responsibility to you or to any third party for) any content that you create, transmit, or display while using the JMB Insurance website or services. You likewise agree that you are responsible for the consequences of your actions (including any loss that JMB Insurance may suffer).
Prohibited Emails, Posts on JMB Insurance-Supported Forums or Blogs, etc.
JMB Insurance’s email system is a private email system. Numerous or bulk unsolicited commercial email messages are prohibited. Emails intended to, or appearing to be intended to, harass, embarrass, threaten, defame, or impersonate any person or containing pornographic, offensive, indecent, or discriminatory matter is prohibited.
You agree not to access (or attempt to access) any of the JMB Insurance website or services by any means other than through the interface that is provided by JMB Insurance, unless you have been specifically allowed to do so in a separate written agreement with JMB Insurance. You specifically agree not to access (or attempt to access) any of the JMB Insurance website or services through any automated means (including the use of scripts or web crawlers).
Copyright, Intellectual Property Ownership and Use of Content
JMB Insurance respects the intellectual property of others, and we ask our users to do the same. JMB Insurance has no responsibility for content on other websites that you may find or access when using JMB Insurance’s website. Material available on or through other websites may be protected by copyright and the intellectual property laws of the United States and/or other countries. The terms of use of those websites, and not the JMB Insurance’s Terms of Service, govern your use of that material. Except as may be otherwise provided by applicable law or written agreement with JMB Insurance, all information and content on the JMB Insurance website, including, but not limited to, all text, analyses, reports, articles, graphics, video and audio files, photos, trademarks, service marks and trade dress is owned or licensed by JMB Insurance. The content is protected worldwide by applicable intellectual property laws. Unless you have agreed otherwise in writing with JMB Insurance, nothing in these Terms and Conditions gives you a right to use any of JMB Insurance’s trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You may, however, make and use printouts of the content for your personal, non-commercial use only, provided that the printouts retain all copyright, trademark, and other proprietary notices. JMB Insurance reserves the right to terminate, at any time, your right to make personal copies of content. You may not copy, transmit, distribute, modify, publicly perform, reuse, sell, or display any of the content for any public or commercial purpose except with the prior written consent of JMB Insurance or the owners of the materials, which they may issue in their sole discretion. In addition, you may not use the content in any other website or in a network computer environment, including framing the content within another website. Except for the limited use rights expressly provided in this paragraph, all rights in content are reserved.
Trademarks of JMB Realty Corporation including JMB®, JMBI, JMB Insurance℠ and JMB Insurance Agency℠ are used under license.
Insight. Action. Results™ is a trademark of JMB Insurance Agency, Inc.
If you have been given an explicit right to use any of these brand features in a separate written agreement with JMB Insurance, then you agree that your use of such features shall be in compliance with that agreement, any applicable provisions of these Terms and Conditions, and any other applicable JMB Insurance policies that it may publish from time to time.
License
JMB Insurance gives you a personal, worldwide, royalty-free, non-assignable, and non-exclusive license to use the JMB Insurance website. This license is for the sole purpose of enabling you to use and enjoy the benefit of the JMB Insurance website in the manner permitted by these Terms and Conditions.
Submissions Made to JMB Insurance
You may be required to provide information about yourself (such as contact details) as part the “Get in Touch” process or via email. You agree that any information you give to JMB Insurance will always be accurate, correct, and up-to-date.
By providing information or materials to the JMB Insurance website (other than personal information subject to JMB Insurance’s Privacy Policy, you grant to JMB Insurance an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, and transmit such information and materials for any purpose, including without limitation, disclosing any such information and materials as necessary to satisfy any law, regulation, or governmental request. In addition, JMB Insurance is free to use any ideas, concepts, know-how, or techniques that you may submit to JMB Insurance through the JMB Insurance website for any purpose, including, but not limited to, improving our services. JMB Insurance shall not be subject to any obligations of confidentiality regarding the information or materials that you submit except as specified in JMB Insurance’s Privacy Statement, as set forth in Other Agreements, or as otherwise required by law. Although JMB Insurance will make reasonable efforts to protect and secure the personal information it receives, you should remember that email submissions over the internet may not be secure and are subject to the risk of interception by third parties. Please consider this fact before emailing or electronically submitting any personal or confidential information. JMB Insurance recommends that you encrypt personal or confidential information before submitting it over the internet.
Jurisdictional Statement: United States Only
The services and products described and information provided through the JMB Insurance website are directed to and are intended to be made available only to persons in the United States and are not intended for distribution to, or use by, any person in any other country or any jurisdiction where such distribution or use would be contrary to law or regulation or that would subject JMB Insurance to any registration requirement within such jurisdiction or country. Materials from the JMB Insurance website may be subject to export controls imposed by the United States and may not be downloaded or otherwise exported to any country or anyone prohibited by law. JMB Insurance prohibits your downloading or exporting of material from the JMB Insurance website in violation of U.S. Export Laws and/or the laws of your resident country. By downloading material from the JMB Insurance website, you represent and warrant that you are able to do so in full compliance with all applicable laws.
Warranty Disclaimer
We strive to provide accurate and up-to-date material on the JMB Insurance website. JMB Insurance and its licensors make no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors or inaccuracies. Use of the JMB Insurance website and its content is at your own risk. JMB Insurance assumes no responsibility to keep content current or to correct inaccuracies or errors in content. The content published on the JMB Insurance website and the operation of this site is provided “as is” and for informational purposes only, and JMB Insurance disclaims all representations or warranties of any kind, either express or implied, including warranties of merchantability, fitness for particular purpose, title, non-infringement, accuracy, completeness, and timeliness. Some jurisdictions may not permit certain disclaimers of warranties. In such case, JMB Insurance disclaims warranties to the fullest extent permitted by the applicable law.
Responsibility for Security
JMB Insurance does not warrant that the JMB Insurance website will operate error-free or are free from viruses, worms, Trojan horses, or other destructive or harmful code. JMB Insurance assumes no liability or responsibility for any damages to you, your computer, or other property due to your access to, use of, or downloading of content from the JMB Insurance website. If you download or copy content from the JMB Insurance website, you are responsible for taking all reasonable precautions necessary to ensure the security and integrity of your computer and systems, including employing current virus protection software.
Hyperlinks
Hyperlinks from the JMB Insurance website to a non-JMB Insurance website may be provided for users’ convenience only. JMB Insurance does not guarantee that the hyperlinks, pointer or other linking functions set out on the sites will be accurate at the time of your access. Moreover, the sites pointed at by hyperlinks are developed and possibly maintained by persons over whom JMB Insurance has no control. JMB Insurance does not control or review these sites nor does the provision of any link imply an endorsement or association of such non-JMB Insurance sites. JMB Insurance is not responsible for and makes no representation or warranty regarding the contents, completeness or accuracy, or security of any materials on such sites. JMB Insurance cannot and does not monitor the sites linked to our pages on the Internet. Accordingly, we assume no responsibility for the content of any sites referenced to or by any hyperlink or otherwise. We believe that making hyperlinks available to publicly accessible web pages and news groups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet. If you decide to access such non-JMB Insurance sites, you do so at your own risk. You may not provide hyperlinks to this website without the prior written consent of JMB Insurance.
Limitation of Liability
In no event shall JMB Insurance or any other party involved in creating, producing, or delivering the JMB Insurance website or content on JMB Insurance’s behalf be liable for any direct, incidental, special, consequential, indirect, lost profits, loss of business or data, or punitive damages arising out of your access to, or use of, or inability to access or use, the JMB Insurance website, or any content, or the performance of any product thereon, even if JMB Insurance is expressly advised of the possibility of such damages.
Changes to Website
JMB Insurance reserves the right to change the content on the JMB Insurance website and services provided, including these Terms and Conditions, from time to time without prior notice. The changes may include superseding terms and conditions, specific notices, or the discontinuation or disabling of any service, program, website, or mobile application. Review these terms and conditions periodically to be aware of any changes that are made. Your continued use of the JMB Insurance website constitutes your acceptance of any change or update, all of which shall become controlling when posted.
Governing Law
These Terms and Conditions shall be governed by, and construed in accordance with, the laws of the United States and the State of Illinois, without giving effect to conflict of law principles thereof.
Reservation of Rights
JMB Insurance reserves the right to seek all remedies available at law and in equity for violations of these Terms and Conditions, including the right to block access from a particular internet address. JMB Insurance does not intend to market any products or services to children and does not knowingly collect personal information from them. By using the JMB Insurance website, you represent that you are at least 18 years old. If you are under 18 years old, do not use the JMB Insurance website.
Severability
If any provision of these Terms and Conditions is held invalid, void, or unenforceable, then that provision will be considered severable and the remaining provisions shall remain in full force and effect.