Terms and Conditions

Terms & Conditions for SMA Insurance Services.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE OR USING THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS SITE.

You are currently viewing a page of VGL Insurance Services LLC, DBA SMA Insurance Services: smains.com website (“Site”), or the software applications made available for use on or through computers and mobile devices (“App”) belonging to SMA or one of its subsidiaries or affiliates ("Company"). These Terms and Conditions govern Your access to and use of the Site or App, including any content, functionality, and services offered on or through the Site or App (“Services”). “You” and “Your” refer to any person who accesses or uses the Site, App or Services. There are certain sections or pages on this Site that may contain separate terms and conditions, which are in addition to these Terms and Conditions. In the event of a conflict, those additional terms and conditions, specific to those pages or App, will govern Your use. The Site is intended for individuals who are at least 16 years old. If You are under the age of 16 years old, please do not access this Site.

Conditions of Use.

By accessing this Site or App owned and maintained by the Company, You are indicating that You have read, consent, and agree to these Terms and Conditions. If You wish to not be bound to these Terms and Conditions, please discontinue using and accessing this Site immediately. These Terms and Conditions may be revised at any time by updating this notice and posting it on our Site or App. You are bound by any such revisions if You continue to use the Site or App after we have posted the changes, and we suggest that You periodically visit this page to review the most recent Terms and Conditions. If You decide to purchase insurance products or services from the Company, the Terms and Conditions specified in Your policy or agreement with the Company will apply.

Except as otherwise expressly permitted in writing by Company, no materials from this Site, App or any website owned, operated, licensed, or controlled by Company may be reproduced, republished, displayed, modified, or distributed in any way.

Unauthorized use of the Company’s Site or App is strictly prohibited. You are prohibited from using this Site in any manner that could damage, disrupt, overburden, interfere with, or impair any Company Site, servers, or networks. You may not use any means of systematic retrieval of data or content on our Site or App or any manual process or automated process in order to retrieve, index, scrape, data mine, or otherwise gather the content of the Site or App. You may use the Site or App for lawful purposes only. You agree not to use the Site or App in any way that violates any applicable laws or regulations.

Trademarks and Copyrights.

All trademarks, service marks, trade names, and related intellectual property rights located on the Site and App are solely the property of the Company. Nothing contained on the website should be construed as granting, by implication or otherwise, any license or right to use any trademark, service mark, trade name, logo, icon, and domain name displayed on this website. Any names of third-party products or services mentioned on the Site or App may be the trademarks or service marks of their respective owners. Your use of the trademarks, service marks, trade names, logos, icons, images and domain names displayed on this Site, or any other content on this website, except as provided herein, is strictly prohibited.

Links to Other Websites.

This Site or App may contain links to other websites which are not maintained or controlled by the Company. The company is not responsible for any third parties’ website content, products, privacy policies, or security. The inclusion of any links to such websites does not imply approval of or endorsement by the Company of those websites, their content, or their products and services.

Secured Areas/Passwords.

Some pages of the Site and the App are restricted only to independent agents, customers, and users who create an online account and require a user identification code or username and a password. As an authorized user of those pages of the Site or App, You are solely responsible for maintaining the confidentiality of any user identification code, username, password, and any other security data utilized for authentication. Unauthorized use of or access to these pages is strictly prohibited. Actual or attempted unauthorized use of or access to these pages may result in criminal and/or civil prosecution.

Products and Services.

The Company does not offer all of the products or services described on this Site in all states. None of the information contained in the Site or the App should be viewed as an offer to sell or as a solicitation to purchase any of our products or services. Rather, the information on our products and services is provided to You so that You can learn what products the Company generally offers. We may make improvements and/or changes in the products, services, and/or programs described on the Site or in the App at any time without notice.

Insurance coverage statements on the Site or in the App are for general description purposes only. Neither the Site nor the App shall amend, modify, or supplement any insurance policy. Consult the policy coverages in your policy document. Your agent or contact us for the name of an agent who can supply You with details regarding terms, conditions, coverage, exclusions, products, services, and programs that may be available to You. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the underwriting company providing such products or services.

Neither the Site nor the App makes any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Unless otherwise specified, products and services are available in the United States only.

Electronic transactions.

You may formally apply for insurance electronically on the Site. You represent that all information provided in Your application is true, accurate, current, and complete. By doing so, You are consenting to "electronically sign" Your insurance application and state-mandated forms rather than signing paper copies in wet ink. You may withdraw Your consent to conduct this insurance purchase electronically by terminating the session at any time before Your transaction is completed.

The Site or the App may contain an interactive insurance planning tool that provides suggestions about which insurance coverage, limits, and deductions may be right for You. You are responsible for reviewing the questions and defaulted answers for accuracy before completing the transaction.

Consent to Monitoring of Activity on Company Site or App

Company may monitor any use of the Site through cookies, web beacons, and other related technology to capture and share information about You or Your device with us or our service providers, and any information regarding how You interact with our Site, App, and online advertisements. We may retain information that may include records indicating clicks on pages or links, items that You view including videos, page views, time spent on pages, scrolling, geographic location, and other actions taken while using the Site for our commercial purposes. We also may record any information You include in applications or forms when obtaining an insurance quote or completing Your insurance application submission. Company may disclose any of the information, described above, to one or more third-party service providers. Your access and use of the Site or App is Your consent to the monitoring capabilities set forth herein, and the disclosure and use of such information.

When You visit our Site, You may see messages tailored to Your specific state or city. We are able to identify Your general geographic location using a system that recognizes and pinpoints the location of publicly routed IP addresses. Though we can identify Your geographic location, we do not receive Your personal information. We identify Your location only to provide a more tailored experience for You.

If You do not consent to the monitoring described here, You should not use the Site or App.

Disclaimer.

The information and descriptions contained on our Site are not intended to be a complete description of all terms, exclusions, and conditions applicable to every insurance product or service offered by the Company but are provided 'as is' and for general informational purposes. The company makes no representations or warranties that the materials are suitable for Your needs, are complete, timely, reliable, or are free from errors, inaccuracies, or typographical mistakes. The company does not warrant that the Site will operate error-free or is free from viruses, worms, Trojan horses, or other destructive or harmful code. The company also assumes no responsibility and shall not be liable for any damages to Your computer equipment or other property as a result of Your access to, use of, or browsing in the Site or Your downloading of any materials, data, text, images, video, or audio from this Site or arising in connection with any failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, or line or system failure.

COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. LIMITATION OF LIABILITY

To the maximum extent provided by law Company shall not be liable to You for damages of any kind whatsoever including, but not limited to, direct, indirect, consequential, special, incidental, including without limitation, lost profits or damages resulting from lost data or business interruption, or punitive damages of any kind whatsoever that may result from Your use of or inability to use this Site or the materials or services provided on this Site or the products or services received from this Site. Exemptions of implied warranties may not be allowed in all jurisdictions.

Software Licenses.

You acknowledge that any software available or provided to You on this Site may contain technology that is subject to strict controls by various agencies of the United States Government pursuant to United States export control laws and regulations. You hereby agree that You will not transfer or export such software outside of the United States (including, for example, providing such software to any foreign person or entity in the United States) or re-export such software outside the United States in violation of United States export laws and regulations. The company does not authorize the downloading or exportation of any software or technical data from this Site to any jurisdiction prohibited by the United States export controls laws and regulations.

Privacy.

Please see the Company’s Website and Mobile Data Privacy Policy. The Website and Mobile Data Privacy Policy explains what information the Company may collect from You on our Site and App and how that information will be used.