This document outlines Kirkland Insurance Services, Inc. Terms and Conditions of Use Agreement. This site and all associated trademarks are owned and maintained by Kirkland Insurance Services, Inc.

Terms and conditions

Please read this agreement entirely and carefully before accessing this website. By accessing the site, you agree to be bound by Kirkland Insurance Services, Inc. “Terms and Conditions of Use” as set forth below and our Privacy Policy Kirkland Insurance Services, Inc. reserves the right at its discretion to modify the Terms and Conditions of Use and Web Site Privacy Policy or any portion of the website without notice or liability. Your continued use of the website after any such modifications shall constitute your agreement to be bound by any such changes. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS OF THIS AGREEMENT OR DO NOT ACKNOWLEDGE RECEIPT OF OUR PRIVACY POLICY, YOU MAY NOT USE THIS SITE.

Minors

This website is not intended for the use of minors. You must be at least 18 years old to access the website or to use any of our products or services through the Site. By using the website, you represent that you are at least 18 years old and are otherwise authorized to access the website.

Disclaimer

KirklandInsurance.com is an online information and communication service that Kirkland Insurance Services, Inc. provides to the community for educational and insurance sales purposes only. The information provided should in no way be taken to be the provision or practice of medical, nursing or health care diagnosis, advice or services. Kirkland Insurance Services, Inc. has used reliable sources in an effort to provide broad consumer understanding and knowledge of insurance related topics. This information should not be considered complete or to be a substitute for a call, visit, consultation or advice from your physician, insurance company or other health care providers, as necessary. If you have specific health-related questions, please call your physician or other health care provider. If you have a health problem, or think you may, please consult your own physician. Do not depend on the information presented on this website, as each individual case is different.

In accessing this website and the Internet generally, you assume all responsibility and risk for use. While Kirkland Insurance Services, Inc. takes reasonable measures to protect its website, Kirkland Insurance Services, Inc. cannot guarantee that files available for downloading will be free of contaminating or destructive properties. Users are responsible for implementing sufficient procedures to protect themselves and their own computer systems.

THIS WEBSITE AND ITS CONTENT AND ALL SITE-RELATED SERVICES ARE PROVIDED “AS IS”, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THOSE OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OR ANY WARRANTY ARISING FROM A COURSE OF DEALING, USAGE OR TRADE PRACTICE. IN ADDITION, Kirkland Insurance Services, Inc. DISCLAIMS ANY REPRESENTATION OR WARRANTY THAT ANY INFORMATION ACCESSIBLE VIA THIS SITE IS ACCURATE, COMPLETE OR CURRENT OR THAT ACCESS TO THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE. Kirkland Insurance Services, Inc. WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU OR ANYONE ELSE IN RELIANCE UPON THE INFORMATION PROVIDED.

Limitation of liability

YOU AGREE THAT USE OF OUR WEBSITE IS ENTIRELY AT YOUR OWN RISK. Kirkland Insurance Services, Inc. SHALL NOT BE LIABLE FOR ANY DAMAGES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, EVEN IF Kirkland Insurance Services, Inc. HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN AN ACTION UNDER CONTRACT, NEGLIGENCE, OR ANY OTHER THEORY, ARISING OUT OF OR IN CONNECTION WITH THE USE, INABILITY TO USE, OR PERFORMANCE OF THIS SITE OR THE INFORMATION, SERVICES, PRODUCTS, CONTENT AND OTHER MATERIALS AVAILABLE FROM OR THROUGH THIS SITE, INCLUDING WITHOUT LIMITATION ANY SUCH DAMAGES CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY, INOPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF ANY PERSONAL INFORMATION (AS THAT TERM IS DEFINED IN THE PRIVACY POLICY). YOU SPECIFICALLY ACKNOWLEDGE THAT Kirkland Insurance Services, Inc. SHALL NOT BE LIABLE FOR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER USERS OF THIS SITE OR THIRD PARTIES AND THAT THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH YOU. THE FOREGOING LIMITATIONS OF LIABILITY SHALL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Indemnification

Upon our request, you agree to defend, indemnify and hold us (and our affiliates, employees, contractors, officers, directors, co-branders, vendors, and content providers) harmless from any dispute, loss, claim, damages or expense (including reasonable attorneys’ fees and court costs) which may arise from or relate to your breach of any of the terms and conditions of this Agreement or which may arise from or relate to any information, software, files, messages or other content placed on our website by you. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. In the event that we assume the exclusive defense and control of such a matter, you shall have no further obligation to provide indemnification to us in that matter.

Governing law

This Agreement and any disputes arising out of or related to the website shall be governed by, and construed and enforced in accordance with, the laws of the State of California, without regard to its choice of law rules.

Third party websites

Links to other websites are provided as a service to you. However, you must understand that other sites are neither managed nor controlled by Kirkland Insurance Services, Inc.. While Kirkland Insurance Services, Inc. makes reasonable efforts to include other sites that provide relevant information, neither Kirkland Insurance Services, Inc. nor its employees, agents or contractors, review, control or take responsibility for the content of these sites.

Online conduct

You agree not to use this service for any purpose that is unlawful or prohibited by this agreement. We reserve the right to deny access to any part of this service at our sole discretion. You are personally responsible for the material that you send.

We rely on the information provided by you in order to supply you with the most appropriate information and services. Therefore, the information you provide to us should be accurate, current and complete. You should promptly provide any updates or corrections necessary to keep such information accurate, current and complete at all times. If you do not provide accurate, current and complete information, the services we provide to you may not be effective.

You may not impersonate another person or entity, and you may not use this Web site to harass or stalk another user. You agree that you will not use this website to disperse chain letters, junk mail, “spamming” solicitations (commercial or otherwise) or bulk communications of any kind. Also, you agree that you will not use this website in any way that is inconsistent with any applicable law or regulation. If we become aware of any violation of these conditions, we reserve the right to terminate your access to this site without further notice or warning.

Consents and copyrights

All trademark, logo or copyrighted material contained within these pages is the sole property of Kirkland Insurance Services, Inc.. Any reproduction or redistribution of this material beyond personal use is prohibited without the express written consent of Kirkland Insurance Services, Inc. Any reproduction of illustrations or photographs appearing on these pages beyond personal use is strictly prohibited, unless prior written authorization is obtained from Kirkland Insurance Services, Inc.

Privacy policy

Kirkland Insurance Services, Inc. is dedicated to protecting the privacy of Kirkland Insurance Services, Inc. website users. Please refer to our Privacy Policy for further detail.

Collection of information

Kirkland Insurance Services, Inc. collects information about you only with your consent. By using this website, you consent to the collection and use of information as discussed below. Changes in this policy will be posted on this page so you will always know what information is being collected, how it is being used, and under what circumstances it is being disclosed.

Use of collected information.

Kirkland Insurance Services, Inc. does not send unsolicited email messages to users. Email messages sent to Kirkland Insurance Services, Inc. users are strictly limited to e-newsletter subscriptions, responses to questions or other uses in which the user has specifically requested the message or information about our services and quotes.

You may be asked for your email address and name as part of a newsletter subscription, survey, feedback form or other communication with or within Kirkland Insurance Services, Inc. You may choose to provide more information.

Kirkland Insurance Services, Inc. does not sell, trade, rent or share personal information about its users. The information collected about the domain name of the server from which you are visiting is aggregated and used to determine the number of visitors to our site each day and sources of traffic.

Electronic communications

You expressly consent and agree that Kirkland Insurance Services, Inc., its business associates, and other third parties, may send you periodic electronic communications for any lawful purpose, including routine business and/or marketing purposes, at any email address or phone number you provide. Messages may be sent by text (SMS), email, automatic telephone dialing systems (auto-dialer), prerecorded messages or live operator calls, and message and data rates may apply. You may opt out of receiving further automated, electronic communications at any time. The maximum number of text (SMS) marketing campaign messages will not exceed 5 per month.

Mobile text (SMS) alerts

You can receive text messages from Kirkland Insurance Services, Inc. through your mobile device. Message and data rates may apply.

By opting in to this service, you consent to receive mobile text alerts using an automatic telephone dialing system. Consent to receive marketing text messages is not required as a condition of purchasing any goods or services.

By signing up, you are confirming you are over the age of 13.

STOP Information

Text STOP to the number provided in the text message to stop receiving SMS messages from Kirkland Insurance Services, Inc. (you will receive a confirmation text).

Telephone communication using automatic telephone dialing system (ATDS)

You agree to allow Kirkland Insurance Services, Inc. to send you periodic telephone communications for marketing purposes. These messages may be automated or pre-recorded. Message and data rates may apply. You may opt out of receiving further marketing communications at any time. Kirkland Insurance Services, Inc. will continue to contact you for purposes related to your interest in our services.

Share your opinion

We welcome your questions and comments about privacy. Please feel free to email us at Service@kirklandins.com

Last updated: Jan. 23^rd 2023