# Terms of Use ## SIGO TERMS OF USE Welcome to the website operated by Sigo Insurance Services (“Sigo,” “we,” “us,” or “our”). This Website (the “Sigo Website” or the “Website”) provides general information about Sigo and its products and services. All uses of the Sigo Website are subject to the following terms and conditions of use (these “Terms of Use”). Please read these Terms of Use carefully before accessing or using any part of this Website. By accessing or using this Website, you agree that you have read, understand and agree to be bound by these Terms of Use, as amended from time to time, as well as the Sigo Privacy Statement, which is hereby incorporated into these Terms of Use. If you do not wish to agree to these Terms of Use, do not access or use any part of this Website. Sigo may revise and update these Terms of Use at any time by posting the amended terms to this Website. Your continued use of the Sigo Website means that you accept and agree to the revised Terms of Use. If you disagree with the Terms of Use (as amended from time to time) or are dissatisfied with this Website, your sole and exclusive remedy is to discontinue using this Website. The most current version of these Terms of Use, which supersedes all previous versions, can be reviewed by clicking on the “Terms of Use” hyperlink. ## USE OF THE WEBSITE You agree to use the Sigo Website only for lawful purposes: 1. Specifically you agree not to do any of the following: (i) upload to or transmit on the Sigo Website any defamatory, indecent, obscene, harassing, violent or otherwise objectionable material, or any material that is, or may be, protected by copyright, without permission from the copyright owner; (ii) use the Sigo Website to violate the legal rights (including the rights of publicity and privacy) of others or to violate the laws of any jurisdiction; (iii) intercept or attempt to intercept electronic mail not intended for you; (iv) misrepresent an affiliation with any person or organization; (v) upload to or transmit on the Sigo Website any advertisements or solicitations of business; (vi) restrict or inhibit use of the Sigo Website by others; (vii) upload or otherwise transmit files that contain a virus or corrupted data; (viii) collect information about others (including e-mail addresses) without their consent; (ix) download a file or software or include in a message any software, files or links that you know, or have reason to believe, cannot be distributed legally over the Sigo Website or that you have a contractual obligation to keep confidential; (x) post “spam,” transmit chain letters or engage in other similar activities; or (xi) engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Sigo Website. 2. Any content and/or opinions uploaded, expressed or submitted to a message board, blog, chatroom or any other publicly available section of the Sigo Website (including password-protected areas), and all articles and responses to questions, other than the content provided by Sigo, are solely the opinions and responsibility of the person or entity submitting them and do not necessarily reflect the opinions of Sigo. You understand and acknowledge that you are responsible for whatever content you submit, and you, not Sigo, have full responsibility for such content, including its legality, reliability and appropriateness. 3. Sigo reserves the right, but does not assume any responsibility, to (i) remove any material posted on the Sigo Website which Sigo, in its sole discretion, deems inconsistent with the foregoing commitments, including any material Sigo has been notified, or has reason to believe, constitutes a copyright infringement; and (ii) terminate any user’s access to all or part of the Sigo Website. 4. Your failure to comply with the provisions may result in the termination of your access to the Sigo Website and may expose you to civil and/or criminal liability. ## COPYRIGHT RESTRICTIONS/USE OF CONTENT The entire contents of this Website (including all information, software, text, displays, images and audio) and the design, selection and arrangement thereof, are proprietary to Sigo or its licensors and are protected by United States and international laws regarding copyrights, trademarks, trade secrets and other proprietary rights. You are authorized only to use the content on the Sigo Website for personal use or legitimate business purposes related to your role as a current or prospective customer, supplier or distributor of Sigo. You may not copy, modify, create derivative works of, publicly display or perform, republish, store, transmit or distribute any of the material on this Website without the prior written consent of Sigo. ## TRADEMARKS The term “Sigo” is a trademark and the Sigo logo and all related product and service names, designs and slogans on our Website are trademarks of Sigo or its affiliates. You may not use such marks without Sigo’s prior written permission. ## DEALINGS WITH THIRD-PARTY MERCHANTS If you choose to correspond, participate in a promotion or engage in transactions with any merchant found on or through this Website, you acknowledge and agree that Sigo is not a party to, and will not be responsible for, your interaction with such merchant. ## LIABILITY OF SIGO AND ITS LICENSORS Sigo does not assume any liability for the materials, information and opinions provided on, or available through, the Sigo Website (the “Site Content”). The Site Content is not and should not be construed as insurance advice. Relying on the Site Content is solely at your own risk; Sigo disclaims any liability for injury or damages resulting from the use of any Site Content. The SIGO WEBSITE, THE SITE CONTENT AND THE PRODUCTS AND SERVICES PROVIDED ON OR AVAILABLE THROUGH THIS WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITH ALL FAULTS. NEITHER SIGO NOR ANY PERSON ASSOCIATED WITH SIGO MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE QUALITY, ACCURACY OR AVAILABILITY OF THE SIGO WEBSITE. ## SUBMISSION AND PROTECTION OF PERSONALLY IDENTIFIABLE INFORMATION Sigo’s use of your personal information and our responsibilities in connection with protecting your privacy are described in our Privacy Statement, which is hereby incorporated by reference into these Terms of Use. ## COMMENTS AND SUBMISSIONS Sigo welcomes your comments. All comments, suggestions or other information sent by you to this Website will become Sigo’s property, and you agree that all intellectual property rights therein are transferred to Sigo. ## LINKS TO OTHER SITES The Sigo Website may contain links to other web sites on the Internet. Sigo is not responsible for and does not endorse the content, products or services of any third-party Websites. ## U.S. GOVERNMENT USERS Use, duplication, or disclosure by the United States Government is subject to the restrictions set forth in DFARS 252.227-7013(c)(1)(ii) and FAR 52.227-19 and any other successor regulations that may be applicable. ## COMPLIANCE The owner of this Website is licensed as an insurance producer in the states where Sigo offers its products and services. ## INSURANCE QUOTES AND COVERAGES All quotes generated in this Website are based on information you provided on this Website, as well as, in some cases, information we obtain from third parties. ## CLAIMS SUBMISSIONS If you file a claim under your policy, the information you submit and the loss are subject to review and verification. ## REFUND POLICY All sales are final. If any portion of premium paid is unearned at the time of cancellation, it may be returned in accordance with policy documents. ## AGREEMENT TO CONDUCT ELECTRONIC We are required by law to provide certain disclosures to you before you enter into a transaction electronically via the Website or by phone. ## GOVERNING LAW These Terms of Use shall be governed in all respects by and construed in accordance with the laws of the State of New York, USA.