Terms & Conditions
Welcome and thank you for your interest in Kabco Group (“Kabco Group”). This website and any parent or child sites (collectively, the “Site”) allow users to access information about Kabco Group, its products and services, submit inquiries, and access other features made available through the Site. The Site, together with any online features and services provided by Kabco Group, are collectively referred to as the “Service.”
The terms of any insurance product, policy, plan, or service obtained through Kabco Group are governed by the applicable agreement, policy, plan documents, and applicable law. In the event of any conflict between these Terms of Use and an applicable policy or agreement, the applicable policy, plan documents, or agreement will control.
The Privacy Policy is incorporated into these Terms of Use. Any conflict between the Privacy Policy and these Terms of Use will be governed by the applicable policy.
1. Acceptance Of The Terms.
Please carefully read these Terms of Use and all other rules and guidelines that we may communicate to you from time to time through the Service, including the Privacy Policy, which is incorporated herein by reference (collectively, the “Terms”).
These Terms create a binding legal agreement between you and Kabco Group. By accessing, using, or otherwise availing yourself of the Service in any manner, you (“You” or “User”) acknowledge that you have read, understood, and agree to be bound by and comply with these Terms.
If at any time you do not agree to these Terms, you should immediately discontinue all use of the Service.
2. Accessing The Service.
Eligibility
You must be at least 16 years old to use the Service. Certain products, plans, applications, or activities presented through the Service may have additional age restrictions.
By using the Service, you represent that you are at least the minimum required age and are fully able and competent to enter into the terms, conditions, obligations, representations, and warranties set forth in these Terms.
By using or registering for the Service, you agree to abide by and comply with these Terms and acknowledge that you are accepting the benefits of the Service subject to these Terms.
Access.
Kabco Group grants you permission to access and use the Service in accordance with these Terms and consistent with the intended features of the Service, provided that:
- You use the Service solely for lawful and authorized purposes;
- You do not reproduce, modify, publicly display, publicly perform, distribute, or otherwise misuse any part of the Service or its content without authorization; and
- You do not engage in any prohibited or unlawful use of the Service.
3. Your Access To and Control Over Information
Account Information
Certain features of the Service may require you to create an account or provide personal information.
You represent and warrant that any information you provide to Kabco Group during registration, inquiry application, or at any other time will be true, accurate, current, and complete.
You agree to maintain and update your information as necessary to ensure that it remains accurate and current.
Password
If you create an account, you may be provided with login information, including a username and password.
Your account information is personal to you. You may not share your login credentials with third parties or allow unauthorized persons to access your account.
You are responsible for maintaining the confidentiality of your username and password and for activities conducted through your account.
If you believe that your account information has been compromised or that an unauthorized person has accessed your account, you should promptly notify Kabco Group using the contact information provided on the Site.
4. Ownership; Proprietary Rights
The Service is owned and operated by Kabco Group.
The visual interfaces, graphics, design, compilation, information, computer code, products, software, services, text, images, logos, trademarks, service marks, and other elements of the Service provided by Kabco Group (“Site Content”) are protected by applicable intellectual property and proprietary rights laws.
All Site Content is the property of Kabco Group, its affiliates, licensors, or other respective owners, except for User Content, to which you may retain applicable ownership rights.
You agree not to sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from, or otherwise make unauthorized use of Site Content.
Nothing in these Terms grants you any right or license to use Kabco Group’s intellectual property or the intellectual property of any third party without authorization.
5. Linked Accounts and Social Networking Sites
Kabco Group may, now or in the future, allow you to connect or interact with third-party services, including social
networking platforms (“Linked Accounts”).
If you choose to connect the Service to a third-party account, you authorize Kabco Group to interact with that account as permitted by the applicable third-party service and your settings.
Your use of any third-party service may be subject to additional terms and privacy policies established by that third party.
Kabco Group is not responsible for the policies, practices, content, or availability of third-party services.
6. Third Party Content
General
The Service may contain or display information, materials, links, advertisements, or other content provided by third parties (“Third Party Materials”).
The display of Third Party Materials does not imply sponsorship, endorsement, approval, or affiliation between Kabco Group and the applicable third party unless expressly stated.
Kabco Group does not guarantee the accuracy, timeliness, or completeness of Third Party Materials.
Your interaction with any third party accessed through the Service is at your own risk.
Third Party Links and References
The Service may contain references or links to third-party websites, products, or services that are not controlled by Kabco Group.
Kabco Group may provide such links as a convenience to you. Such links should not necessarily be considered endorsements or recommendations.
Kabco Group is not responsible for the content, privacy practices, security, availability, or other aspects of third-party websites or services.
Third Party Services
7. User Content
General
Access and Responsibility
License Grant by You to Kabco Group
You retain ownership rights in the original aspects of your User Content.
By submitting User Content to Kabco Group, you grant Kabco Group and its affiliates, service providers, partners,
successors, and permitted assigns a non-exclusive, royalty-free, worldwide license to use, reproduce, display,
distribute, modify, and otherwise use such User Content as reasonably necessary to operate, provide, improve,
promote, and maintain the Service, subject to applicable law and the Kabco Group Privacy Policy.
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