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  1. This website is owned and operated by Program Partners, Inc(hereinafter referred to as “Program Partners”).

  2. These terms of use apply to as well as any other affiliated websites, digital services, or applications on which a link to these terms of use appears (collectively referred to as the “Website”). Please review the terms of use before accessing this Website.

  3. By using this Website, you acknowledge:

    1. You are of legal age in your country or state, if applicable, to form a binding contract; and

    2. You have reviewed, understand, and agree to be legally bound by the following terms of use, as well as any additional terms contained within any other Website you access, without limitation or qualification (collectively, the “Terms of Use”).

  4. If you are using the Website on behalf of an individual or entity, you represent and warrant that you have authority to bind that individual or entity to the Terms of Use, and by accepting these Terms of Use, you are doing so on your own behalf of that individual or entity ( and all references to “you” and “your” in the Terms of Use shall refer to you, the user, as well as that individual or entity).

  5. If you do not agree to the Terms of Use, do not access the Website.

  6. From time to time, Program Partners may revise these Terms of Use at any time, without advanced notice, by updating this page. You will be bound by any such revisions and as such we advise you to periodically visit this posting to review the updated conditions to which you are bound.


  1. Your use of the Website is at your own risk.

    1. You understand and agree that, to the fullest extent permitted under applicable law, the information, materials, and date on the Website are provided on an “as-is” and “as available” basis, without warranties of any kind, expressed or implied.

    2. Program Partners disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose, non-infringement, completeness, or accuracy.

    3. Program Partners does not warrant that the Website, materials, or data, will be provided on a timely, uninterrupted or error-free basis, that defects or errors will be corrected, or that the Website, server or software that makes it available are non—infringing, or free of viruses or other harmful components.

  2. Program Partners does not warrant or make any representations regarding the use or the result of the use, of the materials on the Website in terms of their correctness, accuracy, completeness, reliability, or otherwise.

    1. You (and not Program Partners) assume the entire cost of all necessary servicing, repair, or correction of any device or computer you use to access the Website.

  3. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all applicable terms, exclusions and conditions and are provided solely for general informational purposes.

    1. All content provided on the Website is created upon date Program Partners believes to be dependable this information should be understood to be generic insurance information only.

    2. This information is not meant to be taken as advice with respect to any individual situation.

    3. These Terms of Use apply to the use of the Website and do not change or alter any other contract or agreement between you and Program Partners.

Restrictions on use

  1. Notwithstanding any agreement in writing to the contrary, no materials from the Website or any website owned, operated, licensed, or controlled by Program Partners may be copied, displayed, modified, reproduced, reposted, republished, reused, uploaded, performed, posted, transmitted, or distributed in any way.

    1. You may download material displayed on the Website for your personal and non-commercial use only, provided that you also retain all copyright and other proprietary notices contained on the materials.

    2. You may not frame or utilize framing techniques to enclose any content of the Website (including but not limited to text, forms, images, audio, video, trademarks, or logos) absent Program Partners’ express written consent.

    3. Program Partners neither warrants nor represents that your use of materials displayed on the Website will not infringe rights of third parties.

    4. At any time and for any reason, Program Partners may remove materials or software from the Website.

  2. Without limitation to the above, you agree that you will not:

    1. Use the Website or any materials contained on the Website to infringe the intellectual property rights of Program Partners or other third parties in any way;

    2. Use the Website, or make any attempt to penetrate, modify or manipulate the Website or any of Program Partners’ hardware or software, in order to:

      1. Invade the privacy of, or obtain any personal information about, any Program Partners customer or user of the Website;

      2. Modify, erase or damage any information contained on the computer of any user connected to the Website;

      3. Reverse engineer any portion of the Website;

      4. Perform any action with the intent on introducing to the Website any viruses, worms, defects, Trojan horses, malware, or other destructive items; or

      5. Interfere with or otherwise damage, disable, disrupt, impair, or overburden the Website, its software, its servers, or networks;

    3. Interfere with any other party’s use and enjoyment of the Website;

    4. Systematically retrieve content, or use data mining, robots, or similar data gathering and extraction tools, to create a collection, compilation, database, or directory, or otherwise harvest data or other information from the Website; or

    5. Use the Website for any unlawful, unauthorized, fraudulent, or malicious purpose.

Third Party Issues

  1. The Website may contain links to other websites which are not controlled, operated, or maintained by Program Partners.

    1. Program Partners is not responsible for the content of such websites.

    2. The inclusion of any link to such websites does not imply Program Partner's approval or endorsement of such sites or the content thereof.

    3. Program Partners cannot guarantee that the links set out on the Website will be accurate at the time of your access.

    4. The sites pointed at by links have been independently developed and possibly maintained by person(s) over whom Program Partners has no control.

  2. Program Partners cannot and does not monitor the third-party sites linked to its pages on the internet or any transmission made through the respective web pages.

    1. As a result, Program Partners assumes no responsibility for the content of any site referenced by any hyperlink or otherwise.

    2. Program Partners believes that our making available links to publicly accessible web pages is legally permissible and consistent with the common, customary expectations of those who make use of the internet.

    3. Any such third-party sites likely set forth specific terms of use and privacy policies available for review.

Liability Limitations

  1. While Program Partners uses reasonable efforts to include accurate and up-to-date information on the Website, errors or omissions sometimes occur.

    1. To the fullest extent permitted by applicable law, Program Partners makes no warranties or representations as to the accuracy of the content of the Website and under no circumstances, including, but not limited to, negligence, shall Program Partners or any party involved in creating, producing, or delivering the Website be liable to you for any damages, liabilities, fines, fees, penalties, interest obligations, deficiencies, losses or expenses, whether direct, incidental, consequential, indirect, special, exemplary or punitive damages, including but not limited to, damages for loss of use or loss of data,  that  are incidental to, resulting from, or arising out of the use of, or the inability to use, the Website, materials on the Website, or software, even if Program Partners or a Program Partners authorized representative has been advised of the possibility of such damages.

    2. In no event shall Program Partner’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing the Website.

    3. Program Partners also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect your computer equipment or other property as a result of your access to, use of, or browsing in the Website or your downloading of any materials, data, text, images, video, or audio from the Website.

  2. You (and not Program Partners) will be responsible for any liability arising out of:

    1. Your access to, or use of, the Website, the materials on the Website, or data in a manner other than as expressly authorized by these Terms of Use; or

    2. Your violation of applicable laws or any rights of any third party.


  1. You agree to defend, indemnify, and hold harmless Program Partners, including its subsidiaries, affiliates, and their respective successors, assigns, officers, directors, employees, and agents from and against any claim, demand, cause of action, debt, loss, liability, damages, or costs, including, without limitation, reasonable attorneys’ fees, to the extent that any of the foregoing is based upon, arises out of, or relates to:

    1. Your use of the Website, the materials or software on the Website; or

    2. Your violation of these Terms of Use.

  2. Program Partners reserves the right, at your expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with Program Partners in the defense of such matter.

  3. You agree not to settle any matter without the prior written consent of Program Partners.

Jurisdictional Issues

  1. The Website and all information and functionalities contained therein are not directed at or intended for use by any person resident or located in any jurisdiction where the distribution of such information or functionality is contrary to the laws of such jurisdiction.

    1. Unless otherwise expressly set forth herein, Program Partners makes no representation that materials on the Website are appropriate or available for use in any location.

    2. Those who choose to access the Website do so by their own initiative and are responsible for compliance with local laws.

  2. The Website is not intended to provide professional advice.

    1. Except as expressly set forth herein, the information contained on the Website is not an offer to sell or a solicitation to buy insurance product or service or other product or service offered by Program Partners.

    2. No insurance product or service or other product or service is offered or will be sold by Program Partners or, if sold by Program Partners, will be effective in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the insurance or other laws of such jurisdiction.

  3. Some products and services may not be available in all jurisdictions.

Ownership of information

  1. Any information, other than personal data or personal information you transmit to Program Partners via the Website, by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of Program Partners.

  2. Such information, other than personal data or personal information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting to social media.

  3. Program Partners is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Program Partners via the Website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information, without any obligation to you.

Copyrights and trademarks

  1. All trademarks, service marks, trade names, logos, and domain names are proprietary to Program Partners.

    1. Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark, service marks, trade names, logos, or domain names displayed on the Website without the prior written permission of Program Partners.

    2. The arrangement and layout of the Website, including but not limited to, the trademarks, images, text, graphics, buttons, screenshots, and other content or material, are the sole and exclusive property of Program Partners.

    3. Your use of the trademarks, service marks, trade names, logos, or domain names displayed on the Website, any other materials on the Website, or the arrangement or layout of the Website, except as provided herein, is strictly prohibited.

  2. Images, videos, and other materials displayed on the Website are either the property of or used with permission by Program Partners. The use of these images, videos or other materials by you, or anyone else authorized by you, is prohibited unless specifically permitted in writing by Program Partners.

    1. Any unauthorized use of images, videos, or other materials may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Governing law and venue

  1. These Terms of Use are to be construed in accordance with and governed by the internal laws of the State of Texas, without giving effect to any choice of law provisions.

  2. Sole and exclusive jurisdiction for any action or proceeding arising out of or in connection with these Terms of Use shall be in an appropriate state or federal court located in the State of Texas and the parties unconditionally waive their respective rights to a jury trial.

  3. You agree to that regardless of any statue or law to the contrary, any claim or cause of action arising out or in connection to use of this Website or these Terms of Use must be filed within one year after such claim or cause of action arose.

Entire Agreement and Severability

  1. These Terms of Use constitute the entire agreement between us with respect to the subject matter addressed herein, and govern your use of the Website, materials on the Website.

  2. These Terms of Use supersede all prior understandings or agreements between us relating to such subject matter.

  3. No delay or failure by Program Partners to act or exercise any rights under these Terms of Use or applicable law shall constitute a waiver thereof.

  4. If any portion of these Terms of Use is found to be unenforceable, the remaining sections of the Terms of Use will remain in effect. The section headings are for convenience only and do not have any force or effect.

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