Acceptance of Terms. To obtain full access to the Premium Finance Advisors, Inc. website, you must read the terms and conditions of service set forth below (the “User Agreement”) and agree to be legally bound by the obligations imposed on you in this User Agreement. By using this website, you accept the terms and conditions of this Agreement. We may amend this User Agreement without notice to you by posting the changes on our website, and changes will be effective ten days after being posted.

Registered Users Limited. The services offered on this website are available only to individuals age 18 or over who are residents of the United States. We may refuse any or all of our services to anyone at any time, at our sole discretion.

Your Content & Information. All information, data, text, software, photographs, graphics, messages or other materials (“Content”) you upload, post or create using this website is solely your responsibility. You must evaluate and bear all risks associated with the use of any of your Content and materials. You represent and warrant to Premium Finance Advisors, Inc. that: (i) you and your authorized users have the full right, power, and authority to perform any function with relation to the Content (including without limitation uploading, posting, reproducing, distributing, publicly displaying and making derivative works from the Content) that you or they perform via the Premium Finance Advisors, Inc. website; (ii) your use and the use by your authorized users of the Content does not and will not infringe any copyright or right of privacy, violate any statutory or common law right; interfere with any intellectual property or other proprietary rights of any third party; or contain any matter that is libelous or otherwise in contravention of law; and (iii) Your Information will be true, accurate, current and complete at all times. All information you provide to us about yourself during the registration process or through any other feature on this website will be referred to as “Your Information.” Premium Finance Advisors, Inc. will only use Your Information in accordance with our Privacy Policy. We rely on your representations and warranties in this User Agreement.

You Will Comply with All Laws. When you use the Premium Finance Advisors, Inc. website in any way, you will comply at all times with all applicable United States federal, state and local laws, statutes, regulations, and ordinances and will not take any action that harms or violates the rights of any person or entity. If you do business outside the United States, you will comply with the laws of the country in which the business is conducted.

Indemnity. You will indemnify and hold Premium Finance Advisors, Inc., and its subsidiaries, affiliates, officers, shareholders, employees, agents, printers, contractors, vendors, co-branders, suppliers, internet service providers, and partners harmless from any loss, cost, claim, demand or other harm of any kind, including reasonable attorneys’ fees, due to or arising out of Your Information, your Content, your use of this website, the use of this website by any person who uses this website while logged on under your user name and password, mail sent using your user name and password, your default under any provision in this User Agreement, your violation of any laws and your violation of any rights of another person.

Termination. Premium Finance Advisors, Inc., in its sole discretion without notice to you, may: (1) terminate your access to its website or your use of any feature of its website, (2) remove and discard any of Your Information and your Content stored on the website, or (3) refuse to do any business and (4) terminate this website, or any feature on the website. Premium Finance Advisors, Inc. will not be liable to you or any third-party for any suspension or termination of your access to this website or your Content; except Premium Finance Advisors, Inc. will refund to you any unused amounts credited to your account.

Premium Finance Advisors, Inc.’s Proprietary Rights. This website and any necessary software used in connection with it (“Software”) contain proprietary and confidential information that is protected by applicable intellectual property and other laws. Content contained in sponsor advertisements or information presented to you on this website may be protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly authorized by Premium Finance Advisors, Inc. or its advertisers, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on this website or the Software, in whole or in part. Premium Finance Advisors, Inc. grants you a personal, non-transferable and non-exclusive right and license to use the object code of its Software on a single computer; provided that you do not (and do not allow any third party to) copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Software.

Disclaimer of Warranties. Your use of this website is at your sole risk. This website is provided on an “as is” and “as available” basis. Premium Finance Advisors, Inc. disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement. Premium Finance Advisors, Inc. makes no warranty that (1) the website will meet your requirements, (2) the website will be uninterrupted, timely, secure, or error-free, (3) the results that may be obtained from the use of the website will be accurate or reliable, (4) the quality of any products, services, information, or other material purchased or obtained by you through this website will meet your expectations, and (5) any errors in the Software will be corrected. Any material downloaded or otherwise obtained through the use of this website is done at your own discretion and risk and you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material. No advice or information, whether oral or written, obtained by you from Premium Finance Advisors, Inc. or through or from this website shall create any warranty not expressly stated in this user agreement.

Limitation of Liability. Premium Finance Advisors, Inc. will not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if Premium Finance Advisors, Inc. has been advised of the possibility of such damages), resulting from: (1) the use or the inability to use this website; (2) the cost of procuring substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from this website; (3) unauthorized access to or alteration of your transmissions or data; (4) statements or conduct of any third party on this website; or (5) any other matter relating to this website. Our liability, and the liability of our printers, suppliers, contractors and vendors, to you or any third parties in any circumstance is limited to the lesser of (1) the amount of fees you pay to us in the 12 months before the action giving rise to liability, or (2) $100.

Notice. Notices from us to you and from you to us may be given by either email or regular mail. Notice is deemed given 24 hours after an email is sent, unless the sending party is notified that the email address is invalid. If we use the U.S. mail to send you a notice, the notice will be deemed given 3 days after the date of mailing. This website may also provide notices of changes to the User Agreement or other matters by displaying notices or links to notices to you generally on the website.

Copyrights. Premium Finance Advisors, Inc. respects the intellectual property rights of others and we ask our users to do the same. You should assume that all text, graphics and images that you find on the World Wide Web are subject to a copyright. In general, it is a violation of federal law to copy text, graphics or images that are subject to a copyright and use the copyrighted material on the Premium Finance Advisors, Inc. website without the consent of the owner of the copyright. Before copying any text, graphics or images, you must confirm that it is in the public domain and not subject to a copyright or obtain the consent of the owner of the copyright to use the material on the Premium Finance Advisors, Inc. website. You authorize Premium Finance Advisors, Inc. to cooperate with copyright owners who claim that you have infringed or may infringe their intellectual property rights. This cooperation includes but is not limited to taking the following action without notice: disclosing Your Information and your Content to the copyright owner or its agent and destroying all alleged infringing material.

General Information. No agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship is intended or created by this Agreement. This User Agreement and the agreements incorporated herein are the entire agreements between you and Premium Finance Advisors, Inc. and governs your use of this website. This User Agreement supersedes any prior agreements between you and Premium Finance Advisors, Inc. You also may be subject to additional terms and conditions that may apply when you use affiliate or other services, third-party content or third-party software. The User Agreement and the relationship between you and Premium Finance Advisors, Inc. will be governed by the laws of the State of Illinois without regard to its conflict of law provisions. You and Premium Finance Advisors, Inc. agree to submit to the personal and exclusive jurisdiction of the courts located in Cook County, Illinois. The failure of a party to exercise or enforce any right or provision of this User Agreement will not constitute a waiver of the right or provision. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches.

Disclosures. This website is provided by Premium Finance Advisors, Inc.