This Web site is owned and operated by CHOICE Insurance, LLC. (hereinafter "CHOICE"). These Terms and Conditions govern use of this site. By accessing this site, you indicate acknowledgement and acceptance of these Terms and Conditions and our Privacy Policy. CHOICE shall have the right, at its discretion, to change, modify, add, or remove terms of these Terms and Conditions at any time without notice. Changes shall be effective immediately. You agree to review these Terms and Conditions regularly since subsequent use by you of this site shall constitute your acceptance of any changes.

Privacy Policy

Please review the Privacy Policy, which also governs your visit to this site, to fully understand CHOICE's practices.

Information about Intellectual Property

CHOICE Insurance (& design) SM , and other marks are service marks and trademarks of CHOICE. No trademark or service mark license is granted in connection with the materials contained in this Web site. Access to the site does not authorize anyone to use any name, logo, or mark contained in this site in any manner. All other material and content accessible from this Web site is: Copyright © 2008 CHOICE Insurance, LLC. or third-party content providers and is protected by U.S. and international copyright law. All rights reserved.The material and content (hereinafter "Content") accessible from this Web site, and any other World Wide Web site owned, operated, licensed, or controlled by CHOICE is the proprietary information of CHOICE or the party that provided the Content to CHOICE, and CHOICE or the party who provided the Content to CHOICE retains all right, title, and interest in and to the Content.

Restrictions on Use

The purpose of this Web site is to provide information to prospective and current policyholders about various insurance products and related topics. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, or other content, software, products or services obtained from this Web site. This prohibition includes, without limitation, the practices of "screen scraping" or "database scraping" to obtain lists of users or other information. In addition, the Content may not be taken out of context or presented in an unfair, misleading, or discriminatory manner. You may print out single copies solely for personal or company use. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of the Content.

You have a limited license to use this site solely for the purposes expressly permitted in these Terms and Conditions. You may not use this site for any other purposes, including any commercial purpose, without CHOICE's express prior written consent. For example, you may not (and may not authorize any other party to) (1) co-brand this site, (2) frame this site, (3) use meta tags or any other "hidden text" utilizing CHOICE's name or trademarks, or (4) hyper-link this site, without express, prior written permission from an authorized representative of CHOICE. "Co-branding" means to display a name, logo, trademark, or other means of attribution or identification of any party in such manner as is reasonably likely to give a user the impression that such other party has the right to display, publish, or distribute this Web site or its Content. You agree to cooperate with CHOICE in causing any unauthorized co-branding, framing, use of meta tags or other "hidden text," or hyper-linking immediately to cease. Any unauthorized use terminates the license granted by Chappell Smith hereunder.

Modification or use of the Content except as expressly provided violates Chappell Smith's intellectual property rights. Neither title to nor right to use any intellectual property rights are transferred to you by access to this site.

Use of this site is at your own risk. This site may contain advice, opinions, and statements of various information providers and content providers. Chappell Smith does not represent or endorse the accuracy or reliability of any advice, opinion, statement or other content provided by any information provider or content provider, or any user of this site or other person or entity. Reliance upon any such opinion, advice, statement, or other information shall be at your own risk.

Limitation of Liability

Neither Chappell Smith nor its affiliates, subsidiaries, licensors, service providers, content providers, employees, agents, officers, or directors shall be liable to you or anyone else for any inaccuracy, error, omission, interruption, timeliness, completeness, deletion, defect, failure of performance, computer virus, communication line failure, alteration of, or use of any content herein, regardless of cause, or for any damages resulting therefrom.

Statements, including without limitation, advice and recommendations made on this Web site concerning, but not limited to, various aspects of aviation insurance policies, claims, and benefits are intended solely to provide educational and informational aid and are not intended to be, nor should they be considered, a substitute for professional advice. Prior to the execution of a purchase or sale of any insurance product, you are advised to consult with your insurance agent or other financial advisor or other professionals as appropriate to verify pricing and other information.

Neither Chappell Smith, its affiliates, subsidiaries, licensors, service providers, content providers, employees, agents, officers, or directors shall have any liability for insurance decisions based upon, or the results obtained from, the information provided. Neither Chappell Smith, its affiliates, information providers or content providers guarantee or warrant the timeliness, sequence, accuracy, or completeness of any such information.

Under no circumstances, including, but not limited to, negligence, shall Chappell Smith, or its affiliates, subsidiaries, licensors, service providers, content providers, employees, agents, officers, or directors be liable for any incidental, direct, indirect, punitive, actual, exemplary, special or consequential damages that result from the use of, or the inability to use, Chappell Smith's Content, even if Chappell Smith has been advised of the possibility of such damages. You specifically acknowledge and agree that Chappell Smith is not liable for any of your conduct.

Indemnity

You will indemnify and hold Chappell Smith and its affiliates, subsidiaries, licensors, service providers, content providers, employees, agents, officers, and directors harmless from and against any and all liabilities, expenses (including attorneys' fees), and damages arising out of claims resulting from your use of this Web site, including, without limitation, any claims alleging facts that if true would constitute a breach by you of these Terms and Conditions. If you are dissatisfied with any of Chappell Smith's Content, or with any of Chappell Smith's Terms and Conditions, your sole and exclusive remedy is to discontinue using Chappell Smith's Web site.

Links To Third-Parties' Web Sites

This Web site may be hyperlinked to Internet sites maintained by third parties. Chappell Smith does not operate or control in any respect any information, products, or services on such third-party sites. Third-party links are included solely for your convenience, and do not constitute any endorsement by Chappell Smith. You assume sole responsibility for use of third-party links and Chappell Smith makes no representations or warranties about the content, completeness, or accuracy of these hyperlinks or the sites hyperlinked to this site.

Modification

Chappell Smith shall have the right at any time to change or discontinue any aspect of the Web site, including, but not limited to, the community areas, content, hours of availability, and equipment needed to access and use the site. Such changes, modifications, additions, or deletions shall be effective immediately upon posting and any subsequent use by you after such posting shall conclusively be deemed to be acceptance by you of such changes, modifications, or deletions.

Termination

This agreement is effective until terminated by Chappell Smith, at any time without notice. In the event of termination, the disclaimers and limitations of liabilities set forth in these Terms and Conditions will survive.

General

Chappell Smith reserves the right to make any changes to this Web site at its sole discretion without notice. Chappell Smith reserves the right to monitor use of this site to determine compliance with these Terms and Conditions, and to deny access to this Web site to anyone at any time.This Agreement shall be deemed to include all other notices, policies, disclaimers, and other terms contained in this Web site; provided, however, that in the event of a conflict between such other terms and the terms of these Terms and Conditions, these Terms and Conditions shall control.

Jurisdiction

These Terms and Conditions will be governed and interpreted pursuant to the laws of the state of Tennessee , United States of America , notwithstanding any conflict of law principles. You specifically consent to personal jurisdiction in Tennessee in connection with any dispute between you and Chappell Smith arising out of these Terms and Conditions or pertaining to the subject matter hereof. The parties to these Terms and Conditions each agree that the exclusive venue for any dispute between the parties arising out of these Terms and Conditions or pertaining to the subject matter of these Terms and Conditions will be in the state and federal courts in Davidson County , Tennessee . If any part of these Terms and Conditions is found unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. These Terms and Conditions constitute the entire agreement among the parties relating to this subject matter.

Service Contact

Contact MichaelO@CHOICEinsurance.net with questions or problems with this Web site. You may also contact us at

Kirkland Headquarters:

Any rights not expressly granted herein are reserved.These Terms and Conditions are effective as of June 1, 2005. We reserve the right to change these Terms and Conditions at any time, and will post any changes as soon as they go into effect.

© 2008 CHOICE Insurance, LLC.