W. Brown & Associates Insurance Services (WBAIS) is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the WBAIS website and governs data collection and usage. By using the WBAIS website, you consent to the data practices described in this statement.

 

 

WBAIS may collect personally identifiable information, such as your e-mail address, etc. as well as anonymous demographic information, which is not unique to you.

 

There is also information about your computer hardware and software that is automatically collected. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by WBAIS solely for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the WBAIS website.

 

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through this website, this information may be collected and used by others. Note: WBAIS does not read any private online communications.

 

You are encouraged to review the privacy statements of websites you choose to link to from WBAIS so that you can understand how those websites collect, use and share your information. WBAIS is not responsible for the privacy statements or other content on any website other than those we operate.

 

 

WBAIS does not sell, rent or lease its customer lists or any other personally identifiable to third parties. WBAIS may share data with trusted partners to help us perform statistical analysis, send you email or postal mail or to provide other customer services. All such third parties are prohibited from using your personal information except to provide these services to WBAIS, and they are required to maintain the confidentiality of your information.

 

WBAIS does not collect, use or disclose sensitive personal information, such as your financial information race, religion, or political affiliations.

 

WBAIS may keep track of the features and pages our customers select within our website, in order to determine which are most popular. This data may be used to deliver customized content to customers whose choices indicate that they are interested in particular subject areas.

 

WBAIS will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on WBAIS or the site; (b) protect and defend the rights or property of WBAIS; and, (c) act under exigent circumstances to protect the personal safety of users of WBAIS, or the public.

 

 

WBAIS strives to secure your personal information from unauthorized access, use or disclosure. WBAIS secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information is transmitted to other Websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

 

 

WBAIS will occasionally update this Statement of Privacy to reflect company and customer feedback. WBAIS encourages you to periodically review this Statement to be informed of how we are protecting your information.

 

 

WBAIS welcomes your comments regarding this Statement of Privacy. If you believe that WBAIS has not adhered to this Statement, please contact us. We will use commercially reasonable efforts to promptly determine and remedy the problem.

 

 

 

The WBAIS website is comprised of various web pages operated by WBAIS.

 

The WBAIS Website is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the WBAIS Website constitutes your agreement to all such terms, conditions, and notices.

 

 

WBAIS reserves the right to change the terms, conditions, and notices under which our website is offered.

 

 

The WBAIS website may contain links to other Websites ("Linked Sites"). The Linked Sites are not under the control of WBAIS and we are not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. WBAIS is not responsible for webcasting or any other form of transmission received from any Linked Site. WBAIS is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by WBAIS of the site or any association with its operators.

 

 

As a condition of your use of the WBAIS website, you warrant to WBAIS that you will not use the website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the WBAIS website in any manner which could damage, disable, overburden, or impair the website or interfere with any other party's use and enjoyment of the website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the WBAIS website.

 

 

The WBAIS website may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

WBAIS has no obligation to monitor the Communication Services. However, WBAIS reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. WBAIS reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

 

WBAIS reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in WBAIS’ sole discretion.

 

Always use caution when disclosing any personally identifying information in any Communication Service. WBAIS does not control or endorse the content, messages or information found in any Communication Service and, therefore, WBAIS specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized WBAIS spokespersons, and their views do not necessarily reflect those of WBAIS.

 

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

 

 

WBAIS does not claim ownership of the materials you provide to WBAIS (including feedback and suggestions) or post, upload, input or submit to any WBAIS Website or its associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting WBAIS, its affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

 

No compensation will be paid with respect to the use of your Submission, as provided herein. WBAIS is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in WBAIS’ sole discretion.

 

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

 

 

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE WBAIS WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. WBAIS AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE WBAIS WEBSITE AT ANY TIME. ADVICE RECEIVED VIA THE WBAIS WEBSITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

 

WBAIS AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE WBAIS WEBSITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. WBAIS AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

 

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WBAIS AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE WBAIS WEBSITE, WITH THE DELAY OR INABILITY TO USE THE WBAIS WEBSITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE WBAIS WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THE WBAIS WEBSITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF WBAIS OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE WBAIS WEBSITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WBAIS WEBSITE.

 

SERVICE CONTACT : jdelvecchio@wbais.com

 

 

WBAIS reserves the right, in its sole discretion, to terminate your access to the WBAIS website and the related services or any portion thereof at any time, without notice. GENERAL To the maximum extent permitted by law, this agreement is governed by the laws of the State of California, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in Orange County, California, U.S.A. in all disputes arising out of or relating to the use of this website. Use of the WBAIS website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and WBAIS as a result of this agreement or use of the WBAIS website. WBAIS’ performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of WBAIS’ right to comply with governmental, court and law enforcement requests or requirements relating to your use of the WBAIS website or information provided to or gathered by WBAIS with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and WBAIS with respect to the WBAIS Website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and WBAIS with respect to the WBAIS website. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent an d subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.

 

The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.

 

Any rights not expressly granted herein are reserved.

 

 

Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement under United States copyright law should be sent to Service Provider's Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE. See Notice and Procedure for Making Claims of Copyright Infringement.

 

 

 

Copyright 2008 WBAIS, Inc. All Rights Reserved.

 

 

Except as otherwise noted within this website, you are authorized to view, copy, print, and distribute documents within this website, subject to your agreement that:

Neither WBAIS nor any third party has conferred upon you any license or right under any patent, trademark, or copyright (except as expressly provided above).

 

WBAIS reserves the right to change this agreement at any time by publishing a revised version of this agreement on the site. You are responsible for regularly reviewing this agreement. Continued use of the site following any such changes means you accept and will abide by these changes.

 

 

All content on this Website is copyrighted as a collective work under the US copyright laws, and (unless otherwise noted) WBAIS owns the copyright to the selection, coordination, arrangement, and enhancement of the content. In addition, the photography, artwork and illustrations contained throughout the pages of this website are protected by copyright and may not be copied or otherwise reproduced without written permission.

 

Direct all questions concerning copyright and permissions to:

 

John J. Del Vecchio

W. Brown & Associates

19000 Mac Arthur Boulevard, Suite 700

Irvine, CA 92612

 

Various product names, logos, designs, titles, words or phrases within this website may be trademarks, service marks, or trade names of WBAIS or other entities, and may be registered in certain jurisdictions and countries. All other trademarks, product names, and company names and logos appearing on this website are the property of their respective owners and are mentioned without intent to infringe.

 

WBAIS trademarks may not be used in connection with any product or service that is not a WBAIS product or service, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits WBAIS.

 

 

This site may contain links and pointers to other Websites. WBAIS does not operate or control in any respect, or necessarily endorse, the content found on those sites and you assume sole responsibility for use of those links and pointers.

 

WBAIS encourages and appreciates links from other websites to this website. Permission is granted to place a link from another web page to the WBAIS landing page in its entirety. You must obtain permission, however, before placing a link in your own Web page to a portion of an WBAIS website page (e.g. a graphic). As a courtesy, if you link to or include the WBAIS website in an index, please let us know.

 

 

This website is provided "as is," for your information only. (See "Disclaimer" below.) You assume all risks concerning the suitability and accuracy of the information. The website may contain technical inaccuracies or typographical errors. WBAIS assumes no responsibility for and disclaims all liability for any such inaccuracies, errors, or omissions in this Website and in other documents referred to within or linked to this website.

 

All contents including technical specifications, and product offerings are subject to change without notice, at any time.

 

 

This website may be visited internationally and may contain references to WBAIS products, programs, and services that have not been announced in your country. These references do not imply that WBAIS intends to announce such products, programs or services in your country.

 

 

This site is controlled by WBAIS in the State of California. As such, California laws will govern these disclaimers, terms, and conditions, without giving effect to any principles of conflicts of laws.