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THIS AGREEMENT MAY BE MODIFIED AT ANY TIME BY THE Owner. SUCH MODIFICATIONS SHALL BE EFFECTIVE IMMEDIATELY UPON POSTING THE MODIFIED AGREEMENT. YOU AGREE TO REVIEW THIS AGREEMENT PERIODICALLY TO ENSURE THAT YOU ARE AWARE OF ANY MODIFICATIONS. YOUR CONTINUED USE OR ACCESS OF THE Site SHALL BE DEEMED YOUR CONCLUSIVE ACCEPTANCE OF THE MODIFIED AGREEMENT.

The entire contents of the Site are copyrighted by the owner of 24-7-insurance.

The materials contained on the Site are not proposed for, nor should be misconstrued as, professional advice. The information is provided for general information purposes only and is not to be taken as professional insurance advice. The information provided by the Site should not be considered complete and does not cover all types or elements of insurance. For specific insurance questions users need to consult an insurance professional. You should never disregard professional advice or delay in seeking it because of something you have read on the Site.

The Owner does not endorse or recommend in any capacity any insurance companies advertised on this site. This includes the products and services of our advertisers and Site sponsors. While an earnest attempt is made to provide, and keep updated, accurate information on the Site the Owner does not guarantee the accuracy of said information, any individual reliance on said information is assumed at your own risk. The Owner disclaims all liability or responsibility for injury or impairment experienced by any users who utilize any products, services, information or concepts, contained on or referenced by the Site. The Owner is not liable nor accountable to users of this information nor anyone else for any decision made or action taken in reliance upon this information.

The Owner does not endorse the products, services, policies, practices of, or opinions expressed by our advertisers and Site sponsors. The Owner does not endorse the products, services, policies, practices of, or opinions expressed on those sites to which the Site links, including the information linked to in Site sponsor pop up windows. The Owner does not make any representations or warranties with respect to the accuracy of any items or claims contained therein. Utilization of the Site's links and the information found in the Site's sponsor's pop up windows is done so at your own risk.

The information provided by and accessed through the Site is provided "AS IS" and without warranty, express or implied. All implied warranties of merchantability and fitness for a particular use or purpose are hereby excluded. The Owner makes no warranty as to the reliability, accuracy, timeliness, usefulness or completeness of the information. The Owner cannot and does not warrant against human and machine errors, omissions, delays, interruptions or losses, including loss of data.

The Owner and information providers shall not be responsible for any information provided on the Site under any theory of liability or indemnity. Liability, if any, for damages (including, without limitation, liability arising out of contract, negligence, strict liability, tort or patent or copyright infringement) shall not exceed those fees paid by the user for the particular information provided. The Owner (including its officers, directors, employees, agents and information providers) shall not be liable for any damages other than the amount referred to above, and all other damages, direct or indirect, special, incidental, consequential or punitive, are hereby excluded even if the Owner has been advised of the possibility of such damages.