Terms & Conditions

Effective Date: June 1, 2023

Please read these Terms and Conditions carefully before using mtloweinsurance.com, hereinafter referred to as “the website.” These Terms and Conditions govern your use of the website, provided by Mt. Lowe Insurance, also referred to as “Mt. Lowe,” “we,” “us,” or “our.” By accessing or using the website, you agree to be bound by these Terms and Conditions. If you do not agree with these terms, please refrain from using the website.

1. Use of the Website:
a. The website and its content are intended for informational purposes only. It does not constitute professional advice or create an insurance contract or relationship.
b. You agree to use the website in compliance with applicable laws, regulations, and these Terms and Conditions.
c. We reserve the right to modify, suspend, or discontinue the website or any part thereof, at any time, without prior notice.

2. Intellectual Property:
a. All content on the website, including text, images, logos, trademarks, and other materials, is protected by intellectual property rights and is owned or licensed by Mt. Lowe Insurance.
b. You may not reproduce, distribute, modify, transmit, or use any content from the website without our prior written consent.

3. Third-Party Links:
a. The website may contain links to third-party websites. We are not responsible for the content, accuracy, or availability of these linked websites.
b. Your use of third-party websites is at your own risk and subject to the terms and conditions of those websites.

4. Privacy:
a. Our collection and use of personal information on the website are governed by our Privacy Policy, which is incorporated by reference into these Terms and Conditions.

5. Limitation of Liability:
a. To the fullest extent permitted by law, we disclaim all warranties, express or implied, regarding the website’s operation, content, or services.
b. We shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of the website or any errors or omissions in its content.

6. Indemnification:
a. You agree to indemnify, defend, and hold harmless Mt. Lowe Insurance and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, or expenses arising out of your use of the website.

7. Governing Law:
a. These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of laws principles.

8. Entire Agreement:
a. These Terms and Conditions constitute the entire agreement between you and Mt. Lowe Insurance regarding your use of the website and supersede any prior agreements or understandings.

9. Contact Us:
a. If you have any questions or concerns about these Terms and Conditions, please contact us by sending us a message through our contact page or by clicking the button below.

By accessing or using the website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions. It is important to review these Terms and Conditions periodically for any updates or changes.