Terms & Conditions

Please read these Terms and Conditions carefully before using this website and the services offered herein, which are operated by FLC Insurance Services, Inc,
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This Agreement sets forth the legally binding terms and conditions for your use of the Services. Your use of this Website is also governed by the FLC Insurance Services Inc., Privacy Policy, which is incorporated herein by reference. By accessing or using the Website or the Services in any manner, including, but not limited to, visiting or browsing the Website or providing information to utilize the Services offered, you unconditionally agree to be bound by these Terms & Conditions and the Privacy Policy. If you do not agree to be bound, please exit the Website immediately. It is your responsibility to read these Terms & Conditions and the Privacy Policy before using the Website.

COPYRIGHT AND INTELLECTUAL PROPERTY
This Website contains content, features and functionality that are owned by FLC Insurance Services, Inc., it's agents and designers and are protected by international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws. You may not take any action to steal, modify, change or copy any content, feature or functionality on this Website, as it is protected by intellectual property laws. In addition, you may not take any action to reverse engineer, duplicate, modify or steal any software or code contained on the Website.
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TERMINATION
FLC Insurance Services, Inc., may terminate your access to this Website or ability to use or utilize the Services, without cause or notice, which may result in the forfeiture and destruction of all information associated with you. All provisions in these Terms & Conditions that by their very nature should survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
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LINKS TO OTHER SITES
Our Website may contain links to third-party sites that are not owned or controlled by FLC Insurance Services, Inc. FLC Insurance Services, Inc., has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party sites or services. We strongly advise you to read the terms and conditions and privacy policy of any third-party sites that you visit.

DISCLAIMER OF WARRANTIES
‍THE USE OF THE WEB SITE, THE CONTENT OR INFORMATION CONTAINED ON THE WEBSITE IS PROVIDED SOLELY AT YOUR OWN RISK. THE WEBSITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. FLC INSURANCE SERVICES, INC., EXPRESSLY REMOVES ALL WARRANTIES OF ANY KIND WITH RESPECT TO THE WEBSITE AND ITS CONTENT, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. FLC INSURANCE SERVICES, INC., MAKES NO WARRANTY THAT THE WEBSITE AND/OR ANY CONTENT THEREIN WILL MEET YOUR REQUIREMENTS, OR WILL BE UNINTERRUPTED, TIMELY, SECURE, CURRENT, ACCURATE, COMPLETE OR ERROR-FREE OR THAT THE RESULTS THAT MAY BE OBTAINED BY USE OF THE WEBSITE AND/OR ANY CONTENT THEREIN WILL BE ACCURATE OR RELIABLE. YOU UNDERSTAND AND ACKNOWLEDGE THAT YOUR SOLE AND EXCLUSIVE REMEDY WITH RESPECT TO ANY DEFECT IN OR DISSATISFACTION WITH THE WEBSITE IS TO CEASE USING THE WEBSITE.
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LIMITATION OF LIABILITY
‍YOU EXPRESSLY UNDERSTAND AND AGREE THAT VELAPOINT SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA LOSS, OR OTHER LOSSES (EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM:THE USE OR INABILITY TO USE THE WEBSITE, INCLUDING, WITHOUT LIMITATION, WHETHER CAUSED BY A COMPUTER VIRUS, SOFTWARE BUG, HUMAN ACTION OR INACTION, MALFUNCTIONS OF ANY HARDWARE, SOFTWARE OR OTHER ELEMENT OF A COMPUTER SYSTEM, ERRORS, FAILURE, MALFUNCTION OR DELAY IN COMPUTER TRANSMISSION OR NETWORK CONNECTIONS. THE COST OF PROCUREMENT OF ANY SUBSTITUTE PRODUCTS AND/OR SERVICES RESULTING FROM ANY PRODUCTS, DATA, INFORMATION OR SERVICES OBTAINED OR WHICH YOU WERE UNABLE TO OBTAIN OR TRANSACTIONS AFFECTED OR FAILED TO BE AFFECTED, ANY LINK PROVIDED IN CONNECTION WITH THE SITE, OR ANY MATTER OTHERWISE RELATED TO YOUR USE OF THE WEBSITE.
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GOVERNING LAW.
This Agreement (and any further rules, polices, or guidelines incorporated by reference) shall be governed and construed in accordance with the laws of the State of Florida, without giving effect to any principles of conflicts of law.
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ARBITRATION AND CLASS ACTION WAIVER
By using the Website in any way, you unconditionally consent and agree that: (1) any claim, dispute, or controversy (whether in contract, tort, or otherwise) you may have against the officers, directors and employees of FLC Insurance Services, Inc., and its parent, subsidiaries, affiliates (all such individuals and entities collectively referred to herein as the “Company Entities”) arising out of, relating to, or connected in any way with the Website or the determination of the scope or applicability of this agreement to arbitrate, will be resolved exclusively by final and binding arbitration and conducted before a sole arbitrator. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act (“FAA”), 9 U.S.C. §§ 1-16; (2) the arbitrator’s decision shall be controlled by the Terms and Conditions and any of the other agreements referenced herein that the applicable user may have entered into in connection with the Website; (3) the arbitrator shall apply Florida law consistent with the FAA and applicable statutes of limitations, and shall honor claims of privilege recognized at law; (4) there shall be no authority for any claims to be arbitrated on a class or representative basis; arbitration can decide only your and/or the applicable Company Entity’s individual claims; the arbitrator may not consolidate or join the claims of other persons or parties who may be similarly situated; (5) the arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim without affecting other individuals; (6) the arbitrator shall not have the power to award punitive damages against you or any Company Entity.
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CHANGES TO THIS AGREEMENT
We reserve the right, at our sole discretion, to modify or replace these Terms of Service by posting the updated terms on the Site. Your continued use of the Site after any such changes constitutes Your acceptance of the new Terms of Service.
Please review this Agreement periodically for changes. If you do not agree to any of this Agreement or any changes to this Agreement, do not use, access or continue to access the Website or the Services immediately.
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MISCELLANEOUS
You agree that FLC Insurance Services, Inc., shall have no liability for the deletion or failure to store any message or communication to other type of content that is transmitted or displayed on the Website. These Terms and Conditions, including the Privacy Policy by incorporation, constitute the entire Agreement between you and FLC Insurance Services, Inc., regarding this Website and your use of the Website. Should any competent court of law find that any provision within these Terms and Conditions be invalid, the invalidity of that particular section shall not have an affect on the remainder of the Agreement, which shall remain in full force and effect. FLC Insurance Services, Inc., failure to enforce or exercise any right within these Terms and Conditions shall not constitute a waiver of such right or provision.

If you have any questions about this Agreement, please contact us at: admin@flcins.com,
or by regular mail at:
‍FLC Insurance Services, Inc.,
9100 S. Dadeland Blvd., Suite 1500
Miami, FL 33156