This User Terms of Service (“Terms”) sets forth the terms and conditions on which Bidwell Insurance Agency, Inc. is willing to permit your use of the Site, which by definition includes any services offered on the Site, and your responsibilities as a User. These Terms govern use of this website. Certain transactions or online services may require separate agreement to additional terms.

Permitted Use

You may access and use the Site for the purpose of obtaining or reviewing information regarding insurance products and services offered through Bidwell Insurance Agency, Inc. You are responsible for complying with any applicable federal, state, and local laws or regulations relating to your use of the Site.

Prohibited Use

You may not use the Site (i) in a manner that is prohibited by any law or regulation; (ii) using another person’s password without their permission or to impersonate or otherwise misrepresent your identity or affiliation; (iii) to access accounts which you are not authorized to access; (iv) to invade the privacy of third parties; (v) to violate, or facilitate or assist in violating, the security of the Site, whether intentionally, negligently or otherwise; or (vi) to transmit by means of the Site any data or material that contains software viruses or any other malicious code designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment.

Passwords and Account Users

If applicable, it is your responsibility to establish one or more passwords and accounts in connection with your use of the Site. Bidwell Insurance Agency, Inc. recommends that you routinely change your password(s) to help prevent the improper access or use of the Site by unauthorized individuals.

You are solely responsible for: (i) Maintaining the confidentiality of your password(s); (ii) Any and all activities that occur on the Site using your passwords; (iii) Managing the security and administration of your password(s) and accounts; and (iv) Promptly notifying Bidwell Insurance Agency, Inc. of any unauthorized use of your password(s) or activity pertaining to your accounts.

Bidwell Insurance Agency, Inc. shall not be liable for any loss or damage incurred in connection with your failure to comply with this section, including any misuse of passwords, failure to secure passwords and failure to terminate access to the Site by any person who does not retain authority to access the Site on your behalf.

Insurance Information and Coverage

Information provided on this website is for general informational purposes only and does not constitute a binder of insurance, a guarantee of coverage, a guarantee of premium or terms, or a modification of any insurance policy.

Insurance coverage is governed by the actual policy, endorsements, binders, applications, and other documents issued or accepted by the applicable insurance company. If website information differs from the terms of an insurance policy or insurance contract, the policy or contract controls.

Quotes, Applications, and Coverage Requests

Submitting an online form, application, questionnaire, email, voicemail, text message, or other communication to Bidwell Insurance Agency, Inc. does not create insurance coverage or bind an insurance policy.

Insurance coverage is not effective until it has been formally bound or issued by an authorized insurance company and confirmation has been provided by Bidwell Insurance Agency, Inc. or the applicable insurer.

Insurance quotations are subject to underwriting review, verification of information, eligibility requirements, carrier guidelines, inspections, loss history, and other factors determined by the applicable insurance company. A quotation is not a guarantee of final premium, coverage, eligibility, or issuance.

Requests to add, delete, modify, cancel, renew, or otherwise change insurance coverage are not effective merely because they are submitted through the website, email, voicemail, text message, or online form. Coverage changes are effective only when properly authorized, processed, and confirmed.

Certificates of Insurance

Submission of a certificate request does not guarantee that a certificate, endorsement, waiver, additional insured status, or other evidence of coverage can or will be issued.

Certificates of insurance do not amend, extend, or alter the coverage provided by an insurance policy. Requests requiring policy changes or endorsements remain subject to the terms of the applicable policy and approval by the insurance company where required.

Third-Party Insurance Companies and Services

This website may contain links to or provide access to insurance companies, managing general agents, wholesalers, premium finance companies, service providers, government agencies, and other third-party websites or services.

These organizations are independently operated. Bidwell Insurance Agency, Inc. does not control and is not responsible for their content, availability, underwriting decisions, privacy practices, security practices, terms, or independent actions.

DISCLAIMER OF WARRANTIES

THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF UNINTERRUPTED OR ERROR-FREE SERVICE, OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

LIMITATION OF LIABILITY

TO THE EXTENT PERMITTED BY LAW, BIDWELL INSURANCE AGENCY, INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, CONSEQUENTIAL OR EXEMPLARY DAMAGES ARISING OUT OF OR IN ANY WAY RELATED TO THE USE OF THE SITE, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, LOSS OF USE, LOSS OF DATA OR OTHER INTANGIBLE LOSSES, EVEN IF BIDWELL INSURANCE AGENCY, INC. HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Modification of Terms

Bidwell Insurance Agency, Inc. reserves the right to modify these Terms in any manner and at any time, without notice or liability.

Termination

Bidwell Insurance Agency, Inc. may, in its sole discretion, refuse, restrict or terminate your access to the Site for any reason, with or without prior notice.

General

Trademarks. You may not use Bidwell Insurance Agency, Inc.’s name or trademarks without its prior written permission.

Cookies. The Site may use cookies and similar technologies for website functionality, security, administration, accessibility, session management, and limited website traffic or performance measurement. Additional information regarding our use of website technologies and third-party service providers is available in our Privacy Policy.

Governing Law. These Terms and all other aspects of your use of the Site shall be governed by and construed in accordance with the laws of the State of California and such laws will apply without regard to principles of conflict of laws.

Dispute Resolution. To the extent an enforceable agreement to these Terms exists and applicable law permits, claims and disputes arising out of these Terms or use of the Site may be required to be resolved by binding arbitration pursuant to the applicable rules of the American Arbitration Association. Any arbitration proceeding shall take place in Chico, California, unless otherwise required by applicable law or agreed by the parties.

Waiver. The failure of Bidwell Insurance Agency, Inc. to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.