Terms of Use & Disclaimer

Limitation of Liability
To the fullest extent permissible pursuant to applicable law, the materials on this website are provided as is and without warranties of any kind, either expressed or implied. DeCotis Insurance (DeCotis) does not warrant or make any representations regarding the use or the results of the use, of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not DeCotis) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all applicable terms, exclusions and conditions and are provided solely for general informational purposes.

DeCotis, its respective service providers, employees, agents, officers and directors will not be liable to you for any punitive, indirect, direct, special, incidental, or consequential damages, including any lost profits, costs of procuring substitute service or lost opportunity, even if you notify DeCotis about the possibility of such damages related to the access, use, or content of the site. This limitation on liability includes, but is not limited to transmissions of viruses that infects a user’s equipment, mechanic or electronic equipment failure, failure of communication lines, telephone, unauthorized access, theft, operation errors, strikes, or other labor problems, or any force majeure.

Third Party Content
This website may link to other websites which are not maintained by DeCotis. DeCotis is not responsible for the content of such websites. The inclusion of any link to such websites does not imply DeCotis’s approval or endorsement of such sites or the content thereof. DeCotis cannot guarantee that the links set out on our website will be accurate at the time of your access. Moreover, the sites pointed at by links have been independently developed and possibly maintained by person(s) over whom DeCotis has no control.

DeCotis cannot and does not monitor the sites linked to its pages on the Internet or any transmission made through the respective web pages and news groups. Accordingly, DeCotis assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. DeCotis believes that making these links available to publicly accessible web pages is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Restrictions on Use of Materials
This website is owned and operated by DeCotis. Except as otherwise expressly permitted by DeCotis, no materials from this website or any website owned, operated, licensed or controlled by DeCotis may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without DeCotis’s prior written permission. DeCotis neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.

Trademarks and Copyrights
All trademarks, service marks, trade names, logos, and icons are proprietary to DeCotis. The trademarks, service marks, slogans, logos, trade dress and other identifiers displayed on the site are the property of DeCotis, unless otherwise disclosed. You are prohibited from using any trademarks, service marks, slogans, logos, or other identifiers for any purpose including, but not limited to, use on other materials, in presentations, as domain names, or as metatags, without the written permission of DeCotis. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of, or used with the permission by DeCotis. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by DeCotis. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

DeCotis reserves the right to change these Terms of Use in order to address future developments of DeCotis, the website, or changes in industry or legal trends.