Terms of Use & Privacy Notice

By using downs-insurance.com in any manner (whether browsing, using a calculator following a link, sending an e-mail to an Downs & Associates, Inc..com e-mail address, obtaining or saving or retrieving a premium estimate, making a purchase, or using any other content or materials), you agree to all terms and conditions contained or referenced in these Terms of Use. These Terms of Use apply only to your use of downs-insurance.com and do not change or alter any other agreement or contract between you and Downs & Associates, Inc..

Downs & Associates, Inc. reserves the right, in its sole discretion, to modify or change these Terms of Use at any time without prior notice to you. Your continued use of Downs-Insurance.com following the posting of any changes to the Terms of Use constitutes acceptance of those changes.

If at any time you choose not to accept these Terms of Use, please do not use this Web site or send e-mail to any Downs & Associates, Inc..com e-mail address.

Jurisdictional Statement
This Web site is controlled, operated and intended for use only in the United States of America. We do not represent that materials on this Web site are appropriate or made available for use outside of the United States of America.

Privacy Policy
Our Privacy Statement describes our use and protection of nonpublic personal information ("customer information"). We urge you to read our Privacy Statement.

Ownership of Materials & Restrictions on Use
The information on this Web site, along with any materials (including, for example, press releases and product descriptions) is the copyrighted work of Downs & Associates, Inc. and is protected under United States and worldwide copyright laws and treaty provisions.

Links to Other Web Sites
This Web site contains links to other sites. If you choose to use the services provided by those sites please be aware that Downs & Associates, Inc. is not responsible for the privacy practices of those sites, even though Downs & Associates, Inc.'s name or logo may appear on those sites. Downs & Associates, Inc. is not responsible for the contents of any linked site or any link contained in a linked site.

Disclaimers
THIS WEB SITE IS PROVIDED ON AN "AS IS" BASIS. TO THE EXTENT PERMITTED BY LAW, Downs & Associates, Inc. DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Downs & Associates, Inc. DOES NOT WARRANT THAT THE FUNCTIONALITY OR OPERATION OF THE Downs & Associates, Inc. WEB SITE WILL BE UNINTERRUPTED OR FREE FROM ERROR, THAT ANY DEFECTS IN THE WEB SITE WILL BE CORRECTED, OR THAT THE WEB SITE OR THE SERVER(S) THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL CONDITIONS OR COMPONENTS.

Downs & Associates, Inc. MAY CHANGE THE PROGRAMS OR PRODUCTS MENTIONED AT ANY TIME WITHOUT NOTICE. ADDITIONALLY, ALL INSURANCE PRODUCTS REFERRED TO IN THIS WEB SITE ARE SUBJECT TO AVAILABILITY AND QUALIFICATIONS. PRODUCT TERMS, CONDITIONS, AND EXCLUSIONS NOT DESCRIBED IN THIS WEB SITE MAY APPLY.

Limitation of Liability
TO THE EXTENT PERMITTED BY LAW, Downs & Associates, Inc. DISCLAIMS LIABILITY, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, FOR DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES) IN ANY WAY ARISING FROM THE FUNCTIONALITY OR OPERATION OF THIS WEB SITE (INCLUDING, BUT NOT LIMITED TO, DAMAGES ARISING FROM INTERRUPTIONS OF SERVICE OR DELAYS IN OPERATION OR TRANSMISSION), EVEN IF Downs & Associates, Inc. IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.