Terms and Conditions
2. Intellectual Property Rights
2.3. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, transmit or otherwise use any of the material on our website, except as follows:
2.3.1. Your computer may temporarily store copies of such materials from our website in RAM incidental to your accessing and viewing those materials.
2.3.2. You may store files that are automatically cached by your web browser for display enhancement purposes.
2.3.3. You may print or download one copy of a reasonable number of pages of the website for your own use and not for further reproduction, publication or distribution.
2.3.4. If we provide desktop, mobile or other applications for download, you may download a single copy to your computer or mobile device solely for your own use, provided you agree to be bound by applicable end user license or other agreements for such applications, if any.
2.3.5. You must not:
22.214.171.124. Modify copies of any materials from this website.
126.96.36.199. Use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text.
188.8.131.52. Delete or alter any copyright, trademark or other proprietary rights notices from copies of materials from this website.
2.6. Virtus does not represent or warrant that your use of materials displayed on the website will not infringe the rights of third parties not owned by or affiliated with Virtus.
3.1 While Virtus uses reasonable efforts to include accurate, complete and up-to-date information on the website, Virtus makes no guaranties, representations or warranties of any kind, whether express or implied, that any of the content on this website is accurate, complete, up-to-date, timely or otherwise applicable to you. Virtus assumes no liability or responsibility for any errors or omissions in the content of the website. This Section 3 shall not apply to documents or other content made available by or through the website if such documents or content arises out of insurance products or services you have purchased from or through Virtus.
4. Your Use of the Website.
4.1.4. You will not use the website to transmit or procure the sending of any advertising or promotional material, including any “junk mail,” “chain letter,” “spam” or any other, similar solicitation.
4.1.5. You will not engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the website, or that, as determined by us in our sole discretion, may harm Virtus or other users of the website, or expose Virtus or other users to liability.
4.1.6. You will not attempt to compromise the security of the website, including, but not limited to, by uploading viruses or other malicious code.
4.1.7. You will not attempt to circumvent any content filters or content filtering techniques used by Virtus.
4.1.8. You will access only those areas or features of the website that we have authorized you to access, and you will not attempt to access any areas or features of the website that you are not authorized to access.
4.1.9. You will not probe, scan or test the security or vulnerability of the website, including, but not limited to, any Virtus system, network or server.
6. Third Party Services & Links
6.2. When you click on one of the provided links, you are leaving our website to enter another site on the Internet. If you decide to access any of the third party sites linked to through our website, you do so entirely at your own risk. You agree that we are not liable for any harm or damages related to the purchase or use of goods, services, websites, resources, content or any other transactions made in connection with any third party websites or advertisers. Complaints, claims, concerns or questions regarding third party products or services should be directed to the third party. You hereby waive any claim against Virtus with respect to these third party websites.
7. Digital Millennium Copyright Act.
7.1. Virtus does not permit copyright infringing activities or infringement of intellectual property rights on the website.
7.2. If a person is a copyright owner or agent thereof and believes that any content posted on the website infringes upon another’s copyrights, such person may submit a notification pursuant to theDigital Millennium Copyright Act (“DMCA”) by providing Virtus’s copyright contact, identified below, with the following information, in writing:
7.2.1. Information identifying the copyrighted work that is claimed to have been infringed, such as the copyrighted work’s title, author, URL or other information;
7.2.2. Sufficient information allowing us to identify and locate the allegedly infringing material;
7.2.3. Your contact information, including your address, telephone number and email address, so that we may contact you;
7.2.4. A personal statement that you have a good faith belief that the use of allegedly infringing material is not authorized by the alleged copyright owner, its agent or law;
7.2.5. A statement, under penalty of perjury, that the information in your notification is accurate and that you are authorized to act on behalf of the alleged copyright owner; and
7.2.6. A physical or electronic signature of a person authorized to act on behalf of the alleged copyright owner.
7.3. We recommend that you speak to a legal advisor before filing a DMCA notice with our designated copyright contact to assess your rights.
7.3. 1.1. Please send all DMCA notices to Virtus’s copyright contact to receive notifications of claimed infringement at: firstname.lastname@example.org or 4550 W. 109th Street, Suite #301 Overland Park, KS 66211 Attn: General Counsel
9. DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY.
9.1. Your use and browsing of the website is at your risk. Neither Virtus nor any other party involved in creating, producing or delivering the website is liable for any direct, incidental, consequential, indirect or punitive damages arising out of your access to, or use of, the website. Without limiting the foregoing, except as expressly set forth herein, everything on the website is provided to you on an “AS IS” AND“AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED,INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY,OR FITNESS FOR ANY PARTICULAR PURPOSE AS TO THE OPERATION OF THE WEBSITE OR THE CONTENT OR INFORMATION ON THE WEBSITE, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.
9.2. Although we take reasonable steps to prevent the introduction of viruses, worms, Trojan horses or other malware or destructive materials, we do not guarantee or warrant that the website or materials that may be accessed or downloaded from the website do not contain such contaminating or destructive properties. You understand and agree that any content, files or other information downloaded or otherwise obtained through your use of the website is at your discretion and risk and that Virtus is not liable for any damages or harm to your device(s) or loss of data attributable to such content, files or information. If you rely upon the website or any materials available through the website, you do so solely at your own risk.Virtus is not responsible for any errors or omissions or for the results obtained from the use of any information provided on the website.
9.3. Virtus assumes no responsibility and assumes no liability for any content provided by you, another user or third party through our website. Virtus is not responsible for any content that maybe inappropriate, offensive, misleading, illegal or otherwise objectionable.
9.4. Virtus does not warrant that access to or use of the website will be uninterrupted, timely, secure or error-free. There may be delays, errors, defects, omissions, interruptions and inaccuracies in the information or other materials available on or through the website. Virtus is not responsible for the availability, use, timeliness, security, validity, accuracy or reliability of, or the results of the use of, the content of the website, or other any other website that may be linked to on through the website. Virtus reserves the right to correct any errors or omissions on the website and, to the extent it chooses to do so, shall make corrections inits sole discretion.
9.5. IN NO EVENT SHALL ANY VIRTUS PARTY HAVE ANY LIABILITY FOR ANY CLAIM, LOSS OR INJURY, INCLUDING, WITHOUT LIMITATION,INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, HOWEVER CAUSED AND ONANY THEORY OF LIABILITY, WHETHER FOR BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, ARISING OUT OF OR RELATED TO THE WEBSITE; THE USE ORTHE INABILITY TO USE THE WEBSITE; ANY CONTENT DISPLAYED ON OR PROVIDED VIA THE WEBSITE; ANY PRODUCTS OR SERVICES PURCHASED, LICENSED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO BY MEANS OF OR THROUGH THE WEBSITE; THE UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSION OR DATA; DELAY IN OPERATION OR TRANSMISSION; COMPUTER VIRUS; ANY INFORMATION THAT IS SENT OR RECEIVED OR NOT SENT OR RECEIVED; OR ANY USER CONTENT, IN ALL CASES REGARDLESS OF WHETHER VIRTUS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF ANY NEGLIGENCE OF VIRTUS, LLC OR ANY OF ITS AFFILIATES. THESE LIMITATIONS SHALL APPLY NOTWITHSTANDING ANY FAILURE OR ESSENTIAL PURPOSE OF ANY LIMITED REMEDY.
9.5.1. In no event will the aggregate liability of all Virtus Parties for any and all claims related to the website exceed the lesser of USD 100 and 10% of the total amount paid to Virtus by you within the last 12 months.
9.5.2. In those jurisdictions that prohibit the exclusion or limitation of liability for consequential or incidental damages, any such liability shall be limited to the maximum extent permitted by law.
10.2. Transmitted Information. Except with respect to any documents or other content you provide by or through the website at Virtus’s request or direction and in connection with insurance products or services you have purchased from or through Virtus: (a) any communication or material you transmit to the website by electronic mail or otherwise, including any data, questions, comments, suggestions or the like, is and will be treated as non-confidential and non-proprietary; and (b) anything you transmit or post may be used by Virtus for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, Virtus is free to use any ideas, concepts, know-how or techniques contained in any communication you send to the website for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products using such information. This means we can use the ideas you to provide us without compensating you.
10.3. Illicit Content. Although Virtus may from time to time monitor or review discussions, chats, postings, transmissions, bulletin boards and the like on the website, Virtus is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger or inaccuracy contained in any information contained within such locations on the website.You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic or profane material or any material that could constitute or encourage conduct that would be considered illegal or constitute a criminal offense, give rise to civil liability or otherwise violate any law. Virtus will fully cooperate with any lawful and enforceable request made by law enforcement or other public authorities or court orders requesting or directing Virtus to disclose the identity of anyone posting any such information or materials. When requested, we will cooperate fully with law enforcement agencies in any investigation of alleged illegal activity.
10.7. Responding to Lawful Disclosure Requests. Virtus may be required to disclose your information in response to a lawful and enforceable request by law enforcement, judicial body or other public authorities, or in connection with an enforceable legal obligation. In such instances, we will disclose your Personal Information upon receipt of an enforceable court order, subpoena or other lawful process, or where other wise required by law.