Acceptance of Terms
These Terms of Service ("Terms") govern your use of the website and services provided by Underwrite Media Group, LLC, an Idaho limited liability company ("UMG," "we," "us," or "our"). By accessing our website or using our services, you agree to these Terms. If you do not agree, please do not use the website or services.
Description of Services
UMG is a production studio that builds structured underwriting communication deliverables for commercial insurance brokers, including prospect pages, underwriting submissions, stewardship reports, and industry campaigns. The specific scope of any engagement is defined in a separate written agreement between you and UMG.
Accounts and Access
Some features, such as the broker portal, require an account. You are responsible for keeping your login credentials confidential and for all activity that occurs under your account. Please notify us promptly if you believe your account has been accessed without authorization.
Acceptable Use
You agree to use the website and services only for lawful purposes and in a manner consistent with these Terms. You may not misuse the services, interfere with their operation, attempt to access areas or data you are not authorized to access, or use the services to infringe the rights of others.
Intellectual Property and Deliverables
The website, our brand, and the underlying templates, systems, and methods remain the property of UMG. Ownership and permitted use of the finished deliverables we produce for you are set out in your written agreement with us. Unless that agreement says otherwise, you may not resell or redistribute UMG templates or systems.
Fees and Billing
Fees, credits, and billing terms are described on our website for general reference and are subject to the written agreement between you and UMG. Pricing shown on the website is a placeholder for planning purposes and does not by itself create a binding commitment. The written agreement controls in the event of any conflict.
Disclaimers
The website and services are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, UMG disclaims all warranties, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted or error free.
Limitation of Liability
To the fullest extent permitted by law, UMG will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits or revenues, arising out of or related to your use of the website or services. Our total liability for any claim related to the services will not exceed the amounts you paid to UMG for the services giving rise to the claim.
Governing Law
These Terms are governed by the laws of the State of Idaho, without regard to its conflict of laws principles. Any dispute relating to these Terms or the services will be subject to the exclusive jurisdiction of the state and federal courts located in Idaho.
Changes to These Terms
We may update these Terms as our business or the law changes. When we do, we will revise the effective date above. Your continued use of the website or services after an update means you accept the revised Terms.
Contact
Questions about these Terms can be sent to tyler@underwritemediagroup.com.