Please read these Terms Of Use carefully before using this web site:

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These terms of use ("Legal Terms") describe the terms and conditions applicable to your access and use of the Barth Howard Insurance Agency web site (the "Web Site"). By using this Web Site, you are accepting and agreeing to these Legal Terms. If you do not agree to all of these Legal Terms, do not use this Web Site.

 

This site is not approved or endorsed by any of the insurance companies with which this agency does business.  Nothing in this site shall be construed as having been implicitly or explicitly approved by any insurance carrier.

 

Scope of Use

Barth Howard Insurance Agency invites you to view, use and download materials at this Web Site for your informational use, provided that you leave all the copyright notices or other proprietary notices intact. You may not store, modify, reproduce, transmit, distribute, repost, publicly display or otherwise use any content on this Web Site, or the design or layout of the Web Site or individual sections of it, in any form or media except with the express prior written permission of Barth Howard Insurance Agency.

 

The commercial use, reproduction, reposting, public display, transmission or distribution of any information, software, logo or other material available through the Web Site without the prior written consent of Barth Howard Insurance Agency is strictly prohibited.

Eligibility for Products and Services

You may not be eligible for all of the insurance products or services described in this Web Site. Reasons for lack of eligibility may be due to a number of underwriting criteria. Our insurance carriers reserve the right to determine all eligibility for such products or services at their sole discretion.

No Bound Coverage
No coverage may be bound or placed in force through this web site. Coverage may only be bound upon direct communication with Barth Howard Insurance Agency. DO NOT cancel existing coverage until notified by us that changes and/or new coverage is in force.  All quotes are subject to underwriting approval.

 

No Professional Advice

The information available on the Web Site is intended to be a general information resource regarding the matters covered, but is not offered as legal, accounting or other professional advice, and is not tailored to your specific circumstance. You should evaluate all information, opinions and advice available on this Web Site in consultation with Barth Howard Insurance Agency.

Links

Barth Howard Insurance Agency offers links to other web sites operated by other entities as a convenience to you. Barth Howard Insurance Agency makes no representation regarding the content or accuracy of any web site that you may access through this one. Barth Howard Insurance Agency does not monitor and is not responsible for the content found on other web sites that are linked from this Web Site. Inclusion of these links on Barth Howard Insurance Agency’s Web Site does not imply endorsement, recommendation or sponsorship for any linked web site or the services, products or advice described on the site. The views, opinions, statements, offers or other information or content expressed therein are those of the respective author(s) or distributor(s) and not Barth Howard Insurance Agency.

No Warranties 

The Web Site, any content, opinions or advice on the Web Site, and any products or services available through the Web Site (collectively, "Materials") are provided to you on an "as is," "as available" basis without warranty of any kind either express or implied including but not limited to any implied warranties of fitness for a particular purpose, accuracy, and non-infringement. These Materials may include online calculators available through the Web Site. You are responsible for taking all necessary precautions to ensure that any Materials you may obtain are free of viruses or any other harmful components. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant product or services agreement for the governing terms.

Limitation of Liability

Your use of the Materials is at your own risk.  Barth Howard Insurance Agency specifically disclaims any liability, whether based in contract, tort, negligence, strict liability or otherwise, for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with access to, use of or reliance on the Materials, or that arise in connection with mistakes or omissions in, or delays in transmission of, information to or from the user, interruptions in telecommunications connections to the Web Site or viruses that may infect your computer equipment or other property, whether caused in whole or in part by negligence, acts of God, telecommunications failure, theft or destruction of, or unauthorized access to the Web Site or the Materials.

Copyright

This Web Site is protected by U.S. and foreign copyright laws. Except as expressly provided under "Scope of Use" section above, you may not use, reproduce, modify, transmit, distribute, publicly display or perform this Web Site without Barth Howard Insurance Agency’s prior written permission.

Employment Opportunities

Barth Howard Insurance Agency is committed to the principles of equal employment opportunity. Applications are considered for all positions without regard to race, sex, sexual orientation, color, religion, national origin, age, disability (so long as such disability can be reasonably accommodated) or any other status protected by applicable law. Barth Howard Insurance Agency encourages all qualified applicants to apply. 

E-mail

E-mail submissions over the Internet may not be secure and are subject to the risk of interception by third parties. Please consider this fact before e-mailing any personal or confidential information.

Violations and Additional Policies

Barth Howard Insurance Agency reserves the right to seek all remedies available at law and in equity for violations of the rules and regulations set forth in this Web Site, including the right to block access from a particular Internet address to the Web Site. Our policies regarding privacy are incorporated into these Legal Terms by reference. Barth Howard Insurance Agency does not intend to market any products or services to children and does not knowingly collect personal information from children under the age of 13 through this Web Site.

Governing Law, Location and Miscellaneous

These Legal Terms shall be governed in all respects by the laws of the State of California USA, without reference to its choice of law rules. The Web Site is operated by Barth Howard Insurance Agency from its office in San Ramon, California. Barth Howard Insurance Agency makes no representation that the content of this Web Site is appropriate or available for use in other locations, and access to this Web Site from territories where the content of this Web Site may be illegal is prohibited. Those who choose to access this Web Site from other locations do so on their own initiative and are responsible for compliance with applicable local laws.