TERMS OF USE
THIS WEBSITE IS BROUGHT TO YOU BY HAWAII INSURANCE BUREAU, INC. ("HIB"), SUBJECT TO THE FOLLOWING TERMS OF USE. THIS WEBSITE IS INTENDED FOR THE USE BY AUTHORIZED EMPLOYEES OF THE MEMBERS OR SUBSCRIBERS OF HIB ("YOU"). BY USING THIS WEBSITE, YOU ACKNOWLEDGE YOUR ASSENT TO THE FOLLOWING TERMS OF USE WITHOUT LIMITATION OR QUALIFICATION. PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS WEBSITE. THESE TERMS AND CONDITIONS MAY BE REVISED AT ANY TIME BY UPDATING THIS POSTING. YOU ARE BOUND BY ANY SUCH REVISIONS AND SHOULD THEREFORE PERIODICALLY VISIT THIS PAGE TO REVIEW THE CURRENT TERMS AND CONDITIONS TO WHICH YOU ARE BOUND. UNAUTHORIZED INDIVIDUALS ATTEMPTING TO ACCESS THIS WEBSITE ARE IN VIOLATION OF THESE TERMS OF USE AND MAY BE SUBJECT TO PROSECUTION AND APPLICABLE DAMAGES.

REGISTRATION OBLIGATIONS
IN CONSIDERATION OF YOUR USE OF THIS WEBSITE, YOU AGREE TO: (1) PROVIDE TRUE, ACCURATE, CURRENT, AND COMPLETE INFORMATION ABOUT YOURSELF AS PROMPTED BY THE USER ACCOUNT APPLICATION AND (2) MAINTAIN AND PROMPTLY UPDATE THE USER ACCOUNT APPLICATION TO KEEP IT TRUE, ACCURATE, CORRECT, AND COMPLETE. IF YOU PROVIDE ANY INFORMATION THAT IS INACCURATE, NOT CURRENT, OR INCOMPLETE, HIB HAS THE RIGHT TO SUSPEND OR TERMINATE YOUR ACCOUNT AND REFUSE ANY AND ALL CURRENT AND FUTURE USE OF THE WEBSITE (OR ANY PORTION THEREOF).

USER ACCOUNT, PASSWORD AND SECURITY
YOU WILL SELECT A USERNAME AND PASSWORD BY COMPLETING HIB'S USER ACCOUNT APPLICATION. YOU AND YOUR EMPLOYER ARE RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF YOUR USERNAME AND PASSWORD, AND YOU ARE FULLY RESPONSIBLE FOR ALL ACTIVITIES THAT OCCUR UNDER YOUR USERNAME AND PASSWORD. YOU AGREE TO: (1) IMMEDIATELY NOTIFY HIB OF ANY UNAUTHORIZED USE OF YOUR USERNAME AND PASSWORD OR ANY OTHER BREACH OF SECURITY, AND (2) ENSURE THAT YOU EXIT FROM YOUR ACCOUNT AT THE END OF EACH SESSION. HIB CANNOT AND WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM YOUR FAILURE TO COMPLY WITH THIS SECTION.

INDEMNITY
YOU AGREE TO INDEMNIFY AND HOLD HIB, AND ITS EMPLOYEES AND AGENTS, HARMLESS FROM ANY CLAIM OR DEMAND, INCLUDING REASONABLE ATTORNEY'S FEES, MADE BY ANY PARTY DUE TO OR ARISING OUT OF YOUR USE OF THIS WEBSITE.

DISCLAIMER
THIS WEBSITE AND ITS CONTENT ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. HIB DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. HIB 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 HIB) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATION PURPOSES.

LINKS
THIS WEBSITE MAY BE LINKED TO OTHER WEBSITES OR RESOURCES, WHICH ARE NOT MAINTAINED BY HIB. AS HIB HAS NO CONTROL OVER SUCH WEBSITES OR RESOURCES, YOU ACKNOWLEDGE AND AGREE THAT HIB IS NOT RESPONSIBLE FOR THE AVAILABILITY OF SUCH EXTERNAL SITES OR RESOURCES, AND DOES NOT ENDORSE AND IS NOT RESPONSIBLE OR LIABLE FOR ANY CONTENT, ADVERTISING, PRODUCTS, OR OTHER MATERIALS ON OR AVAILABLE FROM SUCH WEBSITES OR RESOURCES. YOU FURTHER ACKNOWLEDGE AND AGREE THAT HIB SHALL NOT BE RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY USE OF OR RELIANCE ON ANY SUCH CONTENT, GOODS, OR SERVICES AVAILABLE ON OR THROUGH ANY SUCH WEBSITE OR RESOURCE.

LIMITATION OF LIABILITY
WHILE HIB USES REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP TO DATE INFORMATION ON THIS WEBSITE, ERRORS OR OMISSIONS SOMETIMES OCCUR. HIB MAKES NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY OF THE CONTENT OF THIS WEBSITE. UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO NEGLIGENCE BY ACT OR OMISSION, SHALL HIB OR ANY PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE WEBSITE BE LIABLE TO YOU FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, OR PUNITIVE DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS ON THIS WEBSITE, EVEN IF, HIB OR AN AUTHORIZED HIB REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL HIB'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS WEBSITE.

HIB ALSO ASSUMES NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS TO, USE OF, OR BROWSING IN THE WEBSITE OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO, OR AUDIO FROM THIS WEBSITE.

RESTRICTIONS ON USE OF MATERIALS
THIS WEBSITE IS OWNED AND OPERATED BY HIB. EXCEPT AS OTHERWISE EXPRESSLY PERMITTED BY HIB, NO MATERIALS FROM THIS WEBSITE OR ANY WEBSITE OWNED, OPERATED, LICENSED, OR CONTROLLED BY HIB 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, REPORT, OR USE THE CONTENT OF THIS WEBSITE FOR PUBLIC OR COMMERCIAL PURPOSES, INCLUDING THE TEXT, IMAGES, AUDIO, AND VIDEO WITHOUT HIB'S WRITTEN PERMISSION.

HIB NEITHER WARRANTS NOR REPRESENTS THAT YOUR USE OF MATERIALS DISPLAYED ON THIS WEBSITE WILL NOT INFRINGE RIGHTS OF THIRD PARTIES NOT OWNED BY OR AFFILIATED WITH HIB.

JURISDICTIONAL ISSUES
UNLESS OTHERWISE EXPRESSLY SET FORTH HEREIN, HIB MAKES NO REPRESENTATION THAT MATERIALS ON THIS WEBSITE ARE APPROPRIATE OR AVAILABLE FOR USE IN ANY LOCATION. THOSE WHO CHOOSE TO ACCESS THIS WEBSITE DO SO ON THEIR OWN INITIATIVE AND ARE RESPONSIBLE FOR COMPLIANCE WITH LOCAL LAWS.

EXCEPT AS SPECIFICALLY SET FORTH HEREIN, THE INFORMATION CONTAINED ON THIS WEBSITE IS NOT AN OFFER TO SELL OR A SOLICITATION TO BUY ANY SECURITY, INSURANCE PRODUCT, OR OTHER PRODUCT OR SERVICE. NO SECURITY, INSURANCE PRODUCT, OR OTHER PRODUCT OR SERVICE IS OFFERED OR WILL BE SOLD IN ANY JURISDICTION IN WHICH SUCH OFFER OR SOLICITATION, PURCHASE, OR SALE WOULD BE UNLAWFUL UNDER THE SECURITIES, INSURANCE, OR OTHER LAWS OF SUCH JURISDICTION. SOME PRODUCTS AND SERVICES MAY NOT BE AVAILABLE IN ALL JURISDICTIONS.

YOU ACKNOWLEDGE AND AGREE THAT THE LAWS OF THE STATE OF HAWAII WITHOUT REGARD TO CONFLICT OF LAW PRINCIPLES, AND APPLICABLE FEDERAL LAW, WILL GOVERN THESE TERMS OF USE, YOUR USE OF THE WEBSITE, AND ANY DISPUTE OF ANY KIND THAT MIGHT ARISE BETWEEN YOU AND HIB IN CONNECTION WITH THIS WEBSITE. ANY ACTION YOU, ANY THIRD PARTY, OR HIB BRINGS ARISING OUT OF OR IN ANY WAY CONNECTED TO THIS WEBSITE AND/OR THESE TERMS OF USE SHALL BE BROUGHT EXCLUSIVELY IN EITHER THE STATE OR FEDERAL COURTS LOCATED IN THE STATE OF HAWAII.

TRADEMARKS AND COPYRIGHTS
ALL TRADEMARKS, SERVICES MARKS, TRADE NAMES, LOGOS, AND ICONS BELONGING TO HIB AND APPEARING ON THIS WEBSITE ARE PROPRIETARY TO HIB. NOTHING CONTAINED ON THE WEBSITE SHALL BE CONSTRUED AS GRANTING, BY IMPLICATION, ESTOPPEL, OR OTHERWISE, ANY LICENSE OR RIGHT TO USE ANY TRADEMARK DISPLAYED ON THIS WEBSITE WITHOUT THE WRITTEN PERMISSION OF HIB OR SUCH THIRD PARTY THAT MAY OWN THE TRADEMARKS DISPLAYED ON THIS WEBSITE. YOUR USE OF THE TRADEMARKS DISPLAYED ON THIS WEBSITE, OR ANY OTHER CONTENT ON THIS WEBSITE, EXCEPT AS PROVIDED HEREIN, IS STRICTLY PROHIBITED.

PRIVACY AND PERSONAL INFORMATION
YOUR PRIVACY IS IMPORTANT TO HIB, AND HIB HAS DESCRIBED HOW HIB TREATS YOUR PERSONAL INFORMATION AND PROTECTS YOUR PRIVACY WHEN YOU USE THIS WEBSITE IN HIB'S PRIVACY POLICY. FOR MORE INFORMATION, CLICK HERE FOR HIB'S PRIVACY POLICY.

SOFTWARE LICENSES
YOU ACKNOWLEDGE THAT ANY SOFTWARE AVAILABLE OR PROVIDED TO YOU ON THIS WEBSITE MAY CONTAIN TECHNOLOGY THAT IS SUBJECT TO STRICT CONTROLS BY VARIOUS AGENCIES OF THE UNITED STATES GOVERNMENT PURSUANT TO UNITED STATES EXPORT CONTROL LAWS AND REGULATIONS. YOU HEREBY AGREE THAT YOU WILL NOT TRANSFER OR EXPORT SUCH SOFTWARE FROM THE UNITED STATES (INCLUDING, FOR EXAMPLE, PROVIDING SUCH SOFTWARE TO ANY FOREIGN PERSON OR ENTITY IN THE UNITED STATES) OR RE-EXPORT SUCH SOFTWARE OUTSIDE OF THE UNITED STATES IN VIOLATION OF UNITED STATES EXPORT LAWS AND REGULATIONS. HIB DOES NOT AUTHORIZE THE DOWNLOADING OR EXPORTATION OF ANY SOFTWARE OR TECHNICAL DATA FROM THIS WEBSITE TO ANY JURISDICTION PROHIBITED BY THE UNITED STATES EXPORT CONTROLS LAWS AND REGULATIONS.