Terms of Use

Welcome to the Internet site HOWARDKAYEINSURANCE.COM. Read these Terms of Use carefully before using HOWARDKAYEINSURANCE.COM. By using HOWARDKAYEINSURANCE.COM, you agree to be bound by these terms of use. If you do not agree to these terms of use, please exit this site. HOWARDKAYEINSURANCE.COM reserves the right, at its discretion, to modify, add or delete portions of these terms at any time by posting updated terms of use on HOWARDKAYEINSURANCE.COM. Your continued use of this site following the posting of updated terms of use will mean that you agree to those changes.

DO NOT RELY ON THIS WEB SITE FOR LEGAL OR TAX ADVICE. SEEK COUNSEL OF A LICENSED ATTORNEY IN YOUR JURISDICTION FOR ANSWERS TO YOUR LEGAL PROBLEMS OR QUESTIONS.

FRAMING

Framing is a format for web documents that divides the screen into segments, each with a scroll bar as if it were a “window” within the window. HOWARDKAYEINSURANCE.COM does not allow framing of its web site, or any page contained within HOWARDKAYEINSURANCE.COM by any other Internet web sites.

PRIVACY

HOWARDKAYEINSURANCE.COM values the privacy of its user. The collection, use and disclosure of any personally-identifying information about the user is described in and governed by this site’s Privacy Policy.

INTERNET LINKING TO HOWARDKAYEINSURANCE.COM

HOWARDKAYEINSURANCE.COM encourages and permits links to content on this site. However, HOWARDKAYEINSURANCE.COM is committed to the highest ethics and standards in the presentation of this web site. Therefore, the links to HOWARDKAYEINSURANCE.COM should not (a) suggest that HOWARDKAYEINSURANCE.COM promotes or endorses any third party’s causes, ideas, web sites, products or services, or (b) use HOWARDKAYEINSURANCE.COM content for inappropriate commercial purposes. HOWARDKAYEINSURANCE.COM reserves the right to withdraw permission for any link.

COPYRIGHT AND TRADEMARKS

The contents of HOWARDKAYEINSURANCE.COM are protected by U.S. and international copyright laws. You may not reproduce, distribute, transmit, display, prepare derivative works, or perform any copyrighted material on the HOWARDKAYEINSURANCE.COM web site without the prior written consent of HOWARDKAYEINSURANCE.COM, except as provided in this paragraph. You may copy and print a limited amount of content for your personal, non-commercial use only, provided that you include all copyright and other notices contained in the content and that you do not modify the content. Any other use of HOWARDKAYEINSURANCE.COM content requires prior written permission from HOWARDKAYEINSURANCE.COM.

All trademarks, service marks, logos and trade names, whether registered or unregistered, are proprietary to HOWARDKAYEINSURANCE.COM or to other companies where so indicated. You may not reproduce, download or otherwise use any such trademarks, service marks, logos or trade names without the prior written consent of the appropriate owner thereof.

DISCLAIMERS

UNLESS OTHERWISE SPECIFICALLY STATED, ALL MATERIALS ON HOWARDKAYEINSURANCE.COM ARE MADE AVAILABLE ONLY TO PROVIDE ACCESS TO OTHER LINKED SOURCES AVAILABLE ON THE INTERNET. THE MATERIALS IN THIS SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, HOWARDKAYEINSURANCE.COM DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. HOWARDKAYEINSURANCE.COM DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE HOSTING SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. HOWARDKAYEINSURANCE.COM DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS IN THIS SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE.

LIMITED LIABILITY

IN NO EVENT SHALL HOWARDKAYEINSURANCE.COM, ANY THIRD PARTY PROVIDER, OR ANY VENDOR BE LIABLE TO USER OR ANYONE ELSE FOR ANY INCIDENTAL, CONSEQUENTIAL, SPECIAL OR INDIRECT DAMAGES (INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, TRADING LOSSES OR DAMAGES THAT RESULT FROM INCONVENIENCE, DELAY OR LOSS OF THE USE OF THE MATERIALS, PRODUCTS, OR SERVICE) ARISING OUT OF OR RELATED TO THE SERVICE OR THIS AGREEMENT, EVEN IF HOWARDKAYEINSURANCE.COM OR SUCH THIRD PARTY PROVIDER OR VENDOR HAS BEEN ADVISED OF OR IS OTHERWISE AWARE OF THE POSSIBILITY THEREOF, EXCEPT AS LIMITED BY APPLICABLE LAW. THE MAXIMUM AGGREGATE LIABILITY OF HOWARDKAYEINSURANCE.COM FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS AGREEMENT, REGARDLESS OF THE FORM OR CAUSE OF ACTION, SHALL BE ONE HUNDRED U.S. DOLLARS (U.S.$100). SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE MAY NOT APPLY TO USER. USER MAY BRING NO ACTION REGARDLESS OF FORM ARISING OUT OF THIS AGREEMENT MORE THAN ONE (1) YEAR AFTER THE CAUSE OF ACTION HAS ACCRUED.

LINKING DISCLAIMER

The links to the external, third party sites are NOT under the operation or control of HOWARDKAYEINSURANCE.COM in any way. The third party, external materials and sites are provided “AS IS” and without warranties of any kind either express or implied including, but not limited to, implied warranties of merchantability and fitness. HOWARDKAYEINSURANCE.COM makes no warranties, either express or implied, concerning the accuracy, completeness, reliability or suitability of the information obtained by the user through linking to the external sites.

While every effort is made to keep the links up to date and to provide accurate, timely and appropriate information, HOWARDKAYEINSURANCE.COM makes no assurances, and assumes no responsibility regarding the accuracy, functionality or completeness of the information. HOWARDKAYEINSURANCE.COM does not endorse the content or control the policies of the outside sites, and is not responsible or liable for the content or policies of these sites. HOWARDKAYEINSURANCE.COM does not warrant or assume any responsibility regarding the use or the results obtained by using the third party, external materials and sites with regard to their correctness, accuracy, timeliness, reliability, or any other issue.

JURISDICTIONAL AGREEMENT

This web site (excluding third party linked sites) is controlled by HOWARDKAYEINSURANCE.COM in the State of Florida, United States of America. By accessing this web site, user and HOWARDKAYEINSURANCE.COM agree that all matters relating to user’s access to, or use of, this web site shall be governed by the statutes and laws of the State of Florida, and the federal laws of the U.S.A., without regard to the conflicts of laws principles thereof. The application of the United Nations Convention of Contracts for the International Sale of Goods, and the model Uniform Computer Information Transactions Act approved by the National Conference of Commissioners on Uniform State Laws (as enacted and/or modified into any state law in the U.S.A.), are expressly excluded and shall not apply. User and HOWARDKAYEINSURANCE.COM also agree and hereby submit to the exclusive personal jurisdiction and venue of the State courts in Palm Beach County, Florida, with respect to all matters relating to user’s access to or use of this web site or any Product, Material or Service. The parties consent to such jurisdiction and venue.

SEVERABILITY; INTEGRATION

This Terms of Use agreement constitutes the entire agreement between HOWARDKAYEINSURANCE.COM and the user with respect to this web site and supersedes all prior or contemporaneous communications and proposals, whether oral, written, or electronic, between you and HOWARDKAYEINSURANCE.COM with respect to this web site. If any part of this agreement is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intent of the parties reflected in this Terms of Use agreement, and the remaining portions shall continue in full force and effect.

CHANGES TO THIS AGREEMENT

HOWARDKAYEINSURANCE.COM may revise this Terms of Use agreement at any time without notice. Although HOWARDKAYEINSURANCE.COM will endeavor to highlight any changes to this agreement, you should revisit this site periodically to make sure you are aware of the most recent terms, because they will be binding on you. Your use of the site after such changes constitutes your agreement to such changes.

ADDITIONAL DISCLAIMER

Clients should consult their own tax and legal professionals.  Howard Kaye and Howard Kaye Insurance Agency, LLC are not licensed in all states.  Examples referenced within this site are for illustrative purposes only.  Actual results will vary based upon individual circumstances and a variety of factors including but not limited to the availability of funders, life expectancy, premium payments, policy type, carrier, etc..   Purchasing life insurance could affect the insured’s capacity to purchase additional life insurance in the future.  Settling a policy will limit your capacity to purchase additional life insurance benefits.  Guaranteed payments of death proceeds are based upon the claims-paying ability of the issuing insurance carrier.  Clients should consult their own tax and legal professionals.  Howard Kaye Insurance Agency, LLC does not provide tax or legal advice.