By using this website, you must review and agree to the following terms and conditions. If you do not agree to these terms you may not use the Sitzmann Morris & Lavis Insurance Agency (SML) website or enter the SML Benefit Center. The Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Site constitutes your agreement to all such terms, conditions, and notices. By using this website, you agree to the following terms and conditions, without limitation or qualification. These Terms of Use also apply to our subsidiaries.

Nothing contained in this website shall be construed as conferring by implication, estoppel, or otherwise, any license or right to copyright, patent, trademark or other proprietary interest of SML or any third party.

This website may contain links to other websites on the Internet that are not under the control of SML (the “External Sites”) as a convenience to our users. These web sites are not under the control of SML. SML is not responsible for the contents of any of these web sites. A link to another website does not mean that SML endorses or accepts any responsibility for the content, accuracy or use of the External Site or that SML is affiliated in any way with the operator of the External Site. You acknowledge that SML is not responsible for the availability of, or the content located on or through, any External Site, or any changes or updates to such External Site. You should contact the web site administrator or Webmaster of those External Sites if you have any concerns regarding such links or the content located on such External Site.

Opinions, advice and all other information expressed by information providers (“Information Providers”) under contract with SML represent their own views and not necessarily those of SML. Information provided by SML and by Information Providers, even if generally applicable, cannot possibly take into account all of the various factors that may affect you, your company or your particular situation.

This site does not provide medical advice. The contents of the Site, such as text, graphics, images, information obtained from SML licensors, and other material contained on the Site (“Content”), are for informational purposes only. By making the Content available for your use, SML is not providing any health care services to you, and the Content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. SML is not a health care provider. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition or if you need health care services or treatment. Never disregard professional medical advice or delay in seeking it because of something you have read on the Site.

The information services, products and materials included in this website, whether provided by SML or by any third party, are provided “as is,” without any warranty of any kind. SML disclaims all representations and warranties, express, implied or statutory, with respect to such information services, products and materials included but not limited to, any warranty of non-infringement or any implied warranties of merchantability or fitness for a particular purpose.

SML does not represent or warrant that the information accessible via this website is accurate, complete or current, or that the website will operate without interruptions or errors. Because some jurisdictions do not permit the disclaimer of certain implied warranties to the extent that SML cannot disclaim any such warranty will be the minimum permitted under applicable law.

The SML Benefit Center was built by Sparkart, LLC. They do not represent or warrant that the information accessible via this website is accurate, complete or current, or that the website will operate without interruptions or errors.

Every attempt has been made to supply complete and accurate information herein; however SML assumes no responsibility, and you assume all the risk for use of this website and any information set forth herein, or for any infringement of third party rights that may result from your use of this website and any information set forth herein. To the extent permitted by applicable law, SML shall not be liable for any loss or damage of any kind [direct, indirect, special, incidental or consequential, damages or any damages] (liabilities, damages, costs, and expenses (including, but not limited to, consequential damages, incidental damages, special damages, attorneys’ fees, and disbursements) arising from or relating to your use of the Site.

These Terms of Use and any legal action or proceeding resulting from this website shall be governed by the laws of the State of California as applied to agreements made and entered into in California between California residents to be performed entirely in California. Any action or proceeding arising from or relating to this Agreement must be brought in a federal court in the Northern District of California or in state court in San Francisco County, California, and you irrevocably submit to the exclusive jurisdiction and venue of any such court in any such action or proceeding.

You are responsible for complying with the laws of the jurisdiction from which you are accessing this website and you agree that you will not access or use the information on this website in violation of such laws. Unless expressly stated otherwise herein, any information submitted by you through this website shall be deemed non-confidential and non-proprietary. You represent that you have the lawful right to submit such information and agree that you will not submit any information unless you are legally entitled to do so.

If any provision of this Agreement in unenforceable, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

These Terms of Use constitute the entire and sole and exclusive statement of the agreement between you and SML regarding your use of this website and the information provided herein and supersedes all prior or contemporaneous agreements, understandings, and communication, whether written or oral. You agree that SML may change these Terms of Use unilaterally and at any time. Continued use of this website following such notice will constitute your acknowledgement and acceptance of the revised Terms of Use. You acknowledge and agree that it is your responsibility to review this Agreement periodically and to be aware of any such changes.

Copyright Policy

All website design, text, graphics, interfaces, and the selection and arrangements thereof are copyrighted 2014, Sitzmann Morris & Lavis Insurance Agency (SML). ALL RIGHTS RESERVED. Permission is granted to electronically copy and print hard copy portions of this website solely for the user’s non-commercial, internal purposes. Any other use of materials on this website, including reproduction for purposes other than those noted above, modification, distribution, or republication, without prior written permission of SML is strictly prohibited.