Your use of this website is expressly conditioned on your acceptance of these Terms of Use. If you do not agree with any part of the Terms of Use, you must not use this website. You must be at least 18 years of age to use this website. By using this website, and by agreeing to these Terms of Use, you warrant and represent that you are at least 18 years of age. By agreeing to these Terms of Use and using this website, you are giving up certain legal rights, including the right to bring a claim in court or to participate in a class action, and are agreeing to mandatory binding individual arbitration of any and all claims and disputes, as provided in the “Dispute Resolution (Arbitration Agreement)” section below.
License to Use Website
Except where otherwise indicated, all materials contained in this website are the copyrighted property of Hardigan Insurance Services, LLC. (hereinafter “Hardigan”), its affiliated companies, and/or third-party licensors. The Hardigan logo, all other service marks, and the names of various products and services described within are service marks of Hardigan or its affiliates. Except as expressly provided herein, you shall not use any portion of this website, or any other intellectual property of Hardigan (including, but not limited to Hardigan service marks), on any other website, in the source code of any other website, or in any other printed or electronic materials.
Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this website’s content or frame this website within any other website without our prior written permission. Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database, or directory, without prior written permission from Hardigan, is prohibited. You must not: Republish material from this website (including republication on another website); Sell, rent, or sub-license material from the website; Show any material from the website in public; Reproduce, duplicate, copy, or otherwise exploit material on this website for a commercial purpose; Edit or otherwise modify any material on the website; or Redistribute material from this.
Acceptable Use
You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent, or harmful, or in connection with any unlawful, illegal, fraudulent, or harmful purpose or activity.
You must not use this website to copy, store, host, transmit, send, use, publish, or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit, or other malicious computer software.
You must not conduct any systematic or automated data collection activities(including without limitation scraping, data mining, data extraction, and data harvesting) on or in relation to this website without Hardigan’s express written consent.
You must not use this website to transmit or send unsolicited commercial communications. You must not use this website for any purposes related to marketing without Hardigan’s express written consent.
Restricted Access
Access to certain areas of this website is restricted. Hardigan reserves the right to restrict access to certain areas of this website, or indeed this entire website, at Hardigan’s discretion. If Hardigan provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential. In this event, Hardigan may disable your user ID and password at Hardigan’s sole discretion without notice or explanation.
User Content
In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material, and audio-visual material) that you submit to this website, for whatever purpose. User content excludes all information required for insurance quotes specifically determined in Hardigan’s Privacy Policy.
You grant to Hardigan a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate, and distribute your user content in any existing or future media. You also grant to Hardigan the right to sub-license these rights and the right to bring an action for infringement of these rights.
Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or Hardigan or a third party (in each case under any applicable law).
You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint. Hardigan reserves the right to edit or remove any material submitted to this website, or stored on Hardigan’s servers, or hosted or published upon this website.
No Warranties
This website is provided “as is” without any representations or warranties, expressor implied. Hardigan makes no representations or warranties in relation to this website or the information and materials provided on this website.
Without prejudice to the generality of the foregoing paragraph, Hardigan does not warrant that: this website will be constantly available, or available at all; the information on this website is complete, true, accurate, or non-misleading; or the products and services advertised on this website are available at all times.
Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial, or medical matter, you should consult an appropriate professional.
Hardigan Insurance Services, LLC
By using this website, you understand that Hardigan Insurance Services, LLC. is a licensed insurance agency licensed in California and other states. All products and services advertised or referenced on this website are subject to availability from insurance carriers not related to Hardigan, and rules and regulations of the different states where Hardigan is licensed.
Dispute Resolution (Arbitration Agreement)
By agreeing to these Terms of Use, you are agreeing that any claim or dispute of any kind, whether in contract, tort, statute, or otherwise (including but not limited to any claims and disputes under the Telephone Consumer Protection Act or equivalent statutes, and all disputes regarding the validity, interpretation, and scope of this arbitration provision or the arbitrability of any claim or dispute) that arises out or relates in any way to these Terms of Use, your use of this website, any resulting relationship or transaction with Hardigan, or any communications you may receive from or on behalf of Hardigan, is subject to mandatory binding individual arbitration. This includes, but is not limited to, any claims and disputes between you (including your successors and assigns) and Hardigan, claims against any third party providing any products or services in connection with these Terms of Use or this website, or claims against our successors, assigns, parents, subsidiaries, employees, officers, directors, affiliates, and agents, but excluding any claims strictly for public injunctive relief or claims and disputes that could be brought individually in small claims court under applicable law. The arbitration shall be administered by the American Arbitration Association (“AAA”), resolved in accordance with the Federal Arbitration Act (“FAA”), and governed by Commercial Rules of the American Arbitration Association (“AAA Rules”) in effect at the time of the claim or dispute, which are available at www.adr.org. Prior to filing an arbitration claim with AAA, the parties are required to attempt, in good faith, to reach an informal resolution of any dispute for a period of thirty (30) days and must give reasonably prompt notice of any dispute to the other party (Hardigan may be contacted at info@hardiganis.com). If the claim or dispute cannot be resolved informally within this period, then arbitration may, and must promptly, be commenced thereafter and notice of commencement of the arbitration shall be promptly provided to the other party. The arbitrator shall have the sole and exclusive authority to resolve all arbitrability issues, and shall apply applicable substantive law in accordance with the FAA and AAA Rules during the arbitration; provided, however, the arbitrator shall not have the power to conduct a class arbitration or to vary the class action waiver provision of this Arbitration Agreement. The arbitration hearing shall be conducted in the federal district in which you reside, by remote means, or through documentary submissions. BYENTERING THIS ARBITRATION AGREEMENT, YOU ARE WAIVING THE RIGHTS TOBRING A CLAIM IN COURT, TO A TRIAL BY JURY, OR TO BRING OR PARTICIPATEIN ANY CLASS ACTION, EITHER AS A CLASS REPRESENTATIVE OR CLASSMEMBER. If any portion of this Arbitration Agreement or the Terms of Use is deemed invalid or unenforceable, it shall not invalidate the remaining portions of the Terms of Use or this Arbitration Agreement. For the avoidance of doubt, no class action may proceed unless the class action waiver provision or the prohibition against class arbitration of this Agreement is deemed invalid or unenforceable.
Limitations of Liability
Hardigan will not be liable to you (whether under the law of contact, the law of torts, or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website for any indirect, special, or consequential loss; or for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data. These limitations of liability apply even if Hardigan has been expressly advised of the potential loss.
Disclaimer of Warranty
The content and materials in this site are provided “as is” and without representations or warranties of any kind, either express or implied. To the fullest extent permitted by law, Hardigan expressly disclaims all warranties, express or implied, with respect to this site including, but not limited to, implied warranties of merchantability, fitness for a particular
Terms of Use Policy for Hardigan Insurance Services
Your use of this website is expressly conditioned on your acceptance of these Terms of Use. If you do not agree with any part of the Terms of Use, you must not use this website. You must be at least 18 years of age to use this website. By using this website, and by agreeing to these Terms of Use, you warrant and represent that you are at least 18 years of age. By agreeing to these Terms of Use and using this website, you are giving up certain legal rights, including the right to bring a claim in court or to participate in a class action, and are agreeing to mandatory binding individual arbitration of any and all claims and disputes, as provided in the “Dispute Resolution (Arbitration Agreement)” section below.
**Exceptions**
Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit Hardigan’s liability in respect of any: death or personal injury caused by Hardigan’s negligence; fraud or fraudulent misrepresentation on the part of Hardigan; or matter which it would be illegal or unlawful for Hardigan to exclude or limit, or to attempt or purport to exclude or limit, its liability.
**Reasonableness**
By using this website, you agree that the exclusions and limitations of liability setout in this website disclaimer are reasonable. If you do not think they are reasonable, you must not use this website.
**Unenforceable Provisions**
If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.
**Indemnity**
You hereby indemnify Hardigan and undertake to keep Hardigan indemnified against any losses, damages, costs, liabilities, and expenses (including without limitation legal expenses and any amounts paid by Hardigan to a third party in settlement of a claim or dispute on the advice of Hardigan’s legal advisers)incurred or suffered by Hardigan arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.
**Breaches of These Terms and Conditions**
Without prejudice to Hardigan’s other rights under these terms and conditions, if you breach these terms and conditions in any way, Hardigan may take such action as Hardigan deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website, and/or bringing court proceedings against you.
**Third-Party Sites**
This website contains links to other Internet websites (“Third-party Sites”) that are not maintained by Hardigan. These links are provided solely for your convenience. Hardigan makes no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third-party Sites. We recommend that you take the time to read the privacy policies and user agreements of these sites.
**Submitted Ideas Policy**
When you submit ideas or materials to Hardigan (“Submissions”), such as for marketing, advertising, promotions, contests, products, services, devices, processes, trademarks, logos, artwork, music, photos, or videos, you grant to Hardigan a perpetual, irrevocable, worldwide, royalty-free right and license to use, modify, publish, disclose, or exploit the Submission at Hardigan’s discretion.
**Updates**
Hardigan may revise these terms and conditions from time to time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.
**Assignment**
Hardigan may transfer, sub-contract, or otherwise deal with Hardigan’s rights and/or obligations under these terms and conditions without notifying you or obtaining your consent. You may not transfer, sub-contract, or otherwise deal with your rights and/or obligations under these terms and conditions.
**Severability**
If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
**Entire Agreement / Enforceability**
These terms and conditions constitute the entire agreement between you and Hardigan in relation to your use of this website and supersede all previous agreements in respect of your use of this website. Should any provision of these Terms of Use be held invalid, unlawful, or for any reason unenforceable, then the invalid, unlawful, or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful, or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.
**Privacy Policy**
Please review our Privacy Policy which also governs your visit to the website. The Privacy Policy can be viewed at https://www.thehardigan.com/privacy-policy/.
**Law and Jurisdiction**
Use of this website shall be governed by and construed in accordance with the laws of the State of California without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Los Angeles, California.
**SMS Communications**
Hardigan Insurance notifications are intended to provide information on insurance coverage. Message frequency varies. Message and data rates may apply. You may text STOP at any time to cancel SMS notifications. To resubscribe, text START. For help, you may text HELP or call our Hardigan Insurance Services Customer Care number at 310-373-6215. Carriers do not guarantee that messages will be delivered and will not be liable for delayed or undelivered messages.