Website Terms & Conditions


Use of the Website

Welcome to Bone Robertson & McBride, Inc (“Bone Robertson & McBride”) website. Please read the following Terms and Conditions and the Privacy Policy. These terms and conditions and the Privacy Policy are a binding agreement between you and Bone Robertson & McBride, Inc.

This website is owned and operated by Bone Robertson & McBride and includes all web pages under or forming part of the domain name www.brmins.com any other affiliated web pages which include a link to these Terms & Conditions. These Terms and Conditions apply to the access, use, and registration within the Bone Robertson & McBride website. Nothing in these Terms and Conditions modifies or negates the provisions of any insurance policy or bond issued by your respective carrier(s) as serviced through our office. If there are any inconsistencies between these Terms and Conditions or the information as published on our website, and policies you have purchased, that are brokered through our firm, the insurance policy or bond shall govern.

You must only use this website for use in obtaining commercial insurance quotes for yourself or affiliated companies or conducting insurance related inquiries in regards to your company or prospective company, or to contact our office regarding the products and services that we offer. You agree to indemnify Bone Robertson & McBride, Inc. in respect of any liability incurred by Bone Robertson & McBride Inc. for any loss, cost, damage or expense, howsoever caused, suffered by Bone Robertson & McBride, Inc. by the misuse of this website or any use that is in violation of these Terms & Conditions and/or law or regulation.

Access to and use of this website, and all content, functions and materials provided through it are provided on an “as is” and “as available” basis. Even though we make reasonable efforts to ensure the accuracy and availability of the information and services provided on this website, Bone Robertson & McBride, Inc. does not make any assurance that the information on this website is accurate or error-free.

Our website and services reflected on our website are only directed to those that are at least eighteen (18) years old and only apply to the states in which we are licensed. (For a list of our License States, please visit our “Home” or “About Us” page.)


Website Content
The intent of this website is as follows:

  1. Contains general information about the products and services provided through and by our brokerage/agency.
  2. Contains general information about the carriers and their respective products and services that we have access to either through another broker or directly.
  3. Provides a limited alternate method of requesting changes on your policy from your assigned Account Manager. This is subject to the approval of your insurance or bond carrier. The effective date of such change (if approved) will be at the discretion of the carrier.
  4. Provides an alternate method of requesting a Certificate of Insurance from our Certificate Department.


External Links

On this website you may find links to external websites. Bone Robertson & McBride, Inc. is not responsible for the content or security of such external websites. By clicking on the links and being redirected to such websites, security measures and data collection will not be within our control, nor will we be responsible for breaches to security or improper data collection operations of such websites. Bone Robertson & McBride, Inc. does not sponsor, endorse or approve of any Third Party Offers or Third Party material (including services, information, graphics or data) which is located on such Third Party websites.


Our Products & Services

To the full extent allowed by law, Bone Robertson & McBride, Inc. reserves the right to refuse service or to sell a product to anyone. It also reserves the right to terminate service with or without notice to anyone who is suspected of or convicted of fraud.


Website User Content

We may elect to allow users to post comments, participate in blogs or enter content that will appear on or through our website. By posting information on or through our website, you represent and warrant that you have all necessary legal rights, including intellectual property rights to any information you provide or upload onto our website and that such content does not and will not violate any laws or the rights of any other person or entity. You must not post any content (including graphics, video or data), that is or appears to be:

  1. Untrue, misleading, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, invasion of protected data, hateful, or racially or otherwise objectionable;
  2. Infringing upon a third party’s intellectual property rights, including any patent, trademark, trade secret, copyright, right of publicity, including any content that is the subject of any claim of infringement;
  3. Of a type that you are prohibited by law or under contractual or fiduciary relationships, such as proprietary and confidential information;
  4. Unsolicited, undisclosed or unauthorized advertising;
  5. Software viruses or any other computer code, files, or programs designed to track, interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment;
  6. Data or information obtained through access that was not authorized by the owner, or that you are not authorized to post; or
  7. In violation of any applicable local, state, national or international law (including export laws).

We reserve the right to monitor and remove any Third Party content posted on our or through our website at any time, with or without notice, and for any reason. However, we have no obligation to monitor such content as posted by Third Party users on our website and we do not endorse, approve or sponsor such information, views or opinions contained in the content. In addition, where required to comply with legal processes or as ordered by a subpoena any content posted to or received through our website will be shared with the requesting party/authority.


Copyright

All content and intellectual property included on our website, including website design, code, text, graphics, interfaces, and their selection and arrangements are copyrighted and are owned by Bone Robertson & McBride, Inc. with all rights reserved, or is the property of third parties protected by their intellectual property rights. The trademarks, logos, and service marks displayed on the site are the property of Bone Robertson & McBride, Inc. and other parties. Users are prohibited from using any such data for any purpose, With respect to all such material and information, you may not, without our prior written permission, archive, display, publish, re-publish, broadcast, transfer, replicate, distribute or modify any content of our website or any portion thereof. You may not extract data extract or use the content of our website, or any portion thereof, for any commercial or personal purpose. You further agree that you will not monitor or copy our website and any affiliated websites or the content contained therein.


Third Party Providers

The design and maintenance of this website may be outsourced to third party providers. These Terms of Use apply to any outsourced services, unless alternate terms of use are otherwise stated.


Cookies/Web Beacons

Our website may utilize “cookies” from time to time. A “cookie” is a packet of information that allows the server to identify and interact more effectively with your computer. Most Internet browsers automatically accept cookies, but you can modify your browser to decline cookies. If you block cookies, please be aware that this may disable some of the features on our website and other websites. Users who refuse cookies assume all responsibility for any resulting loss of functionality. If your browser allows cookies, when you enter our website or affiliated websites, we send you a cookie that assigns your computer a unique identification number. Cookies identify a user’s browser type and your Internet Service Provider (ISP). Third party vendors show advertisements for our website on other various sites on the internet. Through the use of first party cookies and third party cookies they are able to inform and optimize ads based on a user’s past visits to our website.

Our website and other communications with you may contain electronic images known as web beacons that allow us to monitor our website usage, and determining the time and date of page views. Such web beacons may also be used in marketing Email messages, newsletters other electronic communication to determine whether message have been opened and acted upon. This assists us in determining the effectiveness of any marking campaigns or Email communications. At this time we do not use web beacons or any other techniques that collect or use personal information other than as explained elsewhere in this policy. We do reserve the right to do so.


Termination of Use & Terms & Conditions

Bone Robertson & McBride, Inc. reserves the right to terminate access to the Bone Robertson & McBride, Inc. website and any affiliated websites at any time with or without notice to you. Upon Termination of these Terms & Conditions and/or your use of this website, you must not directly or indirectly access or use any part of or material from this website or affiliated websites.


Changes to Terms & Conditions

Bone Robertson & McBride, Inc. reserves the right to change our Terms & Conditions with or without advance notice to our website visitors, potential or existing customers. Any clause or information of these Terms of Use to be found void, unenforceable, unlawful or invalid is severed from this agreement, leaving the remaining terms and conditions in force, provided that the severance has not altered the nature of this agreement.

Changes to the Terms & Conditions will become effective when posted to our website.


Limitation of Liability

Bone Robertson & McBride, Inc., its shareholders, officers, directors, employees, and agents shall not be liable for any damages caused by the use of or inability to use this website or the materials and services made available through it. More particularly, Bone Robertson & McBride, Inc. shall not be liable jointly or severally for any special, direct, indirect, punitive or exemplary, consequential, or incidental damages, or damages for lost profits, loss of income or revenue, or loss of use or data or damages caused by unauthorized access, theft, computer or communications failure, or the costs of procuring substitute goods or services arising out of or related to this website or affiliated websites or the information, materials or services made available through it, whether such damages arise in contract, negligence, tort, under statute, in equity, at law, or otherwise, even if the Bone Robertson & McBride, Inc. could have foreseen any such damage. If any applicable authority holds any portion of this section to be unenforceable, then Bone Robertson & McBride, Inc.’s liability shall be limited to the fullest extent as permitted by law.


Acceptance of Terms & Conditions

Your use of the Bone Robertson & McBride, Inc. website or affiliated websites indicates your acceptance of these Terms & Conditions and our Privacy Policy.

Contact Us
For further information or a copy of these Terms & Conditions, please contact our office.
Bone Robertson & McBride, Inc.
PO Box 997
Concord, CA 94522
don@brmins.com