TERMS OF USE AGREEMENT & LEGAL DISCLAIMER

This agreement governs your use of this Web site (“Site”) and is automatically binding by your use of the Site. The material provided on this Site is for informational purposes only and is not a contract of any kind. It is intended to provide a general description of Palacios & Associates, its relevant affiliates, and its products and services.

For more complete information, including terms and conditions, of products or services, please contact Palacios & Associates or refer to your existing policy or contract. Please remember that only a policy or contract can provide actual terms, coverages, amounts, conditions, limitations and exclusions.

You should also remember that the availability of described products and services may be limited by state or other applicable laws and by Palacios & Associates’ underwriting criteria. Though this Site may reference several Palacios & Associates affiliates, a particular insurance policy or other product or service is the responsibility only of the specific company that issues or supplies such policy, product or service.

COMPENSATION DISCLOSURE: Palacios & Associates is compensated through commissions only paid by insurance companies; thus we do not charge fees. Palacios & Associates recommends insurance carriers to our clients based on cost, coverage, service capability and financial security -- not based on the existence of contingency agreements.

The Palacios & Associates name and logos that appear on this Site may not be used in any advertising or publicity, or otherwise used to suggest Palacios & Associates endorsement, sponsorship of, or affiliation with, any product, service, person or entity, without Palacios & Associates prior express written permission. Other brand names, product names, trademarks and service marks appearing on this Site are the property of their respective owners.

This Site may contain links to or material from other sites that are not created, published, maintained or otherwise controlled by Palacios & Associates. These links and material are provided solely for the convenience of the users of this Site and do not constitute an endorsement or recommendation of any products, services or information available on, from or through such site, unless such endorsement or recommendation is explicitly stated. Accordingly, Palacios & Associates takes no responsibility and assumes no liability or obligation for any content posted by any third party or on any third party site, nor does Palacios & Associates approve, endorse or certify information available at any external site or linked address.

This Site may contain inaccuracies or typographical errors. Palacios & Associates does not guarantee the accuracy, completeness, timeliness, or suitability of the materials on this Site for any purpose. No part of this Site is a solicitation of business in states where Palacios & Associates is not licensed. No part of this Site is a promise to provide products or services. Palacios & Associates reserves the right to withdraw access to the Site and revise the materials, services and products described in the Site at any time without notification.

THIS SITE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. PALACIOS & ASSOCIATES DISCLAIMS ALL LIABILITY FOR ANY CLAIMS OR DAMAGES THAT MAY RESULT FROM THE USE OR OPERATION OF THIS SITE. PALACIOS & ASSOCIATES DOES NOT WARRANT THAT THIS SITE WILL OPERATE WITHOUT ERROR OR THAT THIS SITE AND ITS SERVER ARE FREE OF DEFECTS, INCLUDING COMPUTER VIRUSES. PALACIOS & ASSOCIATES IS NOT RESPONSIBLE FOR ANY DAMAGES OR COSTS IF USE OF THIS SITE RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA OR IF ANY OTHER CONSEQUENTIAL DAMAGES OR COSTS OCCUR AS A RESULT OF SUCH USAGE.

No material from this site may be reproduced, downloaded, transmitted or published, in any form or by any means, unless Palacios & Associates or the copyright owner of the material has given its prior express written permission.

Palacios & Associates is licensed for business in CA, NV and MI.