Thank you for visiting the website of Supple-Merrill & Driscoll, Inc. Insurance Agents and Brokers and its affiliates (together, “SMD”, “we” or “us”). By accessing this website (the “Site”), you acknowledge and agree to accept the following Terms of Use pertaining to the use of the Site, which constitute a legal agreement between you and Abacus.

Your visit to this Site is subject to these Terms of Use and our Privacy Policy. By visiting the Site, you agree to these Terms of Use and our Privacy Policy, which may be updated by us at any time. If we update our Terms of Use, we will post the updated Terms of Use here. Any such changes will be effective upon posting. You should consult the “Terms of Use” bar on this Site each time you visit the Site. If you do not agree with it, you should not use the Site.

If you have any questions or comments about these Terms of Use, please contact us at service@productioninsurance.com, or write to us at Supple-Merrill & Driscoll, Inc., ATTN: Legal Department, 550 El Dorado Street, Pasadena CA, 91101.

1. Uses of Our Site and Content

All content and information, and all trademarks, logos, copyrights, and other intellectual property displayed on the Site is owned by SMD or their respective owners. By visiting this Site you agree to the following with respect to the content and information on the Site (the “Content”).

• SMD grants you a limited, revocable, nonexclusive, and nontransferable right to view, store, bookmark, download, copy and print pages from the Site solely for your personal and noncommercial use only.
• You may not use any trademark, service mark, or logo of SMD or any third party that appears on the Site without prior written consent.
• You agree not to copy portions of the Site (such as by bots, robots, or spiders that “harvest” the Site), interfere with the functioning of the Site, or restrict or inhibit any others from using the Site.
• If you download any pages from the Site, you agree that you will not remove or obscure any copyright or other notices or legends contained in any such Content. You may not alter or modify the Content in your copies.
• Unless you receive our permission in advance, you may not exploit any of the Content commercially, forward it as a mass distribution, post it on another site, or otherwise copy, distribute or modify any portion of the Site.
• If you link other websites to this Site, you may not imply or suggest that SMD has endorsed or is affiliated with such websites, and you may not display this Site as “framed” within another website.
• You may not (and may not encourage or assist others to) violate any law, regulation, rule, or the intellectual property or contractual rights of others, or attempt to violate the security of this Site or use or gain access to the identities, information or computers of others through this Site.
• You may not delete, decompose, decompile, reverse engineer, disassemble or otherwise deconstruct all or any portion of this Site.
• You may not transmit any virus, worm, time bomb, or similar system interference or corruptant through this Site.

SMD has the right (but not the obligation) to monitor this Site for any unauthorized or objectionable conduct and to take all appropriate actions in response, without notice to you and we may at any time revoke your right to use all or any portion of the Site. SMD may investigate any complaint regarding or suspected violation of these Terms of Use, and may report any activity relating to this Site to regulators, law enforcement officials, or other persons or entities that it deems appropriate.

2. International Use

The Site is operated and controlled by us in the United States, and the Content provided in or accessible through the Site is, unless otherwise specified, directed at residents of the United States. Despite the global nature of the Internet, SMD makes no claims that the Content or the Site are appropriate or may be viewed or used outside the United States. Access to the Site from countries or territories where such access is illegal is prohibited. SMD makes no representations that the transactions, products, or services discussed on or accessible through the Site are available or appropriate for sale or use in all jurisdictions or by all users. Those who access the Site from outside the United States do so on their own initiative and are responsible for compliance with local laws, rules and regulations.

3. Linked Sites

SMD does not review or monitor any websites linked from or to the Site and is not responsible for the content of any such websites, or any products or services contained on or accessible through such other websites, their terms of use, or privacy policies. You are advised to review the terms of use and privacy policies of any website that you visit. SMD disclaims responsibility for the privacy policies and customer information practices of third-party internet websites linked from the Site.

4. Transmission to and from the Site

Any communication or content that you send to the Site is and will be deemed to be non-confidential as between you and us, and SMD will be free to use, modify, reproduce and distribute it for any purpose without compensation to you.

5. Password and Security Notification

Certain areas of the Site may be password-protected. You may not attempt to access any password-protected areas of the Site without authorization. If you have been issued a password for the Site, you agree that SMD has granted you limited access to specific files pertaining to investments relevant to you, and you agree not to attempt to access other computer files.

All information that SMD provides to Site users supplying a password is confidential and intended solely for the information of its intended recipient and/or such recipient's financial, legal, or tax advisors, provided that such advisors agree not to disclose any information that is confidential.

You are solely responsible for maintaining the confidentiality of your passwords, account information, usernames, and/or security questions and answers for the Site, and for logging off any protected areas of the Site when you finish a session. Accordingly, you should protect the confidentiality of your password, and notify SMD immediately if you become aware of its unauthorized use. If you share your password with a third party, you assume all responsibility for all such party's activity related to the Site.

6. Limitation of Liability and Disclaimers

SMD, its affiliates, and their respective officers, directors, managers, partners, members, shareholders, employees, affiliates, and agents (collectively “Related Persons”) make no representations or warranties and specifically disclaim any and all warranties of any kind, express or implied, with respect to the Site and the Content, including any representations or warranties with respect to merchantability, fitness for a particular purpose, title, non-infringement, availability, security, accuracy, freedom from viruses or malware, completeness, timeliness, functionality, reliability, sequencing or speed of delivery. Your use of the Site and the Content is on an “as is” and “as available” basis.

In no event shall SMD, its affiliates, or their Related Persons be liable to any party for any claims, liabilities, losses, costs, or damages under any theory, including but not limited to any direct, indirect, punitive, special, incidental, or consequential damages arising out of in connection with any access, use (or inability to use) or distribution of the Site, or any Content therein. This is true even if SMD has been advised of the possibility of such damages or losses.

7. Governing Law and Forum

The laws of the State of California govern these Terms of Use. Any dispute relating to these Terms of Use or your use of the Site shall be resolved solely in the state or federal courts located in San Diego County, CA. You agree to waive trial by jury in any such action.

Supple-Merrill & Driscoll, Inc. Insurance Agents and Brokers

Social Media Account Disclosures

Please read these Terms and Conditions of Use (“Terms and Conditions”) carefully.

Supple-Merrill & Driscoll, Inc. Insurance Agents and Brokers (the “Company”) may sponsor accounts on various social media and networking platforms. Content and other information contained on the Company's social media and networking platforms (the “Site”) that is provided by the Company is for informational purposes only, represents the current, good-faith views of the Company, and is subject to change without notice.

The Company makes all reasonable efforts to ensure that the information contained on the Site is accurate and reliable; however, errors sometimes occur. You should note that the materials on the Site are provided "as is" without any express or implied warranties. The Company does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that the Site or the servers that make it available are free from viruses or other harmful components. The Company does not warrant or represent that the materials on the Site are correct, accurate, or reliable. You (and not the Company) assume the entire cost of all necessary servicing, repair, or correction of your property or operations as a result of using the Site.

Due to the highly regulated nature of our industry and as a matter of policy, the Company does not follow other users and, in some instances, may not reply to user comments. You are not authorized to post on or transmit to or from the Site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other content that could give rise to any civil or criminal liability under the law. Further, we reserve the right to review and remove comments and the right to block comments or commenters for any reason.

For your own security and protection, please do not include personal or account information in posts or other messages directed to the Company. Please refrain from posting any comments, positive or negative, on the Company, our products, or employees. We reserve the right to delete any such postings.

The Company in no way endorses or takes responsibility for any content, advertising, products, advice, opinions, recommendations, or other materials posted by followers or other third parties on the Site. Any comments or opinions posted by another user should be attributed to that user and not the Company.

Hyperlinks to Other Websites

We may occasionally provide "hyperlinks," also known just as "links," to other companies' websites. We provide these links when we think there are other websites that may interest or educate you. This is done as a convenience to you and should not be construed as an endorsement of any website, company, product, or service by the Company. While we make every attempt to provide links only to those websites we think are worthwhile and accurate, we cannot be responsible for the content or accuracy of the information presented on those websites, and we specifically disclaim any liability for any loss or damages which you may incur, directly or indirectly, as a result of your use of them. We reserve the right to terminate a link to a third-party website at any time.

Copyrights and Trademarks

The Site's content is protected by U.S. and worldwide copyright and trademark laws and treaty provisions. By using the Site, we do not grant you any rights to reproduce, sell, or license any of the content contained herein, except that you may print a copy of the information contained herein for your personal use only. You may not reproduce or distribute the text or graphics to others, or copy all or substantially all of the content to your own hard drive or server. You also may not create a link from a third-party website to the Site without the prior written permission of the Company.

Miscellaneous Provisions

Social media and networking platforms are public sites. The Company is in no way affiliated with any social media or networking platform and has no responsibility for its operations and services. The Company is not responsible for any social media or networking platform's terms of use or privacy or security policies, or any other third-party sites that may be linked to by a social media or networking platform site. By using the Site, you accept at your own risk that the Internet and online communications medium may not perform as intended despite the efforts of the Company, your Internet Service Provider, and you.

The Company and its affiliates disclaim, to the fullest extent permitted by law, all express and implied warranties of merchantability, fitness for a particular purpose, and non-infringement. If you live in a state that does not allow disclaimers of implied warranties, our disclaimer may not apply to you.

The “SMD” name and logo are registered service marks of the Company. For additional information regarding account security and privacy, refer to our Privacy Policy, available at: productioninsurance.com.

Your Acceptance of these Terms

Your use of the Site constitutes your acceptance of the terms contained herein. You may reject these terms by leaving the Site at any time.