Terms of Use

Paul Horrocks, (“Paul Horrocks” or “Agent” or “we” or “us” or “our” or “LBI Financial”) is an insurance agent located in the State of New York.

Introduction

Please read these Terms of Use for Agent’s website carefully. Any use of Agent’s website will constitute your acceptance of the Terms and Conditions. Agent may revise these Terms and Conditions at any time by updating this posting. You should visit this page periodically to review the Terms of Use.

No Recommendations to Buy or Sell Securities Contained on Website

Nothing on this website should be construed as a solicitation or offer, or recommendations to buy or sell any security, or as an offer to provide Advisory services in any jurisdiction in which such solicitation or offer would be unlawful under the securities laws of such jurisdiction.

Firm’s Liability

While Agent strives to ensure that the information contained in this website is accurate and reliable, Agent makes no representations about the accuracy, reliability, completeness, or timeliness of content or about the results to be obtained from using its website or any of its content. Changes are periodically made to Agent’s website and may be made at any time.

THE AGENT DOES NOT WARRANT THAT ITS WEBSITE WILL OPERATE ERROR-FREE OR THAT THIS WEBSITE AND ITS SERVERS ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL CONTENT. IF YOUR USE OF AGENT’S WEBSITE, THE MATERIAL, OR THE SOFTWARE RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, THE AGENT IS NOT RESPONSIBLE FOR THOSE COSTS.

THE AGENT’S WEBSITE IS PROVIDED ON AN “AS-IS” BASIS WITHOUT ANY WARRANTIES OF ANY KIND. AGENT EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTY OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES’ RIGHTS, AND THE WARRANTY OF FITNESS FOR PARTICULAR PURPOSE. AGENT MAKES NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE MATERIAL, SERVICES, SOFTWARE, TEXT, GRAPHICS, VIDEOS, OR LINKS CONTAINED IN THE FIRM’S WEBSITE.

Use of Material

The contents of the Agent’s website, such as text, graphics, photographs, images, and other material (“Material”) are protected by copyright under both United States and foreign laws. Unauthorized use of the Material may violate copyright, trademark, and other laws.

Indemnification

You agree to defend, indemnify, and hold harmless the Agent and its respective officers, members, directors, employees, and affiliates from and against any claim, action, or demands, including, without limitation, reasonable legal and account fees alleging or resulting from the use of this website or any breach of the Terms of Use.

Warranty

To the maximum extent permitted by law, Agent provides the material on the Website and the Service as is. That means Agent doesn’t provide warranties of any kind, either express or implied, including but not limited to warranties of merchantability and fitness for a particular purpose.

Links to Other Websites

The Agent’s website may contain links to other websites. These links are provided solely as a convenience to you and not as an endorsement by the Agent of the contents on these websites. The Agent is not responsible for the content of linked sites and does not make any representations regarding the content or accuracy of material on such websites.

Choice of Law

The State of New York’s laws, except for conflict of laws rules, will apply to any dispute related to these Terms or the Service. Any dispute related to the Terms, the Privacy Policy, or the website itself will be decided by the state and federal courts in New York, and each party will be subject to the jurisdiction of those courts.

Force Majeure

Agent won’t be held liable for any delays or failure in performance of any part of the Service, from any cause beyond our control. This includes, but is not limited to, acts of God, changes to law or regulations, embargoes, war, terrorist acts, riots, fires, earthquakes, nuclear accidents, zombie apocalypse, floods, strikes, power blackouts, volcanic action, unusually severe weather conditions, and acts of hackers or third-party internet service providers.

Severability

If it turns out that a section of these Terms of Use aren’t enforceable, then that section will be removed or edited as little as necessary, and the rest of the Terms will still be valid.

Interpretation

The headers and sidebar text are provided only to make this Agreement easier to read and understand. The fact that we wrote these Terms won’t affect the way this Agreement is interpreted.

Privacy Policy

Agent’s use of any personal data you submit to the website is governed by the Agent’s Privacy Policy.