Personal information is information that directly or indirectly identifies you or can be used to identify you as an individual. We collect information in the following ways:

Information You Provide. The personal information we may collect includes:

Application Information such as your name, phone number, and email address.

Contact information such as your name, email address, phone number, company name, physical address, or any other comments or information you choose to provide in your message or other online and offline communications with us.

Account information such as your name, phone number, email address, zip code, employer ID number and other account credentials.

Business information you provide if you attend an event or as provided through the Platforms, such as your name, phone number, email address, company name and other business information.

The Site does not currently respond to browser-based "Do Not Track" signals.

We use your personal information for our business and commercial purposes, including to:

Provide our products and services and related customer service.

Respond to questions or requests from you, deliver information about our products and services or promotions that may be of interest to you, send you text messages or push notifications (based on your indicated preferences) or otherwise communicate with you.

Enhance our products, services, and Platforms.

Prevent fraud and protect the security of our systems.

Comply with law and law enforcement requirements.

Protect CAIS and the rights of our customers, employees, or others.

For the purposes noted above, we may share your information with:

You can choose not to give us your personal information but, in some cases, we will not be able to provide our products or services or respond to your questions or requests without certain information. You also have the following rights and choices regarding your information and engagement with the Platforms:

We use physical, administrative, and technical safeguards designed to protect your information from unauthorized access, use or disclosure. However, because no measure is ever 100% effective when transmitting information over the Internet, we do not guarantee that your information will be secure from theft, loss, or unauthorized access.

The Site may include links to third-party websites we think may be of interest to you. Please note that these websites are independent from the Site, and we are not responsible for the content or privacy practices of such sites or platforms. Your use of such third-party sites will be subject to the third-party’s privacy policies.

CAIS is in the United States. Our services and the Platforms are not targeted at individuals outside the United States. If you are visiting the Platforms from outside the United State and provide us with personal information, please note that your information will be accessed, transferred, stored, and processed by CAIS in the United States where the data protection laws may differ from those in the country where you are located. By doing business with or interacting with our Platforms, you acknowledge and agree to the transfer of your personal information to the United States and understand that such information will be stored and processed in accordance with this Privacy Policy and the laws of the United States.

Pursuant to California Civil Code § 1798.83, California residents with whom we have a business relationship can request information about the types of personal information, if any, we shared with third parties for the direct marketing purposes of the third parties and the identities of the third parties with whom we shared such information in the last 12 months. We do not share your personal information with third parties in this manner and have not done so in the last 12 months. You may request more information by emailing us at [insert email].

We do not offer services aimed at children. If we learn that we have inadvertently collected personal information from anyone under the age of eighteen, we will delete it. If you believe that we have collected personal information from anyone under the age of eighteen, please contact us using one of the methods indicated in the "Contact Us" section below.

We reserve the right to modify this Privacy Policy at any time, so please review it frequently.Any updates to this Privacy Policy will be posted on the Platforms and we will indicate the last updated date of the changes at the top of the Privacy Policy. Your continued use of the Platforms means you accept those changes as of the last updated date.

If you have any questions or comments about this Privacy Policy, please email questions@caislive.com or mail us at 5045 Robert J Mathews Pkwy, Ste. 100, El Dorado Hills, CA 95762.

Along with these Terms, please read our Privacy Policy which is hereby incorporated and made part of these Terms. If you register an account with us, your account activity may be subject to additional terms. Those terms are hereby incorporated and made part of these Terms. In the event of a conflict between these Terms and any account-specific terms in the Agency Producer Agreement, the Agency Producer Agreement terms will control with respect to your use of the account.

If you register an account on the Site (your "Account"), you: must not allow any third party to access the Site or your Account using the username and password ("Login Credentials") we assigned to you during the registration process; are prohibited from using anyone else’s Login Credentials and password to access the Site or your Account; are responsible for any use of your Account by any third party who accesses the Site or your Account using your Login Credentials and/or password; will notify us immediately if you suspect any unauthorized use of your Account or of your Login Credentials; and are responsible for ensuring that any information that you or your company representative has provided to us as part of the account registration process is truthful, accurate, complete, and is kept up to date at all times, and you or your company representative will notify us immediately of any changes to this information. We are not responsible or liable for any loss or damage arising from your failure to comply with these requirements and you may be held liable for any losses incurred by us or any other user of the Site if your failure to keep your account information secure and confidential results in someone else’s use of your Account or account information.

By having a registered account with login credentials, each user is opting into all emails pertaining to the accounts and related transactions provided in the system as well as any related system or product offering and marketing notices related to the products provided within the site. Opting out of emails pertaining to or related to the accounts and transactions is not available for registered account users.

Other than as expressly permitted in the next sentence, you may not copy, reproduce, distribute, transmit, display, perform, publish, license, modify, translate, adapt, create derivative works from, transfer, sell or otherwise exploit the Site or any content, information, software, products, or services obtained from the Site without our prior written permission. You may view and display the public portions of the Site (that do not require password access) solely for your own internal, noncommercial, lawful use. You may only use restricted Site content subject to the expressly stated restrictions or limitations relating to specific material on the Site, and such other additional terms and conditions or agreements as we or our licensors or suppliers may require you to agree to as a condition to use such material. If you make other use of the Site and materials available through the Site, except as otherwise provided above, you may violate copyright and other laws of the United States, other countries, as well as applicable state laws and may be subject to liability for such unauthorized use.

You may not (a) decompile, disassemble, or reverse engineer the Site or any portion thereof; (b) attempt to gain unauthorized access to the Site, any portion thereof, including content accessible via the Site, or any other system or platform through the Site; (c) use any automatic device, program, algorithm, or methodology, or engage in harvesting of email addresses or other personal information, unsolicited emailing, phone calling or mailings, spoofing, flooding, overloading, spidering, screen scraping, database scraping, or any similar or equivalent manual process to access, acquire, copy or monitor any portion of the Site or any content on the Site; or (d) reverse look up, trace or seek to trace any information on any other user of or visitor to the Site to its source. You agree that you will not use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

You will not use the Site to violate any applicable law, rule, or regulation and you will not encourage or enable others to violate any applicable law, rule, or regulation.

The Site contains valuable trademarks and service marks owned and used by us and our affiliate companies (collectively, "Our Marks"). Any use of Our Marks for any commercial purpose without our express prior written permission is strictly prohibited. The arrangement and layout of the Site, including but not limited to, Our Marks, images, text, graphics, buttons, screenshots, music, digitally downloadable files, product descriptions, and other content or material on the Site, are the sole and exclusive property of us or our licensors, or other suppliers. You agree not to use the Site content in any manner that is likely to cause confusion among customers, that disparages or discredits us and/or our licensors or other suppliers, that dilutes the strength of our or our licensors’ or other suppliers’ property, or that otherwise infringes or misappropriates our or our licensors’ or other suppliers’ intellectual property rights. UNAUTHORIZED COPYING, REPRODUCTION, MODIFYING, REPUBLISHING, UPLOADING, DOWNLOADING, POSTING, TRANSMITTING, MAKING DERIVATIVE WORKS OF OR DUPLICATING ALL OR ANY PART OF THE SITE OR ANY CONTENT OR MATERIALS ON THE SITE FOR COMMERCIAL USES IS STRICTLY PROHIBITED.

Due to various insurance and other regulatory restrictions, certain products and services described on the Site are not available to all users. Not all insurance coverages or products are available in all jurisdictions, and all coverages and products are subject to meeting the applicable company’s underwriting requirements. All materials on the Site are presented solely for the purpose of providing insurance information and quotes in states in which the applicable entity is authorized to do business.

The Site may provide certain summary descriptions or other helpful information regarding products and services. We attempt to be as accurate as possible; however, any such materials are intended to generally describe the products and services.

We welcome your feedback, testimonials, comments, ideas, and reviews about the Site ("Feedback"). Unless specifically otherwise stated, you agree that by submitting Feedback to us, (a) such Feedback shall be deemed to be non-confidential, and (b) you grant to us, our successors, affiliates, representatives and agents a perpetual, royalty-free, fully paid-up, irrevocable, transferable, worldwide right and license to use, transmit, copy, reproduce, publicly display or perform, create derivative works of, or otherwise use such Feedback, without compensation, acknowledgement or notice to you. You also represent and warrant to us that you have the necessary permissions and rights to provide such Feedback to us.

The Site may contain links to, or may be linked from, other websites that are not maintained by us. We do not endorse, have any responsibility for, or make any representations about any other websites, including their products and services, content, communications, and website use policies. We expressly disclaim any responsibility for your access to or use of such other websites. You should review the terms and conditions and privacy policies of any other website that you visit.

Your use of the Site is at your sole risk. THE SITE, INCLUDING, WITHOUT LIMITATION, ANY MATERIALS, INFORMATION, CONTENT, FUNCTIONS, PRODUCTS, TEXT, GRAPHICS AND LINKS THEREON, ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, AND ARE PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, NON-INTERFERENCE, DATA ACCURACY, SYSTEM INTEGRATION, AND WARRANTIES ARISING FROM TRADE USAGE,COURSE OF DEALING OR COURSE OF PERFORMANCE. THE PROTECTED ENTITIES DO NOT WARRANT THAT (A) THE SITE WILL FUNCTION UNINTERRUPTED, SECURELY OR BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; (B) ANY ERRORS OR DEFECTS WILL BE CORRECTED; (C) THE SITE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (D) THE RESULTS OF USING THE SITE WILL MEET YOUR REQUIREMENTS. WE DO NOT MAKE ANY WARRANTIES OR REPRESENTATIONS REGARDING THE USE OF CONTENT ON THE SITE OR WITH RESPECT TO ITS COMPLETENESS, ACCURACY, TRUTHFULNESS, AVAILABILITY, ADEQUACY, USEFULNESS, TIMELINESS, SECURITY, RELIABILITY OR OTHERWISE. IF YOU ARE DISSATISFIED WITH THE SITE, YOUR SOLE REMEDY IS TO DISCONTINUE USING THE SITE. YOU AGREE THAT WE, IN OUR SOLE DISCRETION, MAY IMMEDIATELY TERMINATE YOUR ACCESS TO THE SITE AT ANY TIME, FOR ANY REASON. YOU AGREE THAT WE WILL NOT BE LIABLE TO YOU OR ANY OTHER PARTY FOR ANY TERMINATION OF YOUR ACCESS TO THE SITE OR DELETION OF YOUR ACCOUNT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF OR LIMITATIONS ON IMPLIED WARRANTIES OR THE LIMITATIONS ON THE APPLICABLE STATUTORY RIGHTS OF A CONSUMER, SO SOME OR ALL OF THE ABOVE EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU.

YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS US, OUR LICENSORS, AND OUR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUCCESSORS, AND ASSIGNS, AS WELL AS OTHER USERS OF THE SITE, FROM AND AGAINST ANY AND ALL LOSSES, DAMAGES, LIABILITIES, DEFICIENCIES, CLAIMS, ACTIONS, JUDGMENTS, SETTLEMENTS, INTERESTS, AWARDS, PENALTIES, FINES, COSTS, OR EXPENSES OF WHATEVER KIND, INCLUDING, WITHOUT LIMITATION, ALL REASONABLE ATTORNEYS’ FEES, ARISING FROM OR RELATING TO (A) USE AND ACCESS OF THE SITE, BY YOU OR ANY PERSON USING YOUR ACCOUNT; (B) BREACH OF OR FAILURE TO COMPLY WITH THESE TERMS BY YOU OR ANY PERSON USING YOUR ACCOUNT; (C) VIOLATION OF THE LAW OR ANY THIRD-PARTY RIGHT BY YOU OR ANY PERSON USING YOUR ACCOUNT; (D) YOUR CONTENT OR ANY OTHER INFORMATION YOU PROVIDE TO US VIA THE SITE AND (E) ANY ACTIVITY OTHERWISE RELATED TO USE OF THE SITE (INCLUDING NEGLIGENT OR WRONGFUL CONDUCT) BY YOU OR ANY PERSON USING YOUR ACCOUNT.

WE AND OUR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUCCESSORS AND ASSIGNS SHALL HAVE NO LIABILITY TO YOU OR TO ANY THIRD PARTY ARISING OUT OF OR RELATED TO YOUR CONTENT OR ANY OTHER INFORMATION YOU SHARE WITH US. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE OR OUR RESPECTIVE LICENSORS OR SERVICE PROVIDERS, HAVE ANY LIABILITY ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF OR INABILITY TO USE THE SITE FOR: (A) PERSONAL INJURY, DEATH, PROPERTY DAMAGE, LOST PROFITS, COST OF SUBSTITUTE GOODS OR SITE, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, COMPUTER FAILURE OR MALFUNCTION, OR ANY OTHER CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL, OR PUNITIVE DAMAGES; OR (B) IN NO EVENT WILL OUR LIABILITY EXCEED IN THE AGGREGATE IN THE AMOUNT OF FEES PAID BY YOU TO USE IN THE LAST SIX (6) MONTHS. THE FOREGOING LIMITATIONS WILL APPLY WHETHER SUCH DAMAGES ARISE OUT OF BREACH OF CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), OR OTHERWISE AND REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE OR COMPANY WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU AGREE THAT ANY CLAIM OR CAUSE OF ACTION RELATED TO THE SITE AND/OR THESE TERMS MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER BARRED. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY SO SOME OR ALL OF THE ABOVE LIMITATIONS OF LIABILITY MAY NOT APPLY TO YOU.

Any controversy or claim arising out of or relating to this agreement, or the breach thereof, shall be settled by arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The place of arbitration shall be El Dorado County, California. The arbitration shall be governed by the laws of the State of California.

These Terms, together with our Privacy Policy, each as may be amended from time to time, constitute the entire agreement between you and us regarding the Site. Neither the course of conduct between us nor trade practice shall act to modify these Terms. No failure to exercise, and no delay in exercising, on the part of either party, any right or any power under these Terms will act as a waiver thereof, nor will a single or partial exercise of any right or power under these Terms preclude further exercise of that or any other right under these Terms. These Terms, and any rights and licenses granted hereunder, may not be delegated, transferred, or assigned by you, but may be assigned by us without restriction. Any purported delegation, transfer, or assignment by you shall be null and void.

If any provision of these Terms is found to be illegal, invalid, or unenforceable by a court of competent jurisdiction, such provision will be deleted from these Terms and the remaining provisions will continue with full force and effect.

The Site is operated out of the United States. We make no representation that the Site, or content or information available via the Site, is appropriate or available for use outside of the United States, and access to it from jurisdictions where the content is illegal is prohibited. Those who choose to access the Site from outside the United States do so at their own initiative and are responsible for compliance with all applicable local laws.

We reserve the right to modify these Terms, and to add new or additional terms or conditions on your use of the Site, for any reason, without notice, at any time. Such modifications and additional terms and conditions will be effective immediately and incorporated into these Terms upon posting of revised Terms on the Site. Your continued use of the Site afterward will be deemed acceptance of the then-current Terms. We may modify or discontinue providing the Site more broadly, in whole or in part, at any time, for any reason, without prior notice.

If you have any questions or comments about these Terms or the Site, please feel free to contact us by email at questions@caislive.com or mail us at 5045 Robert J Mathews Pkwy, Ste. 100, El Dorado Hills, CA 95762.