Your use of this website is expressly subject to these TERMS OF USE ("TERMS"), as well as all applicable laws and regulations.Please read these TERMS carefully.If you do not accept and agree to be bound by any of these TERMS, you are not authorized to access or otherwise use this website or any information, or services contained on this website.By using this website, you agree to the most-recent TERMS as well as the most-recent version of our Internet Privacy Policy.These TERMS constitute a legally binding agreement between you, as the person using this website, and CIGA.If you are helping another person use this website these TERMS constitute a legally binding agreement between both the helper and the person being helped and CIGA. TERMS such as "we" or "our" and "CIGA" refer to CIGA.
We may change these TERMS at any time by posting here and you will be bound by any such changed, modified, supplemented or updated TERMS if you continue to use this website after such changes are posted. We encourage you to review these TERMS each time you visit this website.
The information and materials contained in these pages are subject to change. CIGA reserves the right to modify this web site and the TERMS governing its access and use at any time. Any modification to the TERMS will be posted to this page of CIGA's web site. Please check this page each time you access and use this web site. By continuing to use this web site after any changes are posted, you will be deemed to have accepted such changes.
CIGA provides this web site as a service to the public and for the convenience of its members and others in the insurance industry working on guarantee matters. CIGA does not charge a fee to access materials or information on this web site.The information and materials on this web site are intended to be a general information resource regarding the matters covered but are not offered as legal, accounting, or other professional advice, and are not tailored to specific circumstances.
VIOLATIONS
CIGA reserves the right, at its sole discretion, to take such actions as it deems appropriate, including without limitations, blocking access from a particular internet address to the web site and seeking all remedies available at law and in equity for violations of the TERMS set forth in this web site.
LINKS TO THIRD PARTY WEB SITES
The CIGA web site contains links to other web sites controlled or offered by third parties. These links are provided as a convenience to users of the CIGA web site. The inclusion of any link does not imply a CIGA endorsement, recommendation, or sponsorship of the third party organization, its web site, it products and services, or information contained at that web site. In addition, CIGA does not assume any responsibility for any failure of products, information, services, or advice offered or advertised at those web sites. CIGA has not reviewed and is not responsible for the privacy practices or content of these third party web sites.
You are urged to follow safe internet practices. Since CIGA has no control over such third party web sites, you acknowledge and agree that CIGA is not responsible for the content, practices, or use of the third party web sites. NO WARRANTIES ALL CONTENT ON THIS WEBSITE IS PROVIDED TO YOU ON AN "AS IS," "AS AVAILABLE" BASIS. CIGA HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. CIGA MAKES NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF ANY CONTENT AVAILABLE THROUGH THIS WEBSITE.CIGA MAKES NO REPRESENTATIONS OR WARRANTIES THAT USE OF THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR TAKING ALL PRECAUTIONS NECESSARY TO ENSURE THAT ANY CONTENT YOU MAY OBTAIN FROM THIS WEBSITE IS FREE OF VIRUSES AND ANY OTHER POTENTIALLY DESTRUCTIVE COMPUTER CODE. LIMITATION OF LIABILITY TO THE FULL EXTENT ALLOWED BY LAW, YOU AGREE THAT CIGA SHALL NOT BE LIABLE FOR ANY DAMAGES RESULTING FROM YOUR USE OR INABILITY TO USE THIS WEBSITE OR THE CONTENT. THIS PROTECTION COVERS CLAIMS BASED ON WARRANTY, CONTRACT, TORT, STRICT LIABILITY, AND ANY OTHER LEGAL THEORY. THIS PROTECTION COVERS CIGA, INCLUDING ALL AFFILIATES, THEIR OFFICERS, BOARD OF GOVERNORS, EMPLOYEES, AND AGENTS. THIS PROTECTION COVERS ALL LOSSES INCLUDING, WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, AND PUNITIVE DAMAGES, PERSONAL INJURY/WRONGFUL DEATH, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION.ALL DAMAGES, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE, RESULTING FROM ANY USE OF THE WEB CONTENT, WEBSITE, OR MATERIALS ARE EXCLUDED EVEN IF CIGA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU AGREE THAT YOU USE THIS WEBSITE AT YOUR OWN RISK. IF YOU ARE DISSATISFIED WITH THIS WEBSITE OR THE CONTENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE.
CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS. GOVERNING LAW Use of this web site shall be governed in all respects by applicable California laws without reference to choice of law rules. This web site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. Those who choose to access this web site from such locations do so on their own initiative and are responsible for compliance with applicable local laws.You agree that the only proper jurisdiction and venue for any dispute in any way relating to your use of this website is in the Superior Court for the County of Los Angeles, State of California.You further agree and consent to the exercise of personal jurisdiction in this Court in connection with any dispute in any way relating to your use of this website.Having provisions of these terms is determined to be invalid under any statute or rule of law, such provision is to that extent to be deemed omitted, and the balance of these TERMS shall remain enforceable. PRIVACY POLICY CIGA strongly believes in maintaining the privacy of non public personal information we collect from individuals who visit our web site. We encourage you to read this Privacy Policy before using our web site.
By using the web site, you agree to the terms and conditions of this Privacy Policy. If you do not agree to the terms and conditions of this Privacy Policy, please do not use this web site. Terms such as "we" or "our" and "CIGA" refer to CIGA and its affiliated entities. PERSONAL INFORMATION WE COLLECT AND USE AT THIS WEB SITE We do not collect any personal information about you at our web site unless you choose to provide it to us voluntarily. We define ?personal information? as information that is unique to you and might include your phone number, name, age, address, or Social Security number. If you do provide us with personal information, we will only use it for the purposes described where it is collected, and we will not sell, license, transmit or disclose this information outside of CIGA, unless (1) you expressly authorize us to do so, or (2) otherwise as we are required or permitted by law. PROTECTING YOUR CONFIDENTIAL INFORMATION
We reserve the right to disclose any personal information as needed if such information is requested by law enforcement agencies or if we are required to do so by law, regulation, subpoena, court order or by a government entity. We also may disclose personal information to third parties if we have reason to believe that disclosing such information is necessary to conduct investigations of possible breaches of law, to cooperate in any legal investigation, or to identify, contact, or bring legal action against someone who may be violating the terms of use of our web site. CONFIDENTIALITY AND SECURITY
Security is a top priority at our web site.When you submit sensitive information to our website, your information is protected both online and offline. We restrict access to personal information collected about you at our web site to our employees or others who need to know that information in the course of conducting our normal business operations. We maintain appropriate physical, electronic, and procedural safeguards to protect personal information. THE RIGHT TO VERIFY THE ACCURACY OF INFORMATION WE COLLECT Keeping information accurate and up to date is important to us. An individual may see and correct their personal information that we collect except for information relating to a claim or a criminal or civil proceeding.Contact us at the address provided below if you wish to verify your personal information. LINKS TO OTHER SITES Our web site may contain links to the web sites that are owned and operated by third parties. These other web sites may have their own privacy policies and would not be governed by this Privacy Policy. We are not responsible for the privacy practices or other content of web sites that are owned and operated by any such third parties. Other web sites may collect and treat information collected differently, so we encourage you to carefully read and review the privacy policy for each web site you visit. Links to various third party web sites do not constitute or imply endorsement by CIGA of these web sites, any products or services described on these sites, or of any other material contained in them. CHANGES IN OUR ONLINE PRIVACY POLICY
We reserve the right to change or replace this Privacy Policy at our sole discretion at any time. The most recent version of the Privacy Policy is reflected by the version date located at the bottom of this Privacy Policy. Please check back from time to time to ensure that you are aware of any updates or changes in this Privacy Policy. This Privacy Policy is not intended to and does not create any contractual or other legal rights in or on behalf of any party. Last Revised: August 1, 2008