Terms & Conditions

Last Revised: May 2021

Terms and Conditions of Use ALL RIGHTS RESERVED. No part of the materials made available may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means electronic, mechanical, photocopying, recording, or otherwise without prior written approval.

The precise coverage afforded by Consultants First Insurance and Risk Professionals is subject to the terms and conditions of the Consultants First Insurance policies as issued. These coverage summaries are provided for your convenience only and are not intended to replace or supersede the policy's terms and conditions. Whether and to what extent a particular loss is covered depends on the facts and circumstances of the loss, and the terms and conditions of the policy as issued.

General prohibitions

You agree not to do any of the following while using this site or content contained on the site

  • Post, publish or transmit any text, graphics or other material that: (i) is false or misleading; (ii) is defamatory; (iii) invades another's privacy; (iv) is obscene, pornographic, or offensive; (v) promotes bigotry, racism, hatred or harm against any individual or group; (vi) infringes another's rights, including any intellectual property rights; (vii) violates or encourages others to violate any applicable law or regulation; or (viii) would give rise to civil liability;

  • Attempt to probe, scan, or test the vulnerability of any system or network or breach any security or authentication measures;

  • Attempt to access or search the site or content with any engine, software, tool, agent, device or mechanism other than software and/or search agents provided by Consultants First Insurance and Risk Professionals or other generally available third party web browsers;

  • Send unsolicited email, junk mail, "spam," promotional or advertising for products or services, or chain letters;

  • Forge any TCP/IP packet header or any part of the header information in any electronic communication or posting, or in any way use the site or content to send altered, deceptive or false source-identifying information;

  • Attempt to decipher, decompile, disassemble or reverse engineer any of the software used to provide the site or content;

  • Interfere with, or attempt to interfere with, the access of any user, host or network, including without limitation sending a virus, overloading, flooding, spamming, or mail-bombing the site;

  • Impersonate or misrepresent your affiliation with any person or entity; or

  • Use the site or content in any way that violates any applicable law, statute, ordinance or regulation (including but not limited to those pertaining to consumer protection, unfair competition, anti-discrimination, false advertising or export control).

    The content of this site and of these Terms of Use are subject to change without prior notice.