TERMS AND CONDITIONS


Terms and Conditions

This web page represents a legal document and is the Terms and Conditions (Agreement) for our
website, www.campioninsurance.com (Website). By using our Website, you agree to fully
comply with and be bound by the following Agreement each time you use our Website. Please
review the following terms carefully.

Our Services
Our Website offers the following services: Information about our insurance agency, request for
product information forms, benefits of the insurance products we offer including personal,
business, life and health insurance, and important insurance company contact information.

Definitions
The terms “us” or “we” or “our” refers to Campion Insurance, Inc., the owner of this Website. A
“Visitor” is someone that merely browses our Website. A “Member” is someone who has
registered with our Website to use our Services. The term “User” is a collective identifier that
refers to either a Visitor or a Member.

All text, information, graphics, design, and data offered through our Website or Services, whether
produced by our Members or by us, are collectively known as our “Content”. We distinguish
content posted by our Members as “Member Content”.

Acceptance of Agreement
This Agreement is between you and Campion Insurance, Inc.
THIS AGREEMENT CONTAINS WARRANTY DISCLAIMERS AND OTHER PROVISIONS THAT LIMITS
OUR LIABILITY TO YOU. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY AND IN THEIR
ENTIRETY, AS USING, ACCESSING AND/OR BROWSING OUR WEBSITE CONSTITUTES ACCEPTANCE
OF THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO BE BOUND TO EACH AND EVERY
TERM AND CONDITION SET FORTH HEREIN, PLEASE EXIT OUR WEBSITE IMMEDIATELY AND DO
NOT USE, ACCESS AND/OR BROWSE IT FURTHER.

Except as otherwise noted, this Agreement constitutes the entire and only Agreement between
you and Campion Insurance, Inc., and supersedes all other Agreements, representations,
warranties and understandings with respect to our Website, Services, and the subject matter
contained herein. However, in order for you to use our Website and/or Services, you may also
be required to agree to additional terms and conditions. Those additional terms and conditions
will be incorporated into this Agreement unless otherwise stated.

Limited License
Campion Insurance, Inc. grants you a non-exclusive, non-transferable, revocable license to access
and use our Website and Services strictly in accordance with this Agreement. Your use of our
Website and Services are solely for internal, personal, non-commercial purposes, unless
otherwise provided in this Agreement. No print out or electronic version of any part of our
Website or Services may be used by you in any litigation or arbitration matter whatsoever under
any circumstances.

Legal Compliance
You agree to comply with all applicable domestic and international laws, statutes, ordinances and
regulations regarding your use of our Website, Content, Services, and any software provided
therein.

Our Relationship to You
This Agreement in no way creates any agency, partnership, joint venture, employee-employer or
franchisor-franchisee relationship between you and Campion Insurance, Inc.

Our Intellectual Property
Our Website may contain our service marks or trademarks as well as those of our affiliates or
other companies, in the form of words, graphics, and logos. Your use of our Website or Services
does not constitute any right or license for you to use our service marks or trademarks, without
the prior written permission of Campion Insurance, Inc.

Our Content, as found within our Website and Services, is protected under United States and
foreign copyrights. The copying, redistribution, use or publication by you of any such Content, is
strictly prohibited. Your use of our Website and Services does not grant you any ownership rights
to our Content.

Digital Millennium Copyright Act Compliance
Our Website will respond quickly to claims of copyright infringement as found in our Content,
according to the terms of the Digital Millennium Copyright Act of 1998 (DMCA) as found under
United States law (17 USC. § 512). If you believe any of your copyrights are infringed by our

Content, please provide us with a written notice via mail, fax, or email that contains the following
information:
1) An electronic or physical signature of the person authorized to act on behalf of the owner
of the copyright interest;
2) A description of the copyrighted work that you claim has been infringed;
3) A description of where the material that you claim is infringing is located on our Website;
4) Your address, telephone number, and email address;
5) A statement by you that you have a good faith belief that the disputed use is not
authorized by the copyright owner, its agent, or the law; and
6) A statement by you, made under penalty of perjury, that the above information in your
Notice is accurate and that you are the copyright owner or authorized to act on the
copyright owner’s behalf.

We are only required to respond to those notices that substantially comply with the above
requirements. We will investigate your claim and will notify by the method of contact you used
to file your notice with us.

Content Disclaimer
The opinions expressed on our Website are not necessarily the opinions of Campion Insurance,
Inc. Any Blog content provided by our bloggers are of the blogger’s opinion, and is not intended
to malign any religion, ethnic group, club, organization, company, individual or anyone or
anything.

The Content may be changed without notice and is not guaranteed to be complete, correct,
timely, current or up-to-date. Similar to any printed materials, the Content may become out-ofdate.

We undertake no obligation to update any Content on our Website. Members are responsible
for their own content, where applicable, and
applicable laws. We are not responsible for the illegality or any error, inaccuracy or problem in
the advertiser’s or sponsor’s materials.

THE INCLUSION OF THIRD PARTY ADVERTISEMENTS DOES NOT CONSTITUTE AN ENDORSEMENT,
GUARANTEE, WARRANTY, OR RECOMMENDATION BY CAMPION INSURANCE, INC. AND WE MAKE
NO REPRESENTATIONS OR WARRANTIES ABOUT ANY PRODUCT OR SERVICE CONTAINED
THEREIN.

Merchant and Advertisement Disclaimer
We may allow access to or advertise certain third-party product or service providers
(“Merchants”) from which you may purchase certain goods or services. You understand that we
do not operate or control the products or services offered by Merchants. Merchants are
responsible for all aspects of order processing, fulfillment, billing and customer service. We are
not a party to the transactions entered into between you and Merchants.

You agree that use of or purchase from such Merchants is AT YOUR SOLE RISK AND IS WITHOUT
WARRANTIES OF ANY KIND BY US, EXPRESSED, IMPLIED OR OTHERWISE INCLUDING
WARRANTIES OF TITLE, FITNESS FOR PURPOSE, MERCHANTABILITY OR NON-INFRINGEMENT. WE
ARE NOT LIABLE UNDER ANY CIRCUMSTANCES FOR ANY DAMAGES ARISING FROM THE
TRANSACTIONS BETWEEN YOU AND MERCHANTS OR FOR ANY INFORMATION APPEARING ON
MERCHANT WEBSITES OR ANY OTHER WEBSITE LINKED TO OUR WEBSITE.

All rules, legal documents (including privacy policies) and operating procedures of Merchants will
apply to you while on any Merchant websites. We are not responsible for information provided
by you to Merchants. Our relationship to Merchants is solely as independent contractors and
neither party has authority to make any representations or commitments on behalf of the other.

Warranty Disclaimer
Campion Insurance, Inc. is not responsible or liable in any manner for any Content posted on our
Website or in connection with our Services, whether posted or caused by Members of our
Website, or by Campion Insurance, Inc. Although we provide rules for Member conduct and
postings, we do not control and are not responsible for what Members post, transmit or share
on our Website or Services, and are not responsible for any offensive, inappropriate, obscene,
unlawful or otherwise objectionable content you may encounter on our Website or Services.
Campion Insurance, Inc. is not responsible for the conduct, whether online or offline, of any user
of our Website or Services.

Our Website or Services may be temporarily unavailable from time to time for maintenance or
other reasons. Campion Insurance, Inc. assumes no responsibility for any error, omission,
interruption, deletion, defect, delay in operation or transmission, communications line failure,
theft or destruction or unauthorized access to, or alteration of, Member communications.
Campion Insurance, Inc. is not responsible for any technical malfunction or other problems of
any telephone network or service, computer systems, servers or providers, computer or mobile
phone equipment, software, failure of email or players on account of technical problems or traffic
congestion on the Internet or any combination thereof, including injury or damage to Member’s
or to any other person’s computer, mobile phone, or other hardware or software, related to or
resulting from using or downloading materials in connection with the our Website or Services,
including without limitation any software provide through our Website or Services.
Under no circumstances will Campion Insurance, Inc. be responsible for any loss or damage,
including any loss or damage or personal injury or death, resulting from anyone’s use of our
Website or Services, or any interactions between Users of our Website or Services, whether
online or offline.

Campion Insurance, Inc. reserves the right to change any and all Content, software and other
items used or contained in our Website or Services, at any time without notice. Reference to any
products, services, processes or other information, by trade name, trademark, manufacturer,
supplier or otherwise does not constitute or imply endorsement, sponsorship or
recommendation thereof, or any affiliation therewith, by our Website, by third parties or by any
of the equipment or programming associated with or utilized by our Services.

THE INFORMATION, CONTENT AND DOCUMENTS FROM OR THROUGH OUR WEBSITE ARE
PROVIDED “AS-IS,” “AS AVAILABLE,” WITH “ALL FAULTS”, AND ALL WARRANTIES, EXPRESS OR
IMPLIED, ARE DISCLAIMED (INCLUDING BUT NOT LIMITED TO THE DISCLAIMER OF ANY IMPLIED
WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE). OUR WEBSITE
AND SERVICES MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. CAMPION
INSURANCE, INC., INCLUDING ALL OUR AFFILIATES, HAVE NO LIABILITY WHATSOEVER FOR YOUR
USE OF OUR WEBSITE OR SERVICES. CAMPION INSURANCE, INC. CANNOT GUARANTEE AND
DOES NOT PROMISE ANY SPECIFIC RESULTS FROM USE OF OUR WEBSITE OR SERVICES,
INCLUDING, BUT NOT LIMITED TO, RELATED SOFTWARE. CAMPION INSURANCE, INC. DOES NOT
REPRESENT OR WARRANT THAT OUR CONTENT, OUR SERVICES, OR ANY SOFTWARE FOUND
WITHIN ARE ACCURATE, COMPLETE, RELIABLE, CURRENT OR ERROR-FREE OR THAT ANY SUCH
ITEMS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THEREFORE, YOU SHOULD
EXERCISE CAUTION IN THE USE AND DOWNLOADING OF ANY SUCH CONTENT OR SOFTWARE AND
USE INDUSTRY-RECOGNIZED SOFTWARE TO DETECT AND REMOVE VIRUSES. ALL RESPONSIBILITY
OR LIABILITY FOR ANY DAMAGES CAUSED BY VIRUSES SOMEHOW ATTRIBUTED TO OUR
CONTENT, SERVICES, AND RELATED SOFTWARE IS DISCLAIMED. WITHOUT LIMITING THE
FOREGOING, YOU UNDERSTAND AND AGREE THAT YOU DOWNLOAD OR OTHERWISE OBTAIN
CONTENT AND RELATED SOFTWARE FROM OR THROUGH OUR WEBSITE OR SERVICES AT YOUR
OWN RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR YOUR USE THEREOF AND ANY
DAMAGES TO YOUR MOBILE DEVICE OR COMPUTER SYSTEM, LOSS OF DATA OR OTHER HARM
OF ANY KIND THAT MAY RESULT. WE, AS WELL AS ALL OF OUR AFFILIATES, ARE NOT LIABLE FOR
ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR
LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION, OR THE LIKE), WHETHER BASED ON BREACH
OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR
OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE NEGATION AND
LIMITATION OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF
THE BARGAIN BETWEEN YOU AND CAMPION INSURANCE, INC. OUR WEBSITE AND SERVICES
WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS. NO ADVICE OR INFORMATION,
WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US THROUGH OUR WEBSITE OR
SERVICES SHALL CREATE ANY WARRANTY, REPRESENTATION OR GUARANTEE NOT EXPRESSLY
STATED IN THIS AGREEMENT.

Limitation of Liability
Campion Insurance, Inc., as well as all our Affiliates, shall not be liable for any loss, injury, claim,
liability, or damage of any kind resulting in any way from (a) any errors in or omissions from our
Website or Services, (b) any product liability issues to the extent that we are not involved with
the manufacturer of the product(s) giving rise to liability, (c) the unavailability or interruption of
our Website or Services, (d) your use of our Website our Content, (e) the content contained on
our Website or Services, or (f) any delay or failure in performance of our Website and Services
beyond our control.

IN NO EVENT WILL CAMPION INSURANCE, INC. OR ITS DIRECTORS, EMPLOYEES OR AGENTS BE
LIABLE TO YOU OR ANY THIRD PERSON FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY,
INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING FOR ANY LOST PROFITS OR LOST DATA
ARISING FROM YOUR USE OF OUR WEBSITE, CONTENT, SERVICES, OR ANY RELATED SOFTWARE,
ACCESSED THROUGH OR DOWNLOADED FROM OUR WEBSITE OR SERVICES, EVEN IF CAMPION
INSURANCE, INC. IS AWARE OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, CAMPION INSURANCE,
INC.’S LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER, AND REGARDLESS OF THE FORM OF THE
ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US FOR
WEBSITE AND/OR SERVICES ACCESS DURING THE PREVIOUS MONTH OF YOUR MEMBERSHIP
PRIOR TO THE EVENT GIVING RISE TO LIABILITY.

Member Conduct
Members may post their own content to our Website through our Services (Member Content).
Members and Visitors understand that by using our Website or Service, they may be exposed to
content that is offensive, indecent, or objectionable. We have no control over Member Content
and do not in any way guarantee the quality, accuracy or integrity of such content. Campion
Insurance, Inc. is not responsible for the monitoring or filtering of any Member content. Should
any Member Content be found illegal, Campion Insurance, Inc. will submit all necessary
information to the proper authorities.

If any Member Content is reported to Campion Insurance, Inc. as being offensive or
inappropriate, we may ask the Member to retract or otherwise modify the questionable content
within 24 hours of being notified by Campion Insurance, Inc. Should the Member fail to meet
such a request, Campion Insurance, Inc. has full authority to either restrict the Member’s ability
to post Member Content OR to immediately terminate the membership of the Member, without
further notification to the Member.

Without limiting the foregoing, we have sole discretion to remove any Member Content that
violates this Agreement or is otherwise objectionable in our sole discretion.
Members are responsible for complying with all applicable federal and state laws for their
content, including copyright and trademark laws. Members shall respect copyright and
trademark laws.

You warrant that you will not use our Services to infringe the intellectual property rights of others
in any way. In accordance with the DMCA and other applicable law, we have adopted a policy of
terminating Members who we deem, in our sole discretion, to be infringers of other’s intellectual
property rights.

As a Member, you agree not to use our Services to do any of the following:
1) upload, post or otherwise transmit any Member Content that:
a. Violates any local, state, federal, or international laws.
b. Infringes on any patent, trademark, trade secret, copyright or other proprietary rights
of any party.
c. Harms, threatens, defames, promotes violence or illegal activities, or is otherwise
vulgar, obscene, abusive, harassing, tortuous, libelous, invasive of another’s privacy,
hateful, or racially, ethically or otherwise objectionable.
d. Links directly or indirectly to any materials to which you do not have a right to link.
e. Contains any private information of any third party, including, without limitation,
addresses, phone numbers, email addresses, Social Security numbers and credit card
numbers.
f. contains software viruses or any other computer code, files or programs designed to
interrupt, destroy or limit the functionality of any computer software or hardware or
telecommunications equipment, or to extract information from our Website or
Services.
g. Contains any unsolicited or unauthorized advertising, solicitations, promotional
materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form
of solicitation.
h. You do not have a right to transmit under any law (i.e. intellectual property laws) or
under contractual or fiduciary relationships (i.e. non-disclosure Agreements).
i. In the sole judgment of Campion Insurance, Inc., is objectionable or which restricts or
inhibits any other person from using or enjoying our Website or Services, or which
may expose Campion Insurance, Inc., our affiliates, or our Users to any harm or liability
of any type.
2) use our Content to:
a. Develop a competing website.
b. Create compilations or derivative works as defined under United States copyright
laws.
c. Re-distribute it in any manner, including, but not limited to, sale, license, lease, rental,
subscription, or any other distribution mechanism.
3) Decompile, disassemble or reverse engineer our Website, Services, and any related
software.
4) Use our Website or Services in any manner that violates this Agreement or any local,
state, federal, or international laws.

Use of Information
We reserve the right, and you authorize us, to the use and assignment of all of your information
regarding your use of our Website and Services in any manner consistent with our Privacy Policy.
All remarks, suggestions, ideas, graphics, or other information communicated by you to us
(collectively, “Submission”) is considered assigned to us and is as such considered our property.
We will not be required to treat any Submission as confidential, and will not be liable for any
ideas (including without limitation, product, service or advertising ideas) and will not incur any
liability as a result of any similarities that may appear in our future products, services or
operations.

Without limitation, we will have exclusive ownership of all present and future existing rights to
the Submission of every kind and nature everywhere. We will be entitled to use the Submission
for any commercial or other purpose whatsoever, without compensation to you or any other
person sending the Submission. You acknowledge that you are responsible for whatever material
you submit, and you, not us, have full responsibility for the message, including its legality,
reliability, appropriateness, originality, and copyright.

Privacy Policy
Our Privacy Policy is considered part of this Agreement. You must review this Privacy Policy by
clicking on this link.

Unlawful Activity
We reserve the right to investigate complaints or reported violations of this Agreement and to
take any action we deem appropriate, including but not limited to reporting any suspected
unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any
information necessary or appropriate to such persons or entities relating to your profile, email
addresses, usage history, posted materials, IP addresses and traffic information.

Linking to Our Website
You may provide links to our Website, provided (a) that you do not remove or obscure, by framing
or otherwise, any portion of our Website, (b) your website does not engage in illegal or
pornographic activities, and (c) you discontinue providing links to our Website immediately upon
request by us.

Links to Other Websites
Our Website may, from time to time, contain links to third party websites. Inclusion of links for
any website on our Website does not mean that we endorse, guarantee, warrant, or recommend
the services, information, content and/or data of such third party websites. [Our Company] has
no control over the legal documents and privacy practices of third party websites; as such, you
access any such third party websites at your own risk. We recommend that you review the privacy
policy and terms and conditions of those sites to fully understand what information is collected
and how it is used.

Payments
You represent and warrant that if you are purchasing something from us that (i) any credit
information you supply is true and complete, (ii) charges incurred by you will be honored by your
bank or credit card company, (iii) you will pay the charges incurred by you at the posted prices,
including any applicable taxes, and (iv) if your initial payment method is dishonored, you will still
pay the charges incurred, including any surcharge we may incur due to such dishonored payment.

Refund and Return Policy
To the extent that you purchase any goods directly from us, we may refund you your purchase
price within thirty (30) days of you notifying us in writing of your desire for the refund, together
with the reason for the request, subject to the return of the product to us in substantially the
same condition as when purchased. Any refund or return may be subject to restocking fees as
found on our Website.

Indemnification
You agree to indemnify, defend and hold us and our partners, agents, officers, directors,
employees, subcontractors, successors, assigns, third party suppliers of information and
documents, attorneys, advertisers, product and service providers, and affiliates harmless from
any liability, loss, claim and expense, including reasonable attorney’s fees, related to your
violation of this Agreement or use of our Website or Services.

Arbitration
Any legal controversy or legal claim arising out of or relating to this Agreement and/or our
Service, excluding legal action taken by us to collect or recover damages for, or obtain any
injunction relating to, website operations, intellectual property, and our Service, shall be settled
solely by binding arbitration in accordance with the commercial arbitration rules of the American
Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis,
and shall not be consolidated in any arbitration with any claim or controversy of any other party.
The arbitration shall be conducted in Bel Air, Maryland, and judgment on the arbitration award
may be entered into any court having jurisdiction thereof. Either you or us may seek any interim
or preliminary relief from a court of competent jurisdiction in Bel Air, Maryland necessary to
protect the rights or property of you and us pending the completion of arbitration. Each party
shall bear one-half of the arbitration fees and costs.

General Terms
This Agreement shall be treated as though it were executed and performed in Bel Air, Maryland,
and shall be governed by and construed in accordance with the laws of the State of Maryland
without regard to conflict of law principles. In addition, you agree to submit to the personal
jurisdiction and venue of such courts. Any cause of action by you with respect to our Website or
Service must be instituted within one (1) year after the cause of action arose or be forever waived
and barred. Should any part of this Agreement be held invalid or unenforceable, that portion
shall be construed consistent with applicable law and the remaining portions shall remain in full
force and effect. To the extent that any Content is in conflict or inconsistent with this Agreement,
this Agreement shall take precedence. Our failure to enforce any provision of this Agreement
shall not be deemed a waiver of such provision nor of the right to enforce such provision. Our
rights under this Agreement shall survive any termination of this Agreement.

Copyright © Orion Systems. This document, or any portion of, may not be copied or duplicated without
the written permission of Orion Systems. http://www.disclaimertemplate.com


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