Acceptance of our Terms
By visiting the website www.nipgroup.com (the “Website”), viewing, accessing or otherwise using any of the services or information created, collected, compiled or submitted to NIP Group or to the Website, you agree to be bound by the following Terms and Conditions of Service. If you do not want to be bound by our Terms, your only option is not to visit, view or otherwise use the services of NIP Group or the Website. You understand, agree and acknowledge that these Terms constitute a legally binding agreement between you and NIP Group and that your use of the Website shall indicate your conclusive acceptance of this agreement. You also acknowledge that information on this Website is provided for general informational purposes only and does not constitute an offer of insurance, a binder, a quote, or any guarantee of coverage.
Provision of Services
You agree and acknowledge that NIP Group is entitled to modify, improve or discontinue any of its services at its sole discretion and without notice to you. Furthermore, you agree and acknowledge that NIP Group is entitled to provide services to you through subsidiaries or affiliated entities. NIP Group does not guarantee uninterrupted access to the Website, and access may be suspended, restricted, or terminated at any time for business, regulatory, operational, or security reasons.
Proprietary Rights
You acknowledge and agree that the Website may contain proprietary and confidential information including trademarks and service marks protected by intellectual property laws. NIP Group authorizes you to view and make a single copy of portions of its content for offline, personal, non-commercial use. Our content may not be sold, reproduced, or distributed without our written permission. Any third-party trademarks, service marks and logos are the property of their respective owners. Any further rights not specifically granted herein are expressly reserved. Any references to financial strength ratings (e.g., AM Best) relate solely to the issuing insurance carrier. Nothing on the Website modifies, amends, or expands any insurance policy issued by any carrier. 12
Submitted Content
When you submit content to the Website you simultaneously grant NIP Group an irrevocable, worldwide, royalty free license to publish, display, modify, distribute and syndicate your content worldwide. By submitting content, you represent that you have the legal right to do so and that such content does not infringe the rights of any third party or violate any laws or regulations.
Termination of Agreement
The Terms of this agreement remain in effect unless and until modified or terminated by NIP Group. Provisions that by their nature should survive termination (including indemnification, limitations of liability, intellectual property protections, and dispute resolution) shall survive.
Disclaimer of Warranties
You understand and agree that your use of the Website is entirely at your own risk and that our services are provided “As Is” and “As Available.” NIP Group, whether through the Website or otherwise, does not make any express or implied warranties, endorsements or representations whatsoever as to the operation of the Website, nor as to any information, content, materials, or products contained therein. This shall include, but not be limited to, implied warranties of merchantability and fitness for a particular purpose, and warranties that access to or use of the service will be uninterrupted or error-free or that defects in the service will be corrected. Nothing on this Website constitutes professional, legal, financial, or insurance advice, nor should it be relied upon as such.
Limitation of Liability
You understand and agree that NIP Group and any of its subsidiaries or affiliates shall in no event be liable for any direct, indirect, incidental, consequential, or exemplary damages. This shall include, but not be limited to damages for loss of profits, business interruption, business reputation or goodwill, loss of programs or information or other intangible loss arising out of the use of or the inability to use the service, or any permanent or temporary cessation of such service or access to information, or the deletion or corruption of any content or information, or the failure to store any content or information. The above limitation shall apply whether or not NIP Group has been advised of or should have been aware of the possibility of such damages. In jurisdictions where the exclusion or limitation of liability for consequential or incidental damages is not allowed, the liability of NIP Group is limited to the greatest extent permitted by law.
External Content
The Website may include hyperlinks to third-party content, advertising or websites. You acknowledge and agree that NIP Group is not responsible for and does not endorse any advertising, products or resources available from such resources or websites. Access to third-party sites is at your own risk, and NIP has no responsibility for their content, accuracy, or data-handling practices. 13
Jurisdiction
You expressly understand and agree to submit to the personal and exclusive jurisdiction of the courts of the state in which NIP Group maintains its principal place of business to resolve any legal matter arising from this agreement or related to your use of the Website. If the court of law having jurisdiction rules that any provision of the agreement is invalid, then that provision will be removed from the Terms, and the remaining Terms will continue to be valid.
Entire Agreement
You understand and agree that the above Terms constitute the entire general agreement between you and NIP Group. Additional terms may apply to specific products, services, forms, or insurance transactions, and such terms will control in the event of a conflict.
Changes to the Terms
NIP Group reserves the right to modify these Terms from time to time at our sole discretion and without any notice. Changes to our Terms become effective on the date they are posted and your continued use of the Website after any changes to Terms will signify your agreement to be bound by them.
