Not all products or services described in the IMG Website are available in all states, countries, or other jurisdictions. Certain restrictions, conditions and eligibility requirements apply. The descriptions of products and services offered by IMG and contained in the IMG Website are not intended to be offers to sell, solicit or distribute any product or service in any state, country or other jurisdiction where such activity would be unauthorized or unlawful. The description of products and services contained in the IMG Website are offered as a convenience and do not contain all applicable terms, conditions, limitations or exclusions that may apply to the products or services described.
The IMG Website is not intended for distribution to, or use by, any person or entity in any country or jurisdiction where such distribution would be contrary to local law or regulation. If you choose to access or use materials in unauthorized locations, you do so at your own initiative and risk, and you are solely responsible for compliance with local laws.
MEDICAL AND PROVIDER RESOURCES
The IMG Website provides access to health-related resources and medical care providers and may provide general educational information on health-related issues. The IMG Website and its health-related resources and information are not intended to be a substitute for a medical exam or professional medical advice, diagnosis or treatment. If you have or suspect you have a medical or health condition, you should consult your physician or other qualified health care provider. Never disregard professional medical advice or delay in seeking treatment because of something you read on the IMG Website.
The IMG Website and its health-related resources and information are not intended to render, medical, nursing or professional health care advice or services, or to engage in the practice of medicine, nursing or professional healthcare in any jurisdiction. Only your physician or pharmacist can provide you with advice on what is safe and effective for you. Medical professionals employed by IMG or its subsidiaries will not answer your medical questions, monitor your care or establish a physician-patient relationship with you.
DISCLAIMER OF WARRANTIES
THE IMG WEBSITE IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. IMG DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE IMG WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. IMG DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS IN THE IMG WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE.
LIMITATION OF LIABILITY
Under no circumstances and in no event shall IMG be liable for any damages whatsoever (including without limitation, indirect, special, incidental and consequential damages or lost profits) which may result from the use of or the inability to use the IMG Website or any delays, errors, malfunctions, compatibility problems or breakdowns with respect to the IMG Website. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, IMG’s liability is limited to the greatest extent permitted by law.
PROPRIETARY RIGHTS AND USE OF MATERIALS
The IMG Website is owned and operated by IMG. The contents of the IMG Website include both registered and unregistered trademarks, service marks, logos and designs which are the property of IMG, and are subject to and protected by the copyright, trademark and intellectual property laws of the United States and other countries worldwide. You are not authorized to reproduce, display, sell, publish, republish, post, transmit, distribute or modify the contents of this website or otherwise use such materials contained in the IMG Website for any public or commercial purpose without the prior written consent of IMG. The use on this site by any person of any data mining, data scraping, robot or similar process, device, software or similar or related technology is strictly prohibited. Material from the IMG Website may be copied or downloaded solely for your own non-commercial individual reference. You must keep all copyright and other proprietary statements on any copies you make. The modification or use of the materials from the IMG Website for any commercial purpose is strictly prohibited and is a violation of trademark, copyright and other proprietary rights of IMG and its subsidiaries. Please be advised that IMG actively and aggressively enforces its intellectual property rights to the fullest extent of the law.
DISCLAIMER OF PRICE AND COVERAGE ESTIMATES
This not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information in this tool does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the “Insurance Contract”). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.
FEEDBACK TO THE IMG WEBSITE
We welcome your comments and suggestions regarding the IMG Website and the products and services offered by IMG. However, when you send IMG suggestions, ideas, notes, drawings, concepts or other information (collectively, “Content”), it shall be deemed and remain deemed, the property of IMG. You automatically grant IMG the royalty-free, perpetual, irrevocable and non-exclusive right and license to use, reproduce, modify, adapt, publish, transmit, perform and display such Content (in whole or in part) worldwide and to incorporate such Content into other materials in any form, media or technology (now known or later developed) for the full term allowable under copyright or patent laws of the United States. None of the Content shall be subject to any obligation of confidentiality on the part of IMG, and IMG shall not be liable or owe any compensation for any such use or disclosure, subject only to applicable copyright or patent laws of the United States.
REQUIREMENT OF WRITTEN AGREEMENT
The insurance products available though IMG are underwritten and offered where available by Sirius International Insurance Corporation (publ). The purchase or sale of insurance is governed by written policies or certificates. The terms of the policies or certificates are binding on the parties. No other representation, whether made in person, online, electronically (including, but not limited to, representations on the IMG Website), in writing, or by graphic or verbal communication may alter the terms of those policies or certificates. The financial obligations of policies or certificates are the sole responsibility of the underwriting company, and IMG is not legally responsible for such obligations.
TERMINATION AND BLOCKING
IMG may terminate, block or limit your use or access of the IMG Website for any reason at any time without prior notice to you.