Please read these Terms & Conditions (“Terms”) before using this website. Your access or use this website signifies your acceptance of the Terms, which may be modified from time to time.  Your continued use of this website will constitute your acceptance of the Terms, as modified. If you do not wish to accept the Terms, you must not use the website. Any additional terms or conditions proposed by you are expressly rejected and shall be of no force or effect.

Suracy and/or Suracy Faith is Suracy Insurance Agency, Inc. (“Suracy”), a licensed insurance producer (CA Lic. No. 0L47868). Suracy generally acts as an insurance producer, but it may also act as an insurance intermediary in the limited instances/markets where it uses the services of another insurance intermediary, wholesaler or similar entity.

Placement of Coverage / Compensation

Individual coverage may vary and may not be available in all states. In the event of a conflict with the material herein, the terms and conditions of any issued policy will control. Claim examples are general, may or may not be based on actual claims, and are for illustrative purposes only. Any available coverage for a claim will be determined based on the facts and circumstances of the claim as well as the terms and conditions of the policy, including any applicable exclusions or deductibles.

Suracy typically seeks to place coverage first with an insurer for which it is an agent and goes to the wholesale market as an insurance intermediary when coverage cannot be reasonably obtained through a company it represents. For these transactions, Suracy generally receives compensation in the following manners:

• Standard/Base Commission: Suracy normally receives a standard or base commission for the sale and service of policies. This is a fixed percentage of the policy premium or a fixed amount per policy, generally set prior to the effective date of the policy to which it applies. The percentage or amount may vary depending on certain factors, such as the type of product, the risk classification, whether the policy is new or a renewal, and the services provided to the policyholder.

• Contingent Commission: Some insurers also have annual contingent commission plans. These annual contingent commissions are based on the performance of the total business Suracy places with insurers offering such commissions during the prior year. These contingent commissions are typically based on Suracy’s volume of business with the insurer and the loss experience (profitability) the insurer has on that business.

• Other Income: In instances where clients pay Suracy for insurance policies (instead of by directly to the insurer), Suracy may receive interest accruing on amounts held for payment to insurers. In addition, the agency may also charge interest on past-due amounts owed by agency-bill clients. Insurers may have incentive-based contests, programs, or other compensation where they reward agencies for achieving sales objectives. These rewards may include invitations to company sales conventions or other incentive trips. Insurers may also provide agencies with other benefits such as entertainment, tickets to sporting events, travel, gifts, branded merchandise, and attendance at corporate-sponsored meetings, including transportation, accommodations, and meals. Some insurance companies also provide may also provide Suracy with modest sales support services, including marketing materials, etc.

Content

This material is for informational purposes only and is not legal or business advice. Neither Suracy nor its subsidiary or affiliated companies represents or warrants that the information contained herein is appropriate or suitable for any specific business or legal purpose. Suracy makes no representations about the suitability of the content of this website for any purpose. All content is provided “as is” without any warranty of any kind.  Readers seeking resolution of specific questions should consult their business and/or legal advisors.  At any time, Suracy may make changes in the products and/or services described herein, however, Suracy makes no commitment to update the information and expressly disclaims liability for errors or omissions in it.

Waiver of Warranty & Limitation of Liability

SURACY HAS NOT MADE AND DOES NOT MAKE ANY WARRANTY OF ANY KIND WHATEVER, EXPRESS OR IMPLIED, WITH RESPECT TO THE CONTENTS OF THIS WEBSITE; AND ALL IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE ARE HEREBY DISCLAIMED BY SURACY. SURACY DOES NOT WARRANT THAT THE WEBSITE IS COMPATIBLE WITH YOUR EQUIPMENT OR IS FREE OF ERRORS OR VIRUSES, WORMS OR “TROJAN HORSES” AND IS NOT LIABLE FOR ANY DAMAGE YOU MAY SUFFER AS A RESULT OF SUCH DESTRUCTIVE FEATURES. SURACY WILL NOT BE LIABLE TO ANYONE WITH RESPECT TO ANY DAMAGES, LOSS OR CLAIM IN CONNECTION WITH ACCESS TO OR USE OF THE CONTENTS OF THIS WEBSITE. IN NO EVENT SHALL SURACY BE LIABLE FOR ANY SPECIAL, INDIRECT, EXEMPLARY OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO LOSS OF USE, DATA OR PROFITS, WITHOUT REGARD TO THE FORM OF ACTION.

Links to Other Sites

Some of the sites listed as links herein are not under the control of Suracy. Accordingly, Suracy makes no representations concerning the content, information, software or products of those sites and does not warrant, endorse, guarantee, or sponsor such sites or their content, information, software or products.

Trademark

Any trademarks, service marks, trade names, and logos (“Marks”) associated with this website are owned by Suracy or third parties who have authorized their use.  Use of this website does not grant any license or right to use any Mark displayed on the website without the written permission of the owner.

Proprietary Rights

Unless otherwise expressly stated, the content on this website is owned by Suracy. Except as expressly stated herein or permitted by law, the content may not be copied, transmitted, displayed, distributed, licensed, altered, framed, stored, or otherwise used in any manner without the prior written consent of Suracy. You acquire no rights or licenses in or to the content in the website.  All present and future rights in the website and its content are reserved to Suracy.

Client Data, Collection and Use

Suracy gathers data containing information about its clients and their services. This information may also be accessed by Suracy operating or affiliated companies for other permissible purposes.  Suracy may use or disclose information about its clients, if required to do so by law, pursuant to legal process, in response to a request from law enforcement authorities or other government officials, or as permitted by its privacy policy.

By submitting my information, I expressly consent to receive e-mails, phone calls (including via an automatic dialing system), text messages and/or artificial or pre-recorded voice messages by or on behalf of Suracy regarding insurance products and related services (and, if I buy a product or service, to call about my product, service, customer satisfaction, buying a new product or service after mine expires, or other Suracy offers) at the e-mail address and phone number provided above (including my wireless number, if provided). I understand I am not required to agree to this as a condition to purchase.

Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of Ohio, without giving effect to conflicts-of-law principles thereof. You agree to submit to the personal jurisdiction of the state and federal courts located in Cuyahoga County in the State of Ohio with respect to any legal proceedings arising out of these Terms and waive any objection to the propriety or convenience of venue in such courts. If any provision of the Terms is found by a court of competent jurisdiction to be invalid or unenforceable, such provision shall be enforced to the maximum extent permissible and the other provisions of the Terms shall remain in full force and effect.