Your use of this site is expressly conditioned on your acceptance of these Terms of Use. If you do not agree with any part of the Terms of Use, you must not use this site.

We reserve the right to modify the Terms of Use at any time. Continued use of this site by you will constitute your acceptance of any revisions to the Terms of Use. Please check this page regularly.

• Copyright / Trademark
• Third-Party Sites
• Privacy & Security
• Password Registration
• Geographic Location Identification
• Disclaimer of Warranty
• Limitation of Liability
• Jurisdiction / Enforceability
• Underwriting Companies

Copyright / Trademark

Except where otherwise indicated, all materials contained in this Web site are the copyrighted property of O’Kane and Tegay Insurance Brokers, it’s affiliated companies and/or third party licensors. The O’Kane and Tegay Insurance Brokers logo, all other service marks, and the names of various products and services described within are service marks of O’Kane and Tegay Insurance Brokers or its affiliates.

Permission is hereby granted to use, copy and distribute these materials as presented in this Web site and without alteration for non-commercial purposes only; provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.

Except as expressly provided herein, you shall not use any portion of this Web site, or any other intellectual property of O’Kane and Tegay Insurance Brokers or its affiliates (including, but not limited to O’Kane and Tegay service marks), on any other Web site, in the source code of any other Web site, or in any other printed or electronic materials. Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this Web site’s content or frame this Web site within any other Web site without our prior written permission. Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from O’Kane and Tegay Insurance Brokers, is prohibited.

Third-Party Sites

This site contains links to other Internet Web sites (“Third-party Sites”) that are not maintained by us. These links are provided solely for your convenience. We make no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third-party Sites. We recommend that you take the time to read the privacy policies and user agreements of these sites.

Privacy & Security

Please review our Privacy & Security Policy, which also governs your visit to this Web site.

Password Registration

Access to our online service site is restricted and requires a user identification code (“User ID”) and a password for access. Unauthorized use or access of the online service sites is strictly prohibited.

In accessing the online service sites, you agree that:

• We are entitled to act on instructions received under your User ID and password.
• We are not liable for any unauthorized access to your personal information that is not the direct result of gross negligence or intentional misconduct on our part.
• You will keep your password confidential and you will notify us immediately if you believe someone else has obtained your User ID and password or any unauthorized access to the online service site has occurred or may occur.
• We may block access to the online service site without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons.

Geographic Location Identification

When you visit our Web site, you may see messages tailored to your specific state or city. We are able to identify your general geographic location using a system that recognizes and pinpoints the location of publicly routed IP addresses — the unique numbers computers use to communicate with other devices on computer networks. Though we can identify your geographic location, we do not receive your personal information. We identify your location only to provide a more tailored experience for you.

Disclaimer of Warranty

The content and materials in this site are provided “as is” and without representations or warranties of any kind, either express or implied. O’Kane and Tegay Insurance Brokers and its affiliates expressly disclaims all warranties, express or implied, with respect to this site including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant or represent that the functions or operation of this site will be uninterrupted or error-free, that defects will be corrected, or that this site, its servers or any e-mail sent by us are free of viruses or other harmful components. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.

Limitation of Liability

Neither O’Kane and Tegay Insurance Brokers nor its affiliates shall be liable for any injury, loss, claim, or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, which arises out of (a) the use of, or inability to use, this site or content found in this site, or (b) unless resulting from the gross negligence or intentional actions of O’Kane and Tegay Insurance Brokers, the unauthorized access to or alteration of your transmissions or data, even if O’Kane and Tegay Insurance Brokers has been advised of the possibility of such damages. Some states do not allow the exclusion of liability for certain damages, so the foregoing exclusions or limitations may not apply to you.

Jurisdiction / Enforceability

Use of this site shall be governed by and construed in accordance with the laws of the State of California without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in San Francisco, CA.

Should any provision of these Terms of Use be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.