Terms of Use

This web site is presented by John W. Kelley – Insurance Broker also DBA Kelley Insurance & Financial (KI&F). The use of KI&F hereafter refers to both John W. Kelley – Insurance Broker and Kelley Insurance & Financial. Except for authenticated secure areas where you will be prompted for login information in order to gain access, this site is for the use of our clients, individuals, businesses and the general public. You may use the information, materials, tools and services contained in this site only if you accept and agree to abide by the terms, conditions and undertakings, agreements, limitations and restrictions contained in these ‘terms of service’. In these terms of service, the site, the materials and services are sometimes collectively referred to as the ‘Site Resources’.

Your use of this site means that you have agreed to accept and abide by these ‘Terms of Use’. IF YOU DO NOT AGREE WITH, ACCEPT AND ARE WILLING TO ABIDE BY ALL THE SERVICE TERMS, DO NOT USE THIS SITE, THE MATERIALS OR THE SERVICES CONTAINED HEREIN.

Be sure to read these ‘Terms of Use’ completely and carefully, as these terms comprise your agreement with KI&F on use of the site, materials, references, tools, etc.

Do not terminate any in force insurance coverage or investment account, until you have consulted with us personally and you have received written confirmation that the new insurance coverage (or investment) applied for has been formally approved (according to the terms originally agreed on). KI&F makes no representation or warranties that insurance coverage applied for will be issued. Final approval and rates for insurance products are determined by normal underwriting guidelines and practices of the company applied to. Final rates for ‘Employee Benefit Plans’ are determined by the ‘actual enrollment’ and the rates in effect at the time that the enrollment is completed and submitted to the applicable company.

All plans and all companies, are not available in all States. Be sure to check with us regarding the availability of a company or product in your State.

Every effort has been made to provide you with correct, current and accurate information regarding insurance and investment products, rates, etc. However, products and rates are subject to change without notice by the company offering the product. Therefore, please check with us at the time you are ready to apply for coverage or make your investment, to be certain the quoted rates are still in effect.

Kelley Insurance & Financial does not give tax or legal advise, consult your own professional advisor.

Your Limited License to use Site Materials and Services Subject to the following terms and conditions, KI&F grants you the non-exclusive, nontransferable, limited right to access and use the site resources. KI&F authorizes you to view, use and download the materials in this site for only your use and/ or for the company you are affiliated with or whom you are employed. This authorization is not a transfer of title to the Materials or copies of the Materials and is subject to the following restrictions: 1) you must retain, on all copies of the Materials downloaded, all copyright and other proprietary notices contained in the Materials; 2) you may not modify the Materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose other than as specifically contemplated by this Site and the Service Terms; and 3) you must not transfer the Materials to any other person unless you give them notice of, and they agree to accept, the obligations arising under these Service Terms.

This Site, including all graphics and materials are copyrighted and protected by copyright laws (Copyright (© 2000-2001) and is the legal property of Kelley Insurance & Financial (KI&F), unless otherwise noted. By using the site, you agree to comply with all copyright laws in your use of this Site and to prevent any unauthorized copying of the Materials. Except as expressly provided herein, KI&F does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information.

Access You acknowledge and agree that you must: (a) provide your own access to the World Wide Web and pay any service fees associated with such access, and (b) provide all equipment necessary for you to connect to the World Wide Web, including a computer and modem.

Rules for Using the Site Resources In your use of the Site Resources, you will comply with, and abide by the following rules:

  • You will not post or transmit any unlawful, fraudulent, libelous, defamatory, obscene, pornographic, profane, threatening, abusive, hateful, offensive, or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any local, state, national or foreign law.
  • You will not post or transmit any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or schemes or other unsolicited commercial communication, or engage in spamming or flooding.
  • You will not submit, post, upload or otherwise transmit content that contains viruses, corrupted files or any other similar software or programs that may damage the operation of another’s computer, including without limitation, any virus, trojan horse, worm or other harmful component.
  • You will not post, publish, transmit, reproduce, distribute or in any way exploit any information, software or other material obtained through the Site Resources for commercial purposes, other than as expressly permitted, software or other material, and/or as contemplated by the Site Resources.

You will not upload, post, publish, transmit, reproduce, or distribute in any way, information, software or other material obtained through the Site Resources which is protected by copyright, or other proprietary right, or derivative works with respect thereto, without obtaining prior permission.

Changes to Site Resources KI&F may modify, suspend or discontinue any portion or part of, or any service, material, feature, function or functionality included in, the Site Resources at any time, without notice or liability to you.

Your Failure to Comply With These Service Terms KI&F may suspend or terminate your use of the Site and/or deny your access to, the Site Resources, without prior notice, if you engage in any conduct that KI&F believes, in its sole discretion: (a) violates any of the Service Terms, (b) violates the rights of KI&F or third parties, (c) or is otherwise inappropriate for continued access to, and use of, the Site Resources. You agree that, upon termination, KI&F may delete all information related to you and may deny you access to Site Resources.

Links from and to This Site As a convenience to you, this Site may include links to web sites operated by other entities (“Other Sites”). If you use these Other Sites, you will leave this Site. If you decide to visit a linked Other Site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. KI&F makes no warranty or representation regarding, and does not endorse, any linked Other Sites or the information appearing thereon or any of the products or services described thereon. Links with Other Sites do not mean that KI&F sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed on the Other Sites or accessible through the links, or that any linked Other Site is authorized to use any trademark, trade name, logo or copyright symbol of KI&F or any of its affiliates.

KI&F is not responsible for the content of any of the Other Sites to which this Site may by linked or for transactions between you and such Other Sites.
Termination You may discontinue using the Site and your use of the Site Resources at any time. However, the Service Terms will continue to apply to all past use of the Site Resources by you, even if you are no longer using the Site Resources.

Disclaimer The information contained in this web site is deemed to be current, correct and accurate. Every effort has been made to present correct information and data. However human error can occur and information is subject to change without notice within many of the topics discussed in this website. Therefore Kelley Insurance and Financial, it’s Principals and Owners, employees and successors shall be ‘released and ‘held harmless’ for any misinformation, omitted information, out dated information, or advise contained within this web site. Kelley Insurance & Financial does not give tax or legal advice, consult your own tax and legal professional for questions pertaining to these issues. Information contained in this web site is not a substitute for professional advise and council and should not be acted upon without first contacting our office.
By using the Site Resources, including any applets, software, and content contained therein, you agree that use of the Site Resources is entirely at your own risk. THE SITE RESOURCES ARE PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, SERVICES, UNINTERRUPTED ACCESS, OR PRODUCTS PROVIDED THROUGH OR IN CONNECTION WITH THE SITE RESOURCES.
KI&F DISCLAIMS ANY AND ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO: (1) ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS, OR CONTENT OF INFORMATION, PRODUCTS OR SERVICES (2) ANY WARRANTIES OF TITLE, WARRANTY OF NON-INFRINGEMENT, WARRANTIES OF MARKETABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

KI&F ALSO DISCLAIMS ANY WARRANTY, REPRESENTATION OR UNDERTAKING THAT THE SITE RESOURCES, OR CONTENT CONTAINED IN THE SITE RESOURCES, WILL BE ERROR FREE, OR THAT ANY INFORMATION, OR OTHER MATERIAL ACCESSIBLE THROUGH THE SITE RESOURCES IS OR WILL BE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER HARMFUL COMPONENTS.

THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, OR THEFT, DESTRUCTION, UNAUTHORIZED ACCESS TO, ALTERATION OR USE OF A RECORD, WHETHER THE CLAIM IS BASED ON BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE, OR OTHER CAUSE OF ACTION OR THEORY OF RECOVERY, HOWEVER DESCRIBED OR DENOMINATED.

THE SITE RESOURCES CONTAIN OPINIONS, STATEMENTS, RECOMMENDATIONS AND INFORMATION FROM THIRD-PARTY INDIVIDUALS AND ORGANIZATIONS. KI&F DOES NOT ENDORSE OR MAKE ANY REPRESENTATIONS AS TO THE ACCURACY, TIMELINESS, COMPLETENESS OR CREDIBILITY OF ANY OPINION, STATEMENT, RECOMMENDATION OR OTHER CONTENT CONTAINED IN, UPLOADED TO OR DISTRIBUTED THROUGH THE SITE RESOURCES BY OTHERS. YOU ACKNOWLEDGE THAT YOU WILL RELY ON ANY SUCH OPINIONS, STATEMENTS, RECOMMENDATIONS, INFORMATION AND CONTENT SOLELY AT YOUR OWN RISK.

CERTAIN JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SUCH THAT SOME OR ALL OF THE FOREGOING EXCLUSIONS MAY NOT APPLY TO YOU.

Limitation of Liability NEITHER KI&F NOR ANY OF ITS EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AFFILIATES, OR CONTENT OR SERVICE PROVIDERS SHALL BE LIABLE TO YOU OR OTHER THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM) THAT ARISE OUT OF USE OF THE SITE RESOURCES; INABILITY TO GAIN ACCESS TO OR USE THE SITE RESOURCES; RELIANCE ON ANY CONTENT INCLUDED ON THE SITE; ANY GOODS OR SERVICES ADVERTISED ON THE SITE; BREACH OF ANY WARRANTY; OR THAT ARE OTHERWISE RELATED TO THE USE OF, OR THE INABILITY TO USE, THE CONTENT, MATERIALS, AND FUNCTIONS OF THE SITE RESOURCES OR ANY LINKED WEBSITE, EVEN IF KI&F WAS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, THE RESECTIVE LIABILITY OF KI&F, ITS EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AFFILIATES, AND CONTENT OR SERVICE PROVIDERS SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY SUCH STATE LAW.

Indemnification You agree to indemnify, defend and hold harmless John W. Kelley – Insurance Broker and KI&F its affiliates, officers, directors, employees, consultants, agents, licenser’s and content or service providers from any and all third party claims, liability, damages and/or costs (including but not limited to reasonable attorneys’ fees) arising from your failure to comply with these Service Terms, your infringement or violation of any intellectual property or other right of a third party or from your violation of any applicable law.

Applicable Law These Terms of Service shall be governed by and construed in accordance with the laws of the State of Maryland, without giving effect to its conflict of laws rules.