TERMS AND CONDITIONS

Please read these terms of use ("Agreement") before accessing or using this internet website ("Site"). When you access or use the Site, you are agreeing to be bound by this Agreement and its liability disclaimers contained below. If you do not agree to the terms contained herein, do not use this Site or download any information from it. Materials on this Site may be accessed, downloaded and printed for personal and non-commercial use only. By using this Site, you agree not to use any materials or information found on this Site for any purpose that is unlawful or prohibited by this Agreement, including, but not limited to, the use of this Site from outside of the United States of America or if under 18 years of age. Your permission to use this Site is automatically terminated if you violate any of the terms contained in this Agreement.

COPYRIGHT AND TRADEMARK RIGHTS

The contents of this Site are owned and copyrighted by KCraft Insurance Agency and are protected by the laws of the United States, its treaty countries and other jurisdictions. All rights are reserved and no reproduction, distribution, or transmission of the copyrighted materials at this Site is permitted without the written permission of KCraft Insurance Agency. All trademarks, logos and service marks are the property of KCraft Insurance Agency.

CONSENT

You hereby understand and agree that by using this Site, you automatically and without any further action have established a business relationship between you and KCraft Insurance Agency. As a result, you agree to allow KCraft Insurance Agency to contact you about its business via telephone, e-mail and /or standard mail using the contact information you have provided. You hereby consent to such contact even if your phone number is on any Do Not Call list.

LIABILITY DISCLAIMER

Your use of the materials is at your own risk. KCRAFT INSURANCE AGENCY STRIVES TO ENSURE THE INFORMATION ON IT’S SITE IS ACCURATE, BUT INACCURACIES OR ERRORS AND OMMISSIONS CAN OCCUR. YOUR USE THIS SITE IS AT YOUR OWN RISK. KCRAFT INSURANCE AGENCY RESERVES THE RIGHT TO CHANGE AND/OR MODIFY THE SITE’S CONTENT AT ANY TIME WITH OR WITHOUT NOTICE. YOUR CONTINUED USE OF THE SITE CONSTITUTES YOUR ACCEPTANCE OF SUCH MODIFIED TERMS. THIS SITE AND ALL OF THE INFORMATION CONTAINED THEREIN ARE PROVIDED TO THE USER "AS IS". KCRAFT INSURANCE AGENCY DISCLAIMS ANY LIABILITY, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO, USE OF OR RELIANCE ON THE MATERIALS (EVEN IF KCRAFT INSURANCE AGENCY OR A KCRAFT INSURANCE REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) OR THAT ARISE IN CONNECTION WITH MISTAKES OR OMISSIONS IN, OR DELAYS IN TRANSMISSION OF, INFORMATION TO OR FROM THE USER, INTERRUPTIONS IN TELECOMMUNICATIONS CONNECTIONS TO THIS SITE OR VIRUSES THAT MAY INFECT YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF, OR UNAUTHORIZED ACCESS TO THIS SITE OR THE MATERIALS. KCRAFT INSURANCE AGENCY ALSO DISCLAIMS ANY AND ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANYTHING WHATSOEVER RELATING TO THIS SITE AND ANY INFORMATION PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. KCRAFT INSURANCE AGENCY IS NOT LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES CAUSED BY THE USE OF THIS SITE AND/OR THE CONTENT LOCATED THEREON, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER CAUSE OF ACTION. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

INDEMNIFICATION/LEGAL RELIEF

You also agree to indemnify and hold KCraft Insurance Agency harmless from and against any and all loss, cost, damage, or expense including, but not limited to, reasonable attorneys' fees incurred by KCraft Insurance Agency arising out of any possible action at law or other proceeding necessary to enforce any of the terms, covenants or conditions of the Agreement or due to your breach of this Agreement.

GOVERNING LAW AND VENUE

This Agreement shall be governed by the laws of the State of Colorado USA. You hereby consent and voluntarily submit to personal jurisdiction in the State of Colorado, in and by the courts of the State of Colorado in Denver County and the United States District Court, in any action in which a claim is brought with respect to this Agreement and you agree that it may be served with process in any such action by hand delivery, courier, overnight delivery service, or certified or registered mail, return receipt requested. You irrevocably and unconditionally waive and agree not to plead, to the fullest extent permitted by law, any objection that it may now or hereafter have to the laying of venue or the convenience of the forum of any action or claim with respect to this Agreement brought in the United States District Court for the State of Colorado or the courts of Denver County.

MISCELLANEOUS

This Agreement encompasses the entire agreement between all parties and may not be amended, modified, altered or changed in any respect whatsoever except by a writing duly executed by the parties hereto. This Agreement supersedes any and all prior and contemporaneous oral or written agreements or understandings between you and KCraft Insurance Agency. No representation, promise, inducement or statement of intention has been made by you and KCraft Insurance Agency that is not embodied in this Agreement. You and KCraft Insurance Agency shall not be bound by or liable for any alleged representation, promise, inducement, or statement of intention not contained in this Agreement. A printed version of this Agreement shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You agree that each provision to this Agreement shall be construed independent of any other provision of this Agreement. The invalidity or unenforceability of any particular provision of this Agreement shall not affect the other provisions hereof. In the event any provision of this Agreement is deemed unenforceable, including, but not limited to, the liability disclaimers above, the unenforceable provision shall be replaced with an enforceable provision that most closely reflects the intent of the original provision.

© 2020 by KCraft Insurance, LLC