Liability Disclaimer
The information, software, products, and services published on this web site may include inaccuracies or typographical errors. Changes are periodically added to the information herein. Skier Insurance Services (SIS) and/or its suppliers may make improvements and/or changes in this web site at any time. SIS and/or its suppliers make no representations about the suitability of the information, software, products, and services contained on this web site for any purpose. All such information, software, products, and services are provided "as is" without warranty of any kind. SIS and/or its suppliers hereby disclaim all warranties and conditions with regard to this information, software, products, and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title and non-infringement. In no event shall SIS and/or its suppliers be liable for any direct, indirect, punitive, incidental, special or consequential damages arising out of or in any way connected with the use of this web site or with the delay or inability to use this web site, or for any information, software, products, and services obtained through this web site, or otherwise arising out of the use of this web site, whether based on contract, tort, strict liability or otherwise, even if SIS and/or any of its suppliers has been advised of the possibility of damages. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.

Jurisdictional Issues
Unless otherwise expressly set forth herein, SIS makes no representation that materials on this web site are appropriate or available for use in any location. Those who choose to access this web site do so on their own initiative and are responsible for compliance with local laws.

The information contained on this web site is not an offer to sell or a solicitation to buy any insurance product. No insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

Links To Third Party Web Sites 
This Web site may contain links and pointers to Internet web sites maintained by third parties. SIS does not operate or control in any respect any information, products or services on such third-party sites. Third party links and pointers are included solely for the convenience of users, and do not constitute any endorsement by SIS and/or its suppliers. User assumes sole responsibility for use of third party links and pointers.  We may partner with one or more subcontractors to provide insurance services to you.

Software Available On This Web Site
Please note that all software, including without limitation all HTML code, JAVA code and Active X controls contained in this Web site, is owned by SIS and/or its suppliers and is protected by copyright laws and international treaty provisions. Any reproduction or redistribution of the software is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. 

Use Of Information 
The name, address and payment information (if applicable) that the User provides via this web site, together with information regarding the manner in which the User uses this web site, will not be processed or disclosed by SIS except as permitted by these terms and conditions. By being a user of this web site, the User agrees that SIS may share with other parties both aggregate information, individual information, and locator data gathered by SIS in the course of the User's continuing individual use of this web site. "Aggregate information" is information that describes the habits, usage patterns and/or demographics of users as a group but does not describe or reveal the identity of any particular user. "Individual information" is information about a user that is presented in a form distinguishable from information relating to other users but not in a form that personally identifies any user or enables the recipient to communicate directly with any user. "Locator information" consists of a user's name, e-mail address, physical address and/or other data about the user that enables the recipient to personally identify the user. Any user who does not wish to receive any special offers or communications from SIS on behalf of suppliers, or directly from SIS or its affiliates, may so notify SIS. (Note that a user's election not to receive such information will not affect the user's receipt of offers and communications that were processed prior to the users' election.) Individual information will be processed and stored by SIS in the United States and, if the user does not live in the United States, possibly in the country of residence. Users may contact SIS to determine whether such information has been accurately recorded and, if not, to request correction of any inaccuracies in the information recorded by SIS.

Any communications you send to this Internet site or otherwise to SIS by electronic mail are on a non-confidential basis, and SIS is under no obligation to refrain from reproducing, publishing or otherwise using them in any way for any purpose. SIS shall be free to use the content of such electronic mail communications, including any ideas, inventions, concepts, techniques or know-how disclosed therein, for any purpose, including the developing, manufacturing and/or marketing of goods or services. 

Indemnity 
As a condition of use of this Web site, the User agrees to indemnify SIS and its suppliers from and against any and all liabilities, expenses (including attorney's fees) and damages arising out of claims resulting from User's use of this Web site, including without limitation any claims alleging facts that if true would constitute a breach by User of these terms and conditions. 

Service 
Contact info@skierinsurance.com with questions or problems with this web site. 

Modification of Terms and Conditions 
SIS reserves the right to change this Agreement at any time by revising the terms and conditions herein. User is responsible for regularly reviewing these terms and conditions. Continued use of this web site following any such changes shall constitute the User's acceptance of such changes. 

General 
SIS reserves the right to make any and all changes to this web site at its sole discretion without notice to the User. SIS reserves the right to deny access to this web site to anyone at anytime. This Agreement shall be deemed to include all other notices, policies, disclaimers, and other terms contained in this web site; provided, however, that in the event of a conflict between such other terms and the terms of this Agreement, the terms of this Agreement shall prevail. This Agreement is governed by the laws of the state of Montana, U.S.A. User consents to the exclusive jurisdiction and venue of courts in Kalispell, Montana, U.S.A. in all disputes arising out of or relating to the use of this web site. Use of this web site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. 

Copyright And Trademark Notices
All contents of this Web site are: Copyright © 2003 Skier Insurance ServicesT and/or its suppliers, 1855 Smith Lake Road, Kalispell, Montana 59901 U.S.A. All rights are reserved.  This web site is for the User's personal, noncommercial use. User may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software or services obtained from this web site. Skier Insurance ServicesT (SIS) is a registered trade mark of Tourist Insurance Services, Inc., d/b/a Skier Insurance ServicesT. Other product and company names mentioned herein may be the trademarks of their respective owners. 

You take online privacy seriously, and so does Skier Insurance Services. It's our way of sustaining your trust in Skier Insurance Services.

Any rights not expressly granted herein are reserved. 

© 2003 Skier Insurance ServicesT

Edition: April 1, 2003