License to use website
Except where otherwise indicated, all materials contained in this website are the copyrighted property of VERN FONK INSURANCE SERVICES, INC. (herein after “Vern Fonk”), its affiliated companies and/or third-party licensors. The Vern Fonk logo, all other service marks, and the names of various products and services described within are service marks of Vern Fonk or its affiliates.
Except as expressly provided herein, you shall not use any portion of this website, or any other intellectual property of Vern Fonk (including, but not limited to Vern Fonk service marks), on any other website, in the source code of any other website, 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 website’s content or frame this website within any other website 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 Vern Fonk, is prohibited.
You must not: Republish material from this website (including republication on another website); Sell, rent or sub-license material from the website; Show any material from the website in public; Reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose; Edit or otherwise modify any material on the website; or Redistribute material from this.
You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.
You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without Vern Fonk’s express written consent.
You must not use this website to transmit or send unsolicited commercial communications. You must not use this website for any purposes related to marketing without Vern Fonk’s express written consent.
Access to certain areas of this website is restricted. Vern Fonk reserves the right to restrict access to certain areas of this website, or indeed this entire website, at Vern Fonk’s discretion.
If Vern Fonk provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential. In this event, Vern Fonk may disable your user ID and password in Vern Fonk’s sole discretion without notice or explanation.
You grant to Vern Fonk a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to Vern Fonk the right to sub-license these rights, and the right to bring an action for infringement of these rights.
Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or Vern Fonk or a third party (in each case under any applicable law).
You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.
Vern Fonk reserves the right to edit or remove any material submitted to this website, or stored on Vern Fonk’s servers, or hosted or published upon this website.
This website is provided “as is” without any representations or warranties, express or implied. Vern Fonk makes no representations or warranties in relation to this website or the information and materials provided on this website.
Without prejudice to the generality of the foregoing paragraph, Vern Fonk does not warrant that: this website will be constantly available, or available at all; the information on this website is complete, true, accurate or non-misleading; or the products and services advertised on this website are available at all times.
Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.
Vern Fonk Insurance Services, Inc.
By using this website you understand that Vern Fonk Insurance Services, Inc. is a licensed insurance agency licensed in California and other states. All products and services advertised or referenced in this website are subject to availability from insurance carriers not related to Vern Fonk, and rules and regulations of the different states where Vern Fonk is licensed.
Limitations of liability
Vern Fonk will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website for any indirect, special or consequential loss; or for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data. These limitations of liability apply even if Vern Fonk has been expressly advised of the potential loss.
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. To the fullest extent permitted by law, Vern Fonk 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. Vern Fonk does 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 from Vern Fonk are free of viruses or other harmful components.
Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit Vern Fonk’s liability in respect of any: death or personal injury caused by Vern Fonk’s negligence; fraud or fraudulent misrepresentation on the part of Vern Fonk or matter which it would be illegal or unlawful for Vern Fonk to exclude or limit, or to attempt or purport to exclude or limit, its liability.
By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable If you do not think they are reasonable, you must not use this website
If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.
You hereby indemnify Vern Fonk and undertake to keep Vern Fonk indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by Vern Fonk to a third party in settlement of a claim or dispute on the advice of Vern Fonk’s legal advisers) incurred or suffered by Vern Fonk arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.
Breaches of these terms and conditions
Without prejudice to Vern Fonk’s other rights under these terms and conditions, if you breach these terms and conditions in any way, Vern Fonk may take such action as Vern Fonk deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.
This website contains links to other Internet website (“Third-party Sites”) that are not maintained by Vern Fonk. These links are provided solely for your convenience. Vern Fonk makes 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.
Submitted ideas policy
When you submit ideas or materials to Vern Fonk (“Submissions”), such as for marketing, advertising, promotions, contests, products, services, devices, processes, trademarks, logos, artwork, music, photos, or videos, you grant to Vern Fonk a perpetual, irrevocable, world-wide, royalty-free right and license to use, modify, publish, disclose, or exploit the Submission at Vern Fonk’s discretion.
Vern Fonk may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.
Vern Fonk may transfer, sub-contract or otherwise deal with Vern Fonk’s rights and/or obligations under these terms and conditions without notifying you or obtaining your consent. You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.
If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
Entire agreement / enforceability
These terms and conditions constitute the entire agreement between you and Vern Fonk in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.
Law and jurisdiction
Use of this website 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 Los Angeles, California.