NYS Disability Insurance in the Hudson Valley
877-EZDBL-80



877-393-2580  
 
   NY State Disability Benefits Law (DBL) Insurance  
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Terms of Use Agreement

This web site is a value added information service provided by the insurance professionals at EZDBL and Ryan and Ryan Insurance Brokers, Inc.
hereafter known as the “Site” and "the agency."

By using this web site, you agree to be bound by this Terms of Use Agreement. This Terms of Use Agreement, all intellectual property issues, and your
rights and obligations shall be governed by the laws of the United States of America and the State of New York governing contracts wholly entered into
and wholly performed within State of New York.

The agency may change this Terms of Use Agreement at any time. When the terms are changed, the changes will appear in this document. By using the
web site after any change in the Terms of Use Agreement is posted, you agree to be bound by all of the changes as well. You should consult this page
each time you access the web site.

This Terms of Use Agreement is personal to you, and you may not assign your rights or obligations to anyone. If any provision of this Agreement is invalid
under applicable law, the remaining provisions will continue in full force and effect.

The agency may discontinue or change the website or its availability to you, at any time without notice.

Copyright and Limitations on Use

The information available through this web site is the property of the agency or its licensors and is protected by copyright and other intellectual property
laws. Information received through the web site may be displayed, reformatted and printed for your personal, non-commercial use only. You agree not to
reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate the information received through the web site to anyone, including but
not limited to others in the same company or organization, without the express prior written consent of the agency. The web site includes facts, views,
opinions and recommendations of individuals and organizations deemed of interest. The agency does not guarantee the accuracy, completeness or
timeliness of, or otherwise endorse these views, opinions or recommendations.

Disclaimer of Warranties and Liability

Due to the number of sources from which information on this web site may be obtained, and the inherent hazards of electronic distribution, there may be
delays, omissions or inaccuracies in such information and the web site.

The web site may contain generic descriptions of coverage provided by various insurance policies. Any description of coverage on this web site is not a
guarantee of the coverage provided on your policy purchased through this agency, or any other insurance policy you may currently own or purchase in
the future. To verify coverage provided on your specific policy or a policy you are contemplating purchasing, you should contact the agency directly or the
insurance carrier that issued, or will potentially issue the policy.

THE AGENCY AND ITS AFFILIATES, AGENTS AND LICENSORS CANNOT AND DO NOT WARRANT THE ACCURACY, COMPLETENESS,
CURRENTNESS, NONINFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE NEWS AND INFORMATION
AVAILABLE THROUGH THE WEB SITE, OR THE WEB SITE ITSELF. NEITHER THE AGENCY NOR ANY OF ITS AFFILIATES, AGENTS OR
LICENSORS SHALL BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR INJURY CAUSED IN WHOLE OR PART BY ITS NEGLIGENCE OR
CONTINGENCIES BEYOND ITS CONTROL IN PROCURING, COMPILING, INTERPRETING, REPORTING OR DELIVERING THE WEB SITE AND
ANY NEWS AND INFORMATION THROUGH THE WEB SITE. IN NO EVENT WILL THE AGENCY, ITS AFFILIATES, AGENTS OR LICENSORS BE
LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON SUCH INFORMATION OR FOR
ANY CONSEQUENTIAL, SPECIAL OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU AGREE THAT
THE LIABILITY OF THE AGENCY, ITS AFFILIATES, AGENTS AND LICENSORS, IF ANY, ARISING OUT OF ANY KIND OF LEGAL CLAIM (WHETHER
IN CONTRACT, TORT OR OTHERWISE) IN ANY WAY CONNECTED WITH THE WEB SITE OR THE INFORMATION IN THE WEB SITE SHALL NOT
EXCEED THE AMOUNT YOU PAID TO THE AGENCY FOR USE OF THE SERVICE.

Disclaimer

Your use of and browsing the Site are at your own risk. Neither the Site nor any other party involved in creating, producing , or delivering the Site is liable
for any direct, incidental, consequential, indirect, or punitive damages arising out of your access to, or use of the Site. Without limiting the forgoing,
everything on the Site is provided to you "as is" without warranty of any kind, either express or implied including but not limited to the implied warranties of
merchantability, fitness for a particular purpose, or non-infringement. The site shall not be liable for the contents of any web sites or pages, nor for any
loss, costs, damage of expense (including reasonable attorney’s fees) incurred by client including without limitation for any technical malfunction,
computer error or loss of data or other injury damage or disruption to client. In no event shall the site's liability ever exceed the total amount paid to the
site by client hereunder. In no event shall the site be liable for any indirect, incidental, consequential, special, or exemplary damages arising out of or
related to this agreement even if such damages are foreseeable and whether or not the site has been advised of the possibility thereof. The site will not
be liable for or considered to be in breach of or in default, on account of any delay or failure to perform as anticipated by the parties or if its site becomes
inoperable or incapable of performing as intended. The site makes no representations that the operation of its site will be uninterrupted or error-free, and
will not be liable for the consequences of any interruptions or errors. Please note that some jurisdictions may not allow the exclusion of implied
warranties, so some of the above exclusions may not apply to you. Check your local laws for any restrictions or limitations regarding exclusion of implied
warranties. The site also assumes no responsibility, and shall not be liable for any damage to, or viruses that infect your computer equipment or other
property on account of your access to, use of, or browsing in the Site or your downloading of any materials, data, text, images, video, or audio from the
Site.

Indemnity

You agree to indemnify and hold harmless the Site, EZDBL, Ryan and Ryan Insurance Brokers, Inc. and its affiliates, officers, directors, agents, cobranders
or other partners, employees and assignees from any third party claim or demand (including actual attorneys' fees) due to or relating to your use
of the Site. Your violation of these Terms of Use, or content you submit to or post on the Site including, without limitation, claims for infringement of
copyright or other intellectual property rights and violation of rights of privacy and publicity.

Intellectual Property

You should assume that everything you see or read on the Site is copyrighted by law unless otherwise noted and may not be used except as provided in
these Terms of Use or in the text on the Site without the explicit written permission of the Site. The Site neither warrants nor represents that your use of
materials displayed on the Site will not infringe rights of third parties not owned by or affiliated with the Site.

Ryan and Ryan Insurance Brokers, Inc. dba EZDBL
400 Stockade Drive - Kingston, NY 12401
(877) EZDBL-80 (845) 340-0001
© 2015


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