Please read the following terms and conditions carefully before using this website or any of our other websites. You should review these terms and conditions regularly as they may change at any time at our sole discretion. The following terms and conditions apply to all of our websites, including any websites owned, operated or sponsored by any of our subsidiaries or affiliates but we may add to or supersede certain provisions of these terms and conditions with other provisions located in other parts of all of our websites.

1. Liability
UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE FROM YOUR USE OF, OR INABILITY TO USE, THIS WEBSITE. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.
THIS WEB SITE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

2. We Do Not Have Responsibility for Links to Third Party Content
LINKS TO THIRD PARTY WEB SITES ARE PROVIDED FOR YOUR CONVENIENCE AND INFORMATION ONLY. THE CONTENT IN ANY LINKED WEB SITES IS NOT UNDER OUR CONTROL AND WE ARE NOT RESPONSIBLE FOR IT.
We reserve the right to terminate a link to a third party web site at any time. The fact that we provide a link to a third party web site does not necessarily mean that we endorse, authorize or sponsor that web site, nor that we are affiliated with the third party web site's owners or sponsors. If you wish to link to any Otterstedt site, please contact our webmaster. If you are a Otterstedt group customer and wish to link your website to this site, please contact your Otterstedt representatives for instructions.

3. Privacy/Treatment of Information or Data Transmitted to Us
Personal information transmitted to us will be treated in accordance with our Privacy Policy.

4. Proprietary Rights & Restricted Use
This website’s content is copyrighted and protected by U.S. and worldwide copyright laws and treaty provisions. In addition, this website’s content is protected by trademark laws, the laws of privacy and publicity, and communication regulations and statutes. You are not authorized to post on or transmit to or from this website any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other content that could give rise to any civil or criminal liability under the law. You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this website, without the prior written permission of Otterstedt.

5. By Providing Content, We Do Not Allow You to Use Trademarks Referenced in This Website
Otterstedt Insurance Agency is the copyright owner of all text contained on this website. Other parties’ trademarks and services marks that may be referred to are the property of their respective owners.

6. All Products, Programs and Services May Not be Available in Your Area
This website is controlled by us from our offices within the United States of America. Except as specifically stated, we make no representation that content or materials in this website are appropriate or available for use in other jurisdictions. Access to this website content or materials from jurisdictions where such access is illegal is prohibited. If you choose to access this website from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws.