Terms & Conditions

  1. Who We Are. R.I.C. Insurance General Agency is a California corporation in the business of distributing and underwriting commercial and personal lines insurance products (hereinafter the “Company”). Welcome to our Company website located at www.ric-ins.com (the “Website”).
  2. Terms of Use. This Website is maintained as a service to our customers. By using this Website, you agree to comply with and be bound by these Website Terms and Conditions, for access and use of the Website (the “Terms of Use”). Please review these Terms of Use carefully. If you do not agree to these Terms of Use, you should not use this Website. Each use by you of this Website shall constitute and be deemed your unconditional acceptance of these Terms of Use.
  3. Definitions. The terms “we” and “us” as used herein refer to the Company. The terms “you” and “User” as used herein refer to all individuals and/or entities accessing the Company’s Website for any reason.
  4. Privacy. Your visit to this Website is also governed by our Privacy Policy. Please review our Company’s Privacy Policy. By using this Website, you agree to comply with our Privacy Policy, and understand and consent to the collection and use of information as set forth in the Privacy Policy.
  5. Account. You may be asked to create an account or register or “sign up” to use certain services on our Website. You should not share any passwords or other log-in information, let any third-parties access your account, or do anything else that might jeopardize the security and confidentiality of your information. You are prohibited from providing any false information or third-party information without permission.
  6. Modifications. We reserve the right to modify these Terms of Use and any policies affecting the Website. Any such modifications shall be effective immediately. Your continued use of the Website following any modification to these Terms of Use shall be conclusively deemed an acceptance of all such modification(s).
  7. Ownership. All content included on this Website is and shall continue to be the property of Company, or its content suppliers, and is protected under applicable copyright, patent, trademark, and other proprietary rights. Any copying, redistribution, use or publication by you of any such content or any part of the Website is prohibited, except as expressly permitted in this Agreement. Under no circumstances will you acquire any ownership rights or other interest in any content existing on the Website by or through your use of this Website.
  8. Copyright Information. You understand and recognize that any material or content on this Website is protected by copyright law. You agree you will not copy any of the graphics, images, artwork, text, video or audio on this Website without the express written permission of the owner of the copyrights in that material. Copyrighted material must not be placed by you on the Website without the permission of the owner(s) of the materials or person(s) they specifically authorize to grant permission. Only the owner(s) or such authorized person(s) may upload copyrighted material to the Website. Any changes to or deletion of author attributions or copyright notices on the Website are prohibited.
  9. Intended Audience. This Website is intended for adults only. This Website is not intended for any children under the age of 13.
  10. Website Use. Company grants you a limited, revocable, nonexclusive license to use this Website solely for your own personal use and in connection with the services offered by our Company only. This license is not for republication, distribution, assignment, sublicense, sale, preparation of derivative works, or other use of this Website. You agree not to copy materials on the Website, reverse engineer or break into the site, or use materials, products or services in violation of any law. The use of this Website is at the discretion of Company and Company may terminate your use of this Website at any time without notice or cause.
  11. Restrictions. You agree to the following restrictions:
    (a) You will not reprint, republish or distribute in any way, any information or materials found on this Website;
    (b) You will not use any of the information on this Website for sending emails or otherwise contacting third-parties, for solicitation purposes or for any other purposes involving solicitation in any way;
    (c) You will not access data not intended to be accessed by users of the Website or attempt to probe, scan or test the vulnerability of the Website site or attempt to interfere with any service available on the Website, change or delete postings of others on the Website, disclose information posted by others on the Website or otherwise infringe on privacy rights of others using the Website, take other actions which impose an unreasonable or disproportionate load on the Website, send unsolicited email or make any other unsolicited contact, including in connection to promotions and/or advertising of products or services, to addresses or other contact information obtained from the Website, forge any email address, name, or other identifying information in connection with the Website, and/or use a password, name or identification which is not your own in accessing the Website;
    (d) You will not attempt to decipher, decompile, disassemble or reverse engineer any of the software comprising or in any way used on this Website; and
    (e) You will not edit or delete any information, software, or other content appearing on the Website.
  12. Compliance with Laws. You agree to comply with all applicable laws regarding your use of this Website. You further agree that information provided by you is truthful and accurate to the best of your knowledge.
  13. Use of Information. Company reserves the right, and you authorize us, to use and assign all information regarding Website uses by you and all information provided by you in any manner consistent with our Privacy Policy. You acknowledge and agree that any information sent by you or received by our Company through this Website shall not give rise to any legal obligations to conduct transactions, constitute acceptance of conducting transactions via electronic means, nor create a binding contract on the parties (except under the terms and conditions of these Terms of Use and the Privacy Policy).
  14. Disclaimer of Warranties.
    THE MATERIAL ON THIS WEBSITE (INCLUDING ALL CONTENT, SOFTWARE, FUNCTIONS, SERVICES, MATERIALS AND INFORMATION MADE AVAILABLE HEREIN OR ACCESSED BY MEANS HEREOF) ARE PROVIDED “AS IS,” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
  15. Limitation of Liability.
    YOU ASSUME FULL RESPONSIBILITY AND RISK OF LOSS RESULTING FROM YOUR USE OF THIS WEBSITE AND ANY INFORMATION ON THIS WEBSITE. UNDER NO CIRCUMSTANCES SHALL WE OR ANY OF OUR DIRECTORS, OFFICERS, EMPLOYEES OR REPRESENTATIVES BE LIABLE FOR ANY INDIRECT, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES EVEN IF WE OR ANY OF OUR EMPLOYEES OR REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN ANY EVENT, THE TOTAL LIABILITY OF US AND OUR DIRECTORS, OFFICERS, EMPLOYEES AND REPRESENTATIVES IS LIMITED TO THE AMOUNT, IF ANY, ACTUALLY PAID FOR USE OF THE SITE AND YOU HEREBY RELEASE US AND OUR DIRECTORS, OFFICERS, EMPLOYEES AND REPRESENTATIVES FROM ANY AND ALL OBLIGATIONS, LIABILITIES AND CLAIMS IN EXCESS OF THIS LIMITATION.
  16. Links. You acknowledge that we have not reviewed the content of all forms, content or sites linked to or from this Website and that we are not responsible for the content of any of those sites and do not take responsibility for them or endorse them. We do not represent or guarantee the accuracy, completeness, reliability or appropriateness of any forms or content associated with or connected to any links on this Website. Any such forms or content are provided and intended for general guidance only.
  17. Indemnity. You agree to indemnify us and hold us, and our employees, subcontractors and suppliers, (we and all indemnified parties being referred to herein as the “Indemnified Parties”) harmless from any and all losses, including, but not limited to, attorney’s fees, that any one or more of the Indemnified Parties may incur as a result of your violation of any of these Terms of Use. You further agree to indemnify and hold each of the Indemnified Parties harmless from any and all losses, including, but not limited to, attorney fees, that any one or more of the Indemnified Parties may incur as a result of any claims by you against any one or more of the Indemnified Parties even if such claim is based on the negligence of any one or more of the Indemnified Parties.
  18. Reporting Violations. If you become aware that any other person is violating any of these Terms of Use, please notify us immediately.
  19. Applicable Law. These Terms of Use, and all claims or causes of action (whether in contract, tort or statute) that may be based upon, arise out of or relate to these Terms of Use, or the execution or performance of these Terms of Use, shall be governed by, and enforced in accordance with, the internal laws of the State of California.
  20. Severability. If a court of law holds any provision of these Terms of Use to be illegal, invalid or unenforceable, (a) that provision shall be deemed amended to achieve an economic effect that is as near possible to that provided by the original provision, and (b) the legality, validity and enforceability of the remaining provisions of these Terms of Use shall not be affected thereby.
  21. Termination. Company may terminate these Terms of Use at any time, with or without notice, for any reason.
  22. Contact Information.
    R.I.C. Insurance General Agency
    P.O. Box 12279
    Santa Rosa, CA 95406