Thank you for visiting the website of Supple-Merrill & Driscoll,
Inc. Insurance Agents and Brokers and its affiliates (together,
“SMD”, “we” or “us”). By accessing this website (the “Site”),
pertaining to the use of the Site, which constitute a legal
agreement between you and Abacus.
Policy. By visiting the Site, you agree to these
Site each time you visit the Site. If you do not agree with it,
you should not use the Site.
please contact us at email@example.com,
or write to us at Supple-Merrill & Driscoll, Inc., ATTN: Legal
Department, 550 El Dorado Street, Pasadena CA, 91101.
1. Uses of Our Site and Content
All content and information, and all trademarks, logos,
copyrights, and other intellectual property displayed on the
Site is owned by SMD or their respective owners. By visiting
this Site you agree to the following with respect to the content
and information on the Site (the “Content”).
grants you a limited, revocable, nonexclusive, and
nontransferable right to view, store, bookmark, download,
copy and print pages from the Site solely for your personal
and noncommercial use only.
may not use any trademark, service mark, or logo of SMD or
any third party that appears on the Site without prior
agree not to copy portions of the Site (such as by bots,
robots, or spiders that “harvest” the Site), interfere with
the functioning of the Site, or restrict or inhibit any
others from using the Site.
you download any pages from the Site, you agree that you
will not remove or obscure any copyright or other notices or
legends contained in any such Content. You may not alter or
modify the Content in your copies.
Unless you receive our permission in advance, you may not
exploit any of the Content commercially, forward it as a
mass distribution, post it on another site, or otherwise
copy, distribute or modify any portion of the Site.
you link other websites to this Site, you may not imply or
suggest that SMD has endorsed or is affiliated with such
websites, and you may not display this Site as “framed”
within another website.
may not (and may not encourage or assist others to) violate
any law, regulation, rule, or the intellectual property or
contractual rights of others, or attempt to violate the
security of this Site or use or gain access to the
identities, information or computers of others through this
may not delete, decompose, decompile, reverse engineer,
disassemble or otherwise deconstruct all or any portion of
may not transmit any virus, worm, time bomb, or similar
system interference or corruptant through this Site.
SMD has the right (but not the obligation) to monitor this Site
for any unauthorized or objectionable conduct and to take all
appropriate actions in response, without notice to you and we
may at any time revoke your right to use all or any portion of
the Site. SMD may investigate any complaint regarding or
activity relating to this Site to regulators, law enforcement
officials, or other persons or entities that it deems
2. International Use
The Site is operated and controlled by us in the United States,
and the Content provided in or accessible through the Site is,
unless otherwise specified, directed at residents of the United
States. Despite the global nature of the Internet, SMD makes no
claims that the Content or the Site are appropriate or may be
viewed or used outside the United States. Access to the Site
from countries or territories where such access is illegal is
prohibited. SMD makes no representations that the transactions,
products, or services discussed on or accessible through the
Site are available or appropriate for sale or use in all
jurisdictions or by all users. Those who access the Site from
outside the United States do so on their own initiative and are
responsible for compliance with local laws, rules and
3. Linked Sites
SMD does not review or monitor any websites linked from or to
the Site and is not responsible for the content of any such
websites, or any products or services contained on or accessible
policies of any website that you visit. SMD disclaims
responsibility for the privacy policies and customer information
practices of third-party internet websites linked from the Site.
4. Transmission to and from the Site
Any communication or content that you send to the Site is and
will be deemed to be non-confidential as between you and us, and
SMD will be free to use, modify, reproduce and distribute it for
any purpose without compensation to you.
5. Password and Security Notification
Certain areas of the Site may be password-protected. You may not
attempt to access any password-protected areas of the Site
without authorization. If you have been issued a password for
the Site, you agree that SMD has granted you limited access to
specific files pertaining to investments relevant to you, and
you agree not to attempt to access other computer files.
All information that SMD provides to Site users supplying a
password is confidential and intended solely for the information
of its intended recipient and/or such recipient's financial,
legal, or tax advisors, provided that such advisors agree not to
disclose any information that is confidential.
You are solely responsible for maintaining the confidentiality
of your passwords, account information, usernames, and/or
security questions and answers for the Site, and for logging off
any protected areas of the Site when you finish a session.
Accordingly, you should protect the confidentiality of your
password, and notify SMD immediately if you become aware of its
unauthorized use. If you share your password with a third party,
you assume all responsibility for all such party's activity
related to the Site.
6. Limitation of Liability and Disclaimers
SMD, its affiliates,
and their respective officers, directors, managers, partners,
members, shareholders, employees, affiliates, and agents
(collectively “Related Persons”) make no representations or
warranties and specifically disclaim any and all warranties of
any kind, express or implied, with respect to the Site and the
Content, including any representations or warranties with
respect to merchantability, fitness for a particular purpose,
title, non-infringement, availability, security, accuracy,
freedom from viruses or malware, completeness, timeliness,
functionality, reliability, sequencing or speed of delivery.
Your use of the Site and the Content is on an “as is” and “as
In no event shall SMD, its
affiliates, or their Related Persons be liable to any party for
any claims, liabilities, losses, costs, or damages under any
theory, including but not limited to any direct, indirect,
punitive, special, incidental, or consequential damages arising
out of in connection with any access, use (or inability to use)
or distribution of the Site, or any Content therein. This is
true even if SMD has been advised of the possibility of such
damages or losses.
7. Governing Law and Forum
Site shall be resolved solely in the state or federal courts
located in San Diego County, CA. You agree to waive trial by
jury in any such action.
Supple-Merrill & Driscoll, Inc. Insurance Agents and Brokers
Media Account Disclosures
read these Terms and Conditions of Use (“Terms and Conditions”)
Supple-Merrill & Driscoll, Inc. Insurance Agents and Brokers
(the “Company”) may sponsor accounts on various social media and
networking platforms. Content and other information
contained on the Company's social media and networking platforms
(the “Site”) that is provided by the Company is for
informational purposes only, represents the current, good-faith
views of the Company, and is subject to change without notice.
The Company makes all reasonable efforts to ensure that the
information contained on the Site is accurate and reliable;
however, errors sometimes occur. You should note that the
materials on the Site are provided "as is" without any express
or implied warranties. The Company does not warrant that the
functions contained in the materials will be uninterrupted or
error-free, that defects will be corrected, or that the Site or
the servers that make it available are free from viruses or
other harmful components. The Company does not warrant or
represent that the materials on the Site are correct, accurate,
or reliable. You (and not the Company) assume the entire cost of
all necessary servicing, repair, or correction of your property
or operations as a result of using the Site.
Due to the highly regulated nature of our industry and as a
matter of policy, the Company does not follow other users and,
in some instances, may not reply to user comments. You are not
authorized to post on or transmit to or from the Site 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. Further, we reserve the right to review
and remove comments and the right to block comments or
commenters for any reason.
For your own security and protection, please do not include
personal or account information in posts or other messages
directed to the Company. Please refrain from posting any
comments, positive or negative, on the Company, our products, or
employees. We reserve the right to delete any such postings.
The Company in no way endorses or takes responsibility for any
content, advertising, products, advice, opinions,
recommendations, or other materials posted by followers or other
third parties on the Site. Any comments or opinions posted by
another user should be attributed to that user and not the
Hyperlinks to Other Websites
We may occasionally provide "hyperlinks," also known just as
"links," to other companies' websites. We provide these links
when we think there are other websites that may interest or
educate you. This is done as a convenience to you and should not
be construed as an endorsement of any website, company, product,
or service by the Company. While we make every attempt to
provide links only to those websites we think are worthwhile and
accurate, we cannot be responsible for the content or accuracy
of the information presented on those websites, and we
specifically disclaim any liability for any loss or damages
which you may incur, directly or indirectly, as a result of your
use of them. We reserve the right to terminate a link to a
third-party website at any time.
Copyrights and Trademarks
The Site's content is protected by U.S. and worldwide copyright
and trademark laws and treaty provisions. By using the Site, we
do not grant you any rights to reproduce, sell, or license any
of the content contained herein, except that you may print a
copy of the information contained herein for your personal use
only. You may not reproduce or distribute the text or graphics
to others, or copy all or substantially all of the content to
your own hard drive or server. You also may not create a link
from a third-party website to the Site without the prior written
permission of the Company.
Social media and networking platforms are public sites. The
Company is in no way affiliated with any social media or
networking platform and has no responsibility for its operations
and services. The Company is not responsible for any social
security policies, or any other third-party sites that may be
linked to by a social media or networking platform site. By
using the Site, you accept at your own risk that the Internet
and online communications medium may not perform as intended
despite the efforts of the Company, your Internet Service
Provider, and you.
The Company and its affiliates disclaim, to the fullest extent
permitted by law, all express and implied warranties of
merchantability, fitness for a particular purpose, and
non-infringement. If you live in a state that does not allow
disclaimers of implied warranties, our disclaimer may not apply
The “SMD” name and logo are registered service marks of the
Company. For additional information regarding account security
Your Acceptance of these Terms
Your use of the Site constitutes your acceptance of the terms
contained herein. You may reject these terms by leaving the Site
at any time.