Terms and Conditions

This section sets forth the Terms and Conditions relating to your use of the Cornerstone General Insurance Agency, Inc. website maintained at www.CornerstoneGeneral.net. The Terms and Conditions outlined below provide additional information about Cornerstone General Insurance Agency, Inc. and its subsidiaries and are applicable to your use of www.CornerstoneGeneral.net regardless of how you accessed it. If you do not wish to be bound by these Terms and Conditions, discontinue your use of this site.

Privacy Policy
To receive information about Cornerstone General Insurance Agency, Inc.‘s Privacy Policy, please view that information at www. CornerstoneGeneral.net /Privacy/.

Your use of this site
You may not use this site to engage in any illegal activity. You may not use this site to engage in conduct which is defamatory, libelous, threatening or harassing or that infringes on proprietary rights.

INDEMNIFICATION.
You (hereinafter referred to as the “Indemnitor” or the “Indemnifying Party”) will defend, indemnify and hold harmless Cornerstone and its subsidiaries and Affiliates, and their respective employees, officers, and directors (hereinafter referred to as the “Indemnitee” or the “Indemnified Party”) against all costs and expenses of the Indemnified Party (including without limitation reasonable attorney’s fees) arising against the Indemnified Party and all damages of the Indemnified Party arising from or in connection with the use of the site to any illegal activity or the infringement of the proprietary rights.
E-mails to Universal Insurance Holdings electronic addresses
The Cornerstone General Insurance Agency, Inc. e-mail system is a private e-mail system intended only for purposes authorized by Cornerstone General Insurance Agency, Inc. You may not send unsolicited commercial e-mail messages to any e-mail addresses at @CornerstoneGeneral.net.
Disclaimer of Warranties
Content, products, programs, offerings, or technical information included in this website may be compiled from vendors that maintain policy information, and is subject to change without notice. Cornerstone General Insurance Agency, Inc. makes no representation or warranty whatsoever regarding, and expressly disclaims legal liability or responsibility for, the completeness, quality, or adequacy of its website, content, or suitability, functionality or operation of the website or its content. Any information, services, materials, software, calculators or other items contained on Universal Insurance’s website are provided "as is" without any warranty of any kind, either expressed or implied; including, without limitation, the implied warranties of merchantability and fitness for a particular purpose. Cornerstone General Insurance Agency, Inc. does not guarantee that its website will be uninterrupted or free from errors. By using this website, you assume any risk associated with the use or performance of information, services or materials and the risk that the content of this website may be inaccurate, incomplete, or may not meet your needs and requirements. Universal Insurance Holdings will not be held liable for any damages, of any kind, that arises from the use of this website or information contained herein including without limitations the loss of data, business interruption, incidental damages etc.

Secured areas and passwords
Some portions of Cornerstone’s website are restricted and require authorization for access. Website users are prohibited from unauthorized use of or access to areas of the website that are restricted. Attempts to access such areas without authorization may be viewed, monitored and recorded. If you are not an authorized user of the policy management system or do not consent to monitoring, you should not access areas requiring authorization.
To gain accesses to these restricted areas, you must provide account information and create a password. If you have registered with www.CornerstoneGeneral.com you are responsible for maintaining the security and confidentiality of your password.  Cornerstone General Insurance Agency, Inc. will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, contact Cornerstone General Insurance Agency, Inc. immediately. Cornerstone General Insurance Agency, Inc. does not assume any responsibility for a security breach to your account if you mishandle or do not properly maintain the security of your password.

Cornerstone General Insurance Agency, Inc. Intellectual Property Rights
The Cornerstone General color scheme, the terms “Cornerstone General Insurance Agency, Inc.," "Cornerstone General," and the phrase "Agents are the Foundation of our Business", and all logos and graphics using the Cornerstone General name and marks are the intellectual property of Cornerstone General Insurance Agency, Inc. and its affiliated organizations. Cornerstone General Insurance Agency, Inc. may possess intellectual property rights in materials that are not delineated in this provision. Unless otherwise indicated, all materials on this website including are the property of Cornerstone General Insurance Agency, Inc.
Cornerstone General Insurance Agency, Inc. reserves all rights to its intellectual property. You may print out copies of pages of this site for your personal, non-commercial use, provided that all legal ownership notices are retained. ALL OTHER USES ARE PROHIBITED.

Availability of products and services
Cornerstone General Insurance Agency, Inc. conducts business in certain states in the United States of America. The home office is located in Sacramento, California. Not all of the products or services described on this website are available in all states where Cornerstone General conducts business. Cornerstone General Insurance Agency, Inc. has made every effort to clearly delineate products and services that are available in your state; however, you may not be eligible for all products offered in your state and Cornerstone General Insurance Agency, Inc. reserves the right to determine your eligibility for products and services as permitted by law.

Other agreements
These "Terms and Conditions" apply to your use of this website and do not touch or concern any other contract or agreement between you and Cornerstone General Insurance Agency, Inc. or you and your agent.

Insurance quotes/coverages
At this time, insurance quotes are not available through this website. To obtain coverage you must submit an application to Cornerstone General Insurance Agency, Inc., through an independent, participating agent. All applications are subject to underwriting approval.
Coverages and product availability may vary by state. For additional information about the products, and coverage options offered by Cornerstone General Insurance Agency, Inc., please contact your local insurance agent.

Changes to this document

The content of this site and of the "Terms and Conditions" contained herein are subject to change without prior notice.

Applicable law/severability
The "Terms and Conditions" set forth herein shall be governed by and interpreted according to the laws of the State of California without respect to any conflict of laws provisions. If any portion of these "Terms and Conditions" is unlawful, void or unenforceable, it shall not affect the validity or enforceability of any other provision contained herein.