Terms of Use

This website is owned and operated by Private Client Select Insurance Services, LLC (“Private Client Select”) and/or its Affiliates. “Affiliates” means any entity controlling, controlled by, or under common control with Private Client Select.

These terms of use apply to www.privateclientselect.com as well as any other affiliated websites, digital services, or applications on which a link to these terms of use appears (collectively referred to as the “Website”). Please read these terms of use carefully before using the Website.

By using the Website, you acknowledge: (1) you are of legal age in your country to form a binding contract; and (2) you have read, understand and agree to be legally bound by the following terms of use, as well as any additional terms contained within any other Website you access, without limitation or qualification (collectively, the “Terms of Use”).

If you are using the Website on behalf of an individual or entity, you represent and warrant that you have authority to bind that individual and/or entity to the Terms of Use, and by accepting these Terms of Use, you are doing so on your own behalf, and on behalf of that individual and/or entity (and all references to "you" and “your” in the Terms of Use shall refer to you, the user, as well as that individual and/or entity).

If you do not agree to the Terms of Use, do not access the Website.

These Terms of Use may be revised by Private Client Select at any time, without advanced notice, by updating this posting. You will be bound by any such revisions and should therefore periodically visit this page to review the then-current conditions to which you are bound.

Section 1 – Disclaimer

1.1 Your use of the Website is at your own risk. You understand and agree that, to the fullest extent permitted by applicable law, the information, materials and software on the Website are provided on an “as-is” and “as available” basis, without warranties of any kind, expressed or implied. Private Client Select disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose, non-infringement, security, completeness or accuracy. Private Client Select does not warrant that the Website, materials or software will be provided on a timely, uninterrupted or error-free basis, that defects or errors will be corrected, or that the Website, server or software that makes it available are non-infringing, or free of viruses or other harmful components.

1.2 Private Client Select does not warrant or make any representations regarding the use or the results of the use, of the materials on the Website in terms of their correctness, accuracy, completeness, reliability, or otherwise. You (and not Private Client Select) assume the entire cost of all necessary servicing, repair, or correction of any device or computer you use to access the Website.

1.3 The information and descriptions contained herein are not necessarily intended to be complete descriptions of all applicable terms, exclusions and conditions and are provided solely for general informational purposes. Companies and individuals should not rely on the information provided on the Website for the prevention or mitigation of risks or as an explanation of coverage or benefits under an insurance policy. If you are a Private Client Select customer, you may be subject to other agreements with Private Client Select. These Terms of Use apply to use of the Website and do not change or alter any other contract or agreement between you and Private Client Select. Please refer to your policy documentation for more information regarding any applicable Private Client Select service or product.

Section 2 - Restrictions on Use

2.1 Except as otherwise expressly permitted by Private Client Select in writing, no materials or software from the Website or any website owned, operated, licensed or controlled by Private Client Select may be copied, displayed, modified, reproduced, reposted, republished, reused, uploaded, performed, posted, transmitted, or distributed in any way. You may download material displayed on the Website for your personal and non-commercial use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not frame or utilize framing techniques to enclose any content of the Website (including but not limited to text, forms, images, audio, video, trademarks or logos) without Private Client Select’s express written consent. Private Client Select neither warrants nor represents that your use of materials displayed on the Website will not infringe rights of third parties. At any time and for any reason, Private Client Select may remove materials or software from the Website.

2.2 Without limiting the foregoing, you agree that you will not:

a) use the Website or any materials contained on the Website to infringe the intellectual property rights of Private Client Select or other third parties in any way;

b) use the Website, or make any attempt to penetrate, modify or manipulate the Website or any of Private Client Select’s hardware or software, in order to:

invade the privacy of, or obtain any personal information about, any PCS customer or user of the Website;
modify, erase or damage any information contained on the computer of any user connected to the Website
reverse engineer any portion of the Website;
perform any action with the intent on introducing to the Website any viruses, worms, defects, Trojan horses, malware or other destructive items; or
interfere with or otherwise damage, disable, disrupt, impair, or overburden the Website, its software, its servers or networks;

c) interfere with any other party’s use and enjoyment of the Website;

d) systematically retrieve content, or use data mining, robots, or similar data gathering and extraction tools, to create a collection, compilation, database or directory, or otherwise harvest data or other information from the Website; or

e) use the Website for any unlawful, unauthorized, fraudulent or malicious purpose.

Section 3 - Third Party Content

3.1 The Website may contain links to other websites which are not controlled, operated, or maintained by Private Client Select. Private Client Select is not responsible for the content of such websites. The inclusion of any link to such websites does not imply Private Client Select's approval or endorsement of such sites or the content thereof. Private Client Select cannot guarantee that the links set out on the Website will be accurate at the time of your access. Moreover, the sites pointed at by links have been independently developed and possibly maintained by person(s) over whom Private Client Select has no control.

3.2 Private Client Select cannot and does not monitor the third-party sites linked to its pages on the Internet or any transmission made through the respective web pages and news groups. Accordingly, Private Client Select assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. Private Client Select believes that our making available links to publicly accessible web pages is legally permissible and consistent with the common, customary expectations of those who make use of the Internet. Any such third-party sites likely set forth specific terms of use and privacy policies that you should review.

Section 4 - Limitation of Liability

4.1 While Private Client Select uses reasonable efforts to include accurate and up-to-date information on the Website, errors or omissions sometimes occur. To the fullest extent permitted by applicable law, Private Client Select makes no warranties or representations as to the accuracy of the content of the Website and under no circumstances, including, but not limited to, negligence, shall Private Client Select or any party involved in creating, producing, or delivering the Website be liable to you for any damages, liabilities, fines, fees, penalties, interest obligations, deficiencies, losses or expenses, whether direct, incidental, consequential, indirect, special, exemplary or punitive damages, including but not limited to, damages for loss of use or loss of data, that are incidental to, resulting from, or arising out of the use of, or the inability to use, the Website, materials on the Website, or software, even if Private Client Select or a Private Client Select authorized representative has been advised of the possibility of such damages. In no event shall Private Client Select’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing the Website. Private Client Select also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect your computer equipment or other property as a result of your access to, use of, or browsing in the Website or your downloading of any materials, data, text, images, video, or audio from the Website.

4.2 You (and not Private Client Select) will be responsible for any liability arising out of 1) your access to, or use of, the Website, the materials on the Website, or software in a manner other than as expressly authorized by these Terms of Use, or 2) your violation of applicable laws or any rights of any third party.

Section 5 - Indemnification

You agree to defend, indemnify, and hold harmless Private Client Select, including its subsidiaries, Affiliates, and their respective successors, assigns, officers, directors, employees and agents from and against any claim, demand, cause of action, debt, loss, liability, damages or costs, including, without limitation, reasonable attorneys’ fees, to the extent that any of the foregoing is based upon, arises out of, or relates to: (a) your use of the Website, the materials or software on the Website; or (b) your violation of these Terms of Use. Private Client Select reserves the right, at your expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with Private Client Select in the defense of such matter. You agree not to settle any matter without the prior written consent of Private Client Select.

Section 6 - Jurisdictional Issues

6.1 The Website and all information and functionalities contained therein are not directed at or intended for use by any person resident or located in any jurisdiction where the distribution of such information or functionality is contrary to the laws of such jurisdiction. Unless otherwise expressly set forth herein, Private Client Select makes no representation that materials on the Website are appropriate or available for use in any location. Those who choose to access the Website do so by their own initiative and are responsible for compliance with local laws.

6.2 The Website is not intended to provide legal, tax, investment or insurance advice. Except as expressly set forth herein, the information contained on the Website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service offered by Private Client Select. No security, insurance product or other product or service is offered or will be sold by Private Client Select or, if sold by Private Client Select, will be effective in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction.

6.3 Any materials accessible through the Website relating to surplus lines products are intended for use solely by properly licensed surplus lines producers.

6.4 Some products and services may not be available in all jurisdictions.

Section 7 - Ownership of Information

Any information, other than personal data or personal information you transmit to Private Client Select via the Website, by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of Private Client Select. Such information, other than personal data or personal information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting to social media. Private Client Select is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Private Client Select via the Website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information, without any obligation to you.

Section 8- Trademarks and Copyrights

8.1 All trademarks, service marks, trade names, logos, and domain names are proprietary to Private Client Select. Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark, service marks, trade names, logos, or domain names displayed on the Website without the prior written permission of Private Client Select. The arrangement and layout of the Website, including but not limited to, the trademarks, images, text, graphics, buttons, screenshots, and other content or material, are the sole and exclusive property of Private Client Select. Your use of the trademarks, service marks, trade names, logos, or domain names displayed on the Website, any other materials on the Website, or the arrangement or layout of the Website, except as provided herein, is strictly prohibited.

8.2 Images, videos and other materials displayed on the Website are either the property of, or used with permission by Private Client Select. The use of these images, videos or other materials by you, or anyone else authorized by you, is prohibited unless specifically permitted in writing by Private Client Select. Any unauthorized use of images, videos, or other materials, may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Section 9 – Privacy Policy

Please review our Privacy Policy that describes how we handle personal information that we collect through: this Website, the software applications made available by us for use on or through computers, mobile devices, and our social media pages (collectively, the “On-line Services”), and other sources. You agree that when using this website and relevant Private Client Select products and services, the terms of our Privacy Policy apply to how we handle your personal information, including, but not limited to, cookies and similar technology we may use to collect information about your use of the On-line Services and your preferences.

Section 10 - Software Licenses

You acknowledge that any software which may be available or provided to you on the Website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export control laws and regulations. Private Client Select does not authorize the downloading or exportation of any software or technical data from the Website to any jurisdiction where such activity is prohibited by export controls laws and regulations.

Section 11 - Governing Law and Venue

These Terms of Use are to be construed in accordance with and governed by the internal laws of the State of New York, without giving effect to any choice of law provisions. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to these Terms of Use shall be in an appropriate state or federal court located in the County of New York, State of New York and the parties unconditionally waive their respective rights to a jury trial.

Section 12 - Entire Agreement and Severability

These Terms of Use constitute the entire agreement between us with respect to the subject matter addressed herein, and govern your use of the Website, materials on the Website, and software. These Terms of Use supersede all prior understandings or agreements between us relating to such subject matter. No delay or failure by Private Client Select to take action or exercise any rights under these Terms of Use or applicable law shall constitute a waiver thereof. If any portion of these Terms of Use is found to be unenforceable, the remaining sections of the Terms of Use will remain in effect. The section headings are for convenience only and do not have any force or effect.

Published June 2023

DMCA Compliance Information

C/O AIG.COM, Inc. and American International Group, Inc.

1271 Ave of the Americas
Floor 11
New York, NY
10020-1304

DMCAGovernance@aig.com

Phone number: 1-718-974-5348