Acceptance of Terms
By registering to use, accessing, using, or linking to the bsmg.net website
you agree to these Terms of Use, including the agreement to indemnify and
hold harmless Brokers' Service Marketing Group II, LLC ("BSMG"), its
employees, officers, members and agents. These terms of use may be changed
at any time without prior notice by BSMG and/or its owners.
No provision of legal, investment or other advice; use of calculators and estimators
Neither the bsmg.net website nor any of the content thereon should be
construed, considered or relied upon as legal or investment advice. Users
are solely responsible for providing their end clients with appropriate
professional advice and/or referring said clients for appropriate advice
before taking action or inaction. Users are responsible for the advice they
provide and for ensuring that their clients are properly advised by
appropriate professionals. Calculators and/or estimators that may be used
on bsmg.net are provided solely for users to estimate projected,
hypothetical needs and should not be relied upon in formulating financial
plans. Users are solely responsible for providing competent advice to their
clients on their insurance needs based upon an understanding of the client's
unique circumstances.
Representations/Warranties/Indemnification
You specifically represent and warrant that you are duly licensed as a life
insurance producer in the state(s) in which you provide life insurance
services, that you hold all other required licenses and certifications for
the products and services that you offer, and that bsmg.net shall be
utilized solely for the purpose of researching and selecting products in
jurisdictions where you are possessed of all necessary licenses and
permissions and that all such licenses are current and in good standing in
such jurisdiction(s). You further represent and warrant that you shall not
permit anyone other than yourself to use your bsmg.net login and password
and that you shall be solely and completely responsible for all activity
under your username and password through bsmg.net. You further represent
and warrant that you shall utilize bsmg.net solely in a professional and
competent manner for the purposes for which it is intended, and that you
shall properly, professionally and competently advise your clients with
respect to the products provided and the suitability thereof and accept sole
responsibility therefore. By registering as a user of bsmg.net, linking to,
accessing and/or using bsmg.net, you agree to these terms of use and
specifically agree to defend, indemnify and hold harmless its owner Brokers'
Service Marketing Group II, LLC, its employees, officers, members and agents
without limitation against all losses, expenses, damages, costs and other
liabilities, including reasonable attorney fees, resulting from your use of
bsmg.net or any violation of these terms or use.
Disclaimer of Warranty and Limitation of Liability
USE OF THIS SITE IS ENTIRELY AT YOUR OWN RISK. THIS SITE AND THE MATERIAL
THEREON IS PROVIDED "AS IS" AND "AS AVAILABLE." BSMG.NET AND ITS OWNER
BROKERS' SERVICE MARKETING GROUP II, LLC MAKE NO REPRESENTATIONS OR
WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, ON THIS SITE. ANY LINKS TO
OTHER SITES ARE COURTESIES AND DO NOT CONSTITUTE AN ENDORSEMENT OF THE
LINKED MATERIAL. TO THE FULL AND MAXIMUM EXTENT PERMITTED BY APPLICABLE
LAW, BROKERS' SERVICE MARKETING GROUP II, LLC DISCLAIMS ALL WARRANTIES,
EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. BROKERS' SERVICE
MARKETING GROUP II, LLC DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, EMAIL
SYSTEM, OR RELATED SYSTEMS ARE FREE OF VIRUSES, WORMS, TROJAN HORSES OR
OTHER CONTAMINATING OR HARMFUL CODE AND WILL NOT BE LIABLE FOR ANY DAMAGES
OF ANY KIND ARISING FROM THE USE OF THIS SITE OR ERRORS OR OMMISSIONS
THEREON, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL,
CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES EVEN IF BROKERS'
SERVICE MARKETING GROUP II, LLC IS MADE AWARE OF THE POSSIBILITY OF SUCH
DAMAGES.
SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE
LIMITATION OF CERTAIN LIABILITIES. IF SO, THE LIABILITY OF BROKERS' SERVICE
MARKETING GROUP II, LLC IS LIMITED, DISCLAIMED AND EXCLUDED TO THE MAXIMUM
EXTENT PERMITTED BY LAW.
Copyright and Proprietary Rights
The entire contents of the bsmg.net website, excluding only logos or
trademarks used thereon with permission, and the arrangement of such
content, is owned by Brokers' Service Marketing Group II, LLC and is
protected by copyright under United States and foreign laws.
Cancellation of Existing Coverage
As a licensed life insurance producer, you the User agree and are solely and
completely responsible for advising and ensuring, that your client does not
cancel or terminate any existing coverage until an appropriate time (i.e.,
after receipt and approval of the new policy).
Accuracy of Quotes
You acknowledge, understand and agree that quotations provided on bsmg.net
are estimates based upon the information provided and can not be represented
or held out as in any way guaranteed. You further acknowledge and
understand that your client may receive a premium offer at a different rate
than that quoted on bsmg.net. You represent and warrant that you shall
accurately and professionally advise your clients that the quotes provided
on bsmg.net are estimates and not promises or guarantees.
The countless protection options available and choices can be overwhelming, even to the most advanced financial service professionals. In addition to the usual product choices, retirement portfolios can be enhanced by repositioning assets for Long Term Care (LTC) coverage.
