1. Acceptance of Terms

Welcome to NeitClem Wholesale and Insurance Brokerage ("NeitClem," "we," "us," or "our"). By accessing or using our website, services, or requesting insurance quotes or policies through NeitClem, you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, please do not use our services.

2. About Our Services

NeitClem is a California-based, independently owned wholesale surplus lines insurance brokerage company established in 1992. We provide:

• Wholesale insurance brokerage services
• Access to specialty insurance products and coverages
• Insurance policy placement and binding services
• Risk assessment and coverage consultation
• Claims assistance and support services

2.1 Authorized Users

Our services are intended for:

• Licensed insurance agents and brokers
• Insurance professionals seeking wholesale insurance solutions
• Businesses and individuals seeking insurance coverage through authorized agents

3. Licensing and Regulatory Compliance

NeitClem operates under the following credentials:

• California License Number: 0E24609
• Jurisdiction: State of California
• Regulatory Compliance: We comply with all applicable state and federal insurance regulations

All insurance products offered are subject to state regulations and availability. Coverage terms, conditions, and availability may vary by jurisdiction.

4. User Responsibilities

4.1 Accurate Information

You agree to provide accurate, current, and complete information when:

• Submitting insurance applications
• Requesting quotes or policy information
• Communicating with our team
• Filing claims or making policy changes

4.2 Authorized Use

You agree to use our services only for lawful purposes and in accordance with these Terms. You will not:

• Provide false or misleading information
• Attempt to gain unauthorized access to our systems
• Use our services to commit fraud or other illegal activities
• Interfere with the proper functioning of our website or services
• Violate any applicable laws or regulations

4.3 Professional Conduct

Licensed agents and brokers using our services agree to maintain professional standards and comply with all applicable insurance licensing requirements and ethical guidelines.

5. Insurance Products and Policies

5.1 Product Information

All insurance product information, quotes, and policy details provided on our website or through our services are subject to:

• Underwriting approval
• Policy terms and conditions
• State and federal regulations
• Carrier guidelines and requirements

5.2 No Guarantees

Quotes and preliminary information do not constitute a binding contract or guarantee of coverage. Final policy terms are determined by the issuing insurance carrier based on complete underwriting review.

5.3 Policy Documents

All policy terms, conditions, exclusions, and limitations are specified in the insurance policy documents issued by the carrier. These documents supersede any preliminary information or discussions.

6. Limitation of Liability

6.1 Brokerage Role

NeitClem acts as an insurance broker and intermediary. We do not underwrite insurance policies, assume risk, or guarantee coverage. All insurance policies are issued by licensed insurance carriers, and coverage is subject to the terms and conditions of the policy issued by the carrier.

6.2 Limitation

To the fullest extent permitted by law, NeitClem shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Errors or omissions in information provided
• Delays in processing or policy issuance
• Carrier insolvency or failure to pay claims
• Any damages arising from use of our website or services

6.3 Maximum Liability

In no event shall our total liability exceed the amount of commissions or fees received by NeitClem for the specific transaction giving rise to the claim.

7. Intellectual Property

All content on the NeitClem website, including but not limited to text, graphics, logos, images, and software, is the property of NeitClem or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, modify, or distribute our content without written permission
• Use our trademarks or branding without authorization
• Reverse engineer or attempt to extract source code from our website

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

8.1 Information Collection

We collect information necessary to provide insurance services, including:

• Personal and business information
• Financial information for underwriting
• Contact information for communication
• Policy and claims information

8.2 Data Security

We implement reasonable security measures to protect your information. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

9. Third-Party Services and Links

Our website may contain links to third-party websites or services. We are not responsible for:

• The content or practices of third-party websites
• The availability or functionality of external services
• Any damages or losses arising from third-party interactions

Your use of third-party services is at your own risk and subject to their terms and conditions.

10. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.

We encourage you to review these Terms periodically for any updates.

11. Termination

We reserve the right to terminate or suspend access to our services immediately, without prior notice, for any reason, including but not limited to:

• Violation of these Terms
• Fraudulent or illegal activity
• Providing false information
• Non-payment of premiums or fees

Upon termination, your right to use our services will cease immediately.

12. Dispute Resolution

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

12.2 Jurisdiction

Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Los Angeles County, California, and you consent to personal jurisdiction in such courts.

12.3 Informal Resolution

Before filing any formal claim, you agree to contact us to attempt to resolve the dispute informally by contacting us at:

Email: QuoteNow@neitclem.com
Phone: (323) 258-2600

13. Disclaimers

13.1 "As Is" Basis

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

13.2 No Professional Advice

Information provided on our website is for general informational purposes only and does not constitute professional insurance advice. You should consult with a licensed insurance professional for advice specific to your situation.

13.3 Accuracy of Information

While we strive to provide accurate information, we do not warrant that our website or services will be error-free, uninterrupted, or free from viruses or other harmful components.

14. Indemnification

You agree to indemnify, defend, and hold harmless NeitClem, its officers, directors, employees, agents, and affiliates from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any law or regulation
• Your violation of any rights of third parties
• Any false or misleading information you provide

15. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

16. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and NeitClem regarding your use of our services and supersede all prior agreements and understandings.

17. Contact Information

For questions about these Terms or our services, please contact us: