Please remember that information posted on any of our social media platforms should not be considered insurance advice and should not replace a discussion with a licensed insurance professional. For any questions regarding a publication please reach out to a Scirocco Group Representative.

Coverage may not be bound, changed, or confirmed by voicemail, e-mail or social networking. Questions relating to specific coverage should be discussed using the agency’s regular workflows. Please contact a licensed representative directly.

The term “publication” includes but is not limited to posts, tweets, blogging, and other forms of electronic writings, comments, statements on social media sites and platforms.


1) General Information

Informational statements regarding insurance coverage are for general informational purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. Each and every publication does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

You understand that, except for information, products or services clearly identified as being supplied by Scirocco Group, Scirocco Group does not operate, control or endorse any information, products or services on the Internet in any way. Except for Scirocco Group- identified information, products or services, all information, products and services offered through the publication or on the Internet generally are offered by third parties, that are not affiliated with Scirocco Group. You also understand that Scirocco Group cannot and does not guarantee or warrant that files available for downloading through the Publication or third party website will be free of infection or viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the publication for the reconstruction of any lost data.


2) LIMITATION OF LIABILITY

BY ACCESSING THE PUBLICATION YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE PUBLICATION AND THE INTERNET. Scirocco Group PROVIDES THE PUBLICATION AND RELATED INFORMATION “AS IS” AND DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER (INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE OR NONINFRINGEMENT, OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE) WITH REGARD TO THE PUBLICATION, ANY MERCHANDISE INFORMATION OR SERVICE PROVIDED THROUGH THE PUBLICATION OR ON THE INTERNET GENERALLY, AND Scirocco Group SHALL NOT BE LIABLE FOR ANY COST OR DAMAGE ARISING EITHER DIRECTLY OR INDIRECTLY FROM ANY SUCH TRANSACTION. IT IS SOLELY YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ALL OPINIONS, ADVICE, SERVICES, MERCHANDISE AND OTHER INFORMATION PROVIDED THROUGH THE PUBLICATION OR ON THE INTERNET GENERALLY. Scirocco Group DOES NOT WARRANT THAT THE PUBLICATION WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT DEFECTS IN THE PUBLICATION WILL BE CORRECTED.
YOU UNDERSTAND FURTHER THAT THE PURE NATURE OF THE INTERNET CONTAINS UNEDITED MATERIALS SOME OF WHICH ARE SEXUALLY EXPLICIT OR MAY BE OFFENSIVE TO YOU. YOUR ACCESS TO SUCH MATERIALS IS AT YOUR RISK. Scirocco Group HAS NO CONTROL OVER AND ACCEPTS NO RESPONSIBILITY WHATSOEVER FOR SUCH MATERIALS.

IN NO EVENT WILL Scirocco Group BE LIABLE FOR (I) ANY INCIDENTAL, CONSEQUENTIAL, OR INDIRECT DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE) ARISING OUT OF THE USE OF OR INABILITY TO USE THE PUBLICATION, OR ANY INFORMATION, OR TRANSACTIONS PROVIDED ON THE PUBLICATION OR THIRD PARTY WEBSITE, OR DOWNLOADED FROM THE PUBLICATION OR THIRD PARTY WEBSITE, OR ANY DELAY OF SUCH INFORMATION OR SERVICE. EVEN IF Scirocco Group OR ITS AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE PUBLICATION AND/OR MATERIALS OR INFORMATION DOWNLOADED THROUGH THE PUBLICATION. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, Scirocco Group LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

Scirocco Group makes no representations whatsoever about any other web site which you may access through a publication or which may link to this Site. When you access a non-Scirocco Group web site, please understand that it is independent from Scirocco Group, and that Scirocco Group has no control over the content on that web site. In addition, a link to a Scirocco Group web site does not mean that Scirocco Group endorses or accepts any responsibility for the content, or the use, of such web site.

The statements and opinions expressed in publications are those of the author and do not necessarily reflect those of the company or any of its employees or agents. The company does not take any responsibility for the views of the author.


3) Reasonable effort to monitor and moderate content

We do make reasonable efforts to monitor participation to ensure that you stay on topic, are courteous and avoid making offensive comments.

Information or “following” should not be considered an endorsement for the respective person, brand, or concept.

Please be aware that once you post something online, there is the potential for many people to read your words, even years from now. As a result, we suggest that you exercise caution when posting insurance information on any of our social media sites and that you not disclose personal and confidential information.

The opinions and/or views expressed on Scirocco Group’s social media platforms, including, but not limited to, Facebook, Twitter, YouTube, LinkedIn, and blog pages, represent the thoughts of individual bloggers, social media managers, and online communities, and not those necessarily of Scirocco Group or any of its employees or any of their respective directors, officers, agents, affiliates or contractors.

The opinions and views expressed on these publications do not in any way reflect the views of the site they are posted on, other sites affiliated with the site, the staff involved with maintaining the site or any members of the site.

While Scirocco Group makes reasonable efforts to monitor and/or moderate content posted on its social media platforms, we do not moderate all comments and cannot always respond in a timely manner to online requests for information.

Scirocco Group reserves the sole right to review, edit and/or delete any comments it deems are inappropriate. Comments including, but not limited to, the following may be deleted or edited by the moderators:

• Abusive or hurtful comments about a blogger or another participant

• Off-topic and redundant comments (this includes promotion of events, groups, pages, Web sites, organizations and programs not related to or affiliated with the respective topic)

• Comments that use foul language or “hate speech” (for example, including but not limited to racial, ethnic or gender bashing language)

• Personal attacks or defamatory statements or comments (i.e., making negative personal or untrue comments about a participant), instead of constructive criticism of his/her posting, opinion or comments

• Comments that violate the privacy of our clients and their families

All links to other Web sites found linked from Scirocco Group’s social media sites are provided as a service to readers, but such linkage does not constitute endorsement of those sites by Scirocco Group, and as such we are not responsible for the content of external websites.

By submitting content to any of Scirocco Group’s social media sites, you understand and acknowledge that this information is available to the public. Please note that other participants may use your posted information beyond the control of Scirocco Group. If you do not wish to have the information you have made available via a social media site used, published, copied and/or reprinted, please do not post on our pages.

You agree to grant to Scirocco Group a non-exclusive, royalty-free, worldwide, perpetual license, with the right to sub-license, to reproduce, distribute, transmit, create derivative works of, publicly display and publicly perform any materials and other information (including, without limitation, ideas contained therein for new or improved products and services) you submit to any public areas of the Scirocco Group’s social media sites (such as bulletin boards, forums and newsgroups) or by e-mail to Scirocco Group by all means and in any media now known or hereafter developed. You also grant to Scirocco Group the right to use your name in connection with the submitted materials and other information as well as in connection with all advertising, marketing and promotional material related thereto. You agree that you shall have no recourse against Scirocco Group for any alleged or actual infringement or misappropriation of any proprietary right in your communications to Scirocco Group.

You may not use Scirocco Group’s copyrights, logos or trademarks as a part of your postings, including in your identity on a site, unless you are approved to do so.


4) Indemnification

By accessing any of Scirocco Group’s publications you agree to indemnify, defend and hold harmless Scirocco Group, its officers, directors, employees, agents, licensors, suppliers and any third party information providers to the publication from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any negligent or wrongful conduct by you or any other person accessing the Publication.