Terms of Use

Terms of Use

Thank you for using coreins.com, owned and operated by Core Risk Managers, LLC as Attorney-in-Fac for Condo Owners Reciprocal Exchange. This is a legally binding contract governing access to and use of coreins.com and the related websites, software and services. In this contract, “we,” “us” or “our” refer to Core Risk Managers, LLC and “CORE Services” means collectively coreins.com and the related websites, software and services. By accessing or using the CORE Services you agree to be bound by the terms of this contract and to fulfill your responsibilities as described in this contract. Moreover, if you access or use the CORE Services on behalf of an organization, then you agree to this contract for that organization and promise that you have the authority to bind that organization to this contract. In that case, “you” and “your” also refer to that organization. You may use the CORE Services only if you have the power and authority to enter into this contract with us and are not prohibited from doing so by any applicable laws. You or the person acting on your behalf (if you are an organization) must be human and at least 18 years of age or older. Access and use of the CORE Services by robots, spiders or other automated means is prohibited. If you do not agree to the terms of this contract or meet the qualifications set forth above, then you must not access or use the CORE Services.

Your Content 

In using the CORE Services, you may provide us with a variety of data. Maintaining the security and integrity of your data is important to us. We will adhere to the highest commercially reasonable standards to prevent unauthorized access to, and loss or corruption of, your data. We will not share your data with anyone except as explained in our Privacy Policy. You consent to the collection, transfer, processing, storage, disclosure and other uses of your data and the other information we gather as described in our Privacy Policy.

You grant to us the permission to perform various functions involving your data, that you may from time to time ask us to perform within the CORE Services. This permission extends to any third parties we use to assist us in providing the CORE Services.

The substance and subject matter of your data is your responsibility. We are not responsible for the accuracy, completeness, appropriateness or legality of your data.

The CORE Services may include links to third-party websites or resources. We do not endorse, and are not responsible for, the availability, accuracy, or content of such external sites or resources, nor for any products or services offered through them. Your use of third-party websites is at your own risk, and we disclaim any liability for unauthorized access or use of your data by such third parties.

Any violation of this contract may result in removal of your data from the CORE Services. We may remove any of your data from the CORE Services at our discretion, for any reason or for no reason at any time without notice to you.

Termination of Access and Use

If you violate the terms of this contract, we may terminate, suspend or modify your access and use of the CORE Services at any time without notice. We may terminate, suspend or modify your access and use of the CORE Services at any time without notice for any reason or for no reason.

Changes to this Contract

We may change the terms of this contract anytime by posting the most current version of this contract at Coreins.com. By accessing or using the CORE Services after we post the revised version, you agree to be bound by the terms of revised contract. If you do not agree to the revised terms, then you must stop accessing or using the CORE Services.

Changes to the CORE Services

We may change, suspend or terminate the CORE Services anytime without notice. If we change the CORE Services in anyway, this contract will apply to those changes as well, including any enhancements, improvements and additional features.

Your Conduct 

You are solely responsible for your conduct while using the CORE Services. We are not responsible in any way for your conduct using the CORE Services.

The CORE Services are made available only for your personal, lawful, non-commercial use in connection with seeking insurance. Use of the Site by a competitor company or other non-consumer third party is prohibited.

Except as expressly mandated by law, you may not, without our prior written permission: (i) link from another website to the Site; (ii) post, transmit, copy, modify, create derivative works from, distribute, sell, or republish anything you obtain or download from the Site; or (iii) engage in systematic retrieval of data or other content from the Site.

Software and Updates

Some CORE Services may require you to download software. We grant to you a limited, nonexclusive, nontransferable, revocable license to use that software, solely for you to access and use the CORE Services. Your license to use the software is automatically and immediately revoked if you violate any of the terms of this contract. We hereby reserve all rights not expressly granted in this contract. The CORE Services may update the software on your device automatically when a new version is available.

Your Responsibilities

  • Provide us with accurate contact and other account related information and update your information promptly when changes occur.
  • Safeguard your password. Do not disclose it to anyone else. You will be responsible for any activity using your account whether or not you authorized the activity. Promptly notify us of any unauthorized use of your account.
  • Be sure you have the necessary rights and permissions to your data and any data you use.
  • Do not use the CORE Services in an unacceptable manner as described in our Unacceptable Use Policy.
  • Do not upload spyware or any malicious software to the CORE Services.
  • Do not reverse engineer or decompile any software accessed through or downloaded from the CORE Services, attempt to do so, or assist anyone else to do so.
  • Do not copy or use any of our trademarks, service marks, trade names, logos, domain names or brand features. Nothing in this contract grants to you any rights in or to such items.
  • Do not copy scripts, graphics or interactive features of the CORE Services.
  • Do not access or search the CORE Services by any means other than our publicly supported interfaces (“scraping,” for example).

Unacceptable Use Policy

You may use the CORE Services for your personal use. Certain uses of the CORE Services, however, are unacceptable. Do not use or attempt to use the CORE Services to perform any of the following acts:

  • probe, scan, or test the vulnerability of any system or network;
  • breach or otherwise circumvent any security or authentication measures;
  • access or use CORE Services to which you are not entitled or invited;
  • hack, or tamper with our computer systems or the computer systems of anyone else;
  • interfere with or disrupt any user, host, or network, for example by sending a virus, overloading, flooding, spamming, or mail-bombing any part of the CORE Services;
  • plant or distribute malware;
  • send altered, deceptive or false source-identifying information, including “spoofing” or “phishing”;
  • impersonate or misrepresent your affiliation with any person or entity;
  • publish or share materials that violate the privacy of others; that advocate racial, ethnic or religious hatred, or that are pornographic, obscene, indecent, vulgar, profane, defamatory, abusive, harassing, threatening, malicious, fraudulent or misleading; or
  • violate the law in any way.

No Rights to CORE Services, Content or Software

Except as specifically stated, this contract grants to you no right, title, or interest in the CORE Services, any content within the CORE Services or any software you may download from the CORE Services.

Important Notices, Disclaimers and Limitations

While every provision of this contract has been carefully considered and included for a specific purpose, certain particularly significant notices are presented in ALL CAPITAL LETTERS to ensure they are clearly visible. Please note that some jurisdictions do not permit the exclusion or limitation of certain warranties or liabilities. As a result, the disclaimers and limitations set forth in this below may not apply to you in whole or in part, depending on your location.

CORE Services Provided “AS-IS”

THE CORE SERVICES ARE PROVIDED “AS IS,” AT YOUR OWN RISK, WITHOUT EXPRESS OR IMPLIED WARRANTY OR CONDITION OF ANY KIND. WE ALSO DISCLAIM ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. We will have no responsibility for any harm to your computer system, loss or corruption of your data or other harm that may result from your access to or use of the CORE Services.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE, OUR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS OR LICENSORS OR OUR AFFILIATED ENTITIES BE LIABLE FOR (I) ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES (INCLUDING LOSS OF USE, DATA, BUSINESS, OR PROFITS), REGARDLESS OF LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN WARNED OF THE POSSIBILITY OF SUCH DAMAGES, AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE; OR (II) AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE CORE SERVICES MORE THAN THE GREATER OF $20 OR THE AMOUNTS PAID BY YOU TO US FOR THE PAST THREE MONTHS OF THE CORE SERVICES FROM WHICH THE LIABILITIES ARISE.

Miscellaneous Legal Provisions

THIS CONTRACT AND THE USE OF THE CORE SERVICES WILL BE GOVERNED BY FLORIDA LAW WITHOUT REGARD TO FLORIDA’S CONFLICTS OF LAWS PRINCIPLES. ALL CLAIMS ARISING OUT OF OR RELATING TO THIS CONTRACT OR THE CORE SERVICES MUST BE LITIGATED EXCLUSIVELY IN THE FEDERAL COURTS IN AND FOR THE MIDDLE DISTRICT OF FLORIDA OR THE STATE COURTS IN AND FOR HILLSBOROUGH COUNTY, FLORIDA, AND YOU AND WE BOTH CONSENT TO VENUE AND PERSONAL JURISDICTION THERE. This contract contains the entire and exclusive understanding between you and us with respect to the CORE Services, and supersedes and replaces any other oral or written contracts, agreements, terms and conditions applicable to the CORE Services. Except for the provisions dealing permissions to third parties and limitations of liability, the terms of this contract are solely for the benefit of you and us and not any third party. Our failure to enforce a provision is not a waiver of our right to do so later. If a provision is found unenforceable the remaining provisions of this contract will remain in full effect, and an enforceable provision will be substituted reflecting our intent as closely as possible. You may not assign this contract or any of your rights or responsibilities in this contract to anyone, and any such attempt is void. We may assign this contract and any rights under this contract to any of our subsidiaries or affiliated entities, or to any successor in interest of any business or portion of a business associated with the CORE Services. This contract does not make you and us legal partners or agents. You and we are independent contractors. This contract shall be interpreted according to its plain meaning, using clear and ordinary English, without reliance on technical legal constructions or interpretive assumptions.