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Please read these Terms and Conditions of Use ("Terms of Use") carefully before using this Web site.

Your use of this site is expressly conditioned on your acceptance of these Terms of Use. If you do not agree with any part of the Terms of Use, you must not use this site.

Velox Insurance (hereinafter referred to as "Velox") reserves the right to modify the Terms of Use at any time. Continued use of this site by you will constitute your acceptance of any revisions to the Terms of Use. Please check this page regularly.

Velox Intellectual Property Rights

Except where otherwise indicated, all materials contained in this Web site are the copyrighted property of Velox. The Velox® logo, the terms Velox Insurance, GoVelox, Velox and all other service marks or registered trademarks, including, but not limited to, 1-855-GoVelox and the names of various products and services described within and offered by Velox Insurance are the intellectual property of Velox Insurance. Velox reserves all rights to its intellectual property. You are not authorized to use any portion of this site or any other Velox intellectual property on any other site without our written permission.

Your Use of Our Site

The material provided on the Velox web site, including the information and any images incorporated in the site, is for your private non-commercial use only. You may not modify, republish, post or transmit anything you obtain from this web site, including anything you download from the site, unless you first obtain our written permission. We request that you not create any kind of hyperlink from any other site to ours unless you first obtain our permission.

Permission is granted to use, copy and distribute these materials as presented in this web site and without alteration for private non-commercial purposes only; provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.

You shall not use any portion of this Web site, or any other intellectual property of Velox (including, but not limited to Velox service marks), on any other web site, in the source code of any other Web site, or in any other printed or electronic materials without our prior written permission. You shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this web site's content or frame this Web site within any other Web site without our prior written permission. You shall not systematically retrieve data or other content from this site without our prior written permission. You shall not link from another web site to any page in this Web site without our prior written permission.

You may not use this site to engage in any illegal activity. You may not use this site to engage in conduct that is libelous, defamatory or threatening. Any information you provide through this site must be truthful and correct.

You are not authorized to send numerous unsolicited commercial e-mail messages to any e-mail addresses at @veloxinsurance.com. Velox reserves the right to take actions as may be necessary to prevent misuse of its e-mail system by unauthorized users.

Account Information and Password Protection

In order to prevent unauthorized access to your account and to prevent unauthorized use of Velox online, you agree to protect and keep confidential your password or other means of accessing your account.

We reserve the right to terminate, suspend or limit your access to Velox online at any time without prior notice.

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It is very important that you read the next two sections carefully.

Damages

TO THE EXTENT PERMITTED BY LAW, VELOX WILL NOT BE RESPONSIBLE FOR ANY DAMAGES (INCLUDING, BUT NOT LIMITED TO, INDIRECT, DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES), INJURIES OR LIABILITY OF ANY KIND WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, THAT ACCOMPANY OR RESULT FROM YOUR USE OF ITS SITES. THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES, INJURY OR LIABILITY CAUSED BY ANY: (1) PERFORMANCE FAILURE; (2)USE OR INABILITY TO USE THE SITES; (3) USE OR INABILITY TO USE ANY SITE TO WHICH YOU HYPERLINK FROM OUR SITES; (4) ERROR; (5) OMISSION; (6) INTERRUPTION OF SERVICE; (7) DEFECT; (8) DELAY IN OPERATION OR TRANSMISSION; (9) COMPUTER VIRUS; OR (10) LINE FAILURE. WE ARE NOT LIABLE EVEN IF WE HAVE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES -- OR BOTH.

HOWEVER, IN CERTAIN STATES WHERE THE LAW MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY, THE ABOVE LIMITATION MAY NOT APPLY AND YOU MAY HAVE THE RIGHT TO RECOVER THESE TYPES OF DAMAGES. IN ANY EVENT, OUR LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, INJURIES AND CLAIMS OF ANY KIND, WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, OR THEY ARE CLAIMED TO BE CAUSED BY NEGLIGENCE OR OTHER WRONGFUL CONDUCT OR ANY OTHER LEGAL THEORY, WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITES.

Warranties Disclaimer

THE MATERIAL ON OUR SITES IS PROVIDED AS IS. THIS MEANS THAT VELOX DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN THE SITES. THIS INCLUDES, BUT IS NOT LIMITED TO, WARRANTIES: (1) THAT THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) THAT DEFECTS WILL BE CORRECTED; (4) THAT OUR SITES, OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (4) THAT INFORMATION CONTAINED IN THE SITES IS ACCURATE AS OF ANY PARTICULAR DATE. ANY RISK ARISING OUT OF USE OR PERFORMANCE OF THE INFORMATION, SERVICES, MATERIALS, SOFTWARE OR OTHER ITEMS REMAINS ENTIRELY WITH YOU.

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Links to/from Other Web Sites

For your convenience, we sometimes provide access to other World Wide Web sites from our site or you may have reached our site from another site. However, we do not endorse or approve any products or information offered to you at sites you may reach from our sites or from which you may have reached our site. The Uniform Resource Locator (URL) address in your web browser will tell you if you are still in the Velox site or have moved elsewhere.

Availability of Our Products and Services to You

By providing material on our Web site Velox does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer. Velox is entitled to terminate all or part of any of its Web sites at any time, without notice to you.

Unless otherwise specified, the materials in our site are presented to provide information about Velox, and our insurance products and the insurance business. Velox operates and controls its site from the Company's headquarters in Marietta, Georgia, in the United States of America, and Georgia law shall govern and control any action concerning the Velox site. We do not in any way imply that the materials on the sites or the products we discuss are available or for use outside the United States or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction.

By submitting a request for a rate quote you agree to the terms and conditions of this license agreement. This agreement is effective until terminated by either party. You may terminate this agreement at any time and without notice to Velox by destroying all materials you have obtained from the Velox site, together with all related documentation and all copies, if any. Velox may terminate this agreement at any time and without notice to you if, in our sole judgment, you breach any term or condition of this agreement. Upon termination, you must destroy any and all materials you have obtained from the Velox site.

Miscellaneous

These Terms and Conditions, and the agreement they create, shall be governed by and interpreted according to the laws of the State of Georgia, without giving effect to Georgia's conflict of laws principles.

If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.

Velox may modify these Terms and Conditions, and the agreement they create, at any time, simply by updating this posting or the information on its web site and without notice to you.

This is the entire agreement regarding all the matters that have been discussed in the preceding paragraphs.

The information and descriptions contained in this web site are intended as general information and are not necessarily complete descriptions of all terms, exclusions and conditions applicable to the products and services offered by Velox. The insurance coverage afforded by Velox is subject to the terms and conditions of the policies issued.

Product availability varies by state and your individual circumstances, including, but not limited to, the following:

•Velox only offers auto insurance rates in Georgia.

•Velox does not provide an auto quote if you have more than four drivers and/or four vehicles.

This site contains links to other Internet Web sites ("Third-party Sites") that are not maintained by Velox. These links are provided solely for your convenience. Velox makes no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third-party Sites. We recommend that you take the time to read the privacy policies and user agreements of these sites.

Some portions of this site are restricted and require a user identification code ("User ID") and a password for access. Unauthorized use of or access of such sites is strictly prohibited.

In accessing the portions of the Velox site requiring a User ID and password, you agree that:

•Velox is entitled to act on instructions received under your User ID and password.

•Velox is not liable for any unauthorized access to your personal information that is not the direct result of gross negligence or intentional misconduct on the part of Velox.

•You will keep your password confidential and you will notify Velox immediately if you believe someone else has obtained your User ID and password or any unauthorized access to your on-line account has occurred or may occur.

•Velox may block access to your on-line account without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons.

The content and materials in this site are provided "as is" and without representations or warranties of any kind, either express or implied. Velox expressly disclaims all warranties, express or implied, with respect to this site including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement. Velox does not warrant or represent that the functions or operation of this site will be uninterrupted or error-free, that defects will be corrected, or that this site, its servers or any e-mail sent from Velox are free of viruses or other harmful components. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.

Velox shall not be liable for any injury, loss, claim, or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, which arises out of (a) the use of, or inability to use, this site or content found in this site, or (b) unless resulting from the gross negligence or intentional actions of Velox, the unauthorized access to or alteration of your transmissions or data, even if Velox has been advised of the possibility of such damages. Some states do not allow the exclusion of liability for certain damages, so the foregoing exclusions or limitations may not apply to you.

Use of this site shall be governed by and construed in accordance with the laws of the State of Georgia without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Fulton County, Georgia.

Should any provision of these Terms of Use be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

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