ELM Insurance Brokers - Fair Use Policy

E.L.M. Insurance Brokers Inc. is providing a free service to you or your client(s) by which you have access to our online applications. Once filled out, the applications will be sent directly to Insurance Company Underwriters who may or may not provide non-bindable indications consistant with that Insurance Company's underwriting guidelines. This free service is provided to you or your client(s) with the express understanding that should you or your client(s) wish to pursue obtaining firm terms and/or eventually purchase the coverage desired, that same will be purchased using the services of E.L.M. Insurance Brokers Inc.

It shall be deemed a violation of our FAIR USE policy if:

1) Indications are obtained by you or your client(s) and then you attempt to deal directly with the Insurance Company providing terms or you use the services of another Intermediary, or

2) Indications obtained by you or your client(s) are used to obtain more competitive terms from another Insurance Co. with little or no attempt to utilize the services of E.L.M. Insurance Brokers Inc. and/or Frederick John Fisher, Insurance Broker to complete the placement process, or

3) Any other activity that, in the opinion of E.L.M. Insurance Brokers Inc. and Frederick John Fisher, Insurance Broker, leads to the conclusion that you or your client(s) are not using the services of our site in good faith consistent with the express understanding noted above.

Any violation(s) of any of the above may result in the termination of your privilege to continue using our Website.

In addition, by registering as a user at our site, you also acknowledges that new Privacy and Communication laws exist and/or may be enacted in the future limiting or prohibiting fax, email or other electronic means in which to communicate without prior written permission to do so. Specifically, the FCC has amended the Telephone Consumer Protection Act of 1991 pursuant to FCC regulation 64.1200. You EXPRESSLY authorize us to use any such fax, email, or other electronic means to communicate with you for all types of communication, including but not limited to, advertising new Insurance Products or any communication specific to the business relationship which is the subject of this agreement.

<table cellspacing="0" cellpadding="0" width="100%" border="0">
    <tbody>
        <tr>
            <td class="text">E.L.M. Insurance Brokers Inc. is providing a free service to you or your client(s) by which you have access to our online applications. Once filled out, the applications will be sent directly to Insurance Company Underwriters who may or may not provide non-bindable indications consistant with that Insurance Company's underwriting guidelines. This free service is provided to you or your client(s) with the express understanding that should you or your client(s) wish to pursue obtaining firm terms and/or eventually purchase the coverage desired, that same will be purchased using the services of E.L.M. Insurance Brokers Inc. <br />
            <br />
            <br />
            <br />
            It shall be deemed a violation of our FAIR USE policy if:<br />
            <br />
            1) Indications are obtained by you or your client(s) and then you attempt to deal directly with the Insurance Company providing terms or you use the services of another Intermediary, or<br />
            <br />
            2) Indications obtained by you or your client(s) are used to obtain more competitive terms from another Insurance Co. with little or no attempt to utilize the services of E.L.M. Insurance Brokers Inc. and/or Frederick John Fisher, Insurance Broker to complete the placement process, or<br />
            <br />
            3) Any other activity that, in the opinion of E.L.M. Insurance Brokers Inc. and Frederick John Fisher, Insurance Broker, leads to the conclusion that you or your client(s) are not using the services of our site in good faith consistent with the express understanding noted above.<br />
            <br />
            Any violation(s) of any of the above may result in the termination of your privilege to continue using our Website.<br />
            <br />
            In addition, by registering as a user at our site, you also acknowledges that new Privacy and Communication laws exist and/or may be enacted in the future limiting or prohibiting fax, email or other electronic means in which to communicate without prior written permission to do so. Specifically, the FCC has amended the Telephone Consumer Protection Act of 1991 pursuant to FCC regulation 64.1200. You EXPRESSLY authorize us to use any such fax, email, or other electronic means to communicate with you for all types of communication, including but not limited to, advertising new Insurance Products or any communication specific to the business relationship which is the subject of this agreement.</td>
        </tr>
    </tbody>
</table>