Terms of Use
Terms of Use 
These terms and conditions outline  the rules and regulations for the use of this website. 
By accessing this website we assume  you accept these terms and conditions in full. Do not continue to use this  website if you do not accept all of the terms and conditions stated on this  page.
      
The following terminology applies to  these Terms and Conditions, Privacy Statement and Disclaimer Notice, and any or  all Agreements:
      
"Client", "You"  and "Your" refers to you, the person accessing this website and  accepting the Company's terms and conditions.
      
"The Company",  "Ourselves", "We", "Our" and "Us",  refers to our Company.
    
"Party",  "Parties", or "Us", refers to both the Client and  ourselves, or either the Client or ourselves.
    
All terms refer to the offer,  acceptance, and consideration of payment necessary to undertake the process of  our assistance to the Client in the most appropriate manner, whether by formal  meetings of a fixed duration or any other means, for the express purpose of  meeting the Client's needs in respect of the provision of the Company's stated  services/products, in accordance with and subject to, prevailing law of the  USA.
      
Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.
License 
      Unless otherwise stated, we and/or  our licensors own the intellectual property rights for all material on this  website. All intellectual property rights are reserved. You may view and/or  print pages for your own personal use subject to restrictions set in these  terms and conditions.
    You may not:
- Republish material
 - Sell, rent, or sub-license material
 - Reproduce, duplicate or copy material
 - Redistribute content (unless content is specifically made for redistribution).
 
Approved organizations may hyperlink to our Web site as follows:
- By use of our corporate name; or
 - By use of the uniform resource locator (Web address) being linked to; or
 - By use of any other description of our Web site or material being linked to that makes sense within the context and format of content on the linking party's site.
 
               
      No use of our logo or other artwork  will be allowed for linking absent a trademark license agreement.
Reservation of Rights 
      We reserve the right at any time and  in its sole discretion to request that you remove all links or any particular  link to our Web site. You agree to immediately remove all links to our Website  upon such a request.
      
We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuing to link to our Web site, you agree to be bound to and abide by these linking terms and conditions.
Removal of links from our website 
      If you find any link on our Website  or any linked website objectionable for any reason, you may contact us about  this. We will consider requests to remove links but will have no obligation to  do so or to respond directly to you.
    
Whilst we endeavor to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date.
Content Liability 
    We shall have no responsibility or  liability for any content appearing on your Web site. You agree to indemnify  and defend us against all claims arising out of or based upon your Website. No  link(s) may appear on any page on your Website or within any context containing  content or materials that may be interpreted as libelous, obscene or criminal,  or which infringes, otherwise violates, or advocates the infringement or other  violation of, any third party rights.
Disclaimer 
      To the maximum extent permitted by  applicable law, we exclude all representations, warranties, and conditions  relating to our website and the use of this website (including, without  limitation, any warranties implied by law in respect of satisfactory quality,  fitness for purpose, and/or the use of reasonable care and skill). Nothing in  this disclaimer will:
- limit or exclude our or your liability for death or personal injury resulting from negligence;
 - limit or exclude our or your liability for fraud or fraudulent misrepresentation;
 - limit any of our or your liabilities in any way that is not permitted under applicable law; or
 - exclude any of our or your liabilities that may not be excluded under applicable law.
 
The limitations and exclusions of  liability set out in this Section and elsewhere in this disclaimer: (a) are  subject to the preceding paragraph; and (b) govern all liabilities arising  under the disclaimer or in relation to the subject matter of this disclaimer,  including liabilities arising in contract, in tort (including negligence) and  for breach of statutory duty.
      
To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.
Contact Information 
    If you are still looking for more  information you can contact us using the information below:
      Sands Insurance
    1450 SW Vintage Pkwy, Ste 220
Ankeny, IA 50023
(515) 965-2429 

