The materials provided on this website, including the information and any images are for your personal private non-commercial use only. You may not modify, republish, post or transmit anything you obtain from this website, including anything you download from the site, unless you first obtain our consent. You agree not to engage in systematic retrieval of data or other content from our website. We request that you not create any kind of hyperlink from any other site to ours unless you first obtain our permission.

Moylan's Insurance Underwriters, Inc. will not be responsible for any damages or injuries that accompany or result from your use of its sites. These include (but are not limited to) damages or injury caused by any:

1. Use of (or inability to use) the site
2. Use of (or inability to use) any site to which you hyperlink from its websites
3. Failure of performance
4. Error
5. Ommission
6. Interruption
7. Defect
8. Delay in operation or transmission
9. Computer virus or
10. Line failure

We are not liable for any consequential or incidental damages, which are damages intended to compensate someone directly for a loss or injury, damages reasonably expected to result from a loss or injury, or other miscellaneous damages and expenses resulting directly from a loss or injury. Furthermore, except as provided below, 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 for these incidental or consequential damages, 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.

The material on our site is provided as is. This means that Moylan's Insurance Underwriters, Inc. disclaims all express and implied warranties about the material in the site. This includes, but not limited to, warranties that:

1. 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 site, or the servers that make them available are free of computer viruses or other harmful components or conditions; or
5. That information contained in this site is accurate as of any particular date.

We sometimes provide access to other websites from our website 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 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 Moylan's Insurance website or have moved elsewhere.

By providing material on our website, Moylan's Insurance Underwriters, Inc. does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer. Moylan's Insurance Underwriters, Inc. is entitled to terminate all or part of any of its website at any time, without notice to you.

Unless otherwise specified, the materials in our site are presented to provide information about the Moylan's Insurance Underwriters, Inc., our insurance products and the insurance business. We do not in any way imply that the materials on the site or the products we discuss are available or for use outside Guam or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction.

By using our website, you agree to these terms and conditions of website use.

These terms and conditions of website use, and the agreement they create, shall be governed by and interpreted according to the laws of Guam.

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

Moylan's Insurance Underwriters, Inc. may modify these terms and conditions of website use, and the agreement they create, at any time, simply by updating this posting or the information on its website, without any notice to you.

Moylan's Insurance Underwriters, Inc. and its affiliates insure private passenger automobiles and provide homeowner and other types of insurance for qualified applicants.