Universal Service Agency

R & P Surety, LLC d/b/a Universal Service Agency

Terms And Conditions Of Use Of Website And Services

Current as of 2023

Background

1. This terms and conditions of use of website and services agreement (“Terms of Use”) is a legal agreement between you as a visitor (“you”, “your”) to www.universalbonds.com (the “Site”) and the owner of the Site, R & P Surety, LLC d/b/a Universal Service Agency (collectively “Universal”, “us”, “we”, “our”), and it provides the rules for you visiting the Site. By visiting the Site and/or utilizing any service provided on the Site including, but not limited to, submitting an application for a bond (collectively “Services”), you agree to be bound by these Terms of Use. If you do not do not agree to these Terms of Use please do not use the Site or our Services. The Privacy Policy for the Site is incorporated into, and subject to, these Terms of Use and can be found here and any capitalized terms not herein defined shall have the meaning ascribed to them in the Privacy Policy.

Limitations of Liability and Indemnification

1. By visiting the Site and/or utilizing the Services provided by the Site, you agree that in no event will Universal, our parent company, their respective affiliates, subsidiaries, or owners, members, officers, directors, employees, agents, licensees, licensors, developers, web hosting services, or any other entity connected to the foregoing or the Site (“Indemnified Parties”) be liable for any direct or indirect, incidental, special, consequential or any other damages whatsoever as a result of you visiting the Site and/or utilizing the Services.
2. You agree to indemnify, defend, and hold harmless the Indemnified Parties for any losses, costs, liabilities, damages, judgments, and expenses (including but not limited to court costs, attorneys’ fees, awards or settlements) relating to or arising out of your use of the Site and/or the Services, including any breach by you of these Terms of Use and any claims brought by any third parties emanating from your use of the Site and/or the Services including, but not limited to, claims regarding Personal Information you submit in the Application on behalf of the Applicant and the Applicant’s owner(s) and spouse(s) and any consent(s) you provide on their behalf including, but not limited to, your authorization for Universal to obtain consumer reports on you, your spouse and/or the Applicant’s owner(s) and spouse(s).

Your Use of The Site

1. Voluntary Visit. You understand and agree that your decision to visit the Site and utilize the Services are voluntary and that the Site contains material that is owned by or licensed to Universal.
2. Violation of Laws. You shall not visit the Site and/or utilize the Services in violation of any applicable federal, state, municipal or local laws, rules, and regulations.
3. Altering The Site. You shall not alter the Site, access thereto, the performance thereof, or take any other action that might impact, directly or indirectly, the foregoing.
4. External Links. The Site may, from time to time, include links to external websites which are for informational purposes only and shall not be considered an endorsement by us of the external websites or the contents thereof and Universal shall not be obligated to maintain or update any such external links.
5. Right To Monitor. Universal reserves the right, but is not obligated, to monitor visitors use of the Site. Notwithstanding the foregoing, you remain solely responsible for your use of the Services and any information contained on or submitted to the Site.
6. Accuracy of Information. You certify that any information you provide to us, including but not limited to that contained in the Application or for other Services on the Site, will be accurate at the time made and will include any additional information necessary to make it not misleading.
7. You represent that you are legally authorized to submit the Application on behalf the Applicant and are legally permitted to disclose the Personal Information of the Applicant’s owner(s) and spouse(s).
8. No Reliance. The contents of the Site are for informational purposes only, not an offer or guarantee of a certain product or result and any opinions, advice, statements or other contents of the Site should not be relied upon and are not to be construed as professional advice from us and we do not guarantee the accuracy or completeness of any of the information provided, and are not responsible for any loss resulting from your reliance on such information.

Information

1. All information obtained by us from your use of the Site and/or Services will be treated in accordance with Universal’s Privacy Policy which can be found here.

Proprietary Rights

1. Universal Marks. Universal owns and retains all right, title, and interest in and to the proprietary rights to the Site and the Services not retained by other parties and licensed to Universal including, but not limited to, all trademarks, trade names, service marks, and copyrights of Universal in accordance with applicable law (collectively the “Marks”).
2. Protection of Marks. No right to the Marks is granted under these Terms of Use and you shall not, or assist anyone else to, reproduce, transmit, or distribute in any way the Marks or any part of or access to the Site for any reason whatsoever unless approved in writing by Universal.

No Warranties

1. Disclaimer of Any Warranties. Universal provides the Site and the Services on an “AS-IS” basis and Universal does not make any warranty whether express, implied, limited, or otherwise in any manner with respect to the Site and the Services. In addition to the foregoing, Universal specifically, does not warrant that the Site and the Services will always be available, be uninterrupted, be error free, meet your requirements, produce a certain product or result, or that any defects with the Site or Services will be corrected.

• Miscellaneous

Acceptance of Terms. Before using the Site, you acknowledge and agree that you are responsible to review these Terms of Use and our Privacy Policy. By using the Site you accept these Terms of Use and our Privacy Policy. If you do not do not agree to these Terms of Use and our Privacy Policy please do not use the Site or our Services.

1. Alterations to Terms of Use and Privacy Policy. Universal, in its sole discretion, may alter any requirements of these Terms of Use and our Privacy Policy from time to time and the date of the last update for these Terms of Use and Privacy Policy will be posted at the top of the respective pages. Your continued use of the Site or the Services after any updates shall constitute your acceptance thereof.
2. Alterations to Site. Universal, in its sole discretion, may alter the Site and/or the Services from time to time with or without notice.
3. If you are a minor, please do not utilize the Site, the Services, or provide any Personal Information.
4. These Terms of Use shall be enforced, governed by, and construed in accordance with the laws of the Commonwealth of Pennsylvania, excluding any choice of law principles. You agree that the exclusive forum for any disputes arising out of or related to these Terms of Use shall be the courts of the Commonwealth of Pennsylvania in and for Chester County and that the venue of any action brought in federal court will be the applicable Federal Judicial District for residents of Chester County, Pennsylvania.
5. In the event any provision of these Terms of Use is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions of these Terms of Use shall nevertheless be binding upon you with the same effect as though the void or unenforceable part had been severed and deleted.
6. No failure on Universal’s part to exercise, and no delay in exercising, any right hereunder shall operate as a waiver of such right, nor shall any single or partial exercise of such right preclude any other further exercise thereof or the exercise of any other right.
7. Entire Agreement. These Terms of Use and the Privacy Policy incorporated herein by reference shall constitute your entire agreement with Universal with respect to your use of the Site and/or the Services.
8. Contacting Universal. If you have any questions about these Terms of Use, please contact us as follows:

Address:      
595 E. Swedesford Road, Suite 350
Wayne, PA 19087 

Phone:            
800-646-2401