Terms of Use:

By terms is read as: By your use of this site, you agree to the terms of use.
If you do not agree to these terms of use, then please do not proceed with any use of this site.

Information Provided by You

Byrne - Kim & Associates Insurance Services, Inc., will not use your name or other identifying information or otherwise publicize the fact
that you submitted materials or other information to Byrne - Kim & Associates Insurance Services, Inc., unless:
(1) we ask your permission to use your name; or (2) we first notify you that the materials or other information you submit to a particular
part of this site will be published or otherwise used with your name on it; or (3) we are required to do so by law. However, any
information provided by you to Byrne - Kim & Associates Insurance Services, Inc., including but not limited to feedback, data, questions,
comments, suggestions or the like, shall be deemed to be non-confidential.
Byrne - Kim & Associates Services, Inc., shall have no obligation of any kind with respect to such information and shall be free to
reproduce, use, disclose and distribute the information to others without limitation. Additionally, Byrne - Kim & Associates Insurance
Services, Inc., shall be free to use any ideas, concepts, know-how or techniques contained in such information for any purpose
whatsoever, including but not limited to developing, manufacturing and marketing products incorporating such information.

Disclaimer

Byrne - Kim & Associates Insurance Services, Inc., does not  make any representations about the suitability of the content of this site for
any purpose.  Although Byrne - Kim & Associates Insurance Services, Inc., believes the content to be accurate, complete and current,
Byrne - Kim & Associates Insurance Services, Inc., does not make any warranty as to the accuracy, completeness or currency of the
content. It is your responsibility to verify any information before relying on it.
The content of this site may include technical inaccuracies or typographical errors. From time to time changes are made to the content
herein.
Byrne - Kim & Associates Insurance Services, Inc., may make changes in the products and/or the services described herein. You agree
that your use of the website and services is at your sole risk and acknowledge that the materials made available, including materials in
linked sites directly or indirectly accessible from here, are provided "as is" without warranties of any kind, either express or implied,
including but not limited to all implied warranties of merchantability, fitness for a particular purpose, title, or non-infringement.
You agree that Byrne - Kim & Associates Insurance Services, Inc., shall have no responsibility or liability for: (i) any injury or damages,
whether caused by the negligence of Byrne - Kim & Associates Insurance Services, Inc., its employees, subcontractors, agents,
Suppliers or otherwise arising in connection with the Web site; or (ii) any fault, inaccuracy, omission, delay or any other failure in the
Web site caused by your computer equipment or arising from your use of the Web site Service on such equipment.
Products and services included on the Web site may not be available in all states. The material included in this Web site shall not
constitute an offer to sell insurance or a solicitation of an offer to buy insurance in any state in which such offer, solicitation or sale
would be unlawful.
Agency License #'s  CA - 0E81098,  AZ - 905931,  CO - 299185,  ID - AG157504,  OR - 818820        Copyright © 2008 by Byrne - Kim & Assoc Ins Svcs, Inc.
Note: As stated in our Terms of Service  agreement, descriptions of insurance coverage on this web site are for informational purposes only and may not apply,
or be included on your policy. Please contact us to confirm coverage provided on your insurance policy or policies your are contemplating purchasing
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Your use of this website is subject to the Terms of Use section of this site.