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Terms & Conditions

Last Updated July 17,2025

Introduction
Welcome to the OTR Insurance Solutions website (the “Site”), owned and operated by OTR Insurance Solutions and its affiliated entities (“OTR,” “we,” “us,” or “our”). By accessing or using any part of this Site, you agree to comply with and be bound by these Terms and Conditions (“Terms”). If you do not accept these Terms, you should discontinue use of the Site immediately.


Limited License & Site Access
All content on this Site is either owned by or licensed to OTR and is provided for informational purposes regarding our services and offerings. We grant you a limited, non-transferable, and revocable license to access and use the Site for personal, non-commercial purposes.


This license does not permit you to:

  • Download, reproduce, or modify any portion of the Site or its content (except for standard browser caching).

  • Use any material for commercial gain unless explicitly authorized.

  • Create derivative works based on the Site’s content.

  • Collect or use data such as product descriptions or pricing for another business.

  • Frame or embed any OTR branding or content without permission.

  • Use hidden text or metadata incorporating OTR trademarks or branding.

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Privacy
Your use of the Site is subject to our Privacy Policy, which outlines how we collect and use personal data.


Age Restrictions
This Site is intended for users 18 years of age or older. Users under 18 (“Minors”) may only use the Site under the supervision of a parent or legal guardian who agrees to these Terms on their behalf. OTR does not knowingly collect information from children under 13. If such data is discovered, we will remove it promptly.


Intellectual Property
Unless otherwise noted, all content including text, graphics, images, video, software, and the overall design of the Site is the intellectual property of OTR or its licensors. This includes trademarks, service marks, and trade dress. No license or right to use any intellectual property is granted by access to this Site.


The OTR name, logo, and related marks are trademarks of OTR Insurance Solutions. All other trademarks appearing on the Site are the property of their respective owners.


Third-Party Links and Businesses
The Site may contain links to third-party websites or services. OTR is not responsible for the content, accuracy, or practices of these third-party entities. We encourage you to review their respective terms and privacy policies.


Site Security & Restrictions
Users are prohibited from:

  • Accessing accounts or data not intended for them.

  • Testing security systems without authorization.

  • Disrupting service through hacking, spamming, viruses, or overloading.

  • Using bots, scrapers, or automated tools to access or collect data from the Site.

  • Imposing unreasonable traffic burdens on our infrastructure.

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Violating these terms may result in civil or criminal liability and may lead to termination of your access to the Site.


Violations of Terms
Unauthorized use of the Site automatically terminates your granted license. OTR reserves the right to suspend or permanently restrict access to the Site for violations of these Terms, with or without notice.


Credit Card Refunds
If you make a payment via credit card through this Site, you agree to our Refund Policy, which outlines conditions under which refunds may be issued.
Indemnification


You agree to defend, indemnify, and hold harmless OTR, its affiliates, employees, agents, and partners from any claims or liabilities arising from your use of the Site or your breach of these Terms.


Accuracy of Information
OTR strives to keep information accurate and up to date. However, we make no guarantees and accept no responsibility for errors or omissions. Information on this Site may change at any time without prior notice.


Disclaimer of Warranties
THE SITE AND ALL CONTENT, SERVICES, AND PRODUCTS PROVIDED THROUGH IT ARE OFFERED “AS IS” AND “AS AVAILABLE.” OTR DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.


We do not guarantee:

  • That the Site will be uninterrupted or error-free.

  • The accuracy or reliability of any content or services.

  • That the Site or our servers are free of viruses or harmful components.

Your use of the Site is solely at your own risk.


Limitation of Liability
OTR is not liable for any direct, indirect, incidental, special, punitive, or consequential damages arising from your use of the Site, including but not limited to data loss, service interruption, or unauthorized access.
Certain jurisdictions may not allow these exclusions, so some limitations may not apply to you.


No Waiver
Failure to enforce any provision of these Terms does not constitute a waiver of that right or any future rights.


Governing Law & Jurisdiction
These Terms are governed by the laws of the State of Nebraska. Any disputes shall be resolved exclusively in the state or federal courts located in Lancaster County, Nebraska. You agree to submit to the personal jurisdiction of these courts.


If any part of these Terms is found to be invalid, the remaining provisions shall continue in full force and effect.


DMCA Compliance
If you believe any content on the Site infringes your copyright, you may submit a notice under the DMCA. Please include:

  • A physical or electronic signature.

  • A description of the copyrighted work.

  • Identification of the infringing material and its location.

  • Your contact information.

  • A statement of good faith belief and a statement of accuracy under penalty of perjury.

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Notices should be sent to:
OTR Insurance Solutions
Attn: Legal Department
5851 Saltillo Rd. 
Lincoln, NE 68516

jcarr@otrinsurancesolutions.com
You are encouraged to consult legal counsel before submitting a notice.


Changes to These Terms

These Terms were last updated on July 17, 2025. OTR may update them at any time without notice. Continued use of the Site implies your acceptance of any revisions.


Communication & Notices
By using this Site, you consent to receive communications from us via email or other digital means. You may opt out of certain notifications by following the instructions in the message.

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