Preserving Fire Insurance History Since 1972

Terms of Service

Effective Date: October 16, 2025

1. Acceptance of Terms

By accessing and using the Fire Mark Circle of Americas website (the "Site"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

2. Membership

Membership in the Fire Mark Circle of Americas is subject to the following terms:

  • All memberships expire on December 31 of each calendar year
  • Members joining on or after July 1 receive the following year free
  • Membership fees are non-refundable
  • Members must provide accurate and current information
  • We reserve the right to deny or revoke membership at our discretion

3. User Accounts

When you create an account on our Site:

  • You are responsible for maintaining the confidentiality of your account credentials
  • You are responsible for all activities that occur under your account
  • You must notify us immediately of any unauthorized use of your account
  • You may not use another person's account without permission

4. Auctions

Participation in our auctions is subject to the following:

  • All auction results are final
  • Auction descriptions and images are provided for informational purposes and may not be fully accurate
  • We are not responsible for errors or omissions in auction listings
  • Payment and shipping terms are determined for each auction

5. Intellectual Property

All content on this Site, including text, images, logos, and graphics, is the property of the Fire Mark Circle of Americas or its content suppliers and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without express written permission.

6. User Conduct

You agree not to:

  • Use the Site for any unlawful purpose
  • Attempt to gain unauthorized access to any portion of the Site
  • Interfere with or disrupt the Site or servers connected to the Site
  • Upload or transmit viruses, malware, or other harmful code
  • Harass, abuse, or harm other users
  • Impersonate any person or entity

7. Disclaimer of Warranties

The Site and all content are provided "as is" without warranties of any kind, either express or implied. We do not warrant that:

  • The Site will be uninterrupted or error-free
  • Defects will be corrected
  • The Site is free of viruses or other harmful components
  • The information provided is accurate, complete, or current

8. Limitation of Liability

To the fullest extent permitted by law, the Fire Mark Circle of Americas shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Site.

9. Links to Third-Party Sites

Our Site may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these external sites.

10. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site following any changes constitutes acceptance of the new terms.

11. Termination

We reserve the right to terminate or suspend your account and access to the Site at our sole discretion, without notice, for conduct that we believe violates these Terms of Service or is harmful to other users, us, or third parties.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

13. Contact Information

If you have any questions about these Terms of Service, please contact us:

Fire Mark Circle of Americas

Email: info@firemarkcircle.org

Website: https://firemarkcircle.org