Effective Date: 4/28/2025
Kerper Bowron (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and share your personal information when you visit our website https://kerper-bowron.com, submit a form, or interact with us through marketing communications.
We collect personal information you voluntarily submit through forms on our website, including but not limited to
When you visit our website, we use tools like Google Analytics to automatically collect information such as:
This data helps us improve our site performance and user experience.
We use your information to:
We may share your information with trusted third parties, including:
We do not sell your personal information.
We use cookies and similar tracking technologies to:
You can control cookies through your browser settings. For more information, visit www.allaboutcookies.org.
If you opt in to receive communications from us, we may send you occasional updates and marketing content. You can opt out at any time by clicking the “unsubscribe” link in our emails.
We retain personal information only as long as necessary for the purposes described in this policy, or as required by law.
As a U.S.-based business, we comply with applicable federal and state laws. If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including:
To exercise your rights, please contact us at: kb@kerper-bowron.com
We implement reasonable technical and organizational measures to protect your personal data. However, no online transmission or storage system is ever completely secure, so we encourage caution when submitting sensitive information.
Our website may link to third-party websites. We are not responsible for the privacy practices or content of those sites.
Our website is not intended for children under 13, and we do not knowingly collect personal information from children.
We may update this Privacy Policy from time to time. When we do, we will revise the “Effective Date” at the top of this page. We encourage you to review this page periodically.
Terms of Use
These Terms of Use govern your access to and use of the Site, including all content,
features, and services (e.g., resources on actuarial consulting, vehicle service contracts,
and dealer reinsurance). By using the Site, you confirm you are at least 18 years old
and agree to these Terms. If using on behalf of an entity, you represent authority to bind
it.
You may use the Site for lawful purposes only, such as:
Accessing information on our services (e.g., reinsurance accounting, valuations,
expert testimony).
Contacting us via forms.
Downloading publicly available resources (if any).
Prohibited uses include:
Copying, distributing, or modifying content without permission.
Using automated tools (e.g., scrapers) to extract data.
Transmitting harmful code (e.g., viruses).
Interfering with Site operation.
Violating laws or third-party rights.
The Site and its content (e.g., text, graphics, logos, the “Kerper Bowron Method”) are
owned by Kerper Bowron or licensors and protected by US, Canadian, UK, and EU
copyright, trademark, and other laws. You may not reproduce, distribute, or create
derivatives without written consent. Fair use (e.g., for personal, non-commercial
research) is permitted under applicable laws (e.g., US Copyright Act §107, EU InfoSoc
Directive).Trademarks (e.g., “Kerper-Bowron”) may not be used without permission.
If you submit content (e.g., via contact forms or comments), you grant us a perpetual,
royalty-free, worldwide license to use, modify, and distribute it. You represent that your
content does not infringe third-party rights and is not defamatory. We may moderate or
remove content at our discretion.
The Site may link to third-party sites (e.g., Google Analytics). We are not responsible for
their content, privacy practices, or availability. Use at your own risk.
THE SITE AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT
WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-
INFRINGEMENT. We do not guarantee accuracy, completeness, or timeliness of
information (e.g., on actuarial services or market projections). Consult professionals for
advice; this Site is informational only.
TO THE FULLEST EXTENT PERMITTED BY LAW, KERPER-BOWRON SHALL NOT
BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR
PUNITIVE DAMAGES (INCLUDING LOST PROFITS, DATA LOSS, OR BUSINESS
INTERRUPTION) ARISING FROM SITE USE, EVEN IF ADVISED OF
POSSIBILITY.US/CA: Liability capped at $100 or actual fees paid (if any). CCPA: We
are not liable for data breaches beyond reasonable care.EU/UK/Canada: Liability limited
to direct damages; excluded for indirect unless caused by gross negligence or willful
misconduct. GDPR/UK GDPR/PIPEDA: We process data lawfully and securely .Some
jurisdictions do not allow exclusions, so limits may not apply.
You agree to indemnify and hold Kerper-Bowron harmless from claims arising from your
use of the Site or violation of these Terms.
These Terms are governed by the laws of the State of Alabama, USA, without regard to
conflict of laws principles.
US/Canada Users: Disputes resolved in Alabama state or federal courts
(Birmingham venue). You waive jury trial rights.
EU/UK Users: For GDPR/UK GDPR matters, you may use EU/UK dispute
mechanisms (e.g., ICO complaints). Other disputes via binding arbitration under
American Arbitration Association rules, or courts in Birmingham, AL, if arbitration
unenforceable.
We encourage informal resolution first (contact us).
Our Privacy Policy (linked in footer) details data handling, integrated with these Terms. It
complies with GDPR, UK GDPR, CCPA, and PIPEDA.
Severability: Invalid provisions do not affect others.
Waiver: No waiver unless written.
Entire Agreement: These Terms supersede prior agreements.
Force Majeure: We are not liable for delays due to events beyond control (e.g.,
natural disasters).
Export Controls: Comply with US export laws.
Kerper and Bowron LLC
600 University Park Place, Suite 310
Birmingham, Alabama 35209
Email : kb@kerper-bowron.com
Phone: 205-588-4028
By using the Site, you acknowledge reading and agreeing to these Policies. Last
Updated: October 27, 2025.
