The API is made available to permit you or your organization to directly link its website to the TripExcess Site to apply for and purchase excess liability insurance coverage for members of Spot Excess Purchasing Group, Inc. (the ‎‎“”)‎. Any use of the API that is competitive or inconsistent with the purchase of Insurance is expressly prohibited. We reserve the right to continually review and evaluate all uses of the API. CFIBI reserves the right to request information related to your use of the API and your compliance with these API terms. Failure to respond in a timely and complete manner may result in termination of your right to access and use the API.

We reserve the right to modify or revise these API terms at any time in its sole discretion. Your continued use of the API after the effective date of any such changes will constitute your acceptance of and agreement to such changes. If YOU DO NOT WISH TO BE BOUND TO ANY NEW TERMS, YOU MUST IMMEDIATELY CEASE USING AND ACCESSING THE API.

In order to access or use the API, you must first set up an account in our secure authentication system on our Site and receive an API Token (“”). You must provide complete and accurate information as part of your registration process. You may request multiple Tokens for your organization. You will not share your Tokens with anyone outside your organization and will notify us immediately if a Token is, or you suspect is, lost or compromised.

CFIBI grants you a non-exclusive, revocable, non-sublicensable, non-transferable license to use the API solely within the United States in connection with your website permitting the purchase of Insurance directly through your website. You may not use the API for any other purpose. All rights not expressly granted to you hereunder are fully reserved.

You agree that you will not, and will not assist or enable others to: (a) modify the Insurance or API; (b) create or disclose metrics about, or perform any statistical analysis of, the API; (c) use the API on behalf of any third party; (d) copy, rent, lease, sell, transfer, assign, sublicense, dissemble, reverse engineer or decompile, modify or alter any part of the API; (e) use the API in a manner that impacts the stability of our servers or impacts the behavior of other applications using the API; (f) access the API to make more than 600 requests per minute from a single IP address or referencing the same Token (or exceed any other request limits established by us from time to time in our sole discretion); (g) use the API in any manner or for any purpose that may violate any law or regulation, or any right of any person including, but not limited to, intellectual property rights, rights of privacy and/or rights of publicity, or which otherwise may be harmful (in our sole discretion) to CFIBI, its affiliates, partners, licensors, providers, suppliers, or end users; (g) use the API for any unlawful purpose, or in connection with or to promote any products, services or materials that constitute, promote or are used primarily for the purpose of dealing in spyware, adware and/or other malicious programs or code; unsolicited mass distributions of e-mail (“spam”), direct marketing and/or telemarketing activities, hate materials; libelous, defamatory, obscene, pornographic, abusive or otherwise offensive content; prostitution, fireworks, explosives and/or other hazardous materials.

As between you and CFIBI, the API and all intellectual property rights contained therein are and will at all times remain the sole and exclusive property of CFIBI or its licensors. You acknowledge and agree that the technology embedded in and used to create the API constitutes the valuable trade secrets, intellectual property and know-how of CFIBI and its licensors.

We reserve the right, in our sole discretion (for any reason or for no reason) and at any time without notice to you, to change, suspend or discontinue the API and/or suspend or terminate your right to access and use the API. Any discontinuation of the API will also immediately terminate all the licenses granted to you hereunder. Upon any such discontinuation, you will promptly delete and remove all calls to the API from all web pages, scripts, widgets, applications, and other software in your possession or under your control, and promptly destroy and remove from all computers, hard drives, networks and other storage media all copies of the API.

You agree that your use of the API is solely at your own risk and you agree to hold harmless, defend and indemnify CFIBI and its partners, licensors, subsidiaries, affiliates, and their respective officers, agents, employees and suppliers from and against any and all claims, damages, liabilities, costs and fees (including reasonable attorneys’ fee) arising from, or in any way related to your or your end users’ use or implementation of the API.

CFIBI and you are, and will remain, independent contractors, and nothing in these API terms will be construed as creating an employer-employee, principal-agent, partnership or joint venture relationship. Although you are permitted to make public statements concerning your use of the API, you agree not to make any statements, without the prior written consent of CFIBI, implying a different kind of relationship between you and CFIBI, including any express or implied endorsement of your content, products, or services by us. You do not have any authority of any kind to bind or otherwise act on behalf of CFIBI or any of its affiliates in any respect whatsoever.