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Terms of Conditions

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Table Of Content

Acceptance of These Term

Welcome to Commercial Trucking Insurance (“Company,” “we,” “our,” or “us“), powered by Dream Assurance Group.

These Terms and Conditions (“Terms“) govern your access to and use of the Commercial Trucking Insurance website, including all webpages, quote request forms, customer portals, communication tools, content, products, and services made available through the website.

By accessing or using this website, requesting an insurance quote, submitting an application, contacting us electronically, enrolling in SMS communications, or otherwise using our services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms.

If you do not agree with these Terms, you must discontinue use of this website immediately.

These Terms constitute a legally binding agreement between you and Commercial Trucking Insurance regarding your use of this website.

Eligibility

You represent and warrant that:

  • You are at least eighteen (18) years of age or the age of majority in your jurisdiction.
  • You possess the legal authority to enter into binding contracts.
  • Any information you submit is accurate, complete, and truthful.
  • You are authorized to request insurance on behalf of yourself, your company, or another party you legally represent.
  • Your use of this website complies with all applicable federal, state, and local laws and regulations.

If you are using this website on behalf of a business entity, you represent that you have authority to bind that organization to these Terms.

About Commercial Trucking Insurance

Commercial Trucking Insurance is an independent insurance brokerage powered by Dream Assurance Group.

We assist individuals and businesses by connecting them with insurance companies and underwriting organizations offering commercial trucking insurance products.

Our services may include:

  • Commercial truck insurance quotes
  • Primary liability insurance
  • Physical damage coverage
  • Cargo insurance
  • General liability insurance
  • Non-trucking liability
  • Trailer interchange coverage
  • Occupational accident coverage
  • Workers’ compensation insurance
  • Commercial umbrella coverage
  • Fleet insurance
  • Certificates of Insurance (COIs)
  • Policy servicing
  • Policy renewals
  • Endorsements
  • Claims assistance
  • Risk management guidance

Commercial Trucking Insurance is not an insurance company.

Insurance policies are issued solely by licensed insurance carriers that independently determine eligibility, pricing, policy terms, exclusions, conditions, and coverage availability.

No Insurance Coverage is Bound

Submitting information through this website does not create insurance coverage.

Specifically:

  • Requesting a quote does not bind coverage.
  • Completing an online form does not create an insurance policy.
  • Sending an email does not create insurance coverage.
  • Leaving a voicemail does not bind insurance.
  • Sending a text message does not bind insurance.
  • Uploading documents does not create coverage.
  • Receiving a quote does not constitute issuance of an insurance policy.

Coverage becomes effective only after:

  • An insurance carrier approves the application;
  • All underwriting requirements have been satisfied;
  • Required premium payments have been received when applicable; and
  • A licensed representative confirms that coverage has been bound or a policy has been issued by the insurance carrier.

Unless expressly confirmed in writing by an authorized representative, you should never assume that insurance coverage is in effect.

Insurance Quotes

Insurance quotes provided through this website are estimates based upon the information available at the time the quote is prepared.

Quotes are:

  • Non-binding;
  • Subject to underwriting review;
  • Subject to verification of information;
  • Subject to changes in carrier guidelines;
  • Subject to inspection reports where applicable;
  • Subject to applicable state regulations; and
  • Subject to withdrawal without notice until coverage has been formally bound.

Premiums, deductibles, limits, eligibility, and available coverage may change following underwriting review or receipt of additional information.

Commercial Trucking Insurance makes no guarantee that any applicant will qualify for insurance or receive coverage at a particular premium.

Commercial Trucking Information

Insurance underwriting for commercial trucking operations requires accurate operational information.

By submitting information through this website, you represent that information relating to your business is accurate, including but not limited to:

  • Business name;
  • DOT Number;
  • MC Number;
  • USDOT registration information;
  • Number of power units;
  • Number of trailers;
  • Years in business;
  • Vehicle Identification Numbers (VINs);
  • Driver information;
  • Driving records;
  • Cargo transported;
  • Operating radius;
  • States of operation;
  • Annual mileage;
  • Prior insurance history;
  • Claims history;
  • Safety records; and
  • Other underwriting information requested by us or an insurance carrier.

Providing inaccurate or incomplete information may:

  • Delay your quote;
  • Result in denial of coverage;
  • Affect premiums;
  • Delay policy issuance;
  • Result in policy cancellation;
  • Result in policy rescission where permitted by law; or
  • Affect claims coverage.

No Professional or Legal Advice

Information provided on this website is intended solely for general informational purposes.

Nothing on this website constitutes:

  • Legal advice;
  • Financial advice;
  • Tax advice;
  • Accounting advice;
  • Regulatory compliance advice;
  • Safety consulting;
  • FMCSA compliance advice; or
  • Professional consulting services.

Insurance recommendations should not be interpreted as legal opinions regarding your compliance with federal or state trucking regulations.

You should consult qualified legal, tax, accounting, safety, or regulatory professionals regarding matters outside the scope of insurance brokerage services.

Licensing and Availability

Commercial Trucking Insurance offers insurance products only in jurisdictions where it is properly licensed or otherwise authorized to conduct business.

Insurance products, policy forms, coverages, premiums, limits, deductibles, underwriting guidelines, and eligibility requirements vary by state and by insurance carrier.

Nothing on this website constitutes an offer to sell insurance in any jurisdiction where we are not licensed or otherwise authorized to conduct business.

Availability of insurance products is subject to applicable state laws and insurance carrier underwriting requirements.

Website Use

You are granted a limited, non-exclusive, revocable license to access and use this website solely for lawful business and personal purposes related to obtaining information about insurance products and services.

You agree to use this website only in accordance with these Terms and all applicable laws.

You may not:

  • Use the website for unlawful purposes;
  • Attempt to gain unauthorized access to our systems;
  • Circumvent website security measures;
  • Introduce viruses, malware, ransomware, or malicious code;
  • Interfere with website operations;
  • Use automated tools to scrape website content without authorization;
  • Reverse engineer website functionality;
  • Attempt to compromise website security;
  • Use false identities or impersonate another person;
  • Submit fraudulent insurance applications;
  • Upload harmful files;
  • Engage in denial-of-service attacks;
  • Misrepresent insurance information; or
  • Use the website in a manner that could damage Commercial Trucking Insurance or its customers.

We reserve the right to suspend or terminate access to users who violate these Terms.

User Accounts and Customer Portals

Certain services may require access to secure customer portals or third-party account management systems.

If access credentials are provided to you, you agree to:

  • Maintain the confidentiality of your username and password;
  • Restrict access to authorized users only;
  • Notify us promptly of unauthorized access;
  • Keep account information current;
  • Log out of secure sessions when appropriate; and
  • Accept responsibility for activities occurring under your account.

Commercial Trucking Insurance is not responsible for losses resulting from your failure to maintain the security of your login credentials.

Electronic Communications

By submitting forms, requesting quotes, providing your email address, or otherwise communicating with Commercial Trucking Insurance electronically, you consent to receive communications from us electronically.

These communications may include:

  • Insurance quote updates;
  • Requests for additional underwriting information;
  • Policy documents;
  • Renewal notices;
  • Billing notifications;
  • Customer service communications;
  • Regulatory notices;
  • Claims assistance communications; and
  • Other communications relating to your insurance needs.

Electronic communications may satisfy any legal requirement that communications be provided in writing where permitted by applicable law.

Accuracy of Information

You agree that all information submitted to Commercial Trucking Insurance is accurate, complete, current, and truthful.

You further agree to promptly notify us if any submitted information changes, including changes relating to:

  • Business operations;
  • Vehicle ownership;
  • Driver information;
  • Operating authority;
  • Insurance history;
  • Contact information; or
  • Other material underwriting information.

Commercial Trucking Insurance is not responsible for delays, denied coverage, inaccurate quotations, or policy issues resulting from incomplete, inaccurate, or outdated information supplied by you.

User Responsibilities

By using this website or requesting insurance services from Commercial Trucking Insurance, you agree to:

  • Provide accurate, complete, and truthful information;
  • Promptly update any material changes to information previously provided;
  • Cooperate with underwriting requests;
  • Respond to requests for additional documentation in a timely manner;
  • Maintain accurate contact information;
  • Review all policy documents upon receipt;
  • Notify us immediately of any errors or discrepancies in policy documents;
  • Maintain all records required by applicable laws and regulations;
  • Comply with all applicable federal, state, and local laws governing your business operations; and
  • Use this website only for lawful purposes.

You acknowledge that failure to provide complete and accurate information may affect underwriting decisions, premium calculations, policy issuance, claims handling, or continued coverage.

Certificates of Insurance (COIs)

Commercial Trucking Insurance may assist policyholders in requesting Certificates of Insurance (“COIs”) for existing insurance policies.

COIs are issued solely to summarize existing insurance coverage and are subject to the terms, conditions, exclusions, endorsements, and limitations of the underlying insurance policy.

A Certificate of Insurance:

  • Does not amend the insurance policy;
  • Does not extend coverage;
  • Does not create additional insured status unless specifically endorsed by the insurance carrier;
  • Does not alter policy limits;
  • Does not modify policy exclusions;
  • Does not guarantee future coverage; and
  • Does not constitute a contract between any certificate holder and Commercial Trucking Insurance.

Commercial Trucking Insurance reserves the right to verify all COI requests before submission to the applicable insurance carrier.

Claims Assistance

Commercial Trucking Insurance may assist policyholders with reporting insurance claims and facilitating communications with insurance carriers.

However:

  • We do not adjust claims;
  • We do not determine claim coverage;
  • We do not authorize claim payments;
  • We do not guarantee claim approval; and
  • Final claim decisions are made solely by the applicable insurance carrier.

Policyholders remain responsible for promptly reporting claims in accordance with their insurance policy requirements.

Failure to timely report a claim may affect coverage.

Third-Party Insurance Carriers

Commercial Trucking Insurance is an independent insurance brokerage and is not the insurer issuing your policy.

Insurance products offered through our website are underwritten by independent insurance companies.

Each insurance carrier independently determines:

  • Eligibility;
  • Premiums;
  • Underwriting guidelines;
  • Policy language;
  • Exclusions;
  • Endorsements;
  • Claims decisions;
  • Policy cancellations;
  • Non-renewals; and
  • Coverage availability.

Commercial Trucking Insurance cannot guarantee approval, policy issuance, renewal, pricing, or claims outcomes.

Third-Party Services

Our website may include services provided by third parties, including but not limited to:

  • Payment processors;
  • Electronic signature providers;
  • CRM platforms;
  • Secure document storage providers;
  • SMS messaging providers;
  • Customer communication platforms;
  • Website analytics providers;
  • Identity verification providers;
  • Insurance carrier portals;
  • Government websites; and
  • Other technology vendors.

Your use of these third-party services may be subject to their own terms of use and privacy policies.

Commercial Trucking Insurance is not responsible for the availability, security, content, or practices of third-party services.

Intellectual Property

All content available on this website, including but not limited to:

  • Text;
  • Graphics;
  • Logos;
  • Icons;
  • Images;
  • Videos;
  • Downloads;
  • Website design;
  • Software;
  • Source code;
  • Databases;
  • Trademarks;
  • Service marks; and
  • Other proprietary materials,

is owned by Commercial Trucking Insurance, Dream Assurance Group, or their respective licensors and is protected by applicable copyright, trademark, trade secret, and intellectual property laws.

Nothing contained on this website grants you ownership of any intellectual property rights.

Limited License

Commercial Trucking Insurance grants you a limited, non-exclusive, revocable, and non-transferable license to access and use this website solely for lawful business purposes related to obtaining information regarding insurance products and services.

You may not:

  • Copy website content;
  • Reproduce materials;
  • Modify content;
  • Sell website materials;
  • Distribute content;
  • Create derivative works;
  • Reverse engineer software;
  • Remove copyright notices;
  • Use automated scraping tools; or
  • Use website content for commercial purposes without prior written permission.

Electronic Signatures and Electronic Records

Where permitted by law, you agree that electronic signatures, electronic acknowledgments, electronic records, and electronic communications satisfy any legal requirement that such documents be in writing or signed.

You consent to receive documents electronically, including:

  • Insurance applications;
  • Quote proposals;
  • Policy documents;
  • Endorsements;
  • Billing notices;
  • Renewal notices;
  • Required disclosures;
  • Customer communications; and
  • Other documents relating to your insurance relationship.

You may request paper copies where required by applicable law.

Privacy

Your use of this website is also governed by our Privacy Policy.

By using this website, you acknowledge that you have reviewed our Privacy Policy and understand how we collect, use, disclose, and safeguard personal information.

In the event of any conflict between these Terms and the Privacy Policy regarding privacy practices, the Privacy Policy shall govern with respect to the handling of personal information.

Marketing Communications

By voluntarily providing your contact information, you authorize Commercial Trucking Insurance to communicate with you regarding:

  • Insurance quotes;
  • Policy servicing;
  • Renewal opportunities;
  • New insurance products;
  • Educational information;
  • Company announcements;
  • Promotional offers;
  • Industry updates; and
  • Other communications related to our services.

Where required by applicable law, we will obtain your consent before sending marketing communications.

You may opt out of promotional emails by clicking the unsubscribe link contained within the email.

Transactional or service-related communications will continue as necessary to administer your insurance relationship.

Marketing Communications

By voluntarily providing your contact information, you authorize Commercial Trucking Insurance to communicate with you regarding:

  • Insurance quotes;
  • Policy servicing;
  • Renewal opportunities;
  • New insurance products;
  • Educational information;
  • Company announcements;
  • Promotional offers;
  • Industry updates; and
  • Other communications related to our services.

Where required by applicable law, we will obtain your consent before sending marketing communications.

You may opt out of promotional emails by clicking the unsubscribe link contained within the email.

Transactional or service-related communications will continue as necessary to administer your insurance relationship.

SMS Terms & Conditions

By opting in to receive text messages from Commercial Trucking Insurance, powered by Dream Assurance Group, you agree to receive informational and marketing text messages at the mobile telephone number you provide.

These text messages may include communications relating to:

  • Insurance quotes;
  • Policy servicing;
  • Renewal reminders;
  • Certificates of Insurance (COIs);
  • Billing reminders;
  • Claims assistance updates;
  • Appointment confirmations;
  • Customer support; and
  • Promotional or marketing communications.

Your consent to receive text messages is not a condition of purchasing any goods or services.

Message Frequency

Message frequency varies depending upon your interactions with Commercial Trucking Insurance but generally ranges from one (1) to four (4) messages per month.

Additional messages may be sent when necessary to respond to customer requests, policy servicing activities, claims, or other insurance-related matters.

Message and Data Rates

Message and data rates may apply according to your wireless carrier’s plan.

Commercial Trucking Insurance is not responsible for any charges imposed by your wireless provider.

Opting Out

You may cancel SMS communications at any time by replying:

STOP

After receiving your STOP request, we will send one confirmation message verifying that you have been unsubscribed.

No additional marketing text messages will be sent unless you provide new consent.

Help

For assistance, reply:

HELP

or contact us at:

Email: info@dreamassurancegroup.com

Telephone: (618) 657-7525

Carrier Disclaimer

Wireless carriers are not responsible for delayed or undelivered messages.

Mobile Privacy

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Text messaging originator opt-in data and consent will not be shared with any third parties.

We may share your mobile number only with service providers acting on our behalf for the sole purpose of delivering SMS communications or maintaining our messaging platform.

Such providers are contractually obligated to safeguard your information.

Consent to Telephone Communications

By providing your telephone number, you consent to receiving communications from Commercial Trucking Insurance regarding your insurance inquiries, policies, renewals, customer service requests, and other business-related matters.

Where required by law, separate consent will be obtained for autodialed or prerecorded marketing calls.

You acknowledge that your consent is not a condition of purchasing insurance.

User Feedback and Submissions

Any suggestions, comments, ideas, feedback, testimonials, reviews, or other content voluntarily submitted to Commercial Trucking Insurance may be used by us for lawful business purposes, including improving our services and marketing our business.

By submitting such content, you grant Commercial Trucking Insurance a non-exclusive, royalty-free, worldwide license to use, reproduce, publish, display, modify, and distribute the submitted content, provided that any use of personal information remains subject to our Privacy Policy.

You represent that you have the legal right to submit such content and that it does not infringe the rights of any third party.

Disclaimer of Warranties

This website and all information, content, materials, products, and services made available through it are provided on an “AS IS” and “AS AVAILABLE” basis, without warranties of any kind, either express or implied.

To the fullest extent permitted by applicable law, Commercial Trucking Insurance, powered by Dream Assurance Group, disclaims all warranties, including, but not limited to:

  • Merchantability;
  • Fitness for a particular purpose;
  • Non-infringement;
  • Accuracy;
  • Reliability;
  • Availability;
  • Completeness;
  • Timeliness; and
  • Freedom from viruses or other harmful components.

We do not warrant that:

  • The website will operate uninterrupted or error-free;
  • Defects will be corrected;
  • The website will always be secure;
  • Information contained on the website will always be current or complete; or
  • The website will be compatible with every browser, device, or operating system.

Insurance information published on this website is intended solely for general informational purposes and should not be relied upon as a guarantee of coverage or eligibility.

Limitation of Liability

To the fullest extent permitted by applicable law, Commercial Trucking Insurance, Dream Assurance Group, their officers, directors, employees, agents, contractors, affiliates, licensors, partners, and service providers shall not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or similar damages arising from or relating to:

  • Your use of this website;
  • Your inability to access the website;
  • Errors or omissions in website content;
  • Delays in communications;
  • Website interruptions;
  • Cybersecurity incidents beyond our reasonable control;
  • Loss of profits;
  • Loss of revenue;
  • Loss of business opportunities;
  • Loss of data;
  • Loss of goodwill;
  • Unauthorized access to your information;
  • Insurance underwriting decisions;
  • Insurance carrier decisions;
  • Claims determinations;
  • Policy cancellations or non-renewals; or
  • Any other matter relating to the use of this website or our services.

Our total aggregate liability arising out of or relating to these Terms or your use of the website shall not exceed the greater of:

  • The amount you paid directly to Commercial Trucking Insurance for services giving rise to the claim; or
  • One hundred U.S. dollars (US $100.00),

to the extent such limitation is permitted by applicable law.

Nothing in these Terms limits liability where such limitation is prohibited by law.

Indemnification

You agree to defend, indemnify, and hold harmless Commercial Trucking Insurance, Dream Assurance Group, and their officers, directors, employees, representatives, agents, affiliates, successors, licensors, service providers, and insurance partners from and against any claims, damages, liabilities, losses, costs, expenses, judgments, settlements, or reasonable attorneys’ fees arising out of or relating to:

  • Your use of the website;
  • Your violation of these Terms;
  • Your violation of applicable law;
  • Information you submit through the website;
  • Your negligence or misconduct;
  • Your infringement of intellectual property rights;
  • Fraudulent or misleading information provided by you; or
  • Any claim arising from your business operations or insurance application.

Compliance with Laws

You agree to comply with all applicable federal, state, and local laws, regulations, and industry requirements relating to your use of this website and your insurance activities.

Nothing contained on this website should be interpreted as legal advice regarding compliance with:

  • Federal Motor Carrier Safety Administration (FMCSA) regulations;
  • U.S. Department of Transportation (DOT) requirements;
  • State transportation laws;
  • Occupational safety regulations;
  • Tax laws; or
  • Other governmental regulations.

You remain solely responsible for ensuring compliance with all laws applicable to your business operations.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Kansas, without regard to its conflict of law principles.

These Terms shall be interpreted in a manner consistent with applicable federal law and insurance regulations.

If any provision of these Terms is determined to be unenforceable under applicable law, the remaining provisions shall continue in full force and effect.

Dispute Resolution

Before initiating formal legal proceedings, you agree to make a good-faith effort to resolve any dispute by contacting Commercial Trucking Insurance in writing and providing a reasonable opportunity to address the issue.

If a dispute cannot be resolved informally, the parties agree that any legal action arising from or relating to these Terms or the use of this website shall be brought exclusively in a court of competent jurisdiction located in the State of Kansas, unless applicable law requires otherwise.

Nothing in this section limits either party’s right to seek temporary or injunctive relief where necessary to protect its rights.

Force Majeure

Commercial Trucking Insurance shall not be liable for any delay or failure to perform resulting from events beyond our reasonable control, including but not limited to:

  • Natural disasters;
  • Severe weather;
  • Fire;
  • Flood;
  • Pandemic or epidemic;
  • Acts of God;
  • Terrorism;
  • Civil unrest;
  • Labor disputes;
  • Utility failures;
  • Internet outages;
  • Cyberattacks by third parties;
  • Government actions;
  • Supply chain disruptions; or
  • Failures of third-party service providers.

Our obligations will be suspended only for the duration of the force majeure event.

Suspension and Termination

Commercial Trucking Insurance reserves the right to suspend, restrict, or terminate access to the website, in whole or in part, at any time and without prior notice if we reasonably believe that:

  • You have violated these Terms;
  • You have engaged in fraudulent or unlawful activity;
  • Your actions threaten the security or integrity of our systems;
  • Continued access could expose us or others to legal or security risks; or
  • Termination is otherwise necessary to protect our legitimate business interests.

Termination of access does not affect any rights or obligations accrued before termination.

Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from these Terms.

The remaining provisions shall remain valid and enforceable to the fullest extent permitted by law.

Waiver

No failure or delay by Commercial Trucking Insurance in exercising any right or remedy under these Terms shall constitute a waiver of that right or remedy.

Any waiver must be in writing and signed by an authorized representative of Commercial Trucking Insurance.

Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent.

Commercial Trucking Insurance may assign or transfer its rights or obligations under these Terms in connection with a merger, acquisition, sale of assets, corporate reorganization, or other business transaction.

Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices or policies expressly incorporated by reference, constitute the entire agreement between you and Commercial Trucking Insurance regarding your use of the website.

These Terms supersede all prior or contemporaneous communications, representations, or agreements relating to the website.

Changes to These Terms

Commercial Trucking Insurance may update or modify these Terms at any time to reflect changes in:

  • Applicable laws;
  • Regulatory requirements;
  • Business practices;
  • Website functionality;
  • Insurance products; or
  • Technology.

When material changes are made, we will update the Effective Date and Last Updated date appearing at the beginning of these Terms.

Your continued use of the website after changes become effective constitutes your acceptance of the revised Terms.

Contact Information

If you have questions regarding these Terms and Conditions or our services, please contact us:

Commercial Trucking Insurance
Powered by Dream Assurance Group

Website: https://commercial-trucking-insurance.com

Email: info@dreamassurancegroup.com

Telephone: (618) 657-7525

State Insurance Availability

Commercial Trucking Insurance offers insurance products only in states where it is properly licensed or otherwise authorized to conduct business.

Coverage availability, policy forms, underwriting guidelines, premiums, deductibles, exclusions, endorsements, and eligibility requirements vary by insurance carrier and by state.

Insurance products advertised on this website are not available in every jurisdiction.

Applicants remain subject to underwriting review and approval by the applicable insurance carrier.

Acceptance of Terms

By accessing or using this website, submitting a quote request, requesting policy information, communicating with Commercial Trucking Insurance electronically, enrolling in SMS communications, or otherwise using our services, you acknowledge that:

  • You have read these Terms and Conditions;
  • You understand your rights and responsibilities;
  • You agree to be legally bound by these Terms;
  • You understand that submitting a quote request does not bind insurance coverage;
  • You understand that insurance coverage becomes effective only after confirmation by the applicable insurance carrier or an authorized representative; and
  • You agree to comply with all applicable laws and regulations.

Electronic Records and Notices

You agree that all agreements, notices, disclosures, and other communications that Commercial Trucking Insurance provides electronically satisfy any legal requirement that such communications be in writing, to the extent permitted by applicable law.

You are responsible for maintaining a valid email address, telephone number, and mailing address so that we may communicate with you regarding your insurance relationship.

Survival

The following provisions shall survive the termination of these Terms or your use of the website:

  • Disclaimer of Warranties;
  • Limitation of Liability;
  • Indemnification;
  • Intellectual Property;
  • Governing Law;
  • Dispute Resolution;
  • Privacy obligations;
  • Payment obligations, where applicable; and
  • Any other provisions that by their nature are intended to survive termination.

 

Effective Date: July 15, 2026
Last Updated: July 15, 2026
Commercial Trucking Insurance
Powered by Dream Assurance Group
© 2026 Commercial Trucking Insurance. All Rights Reserved.