Terms and Conditions
CONDITIONS OF USE
DISCLAIMER OF WARRANTIES
THIS WEB SITE AND ALL MATERIALS, INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS" AND 'WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. THE INSURANCE COMPANY TO WHICH YOU APPLIED AND ITS SUBSIDIARIES, AFFILIATES, PARENT AND THEIR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS AND REPRESENTATIVES (COLLECTIVELY, "INSURER'") ACCEPTS NO LIABILITY FOR ANY PROBLEMS ASSOCIATED WITH YOUR USE OF THIS WEB SITE, INCLUDING, BUT NOT LIMITED TO, DAMAGE TO YOUR SOFTWARE, HARDWARE, OR OTHER EQUIPMENT, ANY DELAY IN OPERATION OR TRANSMISSION OF THE WEB SITE, ANY COMMUNICATIONS LINE FAILURE, THEFT OR DESTRUCTION, ANY PROBLEMS OR TECHNICAL MALFUNCTION OF COMPUTER ON-LINE SYSTEMS, SERVERS, PROVIDERS, OR COMPUTER EQUIPMENT, OR ANY TRAFFIC CONGESTION OR FAILURE OF THE INTERNET OR ANY WEB SITE. THIS WEB SITE IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT.
THE INSURER DOES NOT WARRANT THAT THE WEB SITE IS ACCURATE, RELIABLE OR CORRECT, THAT THE WEB SITE WILL BE UNINTERRUPTED, OR AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, THAT THE WEB SITE IS SECURE, OR THAT ANY WIRELESS OR WIRED CONNECTION WILL NOT BE ACCESSED, INTERCEPTED, ALTERED OR DESTROYED IN WHOLE OR IN PART BY AN UNAUTHORIZED THIRD PARTY, THAT ANY DATA FILES, PROGRAMS, PROCEDURES OR INFORMATION, (INCLUDING YOUR PERSONALLY IDENTIFIABLE INFORMATION) DOWNLOADED, RECORDED, TRANSMITTED OR INPUT THROUGH THE WEB SITE WILL BE SECURE OR PROTECTED FROM UNAUTHORIZED ACCESS TO, ALTERATION, DELETION, DEFECT OR DESTRUCTION, THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED, OR THAT THE CONTENT OF THE WEB SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE INFORMATION AND DESCRIPTIONS CONTAINED WITHIN THE WEB SITE ARE NOT NECESSARILY INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES OFFERED BY THE INSURER, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES; PLEASE REFER TO THE ACTUAL POLICY FOR ADDITIONAL INFORMATION. THE ABOVE EXCLUSIONS APPLY ONLY TO THE EXTENT PERMITTED BY LAW.
LIMITATION OF LIABILITY
UNDER NO CIRCUMSTANCES SHALL THE INSURER BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR INABILITY TO USE, THE WEB SITE. THIS LIMITATION APPLIES EVEN IF THE INSURER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. THE INSURER ALSO ASSUMES NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS TO, USE OF, OR BROWSING OF THE WEB SITE OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO, OR AUDIO FROM THE WEB SITE. THE ABOVE LIMITATIONS APPLY ONLY TO THE EXTENT PERMITTED BY LAW.
RESTRICTION ON USE OF MATERIALS
You acknowledge and agree that all content, information, and materials available to you through the Web Site, and any other information derived or resulting therefrom (all hereafter "Insurer Information") is the sole and exclusive property of the Insurer and constitutes information that is confidential and proprietary to the Insurer. You agree to take all reasonable precautions to protect and maintain the confidentiality of Insurer Information and agree not to disseminate, disclose, publish, transfer, release, or otherwise make available Insurer Information to any third party in any manner whatsoever. You further agree that Insurer Information as available through the Web Site, or derived or produced therefrom, cannot be copied or reproduced except with the Insurer's express prior written consent. You also understand and acknowledge that the Web Site is provided solely for individuals applying for products and services offered by the Insurer. You agree to immediately notify the Insurer of any unauthorized or improper use of the Web Site or Insurer Information.
You further acknowledge and agree that all content, information, and materials available to you through the Web Site is protected by Intellectual Property rights and laws. Reproduction, copying, or redistribution, for commercial purposes of any materials or design elements obtained through the Web Site is strictly prohibited without the express written permission of the Insurer.
THIRD PARTY SITES
Your use of the Web Site may link you to other sites on the Internet. These sites may contain information or material that some people may find inappropriate or offensive. These other sites are not under the control of the Insurer, and you acknowledge that the Insurer is not responsible for the accuracy, legality, decency, or any other aspect of the content of such sites. The inclusion of such a link does not imply endorsement of the site by the Insurer.
RULES OF CONDUCT
You agree to not use the Web Site for unlawful purposes or in an offensive manner, including, without limitation, usage that (i) is threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasion of another's privacy, or tortious; (ii) contains language (sexual or otherwise) of a violent or threatening nature directed at another individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability; or (iii) violates any federal, state, or local laws. You shall also be prohibited from usage that infringes any patent, trademark, trade secret, copyright, right of publicity, or other proprietary right of any party (collectively, "Intellectual Property"). You shall not introduce any software viruses or any other computer code, files, or programs that are designed or intended to disrupt, damage, or limit the functioning of any software, hardware, or telecommunications equipment or to damage or obtain unauthorized access in any data or other information of any third party. The Insurer makes no representation that materials accessed through the Web Site are appropriate or available for use in locations outside the United States, and accessing them from territories where their contents are illegal is prohibited.
PUBLIC AREA USE
To the extent that you are accessing the Web Site in a public area, you agree that you have no reasonable expectation of privacy or confidentiality in your use of the Web Site.
INFORMATION SECURITY AND CONFIDENTIALITY
Insurer implements and maintains administrative, technical, and physical controls and processes as necessary to ensure the confidentiality, integrity and availability of information accessed, processed, transmitted and stored on this Web Site. Our internal controls and processes help ensure that information, once provided to us, is appropriately safeguarded.
To ensure information security for this Web Site, we utilize 128-bit Secure Sockets Layer (SSL) encryption, which scrambles information transmitted to and from this Web Site such that the information cannot be read by an unauthorized individual.
You agree to practice good faith in all transactions and will not knowingly perform any activity that would be detrimental to the Insurer. Misrepresenting, obscuring, suppressing, or replacing your identity on the Insurer's electronic communications system is forbidden. The user name, electronic mail address, organizational affiliation, and related information provided by you must reflect the actual originator of the messages or postings. If information is accessed accidentally on this Web Site which is not intended for your utilization, any dissemination, distribution, or copying of such information is prohibited. If any information is received by you in error, you shall immediately destroy such information and notify the Insurer.
NO GUARANTEES FOR SECURITY OR CONFIDENTIALITY
No security measures are impenetrable. As such, the Insurer cannot guarantee absolute information security and confidentiality.
SEVERABILITY OF PROVISIONS