Terms of
Use
Please read
these Terms of Use carefully before using the MyARICPolicy.com
website. If You do not agree with any part of these
Terms of Use, You must not use the Site. Your continued use of the Site will
constitute Your acceptance of these Terms of Use, as
may be modified by Us at any time without notice to You. Please check this page
regularly for updates.
By
accessing and using the website, You agree to be bound
by these Terms of Use of the MyARICPolicy.com website at MyARICPolicy.com
(the “Site”) without limitation or qualification. The products and/or services
on the Site are offered by American Bankers Insurance Company of Florida,
American Reliable Insurance Company, American Security Insurance Company,
Ranchers and Farmers Mutual Insurance Company, Reliable Lloyds Insurance
Company, Standard Guaranty Insurance Company and Voyager Indemnity Insurance
Company, each located at American Reliable Insurance Company, 8667 E. Hartford Dr, Suite 225,
Scottsdale, AZ 85255
(collectively “We” “Our” or “Us”). All of these companies operate under the
trademark, “Assurant Specialty Property.”
Permitted
Use
All of the
content in the Site is made available only for Your
personal, lawful, non-commercial use in connection with seeking insurance,
extended service contracts and/or other products and services offered by Us.
Use of the Site by a competitor company or other non-consumer third party is
prohibited.
Except as expressly mandated by law, You may not, without Our prior written permission: (i) link from another website to the Site; (ii) post, transmit, copy, modify, create derivative works from, distribute, sell, or republish anything You obtain or download from the Site; (iii) engage in systematic retrieval of data or other content from the Site; (iv) assign or transfer any rights granted by these Terms of Service; or (v) access, or attempt to access, the Site through any automated means (including use of scripts, crawlers, or similar technologies).
Our
Products and Services
The
information and material provided on the Site are intended for general
reference only, and may not describe all of the terms, conditions, and
exceptions applicable to the products and services offered by Us on this Site. All coverages are
subject to the terms and conditions of the insurance policies, extended service
contracts and/or other products and services offered by Us.
Coverages and the terms and conditions of the
insurance policies, extended service contracts and/or other products and
services offered by Us may vary by state and Your
individual circumstances, and additional minimum coverage limits may be
required in Your state. The products and services offered on the Site are only
available in the jurisdictions in which We are
properly licensed.
Your
request to purchase a product or service represents an offer by You and will be subject to the terms and conditions of that
product or service that We may accept or reject. After You
make a request through the Site to purchase the product or service, then
assuming such product or service is available to You and Your offer is
accepted, You will receive confirmation of Your purchase.
You must
ensure that the details You give to Us while using
this Site are correct and that there are sufficient funds to cover the cost of
the product or service. In the case of requesting an automatic renewal, the
credit or debit card You are using must be Yours, or
You affirm through the completion of any transaction that You have the
authority by the accountholder to use the credit or debit card.
Third-party
Sites
We may
provide links to other websites that are not under Our
control and which We do not maintain. These links are provided for Your convenience. When You activate
these links, You will leave the Site. We do not endorse or take responsibility
for the content on third party websites or the availability of those websites
and We are not liable for any loss or damage that You
may suffer by using those websites. If You decide to
access linked websites, You do so at Your own risk. We do not verify nor make
any warranty or representation about the content, accuracy, opinions expressed, warranties, products or services, intellectual
property compliance, or links of such third-party site. You should read the terms of use and privacy
policies on all third-party websites.
Some
products or services may be made available on the Site by third-parties not
affiliated with Us. You agree that if you install any
product or service provided a third party, you will seek redress from that
third party if its product or service causes any loss or damage to you. We are
not responsible for any product or service that is downloaded from a source
other than Us. You further agree that any downloading,
accessing, or using of third-party products or services is performed at Your own risk.
Availability
of Site
While We
have taken care in the preparation of the Site, and We use reasonable efforts
to include accurate and current information on the Site, certain technical
matters may be beyond Our control and We cannot guarantee that You will have
uninterrupted or error free access to all of the Site at all times, that
defects will be remedied, or that the Site, or the server that makes the Site
available, are virus or bug free. Access may be suspended occasionally or
restricted to allow for repair or maintenance or for the introduction of new
services. You agree that We may stop (permanently or
temporarily) providing the Site (or any features within the Site) to You
anytime for any breach of these Terms of Use, or at Our sole discretion,
without prior notice to You. You acknowledge that We
may, at any time and in Our sole discretion, change the requirements (type of
Internet access, hardware, software) to use the Site, and any products and
services available on the Site.
Copyrights
and Trademarks
Assurant,
Inc. markets
products and services through the following trademarks: Assurant Solutions,
Assurant Specialty Property, Assurant Health and Assurant
Employee Benefits. Each trademark is owned in the United States by
Assurant, Inc.
Except as
otherwise indicated, all materials on the Site, including without limitation
the logos, names, copyrights and trademarks on the Site are proprietary marks
of Assurant, Inc. or the images are used by Us with
permission of the copyright owner. Note that We may
not own a copyright to material displayed on a third-party sites that Our Site
links to. You must always seek permission from a site owner before copying any
materials from them.
Unless
otherwise agreed in writing, nothing on the Site shall be deemed to confer on
any person any license or right to use any such image, logo, name, trademark or
any other intellectual property and any such will constitute an infringement of
the rights of the holder.
Privacy
and Passwords
We value
and protect the privacy of Your information. Through
Your use of the Site You agree that any information that We collect from You
when using Our Site, including cookie files, will be dealt with in accordance
with Our Online Privacy Policy. We may change Our Online Privacy
Policy from time to time, without notice to You.
Any foreign operations of Assurant, Inc. companies, or those Assurant, Inc. companies that are domiciled and operate outside the United States may be subject to different privacy requirements. You should refer to the privacy policy of that particular company when visiting its website or the website of its foreign operations.
Some
portions of the Site may be protected and require a user identification code
(“User ID”) and password for access. Unauthorized access or use of such
portions of the Site is prohibited. To
obtain access to certain online services, You are
given the opportunity to register with Us. You are responsible for maintaining
the confidentiality of Your details and Your password
and for restricting access to Your computer to prevent unauthorized access to
Your account. You accept responsibility for activities that occur under Your account and You should take all steps to ensure Your
password is kept confidential. You agree to inform Us
immediately if You have reason to believe Your password is being used in an
unauthorized manner. For Your protection, if We
believe that any unauthorized access may occur or has occurred, We may
terminate such access without prior notice to You. You also agree that We are permitted to act upon any instructions received using
Your User ID and password and to consider such instructions as authorized by
You.
You must
not use the Site in any way that causes or is likely to cause access to be
interrupted, or impaired in any way and You acknowledge and agree that You are
responsible for electronic communications sent from Your computer.
Credit/Debit
Card Transactions
We may
retain the credit/debit card details You provide to Us
after payment has been made if You provide Us with consent, if required by Our
payment processor or otherwise required by law. We do not maintain any security
code that You may have given to Us in order to
complete the initial purchase. This assists in reducing credit/debit card
fraud. Except in exceptional circumstances, any refund We
provide to You for any product or service You have purchased by credit/debit
card is made back to the credit/debit card account used to make the initial
purchase.
Indemnification
To the
extent permitted by law, You agree to defend, hold harmless and indemnify Us,
Our affiliates and their respective directors, officers, employees and agents
from and against any and all claims, actions, suits or proceedings, as well as
any and all losses, liabilities, damages, costs and expenses (including
reasonable attorneys fees) arising out of or accruing
from Your use of the Site, any third-party site, or Your violation of these Terms
of Use.
Disclaimer
While We
use all reasonable efforts to ensure that the information contained on the Site
is current, accurate and complete at the date of publication, and We do Our
best to correct errors and omissions as soon as We can, all information,
products, services, content and other material on the Site, accessible from the
Site, or on a Third-party site are provided “as is” and without warranties or
representations of any kind, either express or implied. This means that We
expressly disclaim all warranties, express or implied, including without
limitation the warranties of title and non-infringement and the implied
warranties of merchantability and fitness for a particular purpose. To the
maximum extent permitted by law, We accept no liability
for any direct or indirect loss or damage, foreseeable or otherwise, including
any indirect, consequential, special or exemplary damages arising from the use
of the Site or any information contained therein. Users should be aware that
they use the Site and its content at their own risk. If You
are in a state that does not allow a disclaimer of implied warranties, the
above disclaimer or a portion of it may not apply to You.
Content and
information provided by third parties are published on the Site as supplied to Us and We are not responsible for its accuracy or
timeliness. You must take appropriate steps to verify this information before
acting upon it.
Limitation
of Liability
Access to
and use of this Site is at the user's own risk. We shall not be liable for any
loss, damage, injury, or claim, nor any special, indirect, incidental,
consequential, exemplary or punitive damages of any kind, whether such action
is based in tort, contract, negligence, strict liability, or other law, even if
We have been advised of the possibility of such damages. We shall not be liable for any Third-party
site, materials on any Third-party site or the inability to use any Third-party
site; and defect, omission, error, interruption, delay, or computer virus; or
the unauthorized alteration of or access to Your
transmissions or personal data.
If You are in a state that does not allow the limitation of
liability for certain damages, the above limitation of liability or a portion
of it may not apply to You. However, You agree in any
event that Our total liability for all damages, losses, injuries, or claims of
any kind or nature shall be limited to the amount You have paid to access the
Site.
Monitoring
of Telephone Calls and Emails
Telephone
calls and email correspondence with Us as a result of
Your access to the Site may be recorded for training, administrative and
security purposes, and as otherwise permitted by law. By using such
communication methods You are consenting to such
activities taking place.
Emails and Data Protection
Please note
that there is no guarantee that any e-mail sent to this site will be received
by Us or that the message will remain confidential
while being transmitted. Your email address and the content of Your email may be shared with, or disclosed, to third
parties, who are necessary to address the content of Your email, and as
otherwise permitted by law. We
may retain the content of the form or email, the email address and Our response. This enables Us to
retain an audit trail of Our contact and provide You with the product, service
or information You may have requested.
Children's
Online Privacy
We do not knowingly collect personal information from anyone
under the age of 13. If You are under the age of 13,
You must not use the Site.
Severability
If any court of law, having the jurisdiction to decide on
this matter, rules that any provision of these Terms of Use is invalid, then
that provision will be removed from these Terms of Use without affecting the
rest of these Terms of Use. The remaining provisions of these Terms of Use will
continue to be valid and enforceable.
Jurisdiction
and Enforceability
These Terms of Use and Your relationship with Us under these Terms of Use shall be governed by the laws of the State of Georgia without regard to its conflict of laws provision. You and Us agree to submit to the exclusive jurisdiction of the United States District Court for the Northern District of Georgia and the state courts located within Cobb County, Georgia to resolve any legal matter arising from these Terms of Use. Notwithstanding this, You agree that We shall be allowed to apply for injunctive remedies (or an equivalent type of urgent legal relief) in any jurisdiction.
You agree that if We do not exercise or enforce any legal right or remedy which is contained in these Terms of Use (or which We have the benefit of under any applicable law), this will not be taken to be a formal waiver of Our rights and that those rights or remedies will still be available to Us.
Entire
Agreement
These Terms
of Use state the entire agreement with regard to the items discussed above.