Web Site Terms of Use
General
These terms of use govern your use of this web site and its content. We reserve the right to change these terms of use anytime. By using this website you agree to the terms of use, including any changes made to the terms of use. If you do not agree to the terms of use, do not use this web site.
Disclaimer
The web site and its content are provided "as is" and for informational purposes only. We make no representation or warranty about their accuracy, reliability, or completeness and disclaim all warranties, express or implied, including implied warranties of merchantability or fitness for a particular purpose or non-infringement of other's rights.
We do not warrant that the web site will operate error free, is free from viruses or other defects, or that any defects will be corrected. You assume all risk with using and accessing the web site and its contents, including without limitation the entire cost of any necessary service, repair, or correction for any loss or damage that results from the use and access of the web site and its contents.
Use of Web Site Content
This web site contains information, photographs, videos, graphics, links, logos and other material that is protected by copyright, trademark or other proprietary rights. Unauthorized use may violate copyright, trademark, or other laws.
You may copy or print materials from this site limited solely for your noncommercial, personal use but you must retain any and all proprietary or copyright notices. You may not copy, transmit, distribute, modify, publicly perform, reuse, sell, or display any of the web site contents for any public or commercial purpose except with the prior written consent of the content owner. You agree to indemnify, defend, and hold us and our affiliates harmless from and against any claim, loss, liability, damage, and expense (including reasonable attorney fees) arising out of your use of the web site and its content.
Links
Links from this web site to a third party web site may be provided for a user's convenience only. We do not control, maintain, or review these sites; if you access these sites, you do so at your own risk. We are not responsible for the contents of such web sites and do not make any representations or warranties regarding any products or services that may be advertised on these sites. Any reference to a linked site or any specific third party product or service by name does not constitute or imply its endorsement by us, and you assume all risk with respect to its use.
Third Party Services
Certain services and products are offered by third parties through this web site. We are not responsible for (a) the terms and conditions of a transaction between you and a third party, including any fees or expenses; (b) a third party's credibility or licensing; (c) the quality of services performed or products provided by the third party; or (d) any other legal liability arising out of or related to the performance of such services or products. In the event of any dispute between you and a third party, you release us, our affiliates, agents, and employees from any and all claims arising out of or connected to the dispute.
Limitation of Liability
This website and the information contained therein are accessible to you as a part of and related to the underwriting and rating of your insurance policy.
This website and its content are for your use and benefit and not intended for the benefit of any third-party.
Under no circumstances shall we or our affiliates be liable for any damages, including without limitation, direct, indirect, incidental, special, punitive, consequential, or other damages (including without limitation lost profits, lost revenues, or similar economic loss), whether in contract, tort, or otherwise, arising out of the information contained here, or the use or inability to use this web site or its content.
Governing Law
This web site and these terms of use shall be governed in accordance with the laws of the state of Michigan, without giving effect to any conflict of law provisions.