Your use of this site is
expressly conditioned on your acceptance of these Terms of Use. If you do not
agree with any part of the Terms of Use, you must not use this site.
Independent
Mutual Fire Insurance Company (henceforward: Independent Mutual) reserves
the right to modify these Terms of Use at any time. Continued use of this site
by you will constitute your acceptance of any revisions to the Terms of Use.
Please check this page regularly.
Third-Party Sites
This site may contain
links to other Internet Web sites ("Third-party Sites") that are not
maintained by Independent Mutual. These links are
provided solely for your convenience. Independent Mutual makes no warranties or
representations about the content of
Privacy &
Security
Please review our Privacy
Policy, which also governs your visit to this web site.
Password Registration
Some Independent Mutual Web sites are restricted and require a user identification code
("User ID") and a password for access. Unauthorized use of or access
of such sites is strictly prohibited.
In accessing Independent Mutual sites requiring a User ID and password, you agree that:
·
Independent Mutual is entitled to act on instructions
received under your User ID and password.
·
Independent Mutual is not liable for any unauthorized access
to your personal information that is not the direct result of gross negligence
or intentional misconduct on the part of Independent Mutual.
·
You
will keep your password confidential and you will notify Independent Mutual immediately if you believe someone else
has obtained your User ID and password or any unauthorized access to the online
service site has occurred or may occur. Independent Mutual may block access to the online service
site without prior notice if we believe your User ID and password are being
used by someone other than you, if any unauthorized access to your personal
information has occurred or may occur, or for other reasons.
Disclaimer of Warranty
The content and materials
in this site are provided "as is" and without representations or
warranties of any kind, either express or implied. Independent Mutual Fire Insurance Company expressly disclaims all
warranties, express or implied, with respect to this site including, but not
limited to, implied warranties of merchantability, fitness for a particular
purpose and non-infringement. Independent Mutual
Fire Insurance Company does not warrant or represent that the functions or operation of this
site will be uninterrupted or error-free, that defects will be corrected, or that
this site, its servers or any e-mail sent from Independent
Mutual are free of viruses or other harmful components. Some states do not
allow the disclaimer of implied warranties, so the foregoing disclaimer may not
apply to you.
Limitation of Liability
Independent Mutual shall not be liable for any injury, loss, claim, or damage, nor any
indirect, special, incidental or consequential damages of any kind, whether
based in contract, tort, strict liability or otherwise, which arises out of (a)
the use of, or inability to use, this site or content found in this site, or
(b) unless resulting from the gross negligence or intentional actions of Independent Mutual, the unauthorized access to or alteration of your transmissions or
data, even if Independent Mutual has been advised of the
possibility of such damages. Some states do not allow the exclusion of
liability for certain damages, so the foregoing exclusions or limitations may
not apply to you.
Jurisdiction / Enforceability
Should any provision of these
Terms of Use be held invalid, unlawful or for any reason unenforceable, then
the invalid, unlawful or unenforceable provision shall be severable from the
remaining provisions. Such invalid, unlawful or unenforceable provision shall
not affect the validity or enforceability of the remaining provisions.