Please read carefully the following Legal Notice/User Agreement.  You must agree in order to gain access to this Site.

 

 This agreement governs your visit or use of this site, and includes disclaimers of liability and other matters of interest to visitors or users of this site. 

 

LEGAL NOTICE/USER AGREEMENT

 

TERMS AND CONDITIONS

 

Within this Legal Notice/User Agreement (“this Agreement”), “Assurant” means, individually, American Bankers Insurance Company of Florida and any other affiliated or associated insurer.

 

 

I.                   Web Site Access

This Web Site is limited to property management companies under contract with American Bankers Insurance Company of Florida and any of its affiliated or associated insurers with respect to resident’s or renter’s insurance, including renter’s liability insurance.  “You,” “your” or” User” shall refer to the property management company and the management level employee authorized to access this site on behalf of the property management company.    Only property management companies with a valid and in-force user id, through their authorized management level employees who are acting as such with the property management company, may enter this Web Site. Any attempt by any other person to access this Web Site is unauthorized and may result in legal action.  You will be able to access information on this site, only if the tenant in your managed properties has expressly consented to your having access to such information.

 

II.                 User Responsibility

 The User accepts responsibility for maintaining the confidentiality of the userid and password. You must promptly notify Assurant if you suspect that either your userid or password is suspected of being disclosed or is known to have been disclosed to an unauthorized party.  You should contact Assurant at 1-800-852-2244, extension 34357. This is your designated contact with Assurant. 

 

User also agrees to practice good faith in all transactions and will not knowingly perform any activity, which would be detrimental to Assurant. Misrepresenting, obscuring, suppressing, or replacing a User’s identity on any Assurant electronic communications system is forbidden.

 

If information is accessed accidentally on this Web Site which is not intended for the User’s utilization, any dissemination, distribution, or copying of such information is prohibited. In addition, if f any information is accidentally accessed on this Web Site or received by the User in error, User will immediately destroy such information and notify Assurant. 

 

User shall not share User’s userid or password with any person. If User leaves the employment of the property management company, User should promptly notify Assurant and User may not utilize the userid and password. User should use User’s userid and password only where the browser being used by User indicates that an encrypted or secure connection has been established. It is User’s obligation to secure and maintain the security of User’s userid, password, and computer at all times.  User shall ensure that User’s computer is free of any spyware that can view or access the information viewed by User on this Web Site, before and after User inputs User’s id or password.  User agrees to maintain security controls on all of User’s computers from which this site can be accessed so as to preclude viewing or access by unauthorized persons.  User may only utilize computers located within the commercial offices of the property management company to access this site.  In addition, User's agrees to close the computer’s browser after log-off to preclude data being stored in User’s browser.

 

Assurant, at its sole discretion, retains the right to render any user id or password non-operational.

 

User agrees to comply with the Assurant Privacy Policy with respect to all insured information appearing on this site. 

 

III.             Access Control 

Encryption

Assurant will not permit confidential information to be sent over the Internet in readable form. Assurant uses encryption where necessary to prevent sensitive data from being intercepted by unauthorized sources. 

 

Monitoring of Usage

Assurant may utilize access control facilities, which provide special logging and monitoring of User activity. Specific reports may be produced on a regular basis and these reports are reviewed by unusual or unauthorized activities performed by Users. 

 

IV.       Information Available on Web Site

Assurant cannot guarantee the accuracy of the information displayed on this Web Site.  Should you encounter any information that is erroneous on this Web Site, please contact customer service at 1-800-432-8612. 

 

V.         Limitation of Liability and Disclaimer 

ASSURANT WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM ANY USE OF THIS WEB SITE. THESE INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF, OR INABILITY TO USE, THIS WEB SITE; (2) FAILURE OF PERFORMANCE; (3) ERROR; (4) OMISSION; (5) INTERRUPTION; (6) DEFECT; (7) DELAY IN OPERATION OR TRANSMISSION; (8) COMPUTER VIRUS; OR (9) LINE FAILURE. ASSURANT IS NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. IN THE EVENT ASSURANT MAY BE HELD LIABLE FOR ANY DAMAGES RELATIVE TO THIS WEB SITE, SUCH DAMAGES WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS THIS WEB SITE.  THE MATERIAL ON THIS WEB SITE IS PROVIDED AS IS. ASSURANT DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN THIS WEB SITE, INCLUDING, BUT NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) DEFECTS WILL BE CORRECTED; (4) THIS WEB SITE, OR THE SERVERS THAT MAKE THIS WEB SITE AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (5) INFORMATION CONTAINED IN THIS WEB SITE IS ACCURATE AS OF ANY PARTICULAR DATE. INFORMATION ON THIS WEB SITE MAY BE MODIFIED AT ANY TIME WITHOUT NOTICE.

 

 

VI.              Cookies

This site uses one or more “cookies.”  A cookie is a small file that is stored on your hard drive.   The User is free to decline a cookie if the User’s browser has been set to prompt or decline cookies. It is possible that if You decline a cookie, You may not be able to use the Site information and functions successfully.

 
 
VII.      Application Level 

Assurant may have specific policy statements relating to the applications being accessed by a User. It is the User’s responsibility to access, read, and agree to any such application policy statement. This Agreement works in conjunction with any such policy statements. In the event of any conflict in terms between the application policy statement (if any) and this Agreement, the terms of this Agreement shall control. 

 

 

VIII.     Governing Law 

This Agreement shall be governed by and construed in accordance with the laws of the State of Florida, without giving effect to any principles of conflicts of laws. 

 

IX.        Severability of Provisions 

If any provision of this Agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this Agreement and shall not affect the validity and enforceability of any remaining provisions. 

 

X.         Changes to this Agreement 

Revisions to this Agreement may be made at any time. It is necessary for the User to periodically review this Agreement for any changes. Assurant is not responsible for notifying the User of any updates to this Agreement. It is implied that User agrees and accepts, and User hereby agrees and accepts,any amendments to this Agreement without prior notification of any updates to this Agreement. Upon entering this Web Site, User automatically agrees to any amendments.   

 

Your access to and use of the Verifyins.com Database (“Insurance Confirmation Database”) is subject to the terms of the agreement below (“Agreement”). If you have read and agree with the terms of the Agreement, click on “I Agree” below and you will be provided access to the Verifyins.com Database. If you have read and do not agree with the terms of the Agreement, click on “I Do Not Agree” below and you will not be provided access to the Verifyins.com Database.

 

1.      Representations.

 

A.        The parties to this Agreement engage in a business relationship that has been memorialized in certain contract(s) (the “Contract”) executed by both parties. The Contract may involve the exchange of confidential and/or proprietary information.

 

B.        The Gramm-Leach-Bliley Act of 1999 (Public Law 106-102, 113 Stat. 1138), as it may be amended from time to time (the “GLB Act”) and the regulations promulgated thereunder impose certain obligations on financial institutions with respect to the confidentiality and security of the customer data of such financial institutions.

 

C.        The parties wish to enter into this Agreement to supplement the obligations of the parties set forth in the Contract in order to comply with the GLB Act and the regulations promulgated thereunder.

 

2.      Confidential Information.   “Confidential Information” of a party shall mean and include information about customer names and all other information related to customers, including without limitation any “nonpublic personal information” as defined under the GLB Act and regulations promulgated thereunder, which is unpublished, not available to the general public or trade, and which is maintained as confidential and proprietary information by the disclosing party for regulatory, customer relations, and/or competitive reasons.

 

3.      Exceptions.

 

(a)        Notwithstanding anything to the contrary herein, neither party shall have any obligation with respect to any Confidential Information of other party, or any portion thereof, which the receiving party can establish by competent proof (i) is lawfully obtained by the receiving party from a third party which has no obligation to maintain the information as confidential and which provides it to the receiving party without any obligation to maintain the information as proprietary or confidential; (ii) was known prior to its disclosure to the receiving party without any obligation to keep it confidential as evidence by tangible records kept by the receiving party in the ordinary course of its business; or (iii) is the subject of written agreement whereby the disclosing party consents to the use or disclosure of such Confidential Information.

 

(b)        If a receiving party or any of its representative shall be under a legal obligation in any administrative or judicial circumstance to disclose any Confidential Information, the receiving party shall give the disclosing party prompt notice thereof so that the disclosing party may seek a protective order and/or waiver, if the receiving party or any such representative shall, in the opinion of its counsel, stand liable for contempt or suffer other censure or penalty for failure to disclose, disclosure pursuant to the order of such tribunal may be made by the receiving party or its representative without liability hereunder.

 

4.      Disclosure and Protection of Confidential Information.

 

(a)        Each party warrants the disclosure of Confidential Information to the other party is in accordance with applicable state and federal law and the party’s own stated privacy policies. Each party agrees not to use Confidential Information of the other party for any purpose other than the fulfillment of such party’s obligations to the other party under the Contract. All Confidential Information relating to a party shall be held in confidence by the other party to the same extent and in at least the same manner such party protects its own confidential or proprietary information. Neither party shall disclose, publish, release, transfer or otherwise make available Confidential Information of the other party in any form to, or for the use or benefit of, any person or entity without the other party’s consent. Each party shall, however, be permitted to disclose relevant aspects of the party’s Confidential Information to its officers, agents, subcontractors, and employees to the extent that such disclosure is reasonably necessary for the performance of its duties and obligations under the Contract and this Agreement provided such disclosure is not prohibited by the “GLB Act”, the regulations promulgated thereunder or other applicable law; provided, however, that such party shall take all reasonable measure to ensure that Confidential Information of the other party is not disclosed or duplicated in contravention of the provisions of the Contract and this Agreement by such officers, agents, subcontractors and employees. Each party further agrees promptly to advise the other party in writing of any misappropriation, or unauthorized disclosure or use by any person of Confidential Information which may come to its attention and to take all steps reasonably requested by the other party to limit, stop or otherwise remedy such misappropriation, or unauthorized disclosure or use. If the GLB Act, the regulations promulgated thereunder or other applicable law now or hereafter in effect imposes a higher standard of confidentiality to the Confidential Information, such standard shall prevail over the provisions of this Section 3.

 

5.      Term.   This Agreement will become effective when User clicks on “I Agree” and will continue in effect thereafter for as long as a party continues to possess or control the Confidential Information furnished by the other party, and for so long as the Confidential Information remains unpublished, confidential and legally protectable as the intellectual property of the disclosing party, except as otherwise specified herein, the receiving party shall make no use of such Confidential Information whatsoever, notwithstanding the expiration of the Agreement. The parties acknowledge their understanding that the expiration of this Agreement shall not be deemed to give either party a right or license to use or disclose the Confidential Information of the other party.

 

6.      Injunctive Relief.   It is agreed that the unauthorized disclosure or use of any Confidential Information may cause immediate or irreparable injury to the party providing the Confidential Information, and that such party may not be adequately compensated for such injury in monetary damages. Each party therefore acknowledges and agrees that, in such event, the other party shall be entitled to seek any temporary or permanent injunctive relief necessary to prevent such unauthorized disclosure or use, or threat of disclosure or use, and consents to the jurisdiction of any federal or state court of competent jurisdiction sitting in Atlanta, Georgia for purposes of any suit hereunder and to service of process therein by certified or registered mail, return receipt requested.

 

7.      Severability.   In the event that any provisions, or any portion thereof, of this Agreement is determined by competent judicial, legislative or administrative authority to be prohibited by law, then such provisions or part thereof shall be ineffective only to the extent of such prohibition, without invalidating the remaining provisions of the Agreement.