Assurant

User Agreement Terms and Conditions

Please read carefully the following User Agreement. This Agreement includes disclaimers of liability and other matters of interest to users.

USER AGREEMENT
TERMS AND CONDITIONS

Within this Agreement, "Assurant" means Assurant, Inc., and any of its subsidiaries or any other Assurant affiliate. "User" means the identity of the person reading and accepting the terms and conditions of this User Agreement.

  1. Site Content
    One or more of the Assurant companies provide the material on this website ("Site"). If you are a member of the general public who accidentally accesses this section, please be informed that the information contained in this Site is not for general use, is private and confidential, and is for general informational purposes only and not a solicitation or an offer to sell.

  2. User Responsibility
    By agreeing to the terms and conditions of this User Agreement, the User accepts responsibility for maintaining the confidentiality of their userid and password. All passwords must be promptly changed if they are suspected of being disclosed or are known to have been disclosed to an unauthorized party.

    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. The user name, electronic mail address, organizational affiliation, and related information provided by a User must reflect the actual originator of the messages or postings.

    If information is accessed accidentally on this site which is not intended for the User's utilization, any dissemination, distribution, or copying of such information is prohibited. If any information is received by the User in error, User will immediately destroy such information and notify Assurant.

    The User acknowledges and confirms that the Internet is not a secure medium where privacy can be ensured, and complete security and confidentiality over the Internet are not possible at this time. Any information provided to Assurant shall remain confidential to the extent possible. The User is aware that any information transmitted to this site may be accessed by, or disclosed to, other persons once the information leaves the public network.

  3. Assurant Responsibility
    Assurant agrees to protect all personal and confidential information obtained from its clients and customers in accordance with the current commercial standards. Assurant will secure all information provided during the registration process and during login to a specific application. Assurant does not guarantee the security of information once it leaves the public network. When a User is required to provide personal information, Assurant will provide a reference to this User Agreement to further institute our intentions.

    Assurant has the right, but not the obligation, to monitor any transmission made to and from our Site. Assurant may use or disclose information on our Site.

  4. Ownership
    Assurant owns this Site and its contents and can control access to it. Creation of any kind of hyperlink from any other site to our Site is prohibited without the prior written consent of Assurant.

  5. Availability
    Assurant does not, in any way, promise that any insurance product or service is, or will remain, available to the public, or that any particular individual will qualify for the products and services currently available. Insurance products and services referenced in our Site may not be available in all jurisdictions.

  6. 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 utilizes access control facilities which provide special logging and monitoring of User activity. Specific reports are produced on a regular basis and these reports are reviewed for unusual or unauthorized activities performed by Users.

  7. Limitation of Liability and Disclaimer
    Assurant WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM ANY USE OF THIS SITE. THESE INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES OR INJURY CAUSED BY ANY: 1.) USE OF, OR INABILITY TO USE, OUR 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 OUR SITE, SUCH DAMAGES WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITE.

    THE MATERIAL ON OUR SITE IS PROVIDED AS IS. Assurant DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN OUR 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.) OUR SITE, OR THE SERVERS THAT MAKE OUR SITE AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR 5.) INFORMATION CONTAINED IN OUR SITE IS ACCURATE AS OF ANY PARTICULAR DATE. INFORMATION ON OUR SITE MAY BE MODIFIED AT ANY TIME WITHOUT NOTICE.

  8. Application Level
    Assurant has specific policy statements relating to the applications being accessed by a User. It is the User's responsibility to access, read, and agree to the application policy statement. This User Agreement works in conjunction with such policy statements. In the event of any conflict in terms between the application policy statement and this User Agreement, the terms of this User Agreement shall control.

  9. Governing Law
    This User Agreement shall be governed by and construed in accordance with the laws of the State of Minnesota, U.S.A., without giving effect to any principles of conflicts of laws.

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

  11. Copyright/Trademark
    The Site is owned and operated by Assurant. The software downloaded for your use in connection with this Site is proprietary to the software developer, is licensed to us for your exclusive use and may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. No material from our Site may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, except that you may download copies of the materials on any single computer for approved company business only. Modification of the materials or use of the materials for any other purpose is a violation of Assurant copyright and other proprietary rights. The use of such material on any other website or networked computer environment is prohibited. All trademarks, service marks, and trade names are proprietary to Assurant.

  12. Additional Information
    Revisions to this User Agreement may be made at any time. It is necessary for the User to periodically review this User Agreement for any changes. Assurant is not responsible for notifying the User of any updates to this Agreement. Each time a User uses the userid and password, it is implied that the User agrees and accepts this User Agreement.