Terms & Conditions of Use

ProSurance Group Inc. reserves the right, at any time and without prior notice, to remove or cease to supply any product or service contained on this website. In the event that such removal takes place, ProSurance Group Inc. shall not be liable to you in any way whatsoever for such removal. This website contains only summaries of actual policy terms and conditions and should not be construed as replacing or modifying the actual policy in any way. Simple policies are available upon request.

ProSurance Group Inc. does not warrant that information, graphic depictions, product and service descriptions or other content of this site is accurate, complete, reliable, updated, current, or error-free. Despite our efforts, it is possible that a price for a product or service offered on this site may be inaccurate or the product or service description may contain an inaccuracy. In the event ProSurance Group Inc. determines that a product or service contains an inaccurate price or description, ProSurance Group Inc. reserves the right to take any action it deems reasonable and necessary, in its sole discretion, to rectify the error, unless prohibited by law. ProSurance Group Inc. may make improvements or changes to any of its content, information products, services, or programs described on this site at any time without notice. You agree to notify ProSurance Group Inc. immediately if you become aware of any pricing or descriptive errors or inconsistencies with any products or services you order through this site.

Applications for Product & Services

Prices and details of products and services, and any offers posted online are subject to change without notice. All products and services are subject to availability and we give no guarantee in this regard. The provision of details of products and services on this website are not, and should not be construed as, an offer to sell or buy such products or services by the relevant company. The company advertising the products or services concerned may accept or reject your offer at its sole discretion.

If you apply for any product or service detailed on this website, these Terms and Conditions should be read in conjunction with any other terms and conditions which relate to any such product or service and, in the event of any contradiction between these Terms and Conditions and the specific terms and conditions relating to such product or service, the latter shall prevail. For the purposes of these Terms and Conditions, products and services shall include, without limitation, any insurance or financial service

Copyright

The copyright the material contained in this website belongs to ProSurance Group Inc. or its licensed source. Any person may copy any part of this material, subject to the following conditions:

The material may not be used for commercial purposes.
The copies must retain any copyrights or other intellectual property notices contained in the original material.
The products and technology or processes described in this website may be subject to other intellectual property rights reserved by the ProSurance Group Inc. or by other third parties (and no license is granted in respect of those intellectual property rights).

Images on this website are protected by copyright and may not be reproduced or appropriated in any manner without the written permission of their respective owners.

Changes to Terms and Website

We reserve the right to change these terms and conditions at any time by posting changes on the website. It is your responsibility to review the web site terms and conditions regularly to ensure you are aware of the latest terms and conditions. Your use of this website after a change has been posted will be deemed to signify your acceptance of the modified terms and conditions. We recommend that you print and retain for your records a copy of these terms and conditions from time to time and a copy of any terms and conditions relating to any product or service that you apply for online, together with any related completed and submitted application form. Any amendment to terms and conditions must be agreed to in writing by us, or, if appropriate, by the relevant company with whom you contract.

ProSurance Group Inc. may change or modify the Terms from time-to-time without notice other than posting the amended Terms on the website. The amended Terms will automatically be effective when posted on our site. Your continued use of our site after any changes in these Terms shall constitute your consent to such changes. ProSurance Group Inc. reserves the right to change, modify, or discontinue, temporarily or permanently, the website (or any portion thereof), including any and all content contained on the site, at any time without notice. You agree that ProSurance Group Inc. shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Site (or any portion thereof).

Disclaimers

While ProSurance Group Inc. has been diligent in the ensuring the accuracy of the contents of this website, the information, names, images, pictures, logos, and icons regarding or relating to the ProSurance Group Inc., or the products and services of the same or to third-party products and services, are provided on an as-is basis without any representation or endorsement being made and without any warranty of any kind, whether express or implied, including, but not limited to, any implied warranties of satisfactory quality, appropriate for a particular purpose, non-infringement, compatibility, security and accuracy. To the extent permitted by law, all such terms and warranties are hereby excluded. In no event will ProSurance Group Inc.be liable (whether in contract or tort, including negligence or breach of statutory duty or otherwise for any losses sustained and arising out of or in connection with use of this website including, without limitation, loss of profits, loss of data, or loss of goodwill in all of these cases, whether direct or indirect, nor any indirect, economic, consequential or special loss
ProSurance Group Inc. does not represent that the information contained in this website is accurate, comprehensive, verified or complete, and shall accept no liability for the accuracy or completeness of the information contained in this website or for any reliance placed by any person on the information.

ProSurance Group Inc. does not warrant that the functions or materials accessible from or contained in this website will be uninterrupted or error free, that defects will be corrected or that this website or the server that makes it available are virus or bug-free or represent the full functionality, accuracy, and reliability of the materials.

If any of these Terms and Conditions (or any terms and conditions relating to a product or service referred to in this website) should be determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which such terms and conditions are intended to be effective, then to the extent of such illegality, invalidity or un enforceability, and in relation to such state or country only, such terms or condition shall be deleted and severed from the rest of the relevant terms and conditions and the remaining terms and conditions shall survive, remain in full force and effect and continue to be binding and enforceable.

Intellectual Property Rights

All Intellectual Property Rights (including, without limitation, all database rights, rights in designs, rights in know-how, patents and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction) in any information, content, materials, data, or processes contained in or to this website belong to the ProSurance Group Inc. or its licensed source. All rights of ProSurance Group Inc. in such Intellectual Property Rights are hereby reserved.

Trademarks

The images, logos, and names on this website that identify the ProSurance Group Inc. are proprietary marks of the ProSurance Group Inc. or the relevant third parties. Nothing contained in this website shall be deemed to confer on any person any license or right on the part of ProSurance Group Inc. or any third party with respect to any such image, logo, or name.
Trademarks that are used or displayed on this site are owned by ProSurance Group Inc. In addition, ProSurance Group Inc. custom graphics, logos, button icons, scripts, and page headers are covered by trademark, trade dress, copyright, or other proprietary right law, and may not be copied, imitated, or used, in whole, partial or modified form, without the prior written permission of ProSurance Group Inc. Other trademarks, service marks, registered trademarks, product and service names, and company names or logos that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by ProSurance Group Inc.

Privacy Policy

Please view our Privacy Policy, which explains ProSurance Group Inc.'s practices relating to the collection and use of your information through or in connection with our site. ProSurance Group Inc.'s use of your information is governed at all times by our Privacy Policy, which is incorporated into these Terms. You understand that through your use of this website, you consent to the collection and use of this information.

Acceptable Use

You agree to use our website and the content, whether provided by us or others, as well as any software provided in connection with the website, in a manner consistent with all applicable laws and regulations. Additionally, you will not take any of the following actions with respect to our site, related software, or content, nor will you use our site or related software to upload, post, email, distribute, transmit, link, solicit, or otherwise make available any content or use our site in any manner that:

is unlawful, harmful to minors, threatening, harassing, abusive, defamatory, slanderous, vulgar, gratuitously violent, obscene, pornographic, indecent, lewd, libelous, invasive of another's privacy, or racially, ethnically or otherwise offensive, hateful or abusive;
infringes on someone else's patent, trademark, trade secret, copyright, or other intellectual property or other rights;
removes any proprietary notices or labels on the content;
advocates or solicits violence, criminal conduct or the violation of any local, state, national or international law or the rights of any third party;
is deceptive in any way, such as an offer to sell fraudulent goods or contains an impersonation of any person or entity or misrepresents an affiliation with a person or entity;
specifically advertises firearms or ammunition, tobacco, alcohol, illegal drugs, or other contraband;
constitutes unsolicited or unauthorized advertising, junk or bulk e-mail (SPAM), chain letters, or any other unsolicited commercial or non-commercial communication;
interferes with others using the sites;
is off-topic according to the description of the group, forum, or web page;
contains software viruses, worms, time bombs, corrupted files,Trojan horses or any other computer code, files, or programs that are designed or intended to disrupt, damage, overburden, impair or limit the functioning of any software, hardware, network, server or communications systems or equipment;
contains a charity request, petitions for signatures, chain letters or letters relating to a pyramid scheme;
disrupts, interferes with or inhibits any other user from enjoying the websites or other affiliated or linked websites, material, contents, products, and/or services.
uses any robot, spider, or other such programmatic or automatic device, inducing but not limited to automated dial-in or inquiry devices, to obtain information from the site or otherwise monitor or copy any portion of the site, products and/or services;
creates a false identity for the purpose of misleading others;
prepares, compiles, uses, downloads or otherwise copies any user information and/or usage information for any portion thereof, or transmit, provide, or otherwise distribute, whether or not for a fee, such information to any third party;
uses any ProSurance Group Inc. domain name as a pseudonymous return email address;
contains any offer for unsolicited goods or services or any advertising or promotional materials, except in those areas specifically designated for such purpose such as a classified bulletin board;
provides material support or resources, or conceals or disguises the nature, location, source, or ownership of material support or resources) to any organizations designated by the United States government as a foreign terrorist organization pursuant to section 219 of the Immigration and Nationality Act;
attempts to disable, bypass, modify, defeat or otherwise circumvent any of the digital rights management or other security related tools incorporated into the software or any content or the sites;
reproduces, duplicates, copies, sells, trades, resells or exploits for any commercial purposes, any portion of this sites or content;
publishes, publicly performs or displays, or distributes to any third party any content, including reproduction on any computer network or broadcast or publications media;
systematically collects and uses any content including the use of any data mining, or similar data gathering and extraction methods;
makes derivative uses of the sites or the content;
uses, frames, or utilizes framing techniques to enclose any portion of this sites, including the images found at the sites or any text or the layout/design of any page or form contained on a page; and/or
modifies, translates, de compiles, disassembles, uses reverse engineering or otherwise attempts to derive the source code for the computer systems and other technology that operate our site. For purposes of these Terms, "reverse engineering" shall include the examination or analysis of the site to determine the source code, structure, organization, internal design, algorithms or encryption devices of our site's underlying technology.

Limitation of Liability

IN NO EVENT SHALL PROSURANCE GROUP INC., ITS EMPLOYEES, OFFICERS, REPRESENTATIVES, SERVICE PROVIDERS, SUPPLIERS, LICENSORS, AND AGENTS BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO, LOSS OF USE, LOSS OF PROFITS, OR LOSS OF DATA, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE), OR OTHERWISE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH (i) THE USE OR INABILITY TO USE THIS SITE OR THE CONTENT, MATERIALS, SOFTWARE, INFORMATION OR TRANSACTIONS PROVIDED ON OR THROUGH THIS SITE, OR (ii) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THIS SITE OR THE CONTENT, MATERIALS, SOFTWARE, INFORMATION, PRODUCTS, OR SERVICES ON OR AVAILABLE THROUGH THIS SITE, (iii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM OUR SITE; (iv) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (v) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON OUR SITE; (vi) THE DELAY OR FAILURE IN PERFORMANCE RESULTING FROM AN ACT OF FORCE MAJEURE, INCLUDING WITHOUT LIMITATION, ACTS OF GOD, NATURAL DISASTERS, COMMUNICATIONS FAILURE, GOVERNMENTAL ACTIONS, WARS, STRIKES, LABOR DISPUTES, RIOTS, SHORTAGES OF LABOR OR MATERIALS, VANDALISM, TERRORISM, NON-PERFORMANCE OF THIRD PARTIES OR ANY REASONS BEYOND THEIR REASONABLE CONTROL; OR (vii) ANY OTHER MATTER RELATING TO OUR SITE, EVEN IFPROSURANCE GROUP INC.OR ITS AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE AND/OR SITE-RELATED SERVICES IS TO STOP USING THE SITE AND/OR THOSE SERVICES.

APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OF LIABILITY, IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES SET FORTH ABOVE, SO THIS LIMITATION OF LIABILITY MAY NOT APPLY TO YOU.

If you have questions about our Terms of Use, please contact us.