|
|
|
Terms and Conditions of Use: |
 |
Thank
you for visiting our site! Through
this website, Northern Insurance Services,
Inc. lends you admittance to an assortment
of resources about Insurance and the
services provided by our company. These,
including any updates, augmentations,
new features, and/or addition of any
new webpages are subject to these Terms
of Use.
We may periodically change these Terms
without any notice, so please check back
from time to time. By accessing and using
this website, you agree to our Terms of
Use. |
This Terms and Conditions of Use Agreement ("Agreement") is a legal agreement between
you and Northern Insurance Services, Inc. ("Northern")
governing your use of this Web site (the "site").
YOUR USE OF THIS SITE IS SUBJECT TO THE TERMS AND CONDITIONS OF THIS AGREEMENT.
BY ACCESSING, USING AND/OR VIEWING OUR SITE, YOU HEREBY AGREE TO BE BOUND BY THE
TERMS OF THIS AGREEMENT. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, YOU
MUST EXIT THIS SITE. PLEASE NOTE THAT CHILDREN UNDER THE AGE OF THIRTEEN (13) ARE
PROHIBITED FROM USING ANY NORTHERN SITE.
Occasionally, the terms of this Agreement may change. If you access our site at
any time after such a change in terms of the Agreement is posted, then you are deemed
to have accepted and agreed to all of the revisions.
LICENSE AND WEBSITE ACCESS. Users under the age of thirteen (13)
are prohibited from using the site. Provided that you are not under the age of thirteen
(13), we hereby grant you a personal, non-exclusive, non-transferable, revocable
license to access our site and the information contained within the site. You may
not assign or sublicense this license. The site and information contained within
the site may not be distributed, modified, reproduced, transmitted or used commercially
in whole or in part without our written permission, except you may make a limited
number of copies for your own personal, noncommercial use.
Our site contains software tools and databases that allow you to search and retrieve
information. You may not (1) sell, distribute or commercially exploit such software
tools, databases or the results of any database search performed on this site, (2)
use any data mining, robots, or similar gathering and extraction tools, or (3) sell,
rent, lease, lend, or transfer any services provided on this site.
You may use our services for lawful purposes only. You may not use our services
to post, transmit or otherwise distribute unlawful material. Examples of unlawful
material include, but are not limited to, threats of physical harm, defamatory statements,
pornographic material, and copyrighted, trademarked, and other proprietary material
used without proper authorization. You may not attempt to use or distribute tools
designed for compromising security or take action to compromise the security of
this site. Examples of these tools include, but are not limited to, password guessing
programs, cracking tools, or network probing tools. You may not "flood" or disrupt
our site through any means or process. You are responsible for all use of our services
and our site, with or without your consent, by yourself and others, which occurs
by, through, or in connection with access to our site via your computer.
COPYRIGHT, TRADEMARKS & TRADE DRESS. All content included on
the site, the compilation of all content on the site and all software used on the
site are the property of Northern Insurance Services, Inc, its affiliates or its content suppliers,
and are protected by U.S. and international copyright laws. Furthermore,
NORTHERN as well as other marks so indicated on the site and other
graphics, logos, images, page headers and titles, button icons, scripts and trade
and service names, are trademarks and/or trade dress of Northern in the U.S. and other
countries.
Except as provided in the "License and Website Access" section above, unless you
receive Northern's prior express written consent, you may not: (1) copy, reproduce,
publish, distribute, create derivative works of, sell, transfer, display, transmit,
compile or collect in a database, or in any manner commercially exploit, any copyright-protected
element of the site, including the content and/or software on the site; (2) make
any use of trademarks and/or trade dress; (3) frame or utilize framing techniques
to enclose any trademark, logo, or other proprietary information (including, but
not limited to, images, text, page layout, and/or form); or (4) use any metatags
or any other "hidden text" utilizing Northern's name or trademarks. Permission requests
may be sent to theadmin@norinsurance.com
PRIVACY. Please review our Privacy Policy to understand our practices
regarding your privacy in connection with our online services.
PERSONAL ID NUMBERS. In order to access certain features of our
site, you must have a Personal Identification Number (PIN). You can request a PIN
from Northern through the site. We require your PIN as part of a verification system
designed to protect your privacy and security. You are not required to select a
PIN, but if you choose to do so, you are responsible for maintaining its security.
DISCLAIMER. Our site contains various types of information originating from ourselves
or third parties, including outside vendors that provide health-related information
or goods and services. The site provides information about health issues designed
to help users make better decisions. But medical information is not the same as
medical advice. Although we go to great lengths to make sure our information is
accurate and useful, we urge you to consult a physician if you want professional
assurance that our information, and your interpretation of our information, is appropriate
to your particular situation.
AS THE USER OF THIS SITE, YOU ASSUME FULL RISK AND RESPONSIBILITY FOR ANY AND ALL
USE OF THIS SITE, INCLUDING THE INFORMATION PRESENTED ON THE SITE. THE SITE IS INTENDED
TO BE A GENERAL INFORMATION RESOURCE ONLY AND DOES NOT CONSTITUTE MEDICAL ADVICE
AND IS NOT A SUBSTITUTE FOR PROFESSIONAL MEDICAL ADVICE OR TREATMENT. YOU ARE RESPONSIBLE
FOR SEEKING PROFESSIONAL MEDICAL ADVICE IF YOU HAVE ANY QUESTIONS ABOUT YOUR HEALTH
OR A HEALTH CONDITION. YOU AGREE TO HOLD NORTHERN AND ITS AFFILIATES HARMLESS FROM ANY
AND ALL CLAIMS RELATING TO YOUR USE OF, YOUR RELIANCE UPON, OR ERRORS OR OMISSIONS
IN, INFORMATION FOUND ON THIS SITE.
THE SERVICES, INFORMATION AND FUNCTIONS CONTAINED ON OUR SITE ARE PROVIDED "AS IS"
WITHOUT WARRANTY OF ANY KIND. WE EXPRESSLY DISCLAIM ANY AND ALL REPRESENTATIONS
AND WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THOSE OF ACCURACY, COMPLETENESS, NON-INFRINGEMENT,
MERCHANTABILITY AND FITNESS FOR A PARTICULAR USE OR PURPOSE, CONCERNING OUR SERVICES
OR THE ADEQUACY, ACCURACY OR COMPLETENESS OF THE INFORMATION OR SERVICES INCLUDED
ON OUR SITE, OR THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. WE EXPRESSLY
DISCLAIM LIABILITY FOR ERRORS IN OR OMISSIONS FROM SERVICES, INFORMATION, OR MATERIALS,
INCLUDING HEALTH-RECORD HISTORIES, PRESCRIPTION AND NONPRESCRIPTION DRUG PURCHASE
HISTORIES, OR PRESCRIPTION REFILL INFORMATION. WE ARE NOT RESPONSIBLE FOR THE CONTENT
OF ANY LINKED WEBSITE OR ANY LINK CONTAINED IN A LINKED WEBSITE, EXCEPT TO THE EXTENT
THAT SUCH WEBSITE OR LINK IS OWNED AND OPERATED BY NORTHERN OR ITS AFFILIATE(S).
LIMITATION OF LIABILITY. Use of our services is at your own risk.
With regard to outside vendors and information providers, we do not endorse, or
otherwise recommend or approve any product or information located on or available
through our site. We do not own or control other networks, sites, or hyperlinked
sites outside of our own site, including the outside vendors accessed through our
site.
WE WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY HARM TO YOU OR OTHERS RESULTING
FROM THE USE OF OUR SITE AND/OR THE PRODUCTS AND SERVICES PROVIDED THROUGH OUR SITE.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE BE LIABLE TO YOU OR
ANYONE ELSE FOR ANY SPECIAL, INCIDENTAL, DIRECT, INDIRECT, CONSEQUENTIAL OR PUNITIVE
DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR PERSONAL INJURY,
WRONGFUL DEATH, LOSS OF REVENUE, BUSINESS INTERRUPTION, LOSS OF BUSINESS INFORMATION
OR ANY OTHER PECUNIARY LOSS, LOSS OF TECHNOLOGY, LOSS OF RIGHTS OR SERVICES, LOSS
OF DATA, INTERRUPTION OR LOSS OF USE OF ANY EQUIPMENT, MENTAL ANGUISH, EMOTIONAL
DISTRESS, OR INVASION OF PRIVACY, ARISING OUT OF THE USE OF OR INABILITY TO USE
OUR SITE AND/OR THE PRODUCTS AND SERVICES PROVIDED THROUGH OUR SITE, EVEN IF WE
HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER UNDER THEORY OF CONTRACT,
TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.
WE ARE NOT RESPONSIBLE OR LIABLE FOR THE ACTS OR OMISSIONS OF OUTSIDE VENDORS OR
INFORMATION PROVIDERS, OR FOR PERFORMANCE (OR NON-PERFORMANCE) WITHIN OUTSIDE NETWORKS
OR INTERCONNECTION POINTS BETWEEN OUR SITE AND OTHER NETWORKS AND/OR SITES THAT
ARE OPERATED BY THIRD PARTIES. WE ALSO MAKE NO REPRESENTATION REGARDING YOUR ABILITY
TO TRANSMIT AND RECEIVE INFORMATION FROM OR THROUGH OUR SITE, AND YOU AGREE AND
ACKNOWLEDGE THAT AT TIMES YOUR ABILITY TO ACCESS OUR SITE MAY BE IMPAIRED OR DISRUPTED.
ALTHOUGH WE WILL USE COMMERCIALLY REASONABLE EFFORTS TO TAKE ANY ACTION WE CONSIDER
APPROPRIATE TO REMEDY AND AVOID SUCH EVENTS, WE CANNOT GUARANTEE THAT THEY WILL
NOT OCCUR, AND ACCORDINGLY WE DISCLAIM ANY AND ALL LIABILITY RESULTING FROM OR RELATED
TO SUCH EVENTS.
WE ARE NOT LIABLE FOR ANY FAILURE OR DELAY IN OUR PERFORMANCE DUE TO ANY CAUSE BEYOND
OUR REASONABLE CONTROL, INCLUDING ACTS OF WAR, ACTS OF GOD, EARTHQUAKE, FLOOD, EMBARGO,
RIOT, SABOTAGE, LABOR SHORTAGE OR DISPUTE, GOVERNMENTAL ACT OR FAILURE OF THE INTERNET.
INDEMNIFICATION. You agree to defend, indemnify and hold Northern
Insurance Services and its principals, officers, employees, agents, affiliates and
successors harmless from and against any and all claims, demands, liabilities, judgments,
losses, damages, costs, fees and expenses (including but not limited to reasonable
attorneys' fees) arising from or relating to your use of the site or your acts or
omissions, including but not limited to (1) infringement or misappropriation of
any intellectual property rights, (2) defamation, libel, slander, obscenity, pornography,
or violation of the rights of privacy or publicity, (3) spamming, or any other offensive,
harassing or illegal conduct or violation of this Agreement, or (4) any damage or
destruction to our site, to us, or to other persons or parties.
TERMINATION AND INVESTIGATION. Northern may terminate the license granted
to you under the above "License and Website Access" section at any time if you are
in breach of this Agreement. The license will terminate immediately without notice
from Northern if, in Northern’s sole discretion, you fail to comply with any term or provision
of this Agreement. Upon such termination, you may not access, use, or view the site.
We reserve the right to investigate suspected violations of this Agreement. If we
become aware of possible violations, we may initiate an investigation that may include
gathering information from you or any user involved and the complaining party, if
any, and examination of other material. We may suspend the provision of our services
temporarily, or we may permanently remove the material involved from our servers,
cancel posts, provide warnings to you, or suspend or terminate your access to our
services. We will determine what action will be taken in response to a violation
on a case-by-case basis, and at our sole discretion. We will fully cooperate with
law enforcement authorities in investigating suspected lawbreakers.
BREACH. You hereby acknowledge that your breach of this Agreement
may result in immediate and irreparable harm to Northern, for which there will be no
adequate remedy at law, and that Northern shall be entitled to equitable relief to compel
you to cease and desist all unauthorized use, evaluation and/or disclosure of information
obtained through the site. Your breach of this Agreement may also entitle Northern to
bring an action against you for any and all other remedies available at law or in
equity.
JURISDICTION. We operate and control our site from our location
in California , United States of America . We make no representation that any information,
materials or functions included on or through our site are appropriate for use in
any other jurisdiction. If you choose to access our site from locations other than
California , you do so on your own initiative and are responsible for compliance
with applicable laws and regulations.
This Agreement, and the rights and obligations of you and Northern hereunder, shall
be governed by, and construed in accordance with, the laws of the State of California
. You further agree that any legal action or proceeding between you and Northern
arising
out of or relating to this Agreement or your use of the site shall be brought exclusively
in a federal or state court of competent jurisdiction sitting in Los Angeles, California,
and you hereby expressly and irrevocably consent to the jurisdiction and venue of
such courts.
NO WAIVER; SEVERABILITY. A waiver of any breach of any provision
of this Agreement shall not be deemed to be a waiver of any repetition of such breach
or in any manner affect any other terms or conditions of this Agreement. In the
event that any provision of this Agreement is held to be unenforceable, it will
not affect the validity or enforceability of the remaining provisions and will be
replaced by an enforceable provision that is the closest to the intention underlying
the unenforceable provision.
ASSIGNABILITY. We may assign our rights and delegate our duties
under this Agreement either in whole or in part at any time, at our sole discretion,
and without your consent. You may not assign, sublicense or otherwise transfer your
rights or obligations, in whole or in part, under this Agreement to anyone else.
RELATIONSHIP. This Agreement does not establish any relationship
of partnership, joint venture, employment, franchise or agency between you and us.
Thank you for taking the time to review this Agreement. We look forward to providing
services to you.
|
|
|
|