1.     Parties

Unless otherwise indicated, in THIS AGREEMENT, parties shall be identified as follows: "YOU" or "YOUR" means both you and any company on whose behalf you may be using this WEB SITE (defined below), including but not limited to, the entity for which you work; "WE," "US," or "OUR " means Fireman's Fund Insurance Company.

2.     General

By accessing any of Fireman's Fund Insurance Company's web sites, or pages thereof, ("WEB SITE"), YOU are agreeing that in return for OUR permission to access the WEB SITE, YOU will be bound by and comply with all of the terms and conditions set out in THIS AGREEMENT. THIS AGREEMENT imposes legal obligations on YOU and affects YOUR legal rights with respect to use of this WEB SITE. Please read it carefully before accessing this WEB SITE.

3.     WEB SITE Ownership/Copyrights/Trademarks/Intellectual Property

This WEB SITE and all its content, including any and all text, data, graphics, logos, or other material, information or content found in this WEB SITE is OUR proprietary content or is the proprietary information or data of a third party owner, who has given US permission to display their content. All such content on this WEB SITE, whether text, data, graphics, logos, material, information or otherwise is hereinafter referred to as "CONTENT."

The CONTENT of this WEB SITE is protected by copyright, trademark and intellectual property laws of the United States and of foreign countries. Unauthorized use of the CONTENT may violate those laws. YOU must retain all copyright and other proprietary notices contained in the original CONTENT on any copy YOU make of any of the CONTENT.  YOU may not sell or modify the CONTENT or reproduce, display, publicly perform, distribute or otherwise use the CONTENT in any way for any public or commercial purpose without OUR express permission or that of the third party owner. YOU may not use any of the CONTENT on any other party's web site or on any other networked computer environment for any purpose whatsoever. If YOU use any CONTENT without expressed permission from the owner of that CONTENT, whether US or a third party, WE or that third party owner may pursue whatever legal options WE or they have, including criminal prosecution.

4.    Limited License to Use

Subject to the terms of THIS AGREEMENT and to any restrictions that may apply to the CONTENT of others, WE authorize YOU to view and download a single copy of the CONTENT as displayed on this WEB SITE solely for internal use or reference only and not for any other commercial or personal use. If YOU wish permission to make multiple copies of any CONTENT, YOU must contact US and make that request. Permission for YOU to make multiple copies of any CONTENT will be at OUR sole discretion. 

5.     Changes to Terms and Conditions

WE may, in OUR discretion, change, modify or revise the terms and/or conditions of THIS AGREEMENT at any time. Any such changes will be posted on this WEB SITE thirty (30) days before those changes, modifications or revisions become effective. YOU agree that by accessing this WEB SITE after the effective date of any such change, modification or revision, YOUR use of this WEB SITE will be bound by any such change, modifications or revisions.

6.     DISCLAIMER - No Solicitation

The CONTENT is made available to YOU for informational purposes only. Neither we, nor any of OUR affiliated insurance companies, sell insurance or solicit applications for insurance of any sort via this WEB SITE. References in the CONTENT or otherwise to any of OUR or of any of OUR affiliated companies' products or services that may be found on this WEB SITE are not intended to constitute offers to sell or solicitations in connection with any insurance product or service.

7.     DISCLAIMER - No Insurance Coverage Created

WE may make insurance policy related information accessible through this WEB SITE. That information may include records of the insurance policies actually issued to an insured. If WE make such records accessible through this WEB SITE, only those records and nothing else in the CONTENT of this WEB SITE constitute evidence of any insurance policy or the coverage terms, conditions and/or exclusions of any insurance policy. Nothing in the CONTENT of this WEB SITE, and no statement in the CONTENT of this WEB SITE alters, modifies, changes, or creates any term, condition or exclusion of, or the coverage provided or excluded through or by any term, condition or exclusion of any insurance policy. The insurance policy, insurance policy coverage forms and/or insurance policy endorsements actually issued to an insured, and not any CONTENT or any statement in the CONTENT of this WEB SITE, forms the contract between the insured and the insurance company.

Neither we, nor any of OUR affiliated companies, shall be held responsible for any versions or copies of any insurance policy, insurance policy coverage forms, endorsements or applications or related information provided as CONTENT on this WEB SITE or on or in any linked web sites that is altered, revised, changed, or misprinted by YOU, or that is altered, revised, changed, misprinted or corrupted as a result of transmission over the Internet, or as a result of interaction with any computer or internet based programming code, whether describable as a "virus," "worm," "Trojan Horse," or by any other description, that is designed to or intended to damage, alter, change or in any way to modify information or data from that originally created, presented or displayed on or access through this WEB SITE.

8.     DISCLAIMER - No Warranties

WE WILL USE REASONABLE CARE TO PROVIDE ACCURATE INFORMATION, BUT WE DO NOT GUARANTEE OR WARRANT THE CONTENT FOUND ON THIS WEB SITE IS ACCURATE. WE DISCLAIM ANY LIABILITY FOR ANY INADVERTENT INACCURACY.

THIS WEB SITE AND ANY OF THE CONTENT PROVIDED THEREIN ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NO ORAL ADVICE OR WRITTEN INFORMATION GIVEN BY US, OUR EMPLOYEES, AGENTS, THIRD-PARTY INFORMATION PROVIDERS, MERCHANTS, LICENSORS OR THE LIKE, SHALL CREATE A WARRANTY, AND YOU MAY AND SHALL NOT RELY ON ANY SUCH INFORMATION OR ADVICE.

9.     DISCLAIMER - Limitation of Liability/Damages

YOUR use of this WEB SITE and/or any CONTENT is at YOUR own risk. If YOU are dissatisfied for any reason with this WEB SITE, or the CONTENT, or with the terms of THIS AGREEMENT, YOUR sole remedy is to discontinue using this WEB SITE and/or the CONTENT.

10.     DISCLAIMER - Links out to Other Sites

This WEB SITE may contain links to third party Web sites. These links are provided solely as a convenience to YOU, and not as an endorsement by US of the content of such third party web sites, or of the products or services marketed or made available through those web sites.

WE are not responsible for the content of linked third-party sites, and WE make no representations regarding the content or accuracy of materials on such third party web sites. If YOU decide to access linked third party web sites, YOU do so at YOUR own risk. WE are not a distributor, marketer, or reseller of the products or services offered on the web sites of others to which WE have provided a link, and, in the event and to the extent WE are held responsible to any degree for such products or services, WE make the same disclaim of warranties as respect those products or services as are set out in the Disclaimer - No Warranties and Disclaimer-Limitation of Liability/Damages provisions set out above.

11.     Indemnity

YOU agree to assume any and all responsibility for YOUR conduct in the access and use of this WEB SITE. YOU agree to indemnify, defend and hold harmless US and OUR parent, business affiliates, subsidiaries, affiliates, officers, directors, employees, attorneys and agents, from and against any and all damages, claims, suits, losses and actions (including reasonable attorney's fees), regardless of by whom brought, which results from or arises out of YOUR use of any CONTENT or YOUR breach of THIS AGREEMENT.

12.     Placing OUR Logo, or a Link to This WEB SITE, On YOUR Web Page

YOU are granted no right to and are expressly prohibited from creating or providing links to this WEB SITE. 

If you wish to create a hyper-link to this WEB SITE or place OUR logo on YOUR web site, you must read, agreed to, and comply with OUR Hyper-link and Logo Usage Agreement (Web).

13.     Import/Export Control

If YOU violate any term or condition of THIS AGREEMENT, YOUR permission to use this WEB SITE, and/or any CONTENT provided to YOU through this WEB SITE automatically terminates and YOU must immediately stop using this WEB SITE, and YOU must destroy any copies YOU have made of any of the CONTENT of this WEB SITE.

WE make no representation that any CONTENT may be lawfully downloaded outside of the United States. Access to the CONTENT may not be legal by certain persons or in certain countries. If YOU access this WEB SITE from outside of the United States, YOU do so at YOUR own risk and YOU are responsible for compliance with the laws of YOUR jurisdiction.

The United States controls the export of products and information. YOU agree to comply with such restrictions and that YOU will not export or re-export any of the CONTENT (including any software) to countries or persons prohibited under any U.S. export control laws. By downloading any CONTENT on this WEB SITE or on other web sites to which YOU link from this WEB SITE (including software, if any), YOU are agreeing that YOU are not (i) in a country to which such export is prohibited or (ii) a person or entity to which such export is prohibited. YOU are responsible for compliance with the laws of YOUR local jurisdiction regarding the import, export, or re-export of products or materials.

14.     Governing Law

THIS AGREEMENT is governed by the internal substantive laws of the State of California, without respect to its conflict of laws principles. If any provision of THIS AGREEMENT is found to be invalid by any court having competent jurisdiction, the invalidity of that provision shall not affect the validity of the remaining terms or conditions of THIS AGREEMENT , which terms and conditions shall remain in full force and effect.

15.     Waiver

No waiver of any term or condition of THIS AGREEMENT shall be deemed a further or continuing waiver of such term or condition or any other term or condition of THIS AGREEMENT.

16.     Violations of Terms

If YOU violate any term or condition of THIS AGREEMENT, YOUR permission to use this WEB SITE, any/or any CONTENT provided to YOU through this WEB SITE, automatically terminates, YOU must immediately stop using this WEB SITE, and YOU must destroy any copies YOU have made of any of the CONTENT of this WEB SITE.