Terms and Conditions

Effective as of January 15, 2016

Welcome to www.gi.insure! General Indemnity Group LLC, a Delaware corporation, and/or its subsidiaries and affiliated companies ("we," "our," or "GIG") own and operate the www.gi.insure website and any derivative website on which these Terms of Use are posted. We have adopted these Terms of Use ("Terms of Use" or "Agreement") to make you aware of the terms and conditions of your use of the www.gi.insure website, any derivative websites on which these Terms of Use are posted, and any Content or other products or services that are offered or provided via the aforementioned websites (collectively, the "Website"). If you purport to be the agent of, represent, or otherwise act on behalf of an entity or any other person, references to "you," "your" or "User" shall include such entity or person in addition to you, and your acceptance of this Agreement shall constitute acceptance on behalf of such entity or person.

GIG reserves the right, at its discretion, to change, modify, add or remove portions of these Terms of Use at any time by posting such changes to this page. If you have previously registered an account, GIG will endeavor to notify you of such changes via the email address you provided to GIG. You understand that you have the affirmative obligation to check these Terms of Use periodically for changes, and you hereby agree to periodically review these Terms of Use for such changes. The continued use of the Website following the posting of changes to these Terms of Use will constitute your acceptance of those changes.

BY USING OR OTHERWISE ACCESSING THE WEBSITE, CREATING, REGISTERING OR ACCESSING AN ACCOUNT, POSTING OR DOWNLOADING CONTENT, OR ANY OTHER INFORMATION TO OR FROM THE WEBSITE, PURCHASING ANY PRODUCTS OR SERVICES VIA THE WEBSITE OR MANIFESTING YOUR ASSENT TO THESE TERMS OF USE IN ANY OTHER MANNER, YOU HEREBY UNEQUIVOCALLY AND EXPRESSLY AGREE TO, AND SHALL BE SUBJECT TO, THESE TERMS OF USE. IF YOU DO NOT UNEQUIVOCALLY AGREE TO THESE TERMS OF USE, YOU MAY NOT USE OR OTHERWISE ACCESS THE WEBSITE, CREATE, REGISTER OR ACCESS AN ACCOUNT, POST OR DOWNLOAD CONTENT, OR ANY OTHER INFORMATION TO OR FROM THE WEBSITE, OR PURCHASE ANY PRODUCTS OR SERVICES VIA THE WEBSITE.

General Terms of Use and Restrictions on Use

GIG hereby grants you a limited, nonexclusive, nonassignable, nontransferable license to access and use the Website solely for the noncommercial, personal use of User or the internal business needs of the entity of which User is an authorized representative, as the case may be, subject to your agreement to, compliance with and satisfaction of these Terms of Use. GIG may provide certain services or Content provided by GIG via the Website on a subscription basis (the "Subscription Content"). Upon payment of any applicable fees or other charges associated with such subscription, GIG grants you a limited, non-exclusive, nonassignable, nontransferable license to access and use such Subscription Content for the term of the subscription solely for the noncommercial, personal use of User or the internal business needs of the entity of which User is an authorized representative, as the case may be, and subject to your agreement to, compliance with and satisfaction of these Terms of Use. All rights not otherwise expressly granted by these Terms of Use are reserved by GIG. If you do not comply with the Terms of Use at any time, GIG reserves the right to revoke the aforementioned license(s), limit your access to the Website or restrict your ability to post or download Content, or order products and services. You agree not to reproduce, duplicate, copy, distribute, transmit, sell, trade, resell or exploit for any purpose any portion of or any information from the Website. You may not obscure or remove any proprietary rights notices contained in or on the Content. You are solely responsible for providing, maintaining and ensuring the compatibility of all hardware, software, electrical and other physical requirements necessary for your access to and use of the Website or any part thereof.

GIG may discontinue or alter any aspect of the Website, remove Content from the Website, restrict the time the Website is available or restrict the amount of use permitted at GIG's sole discretion and without prior notice or liability. You agree that GIG may, under certain circumstances, immediately suspend and/or terminate your access to the Website or any part thereof. Cause for such measures shall include, without limitation: (a) breaches or violations of these Terms of Use or other incorporated agreements or guidelines; (b) discontinuance or material modification to the Website; (c) unexpected technical or security issues or problems; (d) extended periods of inactivity; and/or (e) engagement by you in fraudulent or illegal activities. You further agree that such measures shall be taken in GIG's sole discretion and without liability to you or any third party. For purposes of these Terms of Use, references to "post" or "posting" shall refer to any manner of posting, transmitting, uploading, providing, making available or otherwise transferring material or information.

GIG Intellectual Property

Unless otherwise specifically noted in these Terms of Use, images, trademarks, service marks, logos and icons displayed on the Website, including, without limitation, General Indemnity Group LLC is the property of GIG and/or its licensors and may not be used without GIG's prior written consent. Trademarks owned by third parties are the property of those respective third parties. The Website, including, without limitation, the Subscription Content, is the copyrighted property of GIG, and it may not be reproduced, recreated, modified, accessed or used in any manner or disseminated or distributed to any other party in violation of these Terms of Use. Any unauthorized use of any Content, whether owned by GIG or other parties, may violate copyright laws, trademark laws, privacy and publicity laws and communications regulations and statutes. You will not copy, reverse engineer, disassemble, decompile, translate, modify, reproduce, republish, transmit, sell, offer for sale, disseminate or redistribute the intellectual property found in the Website or any part thereof or grant any other person or entity the right or access to do so.

Accounts

For certain aspects of the Website, you may be asked to register an account. In the event you agree to register an account, you will select and/or receive a username and password upon providing registration information and successfully completing the registration process. This account is personal to you, and you will not share it or allow any other person to utilize your account. You are responsible for maintaining the confidentiality of your username and password and are fully responsible for all activities that occur under your username and password. You agree to immediately notify GIG in the event (a) your registration information changes, or (b) you learn of or have reason to suspect any unauthorized use of your account or any other breach of security. You also agree that you will provide truthful and accurate information during the registration process. GIG may refuse to grant a particular username to you for any reason, including, without limitation, in the event GIG determines that such username impersonates someone else, is protected by trademark or other proprietary right law or is vulgar or otherwise offensive.

Content

You acknowledge that the Website may contain or provide access to information, software, photos, video, text, graphics, music, sounds or other material provided by GIG or third parties (collectively, "Content") that are protected by copyrights, patents, trademarks, trade secrets or other intellectual property laws, and that these rights are valid and protected in all forms, media and technologies existing now or hereafter developed. For the avoidance of doubt, references to Content shall include Subscription Content.

Feedback

We welcome your comments, feedback, information, or materials regarding the Website, Content, or GIG's products or services (collectively, "Feedback"). If you submit Feedback to GIG, please note that your Feedback shall become the property of GIG. By submitting your Feedback to GIG, you agree to assign, and hereby irrevocably assign to GIG, all right, title, and interest in and to the Feedback and all copyrights and other intellectual property rights embodied in such Feedback on a worldwide basis. GIG shall be free to use your Feedback on an unrestricted basis. You hereby assign and/or waive, as the case may be, any moral rights that you may have in or to the Feedback.

Widgets

We may deliver Content on the Website via widgets provided by third parties ("Widgets") or allow third parties to post Widgets. These Widgets are controlled by third party content providers ("Widget Providers"). We do not endorse and are not responsible or liable for any Content, advertising, products, or other materials on or available through such Widgets. The Widgets may use "cookies" or otherwise gather or collect information about you, including by asking you to provide information through such Widgets. Your use of these Widgets, and the privacy practices of the Widget Providers, are governed by the applicable Widget Providers' separate terms of use and privacy policies, if any. We strongly encourages you to review any separate terms of use and privacy policies governing use of these Widgets.

GIG's Privacy Policy

GIG collects, stores and uses data collected from you in accordance with GIG's Privacy Policy, located at www.GIG.com/privacy-policy. The terms and conditions of the Privacy Policy are hereby expressly incorporated into these Terms of Use.

Links

The Website may provide, or third parties may provide, links to other websites or resources on the Internet. Because GIG has no control over such websites or resources, you acknowledge and agree that GIG is not responsible for the availability of such external websites or resources, and GIG does not endorse and is not responsible or liable for any Content, advertising, products, or other materials on or available from such websites or resources or for any privacy or other practices of the third parties operating those websites or resources. You further acknowledge and agree that GIG shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any such Content, goods or services available on or through any such website or resource. GIG strongly encourages you to review any separate terms of use and privacy policies governing use of these third party websites and resources.