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Privacy Policy |
Terms & Conditions
| Do Not Call
Policy |
California
Residents - Pacific Property and Casualty Company | Texas
Residents
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American National Property And Casualty Company
(hereinafter ANPAC®)
TERMS AND CONDITIONS OF THIS SITE
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| ANPAC® respects the
privacy of your nonpublic personal information and provides a detailed
explanation of its on-line information gathering and dissemination
practices as part of its Privacy Policy which is available on line
here. |
| POLICY AND
SITE CONTENT |
| In several
locations on the ANPAC® Site, we provide helpful information about
commonly used insurance terminology, frequently asked insurance questions,
and our Company's products. Information presented on such pages is
subject in all respects to the terms, conditions and limitations of
insurance policies covering customers. In the unlikely event that
there is some conflict between an actual insurance policy and any
statements in these terms and conditions, the terms, conditions and
limitations of our insurance policy will govern. |
| LICENSING |
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Nothing on this Site is intended or should be construed as a solicitation
or offer to sell insurance products in any jurisdiction in which
we are not properly licensed.
The words "we," "us," and "our" refer
to ANPAC®, and any agent, independent contractor or assignee
ANPAC® may, in its sole discretion, involve in the provision
of the Service.
The words "you" and "your" refer to each person
accessing this Service and each person who uses the Service with
the permission of the subscriber.
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| CHANGES OF
TERMS OF AGREEMENT |
| Much of our
relationship with you is regulated by state and federal law, including
the Gramm-Leach-Bliley Act, U.S. Pub. L. 106-102, 113 U.S. Stat. 1338
(1999), as well as state regulations regarding security, privacy,
and use of your information. These laws and regulations, as well as
the terms of the Agreement, may change from time to time without notice
to you unless required by law.
Your continued use of the Service following receipt of the Agreement
or notice of a change is considered acceptance of the Agreement
or change.
We encourage you to keep this Agreement for your records. If you
have any questions, ask your ANPAC® Agent.
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| LIMITATION
OF LIABILITY |
Except as
otherwise provided in this Agreement or by law, we are not responsible
for any loss, injury, or damage, whether direct, indirect, special,
consequential or exemplary damages, including lost profits (even if
advised of the possibility thereof) caused by the Service or the use
of the Service or arising in any way out of the installation, operation,
or maintenance of your computer or related equipment.
Under no circumstances, including but not limited to negligence, shall
ANPAC® be liable for any damages, direct, indirect, incidental,
and/or consequential, including without limitation bodily injury,
emotional distress or discomfort, or physical damage resulting from
or in any way related to your use of this Site, including but not
limited to your use, reference to or reliance on any information obtained
on or through this Site. |
| INTERNET CONNECTION |
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You understand and agree that your use of or connection to the
Internet provides opportunity for unauthorized access by a third
party to your computer systems, networks, and any and all information
stored therein. We use a secure server and security protocol to
safeguard the information you provide. We use a secure server implementing
the Secure Socket Layer (SSL) protocol to interact with you when
you provide personal information to us. This technology encrypts
your information so a third party cannot read the information while
in transit. We handle your information securely via 128-bit encryption.
All information transmitted and received through the Internet
is subject to unauthorized interception, diversion, corruption,
loss, access, and disclosure. We shall not be responsible for any
adverse consequences whatsoever of your connection to or use of
the Internet, and shall not be responsible for any use by you of
an Internet connection in violation of any law, rule, or regulation
or any violation of the intellectual property rights of another.
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| EXCLUSION
OF WARRANTIES |
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You agree that any use of this site is at your sole risk and that
this site is provided on an "as is" and "as available"
basis without warranties of any kind, either express or implied.
We do not warrant or make any representations regarding the use
or results of the use of any content or information available on
or through this Site. The accuracy, completeness, sequencing or
timeliness of information is not guaranteed by us and information
is subject to change.
To the fullest extent permitted by law, ANPAC® disclaims all
representations and warranties, express or implied including, but
not limited to: (a) any warranty for content, information, data,
services, uninterrupted access, or products provided through or
in connection with the Safety Insurance Site; (b) any warranties
concerning the availability, accuracy, usefulness, or content of
information, or services offered on or through the Safety Insurance
Site; (c) any warranties that the Safety Insurance Site is free
of viruses, worms, Trojan horses or other harmful components; and
(d) any warranties of title or implied warranties of merchantability
or fitness for a particular purpose, or warranties of noninfringement.
The internet is an open system. Therefore, we cannot and do not
guarantee that the personal information entered by you will not
be misappropriated, intercepted, deleted, destroyed or used by others.
You agree not to hold ANPAC® liable for any loss or damage of
any sort incurred as a result of any such misappropriation, interception,
deletion, destruction, or use of information provided by you through
this site.
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| TERMINATION
OF THIS AGREEMENT |
| You may terminate
your use of the Service at any time by calling or writing the address
provided in this Agreement. We may terminate your use of the Service,
in whole or in part, at any time without prior notice. Your access
to the Service will be terminated automatically if access to your
information is restricted for any reason. |
| NOTICES |
| Except as
otherwise provided in this Agreement, any notice that you send to
us must be mailed to the address listed on the first page of this
Agreement. Such notice is effective when it is actually received by
us and we have had a reasonable opportunity to act, not to be less
than 5 business days. We may, in our sole discretion, act upon verbal
notice from you. |
| AMENDMENTS |
| These Terms
and Conditions may be amended from time to time. Unless otherwise
required by law, we may amend the Terms and Conditions by posting
a notice on our web site. Your continued use of the Service after
the effective date of any amendment, or after a reasonable time not
to exceed 10 calendar days, if no such date is stated, will constitute
your acceptance of the terms of the amendment. We may, from time to
time, revise or update the Service, which may render all prior versions
obsolete. We reserve the right to terminate this Agreement as to all
such prior version and limit access to only the most recent revisions
and updates. |
| NO WAIVER |
| No delay
or omission by us in exercising any rights or remedies under the Agreement
shall impair such right or remedy or be construed as a waiver of any
such right or remedy. Any single or partial exercise of a right or
remedy shall not preclude further exercise of any other right or remedy.
No waiver shall be valid unless signed in writing by us. |
| GOVERNING
LAW/SEVERABILITY |
| The Agreement
shall be governed by and construed in accordance with the laws of
the state of Missouri, without regard to its conflicts of laws provisions.
If any provision of the Agreement is found to be invalid or unenforceable,
the remaining provisions will remain in full force and effect. |
| COPYRIGHT
AND TRADEMARK |
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Third-party content, logos and company names available on or through
this site are the intellectual property of their respective owners.
The contents of this site, including but not limited to graphics,
logos and text, are the property of ANPAC® and its affiliated
companies, and are protected by copyright and other intellectual
property laws.
The name ANPAC® (and associated logos) are either trade names,
service marks and/or registered service marks of American National
Property And Casualty Company, and may not be used under any circumstances
without the express prior written consent of American National Property
And Casualty Company.
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| CAPTIONS |
| The captions
of sections of the Agreement are for convenience only and shall not
control or affect the meaning or construction of any of the provisions.
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| ENTIRE AGREEMENT |
| The Agreement
is the complete and exclusive Agreement between you and us relating
to the Service, which supersedes any prior agreement, oral or written,
and any other communications between you and us related to the Service.
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