Acceptance of Terms
The information contained in this website is accurate to the best of our knowledge. Your enrollment agreement will contain the terms and conditions of your membership.
Our website may occasionally contain links to other websites. We are not responsible for the content of any linked websites and our links do not constitute a referral or endorsement of any product or service provided by the linked entities. Links are provided solely for informational purposes and as a convenience to visitors.
This website (“Website”) is owned and maintained by First Nonprofit Insurance Company (the “Company”), NAIC #10859, domiciled in Illinois. The Company is licensed or otherwise approved to transact insurance in various jurisdictions within the United States.
This Website provides users with access to an online collection of information and materials and certain online services (“Services”). These materials include information related to certain insurance products and services (“Products and Services”) offered by the Company. The Website also contains text, pictures, graphics, logos, button items, images, works of authorship, and other content (collectively with all information and material about Products and Services, “Content”), and may provide access to certain proprietary software used in connection with navigating and utilizing the functionality offered through this Website (“Software”).
PLEASE NOTE: Your access to and use of this Website are subject to these terms of use (“Terms of Use”), as well as all applicable laws and regulations. Please read these Terms of Use carefully. If you do not accept and agree to be bound by any of these Terms of Use, you are not authorized to access or otherwise use this Website or any information, content, Services or Software contained on this Website. Your access to and use of this Website constitute your acceptance of and agreement to abide by each of these terms and conditions set forth below. Unless otherwise indicated, any new Products and Services, Content and Software added to this Website will also be subject to these Terms of Use effective upon the date of any such addition. You are encouraged to review the Website and these Terms of Use periodically for updates and changes.
Limited License and Site Access
The Company hereby grants you a limited license to access and make personal use of this Website but not to download (other than page caching) or modify it, or any portion of it, except with express written consent of the Company. This license does not include any resale or commercial use of this Website or its Contents or Software; any collection and use of any product listings, descriptions, or prices; any derivative use of this Website or its contents; or any use of data mining, robots, or similar data gathering and extraction tools. This Website or any portion of this Website may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without the express written consent of the Company. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of the Company or its affiliates without the Company’s express written consent. You may not use any meta-tags or any other “hidden text” utilizing any of the Company name(s) or service marks without the express written consent of their owners. Any unauthorized use terminates the permission or license granted by the Company.
Availability of Products and Services
Due to various insurance and other regulatory restrictions, certain Products and Services described on this Website are not available to all users. Also, Products and Services may vary by jurisdiction, nor are all Products and Services available or suitable for all United States jurisdictions. EXCEPT AS EXPRESSLY STATED HEREIN, THE INFORMATION CONTAINED ON THIS WEB SITE IS NOT AN OFFER TO SELL OR A SOLICITATION TO BUY ANY INSURANCE PRODUCT OR OTHER PRODUCT OR SERVICE BY COMPANY. No insurance product or other product or service is offered or will be sold by the Company or, if sold by the Company, will be effective in any jurisdiction in which such offer or solicitation, purchase, or sale would be unlawful under the insurance or other laws of such jurisdiction. Please contact a designated Company representative to find out which Products and Services are available to you in your State.
Copyright
Except as otherwise expressly stated, all Content and Software appearing on this Website are the copyrighted work of Company or third party content suppliers and are protected by U.S. and international copyright laws. The compilation (meaning the collection, arrangement and assembly) of all Content and Software is also the exclusive property of Company or their affiliates and is protected by U.S. and international copyright laws.
You may download information from this Website and print out a hard copy for your personal use provided that you keep intact and do not remove or alter any copyright or other notice (e.g., trademark, patent, etc.) contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, reproduce, reuse, post, publish, license, frame, download, store for subsequent use, create derivative works from, transfer, or sell any information or Content obtained from this Website, in whole or in part, including any text, images, audio, and video in any manner, without the prior written authorization of the Company or any applicable third party suppliers. The use of Content, including images, by you, or anyone else authorized by you, is prohibited unless specifically permitted by the Company. The Company does not warrant or represent that your use of Content, Services, Software or any other materials displayed on this Website will not infringe rights of third parties.
Trademarks and Service Marks
The First Nonprofit icon is a trademark, and First Nonprofit is a registered trademark of the Company. All other trademarks, service marks, trade dress, product names, company names or logos, whether registered or not, on the Website are the property of the Company or their respective owners. In addition to complying with all applicable laws, you agree that you will not use any such trademarks, service marks, trade dress, or other logos from this Website without the prior written authorization of the Company.
Ownership of Information Submitted via This Website
With the exception of any personal data or information you submit (which shall be maintained in accordance with our Privacy Statement), any information you transmit to Company via this Website, whether by direct entry, submission, electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of the Company. Such information may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Company shall be free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the Company via this Website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.
Proprietary Software
Any Software accessible through this Website is the property of the Company or its suppliers and is protected by U.S. patent, trade secret, and copyright laws and international treaties. Any use of the Software by you other than as required to navigate and to utilize the intended functionality offered through this Website is prohibited. You agree not to copy, distribute, publicly display, alter, modify, decompile, disassemble, reverse engineer or otherwise attempt to discover the source code of the Software. Further, you agree not to access the Services or Content by any means other than the interface provided by the Company through this Website for your use in accessing the Services and Content.
Prohibited Use
In connection with your use of the Website, you agree you will not (a) Create a false identity for the purpose of misleading others or impersonate any person or entity, including but not limited to any Company representative, or falsely state or otherwise misrepresent your affiliation with a person or entity; or (b) Register, subscribe, attempt to register, attempt to subscribe, unsubscribe, or attempt to unsubscribe, any party for any Product or Service if you are not expressly authorized by such party to do so.
Hyperlinks to Third Party Websites
This Website may contain hyperlinks to other sites owned and operated by parties other than the Company. Such hyperlinks are provided only for ready reference and ease of use. We do not control such websites and cannot be held responsible for their content or accuracy and do not endorse these sites unless we specifically so state. In the event this Website provides hyperlinks to other websites that are not owned, operated or maintained by the Company, you acknowledge and agree that the Company is not responsible for and is not liable for the content, products, services or other materials on or available from such websites. We accept no liability for any information, products, advertisements, content, services or software accessible through these third party websites or for any action you may take as a result of linking to any such website. Any such websites are likely to set forth specific terms of use and privacy policies that you should review. The Company is under no obligation to maintain any link on this Website and may remove a link at any time in its sole discretion for any reason whatsoever. The Company shall not be responsible or liable, directly or indirectly, for any damages or losses caused or alleged to be caused by or in connection with the use of or reliance on such content, products, services or other materials available on or through any such website. The Company is not responsible for the privacy practices of any other websites.
Website Privacy Policy
Our Website Privacy Policy describes the details of the Company’s information practices and procedures for personal information we collect at this Website. We urge you to read our Website Privacy Policy.
Modification to Services
The Company may, at its discretion, modify or discontinue any of the Services, Products and Services, Content or Software, or any portion thereof, with or without notice. The Company will not be liable to you or any third party for any modification or discontinuance of any of the Services, Products and Services, Content or Software.
Disclaimer
Information contained on this Website has been prepared by the Company as a convenience to its users and is not intended to constitute advice or recommendations upon which a user may rely. The Company has used reasonable efforts in collecting, preparing and providing quality information and material, but makes no warranty or guarantee about the accuracy, completeness, or adequacy of the information contained in or linked to this Website or any other Website maintained by the Company. Users relying on information from this Website do so at their own risk.
The information and descriptions contained herein are not intended to be complete descriptions of the terms, exclusions and conditions applicable to the Products and Services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant product or services agreement for complete terms, exclusions and conditions. Should you purchase a Company product, the terms and conditions applicable to that transaction will govern such purchase, and your use of this Website does not affect that purchase in any manner.
Notices
Any notices to you from the Company regarding the Website or these Terms of Use will be posted on this Website or made by email or postal mail.
Electronic Communications
When you visit this Website or send emails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by email or by posting notices on this Website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
General Provisions
Entire Agreement – These Terms of Use, the Privacy Statement, and other policies the Company may post on this Website constitute the entire agreement between the Company and you in connection with your use of this Website and the Content, Services and Software, and supersedes any prior agreements between the Company and you regarding use of this Website, including prior versions of these Terms of Use.
Age and Location of User – All information and content available on this Website are solely directed to individuals 18 years of age or older residing in the United States. The Company makes no representation that the Content, information, products, Services or Software are available for use outside of the United States. Any use of the Services, Content and Software is prohibited where they are not allowed by law.
Governing Law; Jurisdiction; Venue; Severability of Provisions
The Terms of Use are governed by the laws of the State of Illinois, USA and controlling United States Federal Law without regard to any conflicts of law provisions. If any provision is deemed by a court of competent jurisdiction to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions. The section headings are for convenience only and do not have any force or effect.
Password Accounts, Passwords, and Security
If you have been given the option to open an account on this Website which will provide you with access to password protected portions of the Website and you elect to do so, you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form, and choose a password and user name. You are entirely responsible for maintaining the confidentiality of your password and account and for any and all activities that occur under your account. You agree to (a) immediately notify the Company of any unauthorized use of your account or any other breach of security of which you become aware, and (b) exit completely from your account at the end of each online session. The Company will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by the Company or another party due to someone else using your account or password. You may not use anyone else’s account at any time, without the permission of the account holder.
Severability
To the maximum extent possible, each of the disclaimers and each of the provisions of the Terms of Use shall be interpreted in such a manner as to be valid and enforceable under applicable law. If any provision hereunder is held to be invalid or unenforceable under applicable law, such provision shall be deemed modified so as to be rendered valid and enforceable while implementing, to the greatest extent possible, the original intent of such provision. If such reformation is not possible or permitted, the invalidity or unenforceability of such a provision shall not otherwise impact the validity or enforceability of the remaining provisions hereunder.
Waiver
No waiver of any term or condition herein shall be deemed a further or continuing waiver of such term or condition or any other term or condition.
Modification of Terms
The Company reserves the right to modify these Terms of Use without notice to you, and your continued use of the Website after such modifications will make such modifications binding on you. These Terms of Use are effective until terminated or updated by the Company. In the event of termination of these Terms of Use, the disclaimers and limitations of liabilities set forth in the Terms of Use will survive. The modified Terms of Use will apply only to disputes that arise after the modification has been posted on the Website. After the Terms of Use have been modified, the Website will provide a link to a Notification of Modification for Website users for a period of one (1) year after the effective date of such modification.
Contacting Us
If you have any questions about these Terms of Use, please write to us at info@firstnonprofit.com.
Last Updated: June 13, 2012