Permitted Uses and Users
Agreement to be Legally Bound by These Terms
The content on the Site, including without limitation, the materials, information, text, software, code, scripts, graphics, photos, sounds, music, videos, interactive features and the like, as well as the trademarks, service marks, and logos (collectively, the "Content"), are owned by or licensed to FMIC unless expressly disclaimed and are subject to copyright, trademark and other intellectual property rights under the law.
You may download the Content only for the purposes stated above. This license is not a transfer of title in the Content or any copies of the Content and is subject to the following restrictions:
- You may not modify the Content in any way (including the removal of any copyright or other proprietary notice contained in the Content), or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose; and
Permissions and Restrictions
A. You agree not to distribute any part of the Site, in any medium, without the prior written consent of FMIC other than through functions and features provided through the Site (such as a downloadable image).
B. You agree not to alter or modify any part of the Site.
C. You agree not to use any part of the Site for any commercial use without the prior written authorization of FMIC. Prohibited commercial uses include without limitation any of the following actions taken without FMIC's express written approval: 1) sale of access to the Site on another website; 2) use of the Site or any information on the Site for the purpose of gaining advertising or subscription revenue; or, 3) the sale of advertising on the Site or any third-party website targeted to any information on the Site.
D. Prohibited commercial uses do not include uploading of original material to the Site approved in advance or expressly authorized by FMIC in writing.
G. FMIC reserves the right to discontinue any aspect of the Site at any time.
THE SITE, AND CONTENT ON THE SITE, ARE PROVIDED "AS IS" WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT, OR FITNESS FOR ANY PARTICULAR PURPOSE.
Third Party Sites
As a convenience to you, FMIC may provide, on the Site, links to websites operated by other entities. If you link to and use any such websites, you will leave this Site, and you may be subject to the terms and conditions governing the use of such websites. Clicking on any link within this Site to a third party website is done solely at your own risk, and it is your responsibility to take all protective measures to guard against viruses or other destructive elements that may arise or result from the use of any website.
FMIC makes no warranty or representation regarding, and does not endorse, any linked websites or the information appearing thereon or any of the products or services described thereon. Links to third party websites do not imply that FMIC or this Site sponsors, endorses, is affiliated or associated with such third parties, or that FMIC is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through such websites, or that any linked website is authorized to use any trademark, trade name, logo or copyright symbol of FMIC.
Information Provided By You
Do not send other business proposals, inventions or ideas to FMIC through the Site. You agree that any materials or information that you or individuals acting on your behalf provide to FMIC will not be considered confidential or proprietary, except to the extent it is nonpublic personal information covered by the FMIC Insurance Group Privacy Notice.
To the extent you provide anymaterials or information to FMIC other than nonpublic personal information, you grant to FMIC an unrestricted, perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, sublicense, transmit and distribute such materials and information, in any medium and in any form, and you further agree that FMIC is free to use any ideas, concepts or know-how that you or individuals acting on your behalf provide to FMIC through or by means of this Site.
You further recognize that FMIC does not want you to, and you warrant that you will not, provide any information to FMIC that is defamatory, threatening, obscene, harassing, or otherwise unlawful, that infringes the intellectual property rights of another, or incorporates the proprietary material of another except as authorized.
In order to access some features of the Site, you may have to create a username account. The information you provide at that time will constitute the basis for your username account. You may never use another's username account without permission.
You are solely responsible for the activity that occurs on your username account. Should you establish a username and password on the Site, you must keep your username account password secure. FMIC is not responsible for any other User or third party’s use or theft of your username and password. You must notify FMIC immediately of any breach of security or unauthorized use of your username account. Although FMIC will not be liable for your losses caused by any unauthorized use of your username account, you will be liable for the losses of FMIC or others due to such unauthorized use.
FMIC Insurance reserves the right to take appropriate action against any person who misrepresents his or her identity or improperly or fraudulently accesses policy information on this site. This action may include, but is not limited to, legal action against any person accessing policy information in violation of any state or federal law or regulation.
FMIC may use the information you provided on this and any other website operated by FMIC for any purpose, commercial or non-commercial, including distribution of electronic mail messages to any email address provided.
Limitations of Damages
IN NO EVENT WILL FMIC, ITS EMPLOYEES, OFFICERS, DIRECTORS OR ANY OF ITS SUBSIDIARIES BE LIABLE TO ANY PERSON OR ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON ANY INFORMATION HANDLING SYSTEM) THAT ARE RELATED TO THE USE OF, OR THE INABILITY TO USE ANY ASPECT OF THE SITE INCLUDING THE CONTENT AND FUNCTIONS OF THE SITE OR ANY LINKED WEBSITE, EVEN IF FMIC IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Location of Use and Choice of Law
This Site is controlled, operated and administered by FMIC from its offices within the State of Maryland, United States of America. FMIC makes no representation that this Site, or any Content within the Site, is appropriate or available for use at other locations outside of the United States and access to them from territories where their contents are illegal is prohibited. The Site is not intended to, and may not be used to, provide information regarding insurance products in any state where FMIC is not licensed to do business. You may not use the Site or export any Content in violation of United States export laws and regulations. If you access this Site from a location outside of the United States, you are responsible for compliance with all local laws.
Relation to Other Agreements or Policies