TERMS AND CONDITIONS

Terms & Conditions for U.S. Standard Websites & Company Information

(Last Updated October 5th, 2012)

By using this site, you signify your agreement to these Terms and Conditions. If you do not agree to these Terms and Conditions, do not use this site.

By using U.S. Standard Insurance Co. software, you agree that you are an authorized person operating on the buyer’s behalf or are the buyer / proposed insured or current insured.

By using our software you state that the information you enter is accurate to the best of your knowledge.

Some information required to determine rates are assumed as is common during the insurance underwriting process.  Occasionally, additional risks found during underwriting can cause the underwriting company to request the rate reflect these risks or that the coverage be placed with another carrier.  In these rare occurrences, U.S. Standard will attempt to find the most suitable replacement and notify all parties involved as soon as possible before proceeding.

Conditions of Use

By using this website and all others owned and maintained by U.S. Standard Insurance Company (henceforth “U.S. Standard”), you agree to the following terms and conditions so please read them carefully. These terms and conditions may be revised at any time by our updating this notice and posting it on our website. You are bound by any such revisions if you continue to use the website after we have posted the changes; and we suggest that you periodically visit this page to review the most recent Terms & Conditions. If you decide to purchase insurance products or services from U.S. Standard the terms and conditions specified in your policy or agreement with U.S. Standard will apply.  All references to “U.S. Standard " include U.S. Standard Insurance Company and its affiliates. 

Restrictions on Use of Materials 

This website is owned and operated by U.S. Standard. Except as otherwise expressly permitted in writing by U.S. Standard, no materials from this website or any website owned, operated, licensed or controlled by U.S. Standard may be copied, reproduced, republished, uploaded, posted, transmitted, hyperlinked, or distributed in any way. You may download material displayed on this website for your use only and provided you do not remove any copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, link or use the content of this website for public or commercial purposes, including the text, images, audio, or other content without U.S. Standard's written permission.

Trademarks & Copyright

All trademarks, services marks, trade names, logos, icons and domain names located on this website are the property of U.S. Standard. Nothing contained on the website should be construed as granting, by implication or otherwise, any license or right to use any trademark, service mark, trade name, logo, icon and domain name displayed on this website without the written permission of U.S. Standard or third party that may own such marks or names displayed on this website. Your use of the trademarks, service marks, trade names, logos, icons and domain names displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of, or used with permission by, U.S. Standard. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Links to Other Websites

This website is hyperlinked to other websites which are not maintained or controlled by U.S. Standard. U.S. Standard is not responsible for the content of those websites. The inclusion of any hyperlinks to such websites does not imply approval of or endorsement by U.S. Standard of those websites, their content or their products and services. If you have difficulty linking to any hyperlinked websites or to report a dead (non-working) link, please send us an e-mail at: corporateinfo@USStandardCo.com


DISCLAIMER

The information and descriptions contained on our website are not intended to be complete descriptions of all terms, exclusions and conditions applicable to every insurance product or service offered by U.S. Standard, but are provided 'as is' and for general informational purposes. U.S. Standard makes no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes. U.S. Standard does not warrant that the website will operate error free or is free from viruses, worms, Trojan horses or other destructive or harmful code. U.S. Standard also assumes no responsibility, and shall not be liable for, any damages to your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website or arising in connection with any failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, or line or system failure.

U.S. STANDARD DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.


LIMITATION OF LIABILITY

To the maximum extent provided by law U.S. Standard shall not be liable to you for damages of any kind whatsoever including, but not limited to, direct, indirect, consequential, special, incidental, including without limitation, lost profits or damages resulting from lost data or business interruption, or punitive damages of any kind whatsoever that may result from your use of or inability to use this website or the materials or services provided on this website or the products or services received from this website. Exemptions of implied warranties may not be allowed in all jurisdictions.  U.S. Standard reserves the same right to rescind policy numbers and revoke temporary coverage under certain circumstances.  Until the policy has been formally accepted by the insured and application signed and returned, U.S. Standard is not responsible for unfinished agreements between the buyer / insured and the underwriting company nor will U.S. Standard be held liable for any loss, action, or lack of action during the time between when the Declarations Page is issued and when the binding permanent coverage is completed with the chosen underwriting company.

ADDITIONAL INDEMNIFICATION/LEGAL RELIEF
You agree to indemnify and hold U.S. Standard harmless from and against any and all loss, cost, damage, or expense including, but not limited to, reasonable attorneys' fees incurred by U.S. Standard arising out of any action at law or other proceeding necessary to enforce any of the terms, covenants or conditions of the Agreement or due to your breach of this Agreement.

 

JURISDICTIONAL ISSUES

U.S. Standard makes no representation that all insurance products and services on this website are appropriate or available for use in your state. Some insurance products and services may not be available in all states or jurisdictions. If you choose to access this website you do so on your own initiative and are responsible for compliance with any local, state and federal laws. The information contained on this website is not an offer to sell or a solicitation to buy, any insurance product or service. No insurance product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance or other laws of such jurisdiction. Use of this site will be governed and construed in accordance with the laws of the State of Georgia.

 

SOFTWARE LICENSES

You acknowledge that any software available or provided to you on this website may contain technology that is subject to strict controls by various agencies of the United States Government pursuant to United States export control laws and regulations. You hereby agree that you will not transfer or export such software from the United States (including, for example, providing such software to any foreign person or entity in the United States) or re-export such software outside the United States in violation of United States export laws and regulations. U.S. Standard does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by the United States export controls laws and regulations.

CONSENT

You hereby understand and agree that by using this Web Site, you automatically and without any further action have established a business relationship between you and U.S. Standard. As a result you agree to allow U.S. Standard to contact you about its business via telephone, e-mail and /or standard mail using the contact information you have provided. You hereby consent to such contact even if your phone number is on any Do Not Call list.

Information Gathering
The level of information gathered by U.S. Standard varies depending upon your request. The gathering of this information is designed with you in mind so that we can better service the products we offer you.
At U.S. Standard, our commitment is to secure your privacy on the web. Please read the following Internet Privacy Policy which explains how we at U.S. Standard endeavor to build your trust and security through our web policies.
This Internet Privacy Policy applies to your visit to our web site www.USStandardCo.com and its affiliated sites. If you are an individual who has purchased an automobile, homeowners, or life insurance product from U.S. Standard, or if you are a claimant under a disability policy, you or your employer have received or will be receiving in the mail a copy of U.S. Standard's Privacy Disclosure Statement which contains important additional information about our privacy practices.

Regarding Consumer Reports
Notice of insurance information collection practices -- personal, family or household insurance transactions: We often collect personal information from persons other than the individual or individuals applying for coverage. Such personal information may, in certain circumstances, be disclosed to third parties without your authorization.  If you would like additional information concerning the collection and disclosure of personal information -- and your right to see and correct any personal information in your files -- it will be furnished upon request. Please contact us at corporateinfo@USStandardCo.com.
We may also obtain and use a credit-based insurance score developed from information contained in these reports. We may use a third party in connection with the development of your insurance score.

Non U.S. Standard Web Sites 
U.S. Standard is not responsible for the privacy practices or the content of any other web sites on the Internet that may be linked to the U.S. Standard web site. Please note that when you click on links to web sites outside of www. U.S. StandardCo.com, you are transferred to another web site that may not be under U.S. Standard's control. We encourage you to read the privacy statements of these linked sites as their privacy policy may differ from ours.

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U.S. Standard Insurance Company, 6478 Putnam Ford Drive Suite 204, Woodstock, GA 30189