Terms and Conditions
Please read the following terms and conditions carefully before using this web site. You should review these terms and conditions regularly as they may change at any time at our sole discretion. If you do not agree with these Terms of Use, or any of our posted guidelines, please do not use this site.
1. Liability
UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE FROM YOUR USE, OR INABILITY TO USE, THIS WEB SITE. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.
THIS WEB SITE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
2. We Do Not Have Responsibility for Links to Third Party Content
LINKS TO THIRD PARTY WEB SITES ARE PROVIDED FOR YOUR CONVENIENCE AND INFORMATION ONLY. THE CONTENT IN ANY LINKED WEB SITES IS NOT UNDER OUR CONTROL AND WE ARE NOT RESPONSIBLE FOR IT.
We reserve the right to terminate a link to a third party web site at any time. The fact that we provide a link to a third party web site does not necessarily mean that we endorse, authorize or sponsor that web site, nor that we are affiliated with the third party web site's owners or sponsors.
3. Privacy/Treatment of Information or Data Transmitted to Us
Personal information transmitted to us will be treated in accordance with our Privacy Policy.
Visitors may be required to enter an insurance policy number or other personal item for certain web site features. You are responsible for maintaining the confidentiality of your insurance policy and any other personal confidential information. You agree to indemnify and hold Cumberland Insurance Group, its affiliates and partners harmless for any improper or illegal use of your personal confidential information.
While Cumberland Insurance Group maintains procedures to protect personal information transmitted on this web site, any communications via the Internet may be subject to breaches of security. Cumberland Insurance Group is not responsible for any resulting damage to any visitor for any such security breach, or from any virus, bugs, tampering, unauthorized intervention, fraud, error, omission, interruption, deletion, defect, or any other technical or other malfunction during any visitor transmissions.
Any non-personal information you provide to us by e-mail, including, but not limited to, feedback, data, answers, questions, comments, suggestions, plans, ideas or the like, shall be deemed to be non-confidential and we assume no obligation to protect such non-personal information contained in the e-mail from disclosure.
4. Proprietary Rights & Restricted Use
This web site's content is copyrighted and protected by U.S. and worldwide copyright laws and treaty provisions. In addition, this web site's content is protected by trademark laws, the laws of privacy and publicity, and communication regulations and statutes. You are not authorized to post on or transmit to or from this web site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other content that could give rise to any civil or criminal liability under the law.
You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this web site, without the prior written permission of Cumberland Insurance Group.
5. By Providing Content, We Do Not Allow You to Use Trademarks Referenced in This Web Site
Cumberland Insurance Group is the copyright owner of all text contained on this web site. Cumberland Mutual Fire Insurance Company, an affiliate, is the owner of the “Cumberland Insurance Group Minerva 1844” logo, a registered trademark. Other parties' trademarks and services marks that may be referred to are the property of their respective owners. Nothing on this web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark without our written permission. The name of Cumberland Insurance Group, Cumberland Mutual Fire Insurance Company and Cumberland Insurance Company or our logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this web site, without prior written permission. You are not authorized to use our logo as a hyperlink to this web site unless you obtain our written permission in advance.
6. All Products, Programs and Services May Not be Available in Your Area
This web site is controlled by us from our offices within the United States of America. Except as specifically stated, we make no representation that content or materials in this web site are appropriate or available for use in other jurisdictions. Access to this web site content or materials from jurisdictions where such access is illegal is prohibited. If you choose to access this web site from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. You may not use or export the materials in this web site in violation of U.S. export laws and regulations. The laws of the State of New Jersey will govern the content and materials contained in this web site, without giving effect to any principles of conflicts of laws.
Cumberland Insurance Group and its affiliates and subsidiaries are not authorized to do business in every jurisdiction. Information that Cumberland Insurance Group publishes on this web site may contain references or cross-references to products, programs or services of Cumberland Insurance Group, its subsidiaries or affiliates that are not available in your state or country. Consult your local Independent Insurance Agent for information regarding the products, programs and services which may be available to you.
Cumberland Mutual Fire Insurance Company, NAIC Company Code Number 13684, is licensed to do business in New Jersey, Pennsylvania, Maryland, Delaware and Ohio. Cumberland Mutual Fire Insurance Company is a domiciliary of, and has its principal place of business in, the State of New Jersey.
Cumberland Insurance Company, NAIC Company Code Number 10448, is licensed to do business in New Jersey, Pennsylvania, Maryland, Delaware and Ohio. Cumberland Mutual Fire Insurance Company is a domiciliary of, and has its principal place of business in, the State of New Jersey.
7. User Conduct
Any conduct that violates these Terms of Use, or any additional posted policies or requirements, in any way may result in the suspension or termination of the visitor's access to the site, at Cumberland Insurance Group's sole discretion, in addition to any other legal remedies.
