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Legal Notice.

Use of Site

Assurant, Inc. (“Assurant”) requires that each visitor (a "User") to this Internet Web site on the World Wide Web (the "Site") adhere to the following Terms and Conditions.  Please read these Terms and Conditions carefully before using the Site.  By accessing this Site, each User acknowledges that he or she has read, understands and accepts each of the Terms and Conditions.  Each User is bound by any revisions to these Terms and Conditions and should visit this page at each visit to review the current Terms and Conditions.  If the User does not agree to all of these Terms and Conditions, he or she should not use this Site.

Terms and Conditions

Informational Purposes Only

The information contained herein is not intended to constitute an offer to sell or a solicitation in connection with any product or service.  It is provided solely for general informational purposes.

Insurance contracts are issued and underwritten and products are provided by subsidiaries of Assurant.  Products and services may not be available in all jurisdictions.  The financial obligations of individual products or polices are the sole responsibility of the underwriting company or the Assurant subsidiary providing the product or service.  Neither Assurant nor any other affiliates of the underwriting company or the specific Assurant subsidiary are legally responsible for the product/policy obligations.

No Warranty

Assurant does not warrant the accuracy or completeness of the information, text, graphics, links or other content contained on this Site or any other server. Assurant makes no representation concerning the suitability of this documentation for any purpose.  It is provided "as is" without express or implied warranty.  This Site may contain hyperlinks to Web sites operated by parties other than Assurant and its subsidiaries.  Such hyperlinks are provided solely as a matter of convenience. Assurant does not control such Web sites and is not responsible for the content.  The inclusion of hyperlinks to such Web sites does not imply any endorsement, approval or certification by Assurant of the material on such Web sites or any association with their operators.

Limitation of Liability

Assurant expressly disclaims all warranties, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security and accuracy. Information in this Site may contain inaccuracies or errors.  Information on this Site may be changed or updated without notice.  Assurant has no obligation to update information on this Site, so such information may be out of date at any given time.  Assurant also may make improvements or changes in products or content described on this Site at any time without notice.

Assurant will not be responsible for any damages or injuries that accompany or result from any use of this Site.  Assurant specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damage arising out of or in any way connected with access to or use of this Site (even if Assurant has been advised of the possibility of any such damage), including any liability associated with any virus that may infect a User's computer equipment.  Under no circumstances will Assurant be liable for any loss or damage caused by a User's reliance on information obtained through this Site.  It is the sole responsibility of each User to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through this Site.

No Representation as to Suitability

Assurant makes no representation as to the financial or other suitability of any product or service described on this Site for any User.

Copyright and Trademarks

All content on this Site is protected by applicable copyright laws.  Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes.  The trademarks, logos and service marks (the "Marks") displayed on this Site are the property of Assurant or its subsidiaries or affiliates (collectively "Assurant").  Users are prohibited from using any Mark for any purpose without the express written permission of Assurant. 

Ownership

The design, text and images of this Site are owned, controlled or licensed by Assurant or its subsidiaries or affiliates.  Assurant and/or its licensors retain all right, titles and interest to all material provided on this Site.  The posting of information and material on this Site does not constitute a waiver by Assurant or any of its licensors of any rights in such material and does not transfer any rights to any User of the Site.

Linking

The User may leave this Site and access other sites on the World Wide Web that Assurant does not maintain.  Assurant is not responsible for the content available on any other site on the World Wide Web linked to this Site and disclaims any responsibility for such other sites.  Access to any such other site linked to this Site is at the User's own risk.  Such links are provided solely as a matter of convenience and do not imply any endorsement, approval or certification by Assurant of the material on such sites. 

Privacy

For our privacy policies, please refer to the Assurant Privacy Policy.

Laws and Regulations

Access to and use of this Site are subject to all applicable federal, state and local laws and regulations.

Access to Password Protected or Secure Areas

Access to and use of password protected or secure areas of this Site are restricted to authorized persons only.  Any User who accesses or attempts to access such areas without authorization may be subject to prosecution or subject to other available legal remedies.

Termination and Blocking

Assurant reserves the right to terminate and/or block a User’s use or a User’s access to this Site for any reason without prior notice to the User. 

Forward Statements

This Site may include "forward-looking statements" that express expectations of future events and/or results.  All statements based on future expectations rather than on historical facts are forward-looking statements that involve a number of risks and uncertainties, and Assurant cannot give assurance that such statements will prove to be correct.

Changes to Terms and Conditions

Assurant reserves the right to revise these Terms and Conditions at any time and Users are deemed to be apprised of and bound by any changes to these Terms and Conditions each time a User visits the Site.

Violations of Terms and Conditions

Assurant reserves the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions, including, but not limited to, the right to block or terminate access from a particular Internet address to this Site. 

The Assurant brand mark is a service mark of Assurant. No part of this site may be reproduced without written permission from Assurant.

Assurant requires that each visitor (a "User") to this Internet site on the World Wide Web (the "Site") adhere to the following Terms and Conditions. Please read these Terms and Conditions carefully before using the Site. By accessing this Site, each User acknowledges that he or she has read, understands and accepts each of the Terms and Conditions. If the User does not agree to all of these Terms and Conditions, he or she should not use this Site.

Terms and Conditions

General
The information contained herein is not intended to constitute an offer to sell or a solicitation in connection with any product, security or service. It is provided solely for general informational purposes.

Insurance contracts are issued and underwritten by subsidiaries of Assurant Products and services may not be available in all jurisdictions. The financial obligations of individual products or polices are the sole responsibility of the underwriting company. Neither Assurant nor any other affiliates of the underwriting company are legally responsible for the product/policy obligations.

Assurant does not warrant the accuracy or completeness of the information, text, graphics, links or other content contained on this Site or any other server. Assurant makes no representation concerning the suitability of this documentation for any purpose. It is provided "as is" without express or implied warranty. This Site may contain hyperlinks to Web sites operated by parties other than Assurant, Inc. and its subsidiaries. Such hyperlinks are provided solely as a matter of convenience. Assurant does not control such Web sites and is not responsible for their contents. The inclusion of hyperlinks to such Web sites does not imply any endorsement, approval or certification by Assurant of the material on such Web sites or any association with their operators.

Limitation of Liability
Assurant expressly disclaims all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security and accuracy. Information in this Site may contain inaccuracies or errors, Information on this Site may be changed or updated without notice, Assurant has no obligation to update information on this Site, so such information may be out of date at any given time. Assurant, Inc. also may make improvements or changes in products described on this Site at any time without notice.

Assurant specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damage arising out of or in any way connected with access to or use of this Site (even if Assurant has been advised of the possibility of any such damage), including any liability associated with any virus that may infect a User's computer equipment. Under no circumstances will Assurant be liable for any loss or damage caused by a User's reliance on information obtained through this Site. It is the responsibility of each User to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through this Site.

No Representation as to Suitability
Assurant makes no representation as to the financial or other suitability of any product described on this Site for any User.

Copyright and Trademarks
All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the "Marks") displayed on this Site are the property of Assurant or its subsidiaries or affiliates (collectively "Assurant"). Users are prohibited from using any Mark for any purpose without the express written permission of Assurant

Ownership
The design, text and images of this Site are owned, controlled or licensed by Assurant or its subsidiaries or affiliates. Assurant and/or its licensors retain all right, titles and interest to all material provided on this Site. The posting of information and material on this Site does not constitute a waiver by Assurant or any of its licensors of any rights in such material and does not transfer any rights to any User of the Site.

Linking
The User may leave this Site and access other sites on the World Wide Web that Assurant does not maintain. Assurant is not responsible for the content available on any other site on the World Wide Web linked to this Site and disclaims any responsibility for such other sites. Access to any such other site linked to this Site is at the User's own risk.

Privacy
As part of the normal operation of our Site, we may collect a limited amount of information about your visit. The information we may track includes the URL you just came from, which URL you go to after leaving our Site, what browser you are using, and your Internet provider address. This type of information is tracked by many Web sites in order to make sure that visitors are able to use the site information and functions successfully. None of this standard tracking information is personally identifiable. Assurant, Inc. does not collect personally identifiable information (information that reveals the visitor's identity) about a visitor unless the visitor knowingly and voluntarily provides such information.

For our privacy policies, please refer to the Assurant Privacy Policy.

Laws and Regulations
Access to and use of this Site are subject to all applicable federal, state and local laws and regulations.

Access to Password Protected or Secure Areas
Access to and use of password protected or secure areas of this Site are restricted to authorized persons only. Any User who accesses or attempts to access such areas without authorization may be subject to prosecution.

Forward Statements
This Site includes "forward-looking statements" that express expectations of future events and/or results. All statements based on future expectations rather than on historical facts are forward-looking statements that involve a number of risks and uncertainties, and Assurant cannot give assurance that such statements will prove to be correct.

Changes to Terms and Conditions
Assurant reserves the right to revise theses Terms and Conditions at any time and Users are deemed to be apprised of and bound by any changes to these Terms and Conditions.

Violations of Terms and Conditions
Assurant reserves the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions, including the right to block access from a particular Internet address to this Site. 

The Assurant brand mark is a service mark of Assurant. No part of this site may be reproduced without written permission from Assurant.

© 2004 Assurant