This website is provided by Assurant, Inc. (“Assurant” or “Our,” “We,” or “Us”) and these terms (“Terms”) apply to this web site and any features, widgets, plug-ins, content, downloads, or other services that are offered by Us on this website (collectively, the “Site”). Throughout these Terms the words “You” and “Your” refer to the user visiting the Site, and these Terms set forth the legally binding terms for Your visit. By accessing this Site in any manner, You signify Your agreement to: (i) these Terms, (ii) Our Privacy Notice (click here), and (iii) any other legal notices, conditions, or guidelines that may be posted regarding specific products and services. These Terms will apply regardless of how You access this Site, whether it be via computer, tablet, mobile device, smart watch, console or otherwise (“Device”). If You do not agree to Our Terms or Our Privacy Notice, please exit now and do not use this Site.

You are solely responsible for ensuring that Your use of this Site is in compliance with all laws, rules and regulations applicable to You. The right to access this Site is revoked in those jurisdictions where these Terms or use of this Site is prohibited; or to the extent that use of this Site conflicts with any applicable law, rule or regulation.

This Site is controlled and operated by Assurant, Inc. in the United States. We do not represent that materials on this Site are appropriate or available for use in other locations. If you access this Site from outside the United States, you are responsible for compliance with local laws.

To use this Site, You must have a Device with internet access. Certain features of this Site may not be available to all customers or available on all Devices. We do not warrant that this Site will be compatible with Your Device.

Regulatory

Our products and services are provided by subsidiaries of Assurant. Products and services may not be available in all jurisdictions. The financial obligations of individual products or policies are the sole responsibility of the underwriting company or the Assurant subsidiary providing the product or service. Neither Assurant, Inc. nor any other affiliates of the underwriting company or the specific Assurant subsidiary are legally responsible for the product/policy obligations. Assurant, Inc. and/or its subsidiaries may change the programs or products mentioned at any time without notice. Additionally, all insurance products referred to in this Site are subject to availability and qualifications. Product terms, conditions, and exclusions not described in this Site may apply.

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.

Age Restrictions

This Site does not intend to market any Assurant products or services to anyone under eighteen (18) years of age. Assurant does not knowingly gather or solicit data from anyone under eighteen (18) years of age through this Site for marketing purposes. By using this Site you represent that you are not under eighteen (18) years of age.

Privacy Notice

Please read Our Privacy Notice (click here) carefully for disclosures relating to the collection, use, and disclosure of Your personal information.

Modification to These Terms

We may modify these Terms at any time. Your continued use of the Site after changes are posted constitutes your acceptance of those changes. We reserve the right to alter, suspend or discontinue any aspect of ‎this Site, including Your access to this Site. Unless explicitly stated, any new features will be subject to ‎these Terms. ‎ You may preserve these Terms in written form by printing them for Your records, and You waive any requirement that these Terms be evidenced by a written document.

Ownership and Proprietary Rights

The content, visual interfaces, information, graphics, photos, design, compilation, software (including, but not limited to, the Site), and all other elements of this Site (collectively, the “Materials”) are protected by United States copyright, trade dress, patent, and trademark laws, international laws and conventions, and all other relevant intellectual property and proprietary rights and applicable laws. All Materials are Our property, or the property of Our affiliated companies and/or third-party licensors. All trademarks, service marks, and trade names displayed on this Site are proprietary to Us, Our affiliated companies and/or third-party licensors. You may not copy, reproduce, modify, adapt, display, perform, publish, create derivative works from, store, sublicense, translate, sell, rent, lease, loan, resell, or otherwise exploit the Materials in any way. You agree not to disclose, publicly perform, transmit, distribute or provide the Materials to any other party. Furthermore, You may not: modify, disassemble, decompile or reverse engineer this Site and/or Materials, except to the extent that such restriction is expressly prohibited by ‎law. The foregoing license grant under these Terms is not a sale of the Materials or any copy thereof and We ‎and Our third-party licensors retain all right, title, and interest in the ‎Materials. Any attempt by You to transfer any of the rights, duties or ‎obligations hereunder, is void. We reserve all rights not expressly ‎granted herein.‎

Third-Party Sites, Products, and Services

This Site may include links to other web sites, products, offers, or services solely as a convenience to users. We do not review or endorse any third-party sites, services, resources, or information, material, products or services contained on or accessible through other third-party sites, services or resources. Viewing a linked site, accessing and using the information, materials, products or utilizing outside services and resources is done entirely at Your own risk. Accordingly, We encourage You to be aware when You leave this Site and to read the terms and conditions and privacy policy of each such third-party site, service or resource that You visit or use. Furthermore, We make no express or implied warranties of any kind with regard to any information, material, products, or services that are contained on or accessible through linked sites, nor shall We be liable for any loss or damage of any kind caused or alleged to be caused by or in connection with the use of or reliance on any content, goods, or services available on or through any such third-party site, resource or service.

Usage Rules and Prohibited Conduct

YOU UNDERSTAND AND HEREBY ACKNOWLEDGE AND AGREE THAT YOU MAY NOT AND WARRANT THAT YOU WILL NOT AND YOU WILL NOT ENCOURAGE OTHERS TO:

use this Site or any location information displayed within the Site to stalk, harass, abuse, defame, threaten or defraud other users, or collect, attempt to collect, or store location or personal information about others;
access this Site if You are under the age of 18;
use this Site for any purpose other than obtaining general informational content about Assurant;
use this Site for any illegal purpose, or in violation of any local, state or national law, including, without limitation, laws governing intellectual property and other proprietary rights, data protection and privacy, and import or export control, sanctions, and human trafficking;
post, store, send, transmit, or disseminate any information or material which a reasonable person could deem to be objectionable, libelous, offensive, indecent, pornographic, harassing, threatening, embarrassing, distressing, vulgar, hateful, racially or ethnically offensive, or otherwise inappropriate, regardless of whether this material or its dissemination is unlawful;
post, store, send, transmit, upload or disseminate any information or material which infringes any patents, trademarks, trade secrets, copyrights, or any other proprietary or intellectual property rights;
use this Site in connection with hazardous environments requiring fail-safe performance or any application in which the failure or inaccuracy of that application or this Site could lead directly to death, personal injury, or severe physical or property damage;
make unsolicited offers, advertisements, proposals, or send junk mail, to other users of this Site. This includes, but is not limited to, unsolicited advertising, promotional materials or other solicitation material, bulk mailing of commercial advertising, chain mail, informational announcements, charity requests, and petitions for signatures;
impersonate any person or entity, falsely claim an affiliation with any person or entity, or access the accounts of other users;
share passwords or access with any third party or encourage any other user to do so;
misrepresent the source, identity or content of information on this Site;
remove, circumvent, disable, damage, reverse engineer, or otherwise interfere with security-related features of this Site;
intentionally interfere with or damage operation of this Site or any user's enjoyment of this Site, by any means, including uploading or otherwise disseminating viruses, worms, or other malicious code;
attempt to gain unauthorized access to this Site, or any part of it, other accounts, computer systems or networks connected to this Site, or any part of it, through hacking, password mining or any other means or interfere or attempt to interfere with the proper working of this Site or any activities conducted on this Site;
use any robot, spider, scraper or other automated means to access this Site for any purpose without Our express written permission or bypass Our robot exclusion headers or other measures We may use to prevent or restrict access to this Site or modify this Site in any manner or form, nor to use modified versions of this Site, including without limitation for the purpose of obtaining unauthorized access to this Site; or
sell or transfer or allow another person to access Your account password, profile, or account.

Suspension, Violations, and Termination of Service

We reserve the right, but have no obligation, to monitor Your access and use of this Site. We reserve the right to disable, suspend or terminate Your access to this Site for any reason and without any notice, unless otherwise prohibited by law. You agree that where we believe You have violated these Terms, may terminate any account and/or access to this Site and remove and discard all or any part of Your account at any time. You agree that any termination of Your access to this Site, Your account or any portion thereof may be impacted without prior notice, and You agree that We will not be liable to You or any third-party for any such termination nor obligated to reimburse You for any resulting loss. These remedies are in addition to any other remedies We may have at law or in equity.

Indemnification and Disclaimer of Warranties

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

You agree to indemnify and hold Us, Our affiliates and licensors, and Our or their respective officers, agents, employees, and successors (“Covered Entities and Persons”) harmless from and against any and all claims, liabilities, damages (actual and consequential), demands, losses and expenses (including legal and other professional fees) arising from or in any way related to Your use of this Site, and/or the Materials, any violation of these Terms, or any other actions connected with Your use of this Site and/or Materials. We ‎reserve the right, on notice to You, to assume ‎exclusive defense and control of any claim or ‎action, subject to ‎indemnification by You, without relieving You of Your indemnification ‎‎obligations hereunder. Upon learning of a claim by a third party that Your ‎use violates or ‎allegedly violates a third party’s rights, You agree to ‎promptly notify Us of any ‎such claim. You agree to ‎cooperate with Us as reasonably required in the defense of any such ‎‎claims, and You shall not in any event settle any such claim or matter ‎without the written consent ‎of Us.‎ In the event of such claim, We will provide notice of the claim, suit or action to the contact information We have for the account, provided that any failure to deliver such notice to You shall not eliminate or reduce Your indemnification obligation hereunder.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

(a) YOUR USE OF THIS SITE AND MATERIALS IS AT YOUR SOLE RISK. THIS SITE AND MATERIALS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

(b) WE DO NOT WARRANT THAT (i) THIS SITE OR MATERIALS WILL MEET ALL OF YOUR REQUIREMENTS; (ii) THIS SITE OR MATERIALS WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (iii) ANY DEFECTS OR ERRORS IN THIS SITE OR MATERIALS WILL BE CORRECTED; OR (iv) THAT THIS SITE OR MATERIALS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

(c) ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THIS SITE AND/OR MATERIALS IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER, SMART PRODUCT, OR OTHER DEVICE, OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

(d) NO ADVICE, RECOMMENDATION OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH OR THIS SITE OR MATERIALS SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

The information contained herein is not intended to constitute an offer to sell or a solicitation in connection with any product, service or security. It is provided solely for general informational purposes. Nothing on this Site should be construed as rendering legal or other professional advice. The posting of any prospectus or any other information on this Site is not an offer, recommendation or opinion for You to buy or sell any product, service or security, or participate in any transaction. This Site may contain forward-looking statements. The inclusion of any forward-looking statement is based upon our historical performance and on current plans, estimates and expectations. The inclusion of any forward-looking statement should not be regarded as a representation by us or any other person that our future plans, estimates or expectations will be achieved. Actual results might differ materially from those projected in the forward-looking statements.

Documents, information, graphics and other Materials appearing on this Site may include ‎technical ‎inaccuracies, miscalculations, typographical errors, and out-of-date information. Use of ‎such ‎documents, information, graphics or other Materials is at Your own risk.‎

SEE BELOW FOR IMPORTANT LIMITATIONS ON THE ‎TERMS OF THIS ‎SECTION.‎

Limitation of Liability

Information on this Site is for convenience and informational purposes only and does not constitute legal, financial, insurance OR OTHER PROFESSIONAL advice.

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 Your computer equipment. Under no circumstances will Assurant be liable for any loss or damage caused by Your reliance on information obtained from 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.

NOTHING IN THESE TERMS IS INTENDED TO EXCLUDE OR LIMIT ANY CONDITION, WARRANTY, RIGHT OR LIABILITY WHICH MAY NOT BE LAWFULLY EXCLUDED OR LIMITED. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR CONDITIONS OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR LOSS OR DAMAGE CAUSED BY NEGLIGENCE, BREACH OF CONTRACT OR BREACH OF IMPLIED TERMS, OR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, ONLY THOSE LIMITATIONS WHICH ARE LAWFUL IN YOUR JURISDICTION (IF ANY) WILL APPLY TO YOU AND OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Dispute Resolution; Arbitration

ARBITRATION NOTICE: YOU AGREE THAT DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION, AND YOU WAIVE YOUR RIGHT TO BRING OR RESOLVE ANY DISPUTE AS, OR PARTICIPATE IN, A CLASS, CONSOLIDATED, REPRESENTATIVE, COLLECTIVE, OR PRIVATE ATTORNEY GENERAL ACTION OR ARBITRATION.

Read the following arbitration provision carefully. It limits certain rights, including Your right to obtain relief or damages through court action.

Arbitration of Disputes. You agree that any and all claims, disputes, or controversies whatsoever between You and Us (whether or not such dispute involves a third party) arising out of, relating to, or in connection with these Terms or Your use of this Site will be resolved by binding, individual arbitration, except for disputes relating to the infringement of Your or Our intellectual property (such as trademarks, trade dress, copyright and patents) or where We are seeking a preliminary injunction (“Excluded Disputes”). To begin Arbitration, either You or We must make a written demand to the other party for arbitration. The Arbitration will take place before a single arbitrator. All arbitrations shall be administered by the American Arbitration Association (“AAA”) in accordance with its Consumer Arbitration Rules (“Consumer Rules”) in effect when the claim is filed. The terms of this Provision shall control in the event of any inconsistency between the AAA’s Rules and this Provision. You may get a copy of the AAA's Consumer Rules by contacting AAA at 1633 Broadway, 10th Floor, New York, NY 10019 or visiting www.adr.org. Unless You and We mutually agree on an alternative, the arbitration will take place in the county and state (or equivalent political subdivision) where You live. Upon written request, We will advance to AAA on Your behalf either all or part of the fees of the AAA and of the arbitrator after You have been unsuccessful in obtaining a waiver of fees and costs from the AAA. The arbitrator will decide whether You or We will be responsible for these fees. The arbitrator shall apply relevant substantive federal and state law and applicable statutes of limitations and shall provide written, reasoned findings of fact and conclusions of law. Judgment on the award rendered by the arbitrators may be entered in any court having competent jurisdiction. This Provision is part of a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act, 9 U.S.C. § 1, et seq., and no state, local or other arbitration law will apply. YOU AGREE AND UNDERSTAND THAT this arbitration provision means that You give up Your right to go to court on any claim covered by this provision. Any provision of applicable law notwithstanding, the arbitrators will not have authority to award punitive or exemplary damages. This arbitration provision does not limit or abridge in any way the filing by a California resident of a civil action to enforce rights conferred by the Ralph Civil Rights Act, California Civil Code Section 51.7. In the event any litigation arises between You and Us, any such lawsuit will be tried before a judge, and a jury will not be impaneled or struck.

No Class Actions/No Joinder of Parties: You agree that any arbitration proceeding will only consider Your Claims. Claims by, or on behalf of, other individuals will not be arbitrated in any proceeding that is considering Your Claims. You also agree that You will not join with others to bring Claims in the same arbitration proceeding.

If any portion of this Arbitration Provision is deemed invalid or unenforceable, it shall not invalidate the remaining portions of the Arbitration Provision, except that in no event shall this Arbitration Provision be amended or construed to permit arbitration on behalf of a group or class.

YOU AND WE UNDERSTAND AND AGREE THAT, BECAUSE OF THIS ARBITRATION PROVISION, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO GO TO COURT (EXCEPT AS TO EXCLUDED DISPUTES) OR TO HAVE A JURY TRIAL OR TO PARTICIPATE AS ANY MEMBER OF A CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM.

Confidential Arbitration. You and We agree that except as may be required by law, neither You nor We may disclose the existence, content, substance, documents, or information submitted thereunder, or any results of any arbitration hereunder without the prior written consent of other party.

Class Action Waiver

Neither You nor Us shall be entitled to join or consolidate claims under or relating to these Terms, ‎by or against other individuals or entities, or litigate or pursue any claim as a representative ‎member of a class or in a private attorney general capacity. THIS MEANS THAT YOU WAIVE ‎YOUR RIGHT TO INITIATE OR PARTICIPATE IN ANY CLASS OR CONSOLIDATED ‎ACTION WHATSOEVER. A court may sever any portion of this dispute resolution provision if ‎it finds such unenforceable.‎

Governing Law

THESE TERMS SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF GEORGIA WITHOUT REGARD TO CONFLICT OF LAW RULES OR PRINCIPLES THAT WOULD CAUSE THE APPLICATION OF LAWS OF ANY OTHER JURISDICTION.

Exclusions and Limitations; Consumer Protection Notice‎

If You are a consumer, the provisions in these Terms are intended to be only as broad and ‎inclusive as is permitted by the laws of Your state of residence. Certain states ‎have heightened consumer protection laws that may make certain terms of these Terms ‎inapplicable to You. For example, some states do not allow the exclusion or limitation of liability for certain types of damages, or the exclusion of implied warranties. In such states, our liability will be limited to the greatest extent permitted by law. No provision of these Terms shall limit or waive Your rights as a consumer under the law of Your state of residence. In any ‎event, We reserve all rights, defenses and permissible limitations under the law ‎of Your state of residence.‎

Severability and Waiver

If in any cause of action brought forth by You, in any court of law, having the jurisdiction to decide on this matter, a court rules that any provision of these Terms are invalid, then that provision will be given no effect for the limited purpose of adjudicating the cause of action, without affecting the rest of these Terms. The remaining provisions of the Terms will continue to be valid and enforceable.

Our failure to enforce any part of these Terms shall not constitute a waiver of Our right to later enforce that or any other part of these Terms. Waiver of compliance in any particular instance does not mean that We will waive compliance in the future. In order for any waiver of compliance with the Terms to be binding, We must provide You with written notice of such waiver through one of Our authorized representatives.

Entire Agreement

These Terms constitute the entire agreement between You and Us with regard to this Site.

These Terms are personal to You, and are not assignable, transferable or sublicensable by You except with Our prior written consent. We may assign, transfer or delegate any of Our rights and obligations hereunder in Our sole discretion.

BY USING THIS SITE, YOU AGREE TO THE PROVISIONS CONTAINED ABOVE.

Contact Information

Questions or comments regarding the Site may be submitted to legaloperations@assurant.com.

Effective date 10/07/2025

Usage Overview