NIA | Company Overview | Privacy Statement / Disclaimers

namicinsurance.com (the Site) has been prepared for informational purposes only. By utilizing the Site, and/or its services, you agree to be bound by the terms and conditions of this notice regarding the use of this Site. If you do not agree with the terms and conditions of this notice, you are hereby instructed not to access or utilize information provided by the site, or to submit information to the site.

All materials and services on the Site and any third-party sites are provided "as is" without warranty of any kind. Changes are periodically made to the information in this site, and the NAMIC Insurance Agency (NIA) and/or its suppliers may make improvements and/or changes in this Site at any time. With respect to the materials and services contained on this site and in linked sites directly or indirectly accessible from the Site, NIA and/or its suppliers make no representations and disclaim all warranties, express or implied, including, but not limited to: warranties of title, noninfringement, merchantability and fitness for a particular purpose regarding the suitability of the information; the accuracy, reliability, completeness or timeliness of the content, services, products, text, graphics, links, or other items contained within the Site; or the results obtained from accessing and using the Site and/or the content contained herein. NIA does not warrant that the functions contai ned in the materials will be uninterrupted or error-free, that defects will be corrected, or that the Site, including the server that makes it available, are free of viruses or other harmful components. The user assumes the entire cost of all necessary maintenance, repair or correction.

Use of the Site is at your own risk. The Site may contain advice, opinions, and statements of various information providers and content providers. NIA does not represent or endorse the accuracy or reliability of any advice, opinion, statement or other information provided by any information provider or content provider, or any user of the Site or other person or entity. Reliance upon any such opinion, advice, statement, or other information shall also be at your own risk. Neither NIA nor its information providers or content providers shall be liable to any user or anyone else for any inaccuracy, error, omission, interruption, use of any content herein, regardless of cause, for any damages resulting there from. Transmission and/or receipt of the information contained in namicinsurance.com does not constitute a professional-client relationship of any kind. Information in namicinsurance.com of a legal nature should not be acted upon without seeking professional counsel. It is your resp onsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use.

The information and descriptions contained on the Site do not comprise a contract and are not intended to be a complete description of all coverages, amounts, terms, exclusions and conditions applicable to the products and services, but are provided for general information purposes. The actual coverage, terms, amounts, conditions and exclusions contained in any insurance policy or afforded by any insurer is subject to the specific policy as issued and their availability may vary by state. Any questions concerning the coverages, terms, amounts, conditions and exclusions of any policy, the applicable underwriting criteria, or other matters affecting the selection and administration of an insurance policy should be directed to the appropriate staff at NIA.

No insurance coverage shall be construed as bound, in force, applied for or assumed as a result of submission of data on the Site. The final decision to issue a policy of insurance lies with the respective individual insurance company and is subject to the laws of the applicable state, jurisdiction or province.

The information provided on the Site is intended for residents of states where NIA and the appropriate insurers it represents are licensed. The product descriptions provided on this site are not intended to constitute offers to sell or solicitations in connection with any products or services. Some products may not be available in all states or jurisdictions.

All materials, including graphic images, buttons, layout and text posted on this site are subject to copyrights owned by the NIA and other individuals or entities. Any reproduction, retransmission, or republication of all or part of any graphic images, materials or documents found on the Site is expressly prohibited, unless NIA or the copyright owner of the material has expressly granted its prior written consent to so reproduce, retransmit, or republish the material. All other rights are reserved.

The names, trademarks, service marks and logos of NIA appearing on this site may not be used in any advertising or publicity, or otherwise to indicate NIA’s sponsorship of or affiliation with any product or service, without NIA’s prior express written permission. Any insurance producer and insurance company logos are the exclusive property of the respective insurance entities, and are used with their permission.

The Site may contain links to other sites maintained by third parties. NIA does not operate or control in any respect any information, products or services on such third-party sites and does not guarantee that the links or any information contained thereon will be accurate at the time of your access. Third party links are included solely for the convenience of users, and do not constitute any endorsement, approval or certification by NIA, its affiliates and/or its suppliers of the content of any site referenced by a link or otherwise. NIA believes that links to publicly accessible web pages and newsgroups is legally permissible and consistent with the common and customary expectations of those who make use of the Internet. User assumes sole responsibility for use of third party links and pointers and disclaimers set forth herein are equally applicable to such third party sites.

Any opinions, advice, services, or other information made available by third parties, including information providers and users are those of the respective author(s) or distributor(s) and not of NIA.

NIA shall have the right, at its discretion, to change, modify, add or remove terms of this agreement or the Site at any time. Notification of any such changes may be made herein, but is not guaranteed. Changes shall be effective immediately, and subsequent use by you of the Site shall constitute your acceptance of them.

Under no circumstances, including, but not limited to, negligence, shall NIA, or its affiliates be liable for any direct, indirect, incidental, special, consequential or other damages, including but not limited to loss of data or lost profits, that result from the use of, or the inability to use, the materials in the Site.

As a condition of use of the Site, the user agrees to indemnify NIA and its suppliers from and against any and all liabilities, expenses and damages arising out of claims resulting from user's use of this Web site, including without limitation any claims alleging facts that if true would constitute a breach by user of these terms and conditions. If you are dissatisfied with any material on the Site, or with any of namicinsurance.com terms and conditions, your sole and exclusive remedy is to discontinue using the Site.

NIA reserves the right to deny access to this Web site to anyone at any time. Any action to enforce these terms and conditions shall be brought in the federal or state courts located in Indiana. If any provision is deemed to be unlawful or unenforceable, that shall not affect the validity and enforceability of the remaining provisions.

Contact webservices@namic.org with questions about this Web site or additional information regarding the copyright or legal policy. Any rights not expressly granted herein are reserved.

NIA is committed to assuring users that their privacy will be respected and protected. namicinsurance.com has created this privacy statement in order to demonstrate our firm commitment to user privacy. The following discloses the information gathering and dissemination practices for all information collected or submitted to the Site.

We use your IP address to help diagnose problems with our server and to administer our Web site.

The Site uses cookies to enhance your on-line experience with namicinsurance.com. A ‘cookie’ is nothing more than a small file that your Web browser will place on your hard drive. It allows us to remember you and keep track of preferences and passwords. Use of cookies allows us to deliver content specific to your interests, and to save your password so you don't have to re-enter it each time you visit our site. You can, of course, set your browser to reject cookies – but keep in mind that this may affect the experience you have on namicinsurance.com.

The Site's registration form requires users to give us contact information (like their name, email, and postal address), financial information (like their bank account or credit card numbers), and demographic information (like their zip code, age, or income level).

Contact information from the registration forms is used to ship materials and information about our company or its products and services. The customer's contact information is also used to get in touch with the customer when necessary.

Users may opt-out of receiving future mailings; see the choice/opt-out section below. Financial information that is collected is used to bill the user for products and services. Demographic and profile data is also collected at the Site. We use this data to tailor our visitor's experience at the Site showing them content that we think they might be interested in, and displaying the content according to their preferences.

Specific information about you will not be released to any entity not affiliated with NIA. An ‘affiliate’ entity is an organization either owned or managed by the National Association of Mutual Insurance Companies (NAMIC) or its subsidiaries, NAMIC Insurance Agency and NAMIC Service Corporation. We will not disclose information about your individual visits to namicinsurance.com or personal information that you provide, such as your name, address, e-mail address, telephone number, credit card number, personal preferences, etc. to any outside parties, unless required to do so by law.

This site contains links to other sites. Namicinsurance.com is not responsible for the privacy practices or the content of such Web sites.

This site makes chat rooms, forums, message boards, and/or news groups available to its users. Please remember that any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information. NIA is not obligated to monitor any transmission made through the Web pages. However, NIA has the right, but not the obligation, to monitor any transmission made to and from the Site.

The Site has security measures in place to protect the loss, misuse, and alteration of the information under our control.

The site provides users the opportunity to opt-out of receiving promotional/marketing information from us. You can send email to webservices@namic.org

The site gives users the following options for changing and modifying information previously provided: You can send email to webservices@namic.org

Any changes to our privacy commitment and policy will be posted here. While we do not anticipate changes to this policy frequently, we do suggest you review our policy and commitment from time to time. This will ensure that you will have complete knowledge of our information practices as they might affect you and your use of namicinsurance.com. If you have any questions about this privacy statement, the practices of this site, or your dealings with the Site, you can contact: webservices@namic.org