Terms and Conditions of Use of this Site
 
Welcome. Please carefully read the following Terms and Conditions of Use ("Terms of Use") before using this Website ("Site"). By using this Site, you are agreeing to these Terms of Use. These Terms of Use are in addition to any other agreements between you and Central. If you do not agree to these Terms of Use, do not use this Site.
 
This Site is owned and operated by Central Mutual Insurance Company on behalf of itself and its subsidiary, All America Insurance Company (collectively "Central"). You can use the Site for your online access to information about Central, our products and services, educational content, self help tools, and your personal Central accounts (Online Activities).
 
This Site is intended for Central policyholders only. Third parties are not to use this Site for any purpose. If you are not a Central policyholder, employee, or authorized agent, access or use of this Site is a violation of its Terms of Use.
 
Central reserves the right to modify the Terms of Use at any time and any such modifications shall be effective immediately upon posting. Continuing to use this Site after a modification is posted will constitute your acceptance of the modification, so please check this page regularly for modifications.
 
Disclaimer of Warranties
 
All information and other materials present on the Site ("Content"), including without limitation, products, and services are provided "as is," without any warranties about the content's nature or accuracy (either when posted or as a result of the passage of time) and without any representations or guarantees.
 
Without limiting the above, Central disclaims all warranties, expressed or implied, including, but not limited to warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy with regard to the Site or any web site owned by a third party to which or from which the Site is linked ("Linked Web Site"). Central does not endorse and is not responsible for the capabilities or reliability of any product or service obtained from a Linked Web Site. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.
 
The information, products, software or service descriptions published on the Site or a Linked Web Site may include inaccuracies or typographical errors. The company disclaims liability for such errors and does not warrant or represent that the content on the site or a Linked Web Site is updated or complete. Central has no obligation to update any content on the Site and may change or improve the Site at any time without notice.
 
Central makes no representations, warranties or guarantees that the Site will be accessible continuously and without interruption, or error free.
 
Limitation of Central's Liabilities
 
In no event will Central, its respective service providers, employees, agents, officers or directors be liable to you for any punitive, indirect, direct, special, incidental or consequential damages, including any lost profits, cost of procuring substitute service or lost opportunity, even if you have notified Central about the possibility of such damages, or for any claims by any third parties arising out of or in any way related to the access, use or content of the Site or Linked Web Site whether such claims are brought under any theory of law or equity.
 
This limitation on liability includes, but is not limited to transmission of viruses that infects a user's equipment, mechanic or electronic equipment failure, failure of communication lines, telephone or other interconnects, unauthorized access, theft, operational errors, strikes or other labor problems, or any force majeure.
 
Some states do not allow the exclusion of liability for certain damages, so the foregoing exclusions or limitations may not apply to you.
 
Your Liabilities for Violations
 
Central has the right to deny you access and use of the Site and its Content if you violate (as Central may determine in its sole and absolute discretion) any provision of the Terms of Use. Central reserves the right to seek all other remedies available at law and in equity. You agree, at your own expense, to defend, indemnify and hold Central harmless from any claim or demand, including reasonable attorney's fees, made by a third party in connection with or arising out of your access to, or use of, the Site or any of its Content in a manner other than as expressly authorized by the Terms of Use, your breach of the Terms of Use, or your violation of applicable laws or any rights of any third party.
 
Password Registration
 
Some areas of Central's Site are restricted for the use of Central's policyholders and require a user identification name ("User ID") and a password for access. You are responsible for maintaining the confidentiality of your User ID and password. You may not share your password with or transfer your password to any third party. You are responsible for all uses of your User ID and password, and any and all related charges, whether or not authorized by you. You agree to immediately notify Central of any unauthorized use of your password or User ID or any other breach of security. Central will not be liable for any loss you may incur as a result of someone else using your password or User ID, either with or without your knowledge. However, you could be held liable for losses incurred by Central or another party due to someone else using your User ID or password.
 
Using Electronic Signatures
 
Online Access
 
For some Online Activities, Central permits its policyholders, using a User ID and password, "Online Access". Online Access is the ability to use your personal computer equipped with an active connection to an Internet Service Provider to access your Central accounts, policy declarations pages, or other products and to perform certain transactions as available. You may register for Online Access via the Internet.
 
In order to conduct some Online Activities, you agree to receive information applicable to your use of the Online Activities electronically. These may include bills, quotes, updates, billing notifications, notifications or other information that you request, transaction receipts, documents requiring your signature, or any other documents ("Communications"). Your consent does not mean that Central must provide the Communications electronically; Central may, at its option, provide the Communications through non-electronic means. As part of the Online Activities, many of these Communications are made available to you in non-electronic form. If you wish to withdraw your consent to receive information electronically through your use of the Online Activities, you may discontinue your use of the Online Access. If you have questions regarding Online Activities, including credit card transactions, please contact Central at 1-800-786-4628. As part of the Online Activities, you may be given the option to sign certain Communications electronically by either checking the appropriate box or engaging in a similar online process as instructed. You agree that by checking the appropriate box within or adjacent to the applicable Communication or engaging in a similar online electronic signature process, you are providing your electronic signature and agree to be bound by the terms and conditions in such Communication just as if you had signed your name to a paper document. Your state may require insurance documents to be printed in a particular font size. This will occur if you print the documents from our website. Viewing of documents may be slightly different than the printed version due to PC options such as 'fit to page' and your ability to change the resolution of your PC. For best viewing, we recommend setting your view size for Communications to 100% and your browser resolution to 1024 X 768.
 
System Requirements
 
To receive, access, and reply to applicable Communications you will need:
  • a personal computer or other access device with Internet access,
  • a web browser which is capable of supporting 128-bit SSL encryption,
  • software that lets you retrieve and open Portable Document Format or "PDF" files, and
  • the ability to download or print agreements and disclosures.
 
System Requirements to Retain Information
 
To retain the Communications sent to you electronically for your records, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette), print PDF files, or print web pages and embedded HTML files. In some cases, you must print, complete, and sign Communications with a pen, and then return them to Central according to the instructions on the document. To do this, you must have a functioning printer connected to your personal computer or other access device which is able to print Communications and the instructions on plain, white 8 1/2 x 11 inch paper.
 
It is your sole responsibility to insure your personal computer, software, Internet web browser, and related equipment are compatible and capable of operating in a manner that allows you to utilize Online Access. If you cannot meet the requirements for any reason, you have the right to withdraw you consent to one or more Online Activities at no cost to you and request your Communications in paper via the US mail.
 
Your Privacy
 
Please review our Privacy Policy for more information.
 
Updating Your E-Mail Address
 
If you have provided us with your e-mail address in order to register for Online Access or to receive electronic communications from us, you are responsible for keeping your e-mail address current and up-to-date on this site. To do this, you may update your e-mail address by using the Online Activities or by contacting Central at 1-800-786-4628.
 
E-mail submissions over the Internet may not be secure and are subject to the risk of interception by 3rd parties. Please consider this before e-mailing any personal or confidential information.
 
Links
 
From time to time, Central may authorize Linked Web Sites to or from the Site. Linked Web Sites are controlled and operated by third parties and not by Central. Central makes no representations and disclaims all liability as to the content or material available at those locations, the accuracy of information, and the quality of products or services provided or advertised on Linked Web Sites. The fact that Central authorizes Linked Web Sites is not an endorsement, authorization, express or implied sponsorship, or affiliation with respect to Linked Web Sites, its owners, sponsors, or providers. Please take the time to read the privacy policies and user agreements of the Linked Web Site.
 
Governing Law and Location
 
Central operates the Site from its offices in Van Wert, Ohio. Central does not represent that Content on the Site is appropriate or applicable for use in any other locations, and access from locations where the Content may be illegal is prohibited. By agreeing to these Terms of Use, you acknowledge and agree that you are accessing the Site on your own initiative, at your own risk, and are responsible for compliance with all local laws.
 
These Terms of Use shall be governed by and construed in accordance with the laws of the United States and the State of Ohio. For any dispute concerning the Site, you consent to exclusive jurisdiction and venue of a court of competent jurisdiction in Van Wert County, Ohio, and waive the defense of forum non conveniens.
 
Eligibility for Insurance Products and Services
 
Not all of the products or services described on the Site are available in all geographic areas of the United States. You may not be eligible for all of the insurance products or services described on the Site. Central reserves the right to determine all eligibility for such products or services in its sole discretion.
 
Notice of Applicability to Children
 
The Site is not intended for children age 13 and younger.
 
Copyright/Trademark
 
Except where otherwise indicated, all Content on the Site is the copyrighted property of Central and/or third party licensors. The Central Insurance Companies logo, all other service marks, and the names of various products and services described within are service marks of Central.
 
Permission is hereby granted to use, copy, and distribute the Content as presented on the Site and without alteration for non-commercial purposes only, provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.
 
Except as expressly provided herein, you shall not use any portion of this Site, or any other intellectual property of Central (including, but not limited to Central service marks), on any other web site, in the source code of any other web site, or in any other printed or electronic materials. Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this Site's Content or frame this Site within any other web site without our prior written permission. Systematic retrieval of data or other content from this Site to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from Central, is prohibited.
 
Visitor Submissions
 
By providing information or materials to this Web Site (other than personal information subject to Central's Privacy Policy), you grant to Central an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, and transmit such information and materials for any purpose, including without limitation, disclosing any such information and materials as necessary to satisfy any law, regulation, or governmental request. You agree not to submit or transmit any e-mails or materials through the Web Site that (i) are defamatory, threatening, obscene or harassing, (ii) contain a virus, worm, Trojan horse or any other harmful component, (iii) incorporate copyrighted or other proprietary material of any third party without that party's permission, or (iv) otherwise violate any applicable laws. Central shall not be subject to any obligations of confidentiality regarding any information or materials that you submit except as specified in Central's Privacy Policy, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.
 
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