American European Insurance Group, Inc.
 

AMERICAN EUROPEAN INSURANCE GROUP, INC.

TERMS OF USE

PLEASE READ ALL OF THE PROVISIONS (“TERMS”) CAREFULLY BEFORE USING THIS WEB SITE.  BY USING THIS WEB SITE, YOU ACCEPT THESE TERMS. IF YOU DO NOT ACCEPT THESE TERMS, PLEASE DISCONTINUE YOUR USE OF THIS WEB SITE.

The Site and its Use   

This web site (the “site”) is owned and provided by American European Insurance Group, Inc. and its affiliates and successors (“AE”), from its office in Cherry Hill, New Jersey, USA, as a service to AE’s customers and prospective customers and its agents.  Please feel free to browse this site; however, your access and use of this site is subject to these Terms and all applicable laws.  Users of this site (referred to as “you”) must comply with all applicable laws.  This site may not be used in jurisdictions where access to this site may be illegal or otherwise prohibited.  If you breach any of these Terms, your authorization to use this site automatically terminates and AE may deny you access to this site.

    Children’s Access to this Website

    AE is committed to protecting the privacy of children.  This site is not intended or designed for the use of children under the age of 13.

    Non-U.S. Citizens 

    This web site is intended for use in the United States.  We do not represent that the content on this web site is appropriate or may be legally downloaded outside of the United States.  If you access this site outside of the United States, you are responsible for compliance with the laws of the applicable country or jurisdiction.


Permissible & Non-Permissible Uses

You shall use this site for lawful purposes only.  You agree that any information you provide through this site will be accurate and truthful.  Any conduct by you that, in AE’s opinion, restricts or inhibits any other user from using or enjoying this site will not be permitted.   The framing, mirroring, scraping or data-mining of this site or any of its contents in any form or by any method is strictly prohibited.  You shall not post or transmit any information or material through this site that:     

  1. Violates or infringes, in any way, the rights of others, or which is unlawful, threatening, abusive, defamatory, libelous, invasive of privacy, proprietary or publicity rights, vulgar, obscene, profane, harassing or otherwise objectionable to AE in its absolute discretion;
  2. Could cause or introduce a software virus or other disruptive program;
  3. Encourages conduct that would constitute a criminal offense, give rise to liability or otherwise violate any law or administrative ruling or guidelines, or is in violation of these Terms;
  4. Contains any advertising or any solicitation; or,
  5. Otherwise violates any of these Terms.

Contact with AE

The email and web contact tools on this site are intended as a convenience for AE’s customers, prospective customers and agents.  AE reserves the right to take actions as may be necessary to prevent misuse of these tools.


Products and Services

AE provides its products and services in Delaware, Maine, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island and Vermont.  You may not be eligible for such products or services, and certain products or services may be subject to certain additional terms.   To obtain insurance coverage from AE, you must first submit an application.  All applications are subject to AE’s approval.


Claim Submission 

If you are an AE customer, you may elect to report a claim using this site.  Your report does not in any way obligate AE to provide coverage for such claimed loss.  All claim information submitted is subject to AE’s review and may be followed by contact to you from an AE claims representative and/or requests for additional information.


Disclaimers

AE makes no warranty that this site is compatible with any computer systems or browsers.

AE will use reasonable efforts to ensure that the information supplied in this site is true and accurate.  If, however, inaccurate information is supplied on this site, AE shall not be responsible or liable for such inaccuracies.

AE cannot guarantee the availability of this site.   This site may be unavailable because of routine maintenance performed by AE due to causes beyond AE’s control or at AE’s sole discretion.

Without prejudice to any other rights, AE reserves the right to suspend provision of all or any part of the site and/or block or remove any emails or other postings or content if AE has reason to believe that such use or material is in violation of these Terms or for any other reason.

THE SITE AND MATERIALS AND RELATED COMMUNICATIONS ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY REPRESENTATIONS, WARRANTIES, TERMS OR CONDITIONS, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OR FITNESS FOR PARTICULAR PURPOSE.  AE ALSO DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE MATERIALS ON THIS SITE INCLUDING, BUT NOT LIMITED TO, THE RELIABILITY OF ANY ADVICE, STATEMENT, FORMULA, CALCULATOR, TABLE OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THIS SITE.  YOU ACKNOWLEDGE BY THE USE OF THIS SITE THAT ANY RELIANCE ON ANY SUCH MATERIALS, ADVICE, STATEMENT, FORMULA, CALCULATOR, TABLE OR INFORMATION SHALL BE AT YOUR SOLE RISK.  AE ALSO DOES NOT WARRANT THAT YOUR USE OF THIS SITE WILL BE UNINTERRUPTED, ERROR-FREE OR VIRUS-FREE.

AE ASSUMES NO RESPONSIBILITY, AND SHALL NOT BE LIABLE UNDER ANY LEGAL THEORY, FOR ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT OR OTHERWISE AFFECT, YOUR COMPUTER EQUIPMENT, OPERATING SYSTEMS, SOFTWARE, DATA OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO, USE OF OR BROWSING IN THIS SITE.  IN PARTICULAR, YOU ACKNOWLEDGE THAT AE SHALL HAVE NO LIABILITY UNDER ANY LEGAL THEORY FOR ANY VANDALISM, ALTERATION OR OTHER USE OR MISUSE OF AE’s SITE BY ANY PERSON OR FOR ANY DATA, COMMUNICATION OR TRANSMISSION SENT BY ANY OTHER PARTY.


Limitation of Liability

Your use and browsing of this site is at your sole risk.  If you are dissatisfied with any of the Materials contained in the site, or with any of these Terms, your sole and exclusive remedy is to discontinue accessing and using this site.

UNDER NO CIRCUMSTANCES WILL AE, ITS AFFILIATES OR SUBSIDIARIES, OR OTHER THIRD PARTIES MENTIONED IN OR INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE, BE LIABLE FOR ANY COMPENSATORY, DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL OR PUNITIVE DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, COSTS AND EXPENSES OF ANY TYPE INCURRED, LOST PROFITS, LOST DATA OR PROGRAMS AND BUSINESS INTERRUPTION) ARISING OUT OF YOUR ACCESS TO, USE OF, INABILITY TO USE OR THE RESULTS OF USE OF THIS SITE, ANY WEB SITES LINKED TO THIS SITE OR ANY MATERIALS CONTAINED AT ANY OR ALL SUCH SITES (INCLUDING, BUT NOT LIMITED TO, THOSE CAUSED BY OR RESULTING FROM A FAILURE OF PERFORMANCE, ERROR, OMISSIONS, LINKING TO OTHER WEB SITES, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE OR DESTRUCTION, UNAUTHORIZED ACCESS TO, ALTERATION OF OR USE OR MISUSE OF ANY COMPUTER OR SYSTEM), WHETHER BASED ON WARRANTY, CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY AND WHETHER OR NOT AE WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.  AE SHALL HAVE NO LIABILITY OR RESPONSIBILITY FOR ANY ACTS, OMISSIONS OR CONDUCT OF ANY USER OR OTHER THIRD PARTY VENDOR USED BY AE FOR BUSINESS SERVICES OR THAT AE UTILIZES TO PROVIDE INSURANCE COVERAGE.

Applicable laws of your jurisdiction may give you additional rights and/or may limit the effect of the waivers contained herein.


Third-Party Sites 

As a convenience to you, AE has provided links to web sites owned or operated by other entities and persons, but makes no representation whatsoever about any other web site that you may access through this site.  Any link to a non-AE web site does not mean that AE endorses or accepts any responsibility for the content or the use of such web site.  If you use these web sites, you do so at our own risk.  AE makes no warranty or representation regarding, and does not sponsor or endorse, any linked web sites or the correctness or accuracy of information or materials appearing thereon or any products, publications, subject matter or services described thereon.  Furthermore, links do not imply that AE is affiliated or associated with, or that any linked web site is authorized to use, any trademark, trade name, logo or copyright of AE.


Agent Login 

If you are an AE agent/broker, you will need to create and key in a user name and password to access certain areas of the site.  You are responsible for keeping your personal user name and password secure and confidential.  You should not share, display, disclose or permit your user name and password to be disclosed to any other party.  If your user name and password are disclosed or discovered by another party, you should contact AE immediately.  You are responsible for use of the site when access is obtained through the use of your user name and password, whether authorized or unauthorized.  You agree not to impersonate any other person or entity or use any false name or use any other person’s user name and password to access the site.  You agree and warrant that you will implement and comply with the above procedures.  AE reserves the right to withdraw user names and passwords at any time without notice and in its sole discretion may allocate a new user name and password where AE has reason to believe that such user name and password have been discovered and/or used by any person or organization other than you.


Ownership and Copyright

The site may contain information and materials including, but not limited to, text, software, photos, video, graphics, audio, images or files incorporated in or generated by the software and data accompanying the software (collectively “Materials”) which are derived in whole or in part from information and materials supplied by AE and other sources, and are protected by U.S. and international copyright, trademark and other laws.

The entire content of this site is copyrighted as a collective work under the United States Copyright Laws.  AE owns the copyright in the overall selection, coordination, arrangement and enhancement of such content, and owns the rights in (or license to use) the individual components of such content.  Materials may not be copied, reproduced, republished, modified, uploaded, posted, transmitted or distributed in any way or decompiled, reverse engineered or disassembled, except that you may view and print the Materials, provided you keep intact all copyright, trademark and other proprietary notices and make no change in or deletion of author attribution.  This limited authorization is not a transfer of title in the Materials, and by your use of this site you acknowledge that you do not acquire any license, ownership or other rights to the Materials or intellectual property.

Any modification of the Materials is a violation of AE’s or such other source(s)’ copyright, trademark and other proprietary rights and may violate other laws including, but not limited to, the laws of privacy and publicity and communications regulations and statutes.  The use of any such Materials on any other web site without AE’s express written consent is prohibited.

AE reserves its right to enforce its intellectual property rights to the fullest extent of the law including, but not limited to, recovery for any damages and any associated legal and other costs incurred by AE and criminal prosecution when and where appropriate.


Privacy 

For information about AE’s privacy policy, please access the Privacy Policy of American European Insurance Group, Inc. (“AE”)


Information Provided By You

It has been and remains AE’s policy not to accept or consider ideas, comments, suggestions or materials other than those that AE has specifically requested from you.  Accordingly, unless expressly agreed by AE, AE does not want you to, and you agree through the use of this site, that you will not send any such ideas, comments, suggestions or materials belonging to you or any other entity to AE through our site unless specifically requested by AE (e.g., information necessary to submit a claim).  By submitting unsolicited information and material to this site, unless expressly agreed by AE, you automatically grant to AE (or warrant that the owner of such information and material has expressly granted to AE) a royalty-free, perpetual, irrevocable, unrestricted, right and license to use, exploit, reproduce, display, perform, modify, adapt, publish, translate, manufacture, market, transmit and distribute or otherwise make available to others such unsolicited information and material (in whole or in part and for any purpose) worldwide and/or to incorporate it into other works in any form, media or technology now known or hereafter developed.  You also agree that, unless expressly agreed by AE, AE is free to use or exploit any unsolicited ideas, concepts, know-how or techniques that you send AE for any purpose without compensating you in any way.  You agree to be solely liable for any damages resulting from any infringement of copyright, proprietary rights, or any other harm resulting from such a submission.  If you suspect any unauthorized activity, you should contact AE.

Any contact which you may make with AE or AE employees via this site must be for an AE business-related purpose and all such communications are the property of AE and subject to review and monitoring by AE in accordance with applicable laws.


Changes 

AE reserves the right, in its sole discretion and without giving notice to anyone either before or after, to edit or revise these Terms at any time and correct any errors or omissions in any portion of this site and Materials.  All Materials on the site may also be changed, modified, added or removed and updated without notice at any time; however, AE is under no obligation to update Materials.  AE may also make changes in the products, services, programs or prices (if any) described in this site at any time without notice.  Your continued use of this site after any change that has been made to this site will be considered acceptance of those changes.  You should revisit these Terms from time to time to review the then-current Terms because they are binding on you.


Governing Law and Time Limitation 

These Terms shall be governed by the laws of New Jersey without giving effect to any principles of conflict of laws.  By using this site, you agree to bring any claim or suit in and submit to the exclusive jurisdiction of the State of New Jersey or the United States District Court for New Jersey.  Any cause of action you may have with respect to your use of the site must be commenced within one (1) year after the claim or cause of action arises.


Miscellaneous

Should there be any dispute regarding the meaning or enforcement of these Terms, the English language version of these Terms is deemed to be the only official version.

If for any reason a court of competent jurisdiction finds any provision of these Terms, or portion hereof, to be unenforceable, that provision or portion thereof shall be enforced to the maximum extent permissible so as to effect the intent of these Terms, and the remainder of these Terms shall continue in full force and effect.


Entire Agreement and Effect on Policy 

These Terms constitute the entire agreement between AE and you with respect to your use of the site.  The Terms of this site do not alter the provisions in any insurance policy you may have with AE.