Permitted Uses and Users

The companies of Frederick Mutual Insurance Co ("FMIC") provide the FREDERICKMUTUAL.COM Website ("Site") without charge to the general public ("Users") for the purpose of providing Users information about FMIC, its services and insurance services in general. The Site may be used for that purpose only and not for any commercial purposes, and any use of the Site is subject to the terms and provisions set forth below or incorporated herein ("Terms of Use").

Agreement to be Legally Bound by These Terms

Please read these Terms of Use carefully before using the Site as they govern your access to and use of the Site, as more fully explained below.

By using the Site, including by navigating through pages within the Site or downloading any Content from the Site, you agree to abide and be legally bound by these Terms of Use, including any changes or updates that may be posted on the Site from time to time. The Terms of Use as posted on any given date that you use the Site shall govern such use, and you should check the Terms of Use upon each visit to ensure you are familiar with the then current Terms of Use posted to the Site. If you do not agree to abide and be legally bound by these Terms of Use, the Online Privacy Policy, or any other terms published on the Site, do not use the Site or download Content from the Site.

In addition to your agreeing to these Terms of Use by navigating through pages within the Site, FMIC may further require you to reaffirm your agreement to and acceptance of these Terms of Use by checking a box, particularly upon accessing or using particular functions available on the Site.

Limited License

The content on the Site, including without limitation, the materials, information, text, software, code, scripts, graphics, photos, sounds, music, videos, interactive features and the like, as well as the trademarks, service marks, and logos (collectively, the "Content"), are owned by or licensed to FMIC unless expressly disclaimed and are subject to copyright, trademark and other intellectual property rights under the law.

Subject to these Terms of Use, FMIC grants you a limited right to view, access, and display the Content within this Site for personal use only. This grant of rights to you is limited in duration and scope. The grant is not transferable, nor is it exclusive. FMIC may terminate the grant, in whole or in part, for any reason and at any time with or without notice. This grant is also dependent on your agreement not to interrupt or attempt to interrupt the operation of the Site.

You may download the Content only for the purposes stated above. This license is not a transfer of title in the Content or any copies of the Content and is subject to the following restrictions:

1. You may not modify the Content in any way (including the removal of any copyright or other proprietary notice contained in the Content), or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose; and
2. You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time. This Site, including all Content, is protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws in your use of this Site and to prevent any unauthorized copying of the Content. Except as expressly provided herein, FMIC does not grant any express or implied right to you in or to any Content and in no way do these Terms of Use convey any rights in or to any patents, trademarks, copyrights or trade secrets.

Permissions and Restrictions

FMIC hereby grants you permission to access and use the Site as set forth in these Terms of Use, provided that:

A. You agree not to distribute any part of the Site, in any medium, without the prior written consent of FMIC other than through functions and features provided through the Site (such as a downloadable image).

B. You agree not to alter or modify any part of the Site.

C. You agree not to use any part of the Site for any commercial use without the prior written authorization of FMIC. Prohibited commercial uses include without limitation any of the following actions taken without FMIC's express written approval: 1) sale of access to the Site on another website; 2) use of the Site or any information on the Site for the purpose of gaining advertising or subscription revenue; or, 3) the sale of advertising on the Site or any third-party website targeted to any information on the Site.

D. Prohibited commercial uses do not include uploading of original material to the Site approved in advance or expressly authorized by FMIC in writing.

E. You agree not to use or launch any automated system, including without limitation, "robots," "spiders," or "offline readers," or similar devices that access the Site in a disruptive manner, send more request messages to the Site’s servers in a given period of time than a human can reasonably produce in the same period of time using a conventional on-line web browser, or comb the site using automated devices for the purpose of displaying the Site contents on any other website. Notwithstanding the foregoing, FMIC grants the operators of public search engines permission to use spiders to reference or link to materials on the site for the sole purpose of creating publicly available searchable indices of the materials. As with all provisions of these Terms of Use, FMIC reserves the right to revoke these exceptions either generally or in specific cases. You agree not to collect or harvest any personally identifiable information, including usernames, from the Site, nor to use the communication systems provided by the Site (e.g. comments, email) for any unlawful purpose. You agree not to solicit, for commercial purposes, any users of the Site.

F. In your use of the Site, you will otherwise comply with the terms and conditions of these Terms of Use and all applicable local, national, and international laws and regulations.

G. FMIC reserves the right to discontinue any aspect of the Site at any time.

Disclaimer

CONTENT PROVIDED THROUGH THE SITE MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. FMIC DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE CONTENT OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER CONTENT DISPLAYED OR DISTRIBUTED THROUGH THE SITE. FOR COMPLETE DETAILS ABOUT ANY POLICY OR SERVICES OFFERED BY ANY FMIC COMPANY, YOU SHOULD CONTACT YOUR LOCAL FMIC AGENT. POLICIES AND SERVICES ARE OFTEN PROVIDED ON AN INDIVIDUAL BASIS AND WILL VARY DEPENDING ON YOUR SPECIFIC SITUATION. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH OPINION, ADVICE, STATEMENT, MEMORANDUM, OR CONTENT WILL BE AT YOUR SOLE RISK. FMIC RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO MAKE CHANGES TO THE TERMS OF USE, AND TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE SITE. FMIC MAY MAKE ANY OTHER CHANGES TO THE SITE AND THE CONTENT AND THE PRODUCTS, PROGRAMS, SERVICES OR PRICES (IF ANY) DESCRIBED IN THE SITE AT ANY TIME WITHOUT NOTICE.

THE SITE, AND CONTENT ON THE SITE, ARE PROVIDED "AS IS" WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT, OR FITNESS FOR ANY PARTICULAR PURPOSE.

Third Party Sites

As a convenience to you, FMIC may provide, on the Site, links to websites operated by other entities. If you link to and use any such websites, you will leave this Site, and you may be subject to the terms and conditions governing the use of such websites. Clicking on any link within this Site to a third party website is done solely at your own risk, and it is your responsibility to take all protective measures to guard against viruses or other destructive elements that may arise or result from the use of any website.

FMIC makes no warranty or representation regarding, and does not endorse, any linked websites or the information appearing thereon or any of the products or services described thereon. Links to third party websites do not imply that FMIC or this Site sponsors, endorses, is affiliated or associated with such third parties, or that FMIC is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through such websites, or that any linked website is authorized to use any trademark, trade name, logo or copyright symbol of FMIC.

Information Provided By You

FMIC does not want you to, and you should not, send any confidential or proprietary information to FMIC via the Site except as expressly or implicitly indicated by the Site functionality including by way of example  FMIC’s Online Account. See FMIC’s Online Privacy Policy for additional information.

Do not send other business proposals, inventions or ideas to FMIC through the Site. You agree that any materials or information that you or individuals acting on your behalf provide to FMIC will not be considered confidential or proprietary, except to the extent it is nonpublic personal information covered by the FMIC Insurance Group Privacy Notice.

To the extent you provide anymaterials or information to FMIC other than nonpublic personal information, you grant to FMIC an unrestricted, perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, sublicense, transmit and distribute such materials and information, in any medium and in any form, and you further agree that FMIC is free to use any ideas, concepts or know-how that you or individuals acting on your behalf provide to FMIC through or by means of this Site.

You further recognize that FMIC does not want you to, and you warrant that you will not, provide any information to FMIC that is defamatory, threatening, obscene, harassing, or otherwise unlawful, that infringes the intellectual property rights of another, or incorporates the proprietary material of another except as authorized.

Username Accounts

In order to access some features of the Site, you may have to create a username account. The information you provide at that time will constitute the basis for your username account. You may never use another's username account without permission.

When creating your username account, you must provide accurate and complete information. You agree that you will not provide a false or fraudulent email address.  By creating any username account that contains false information or omits any material information, you waive any rights, including those described in these Terms of Use.  

You are solely responsible for the activity that occurs on your username account.  Should you establish a username and password on the Site, you must keep your username account password secure. FMIC is not responsible for any other User or third party’s use or theft of your username and password. You must notify FMIC immediately of any breach of security or unauthorized use of your username account. Although FMIC will not be liable for your losses caused by any unauthorized use of your username account, you will be liable for the losses of FMIC or others due to such unauthorized use.

FMIC Insurance reserves the right to take appropriate action against any person who misrepresents his or her identity or improperly or fraudulently accesses policy information on this site. This action may include, but is not limited to, legal action against any person accessing policy information in violation of any state or federal law or regulation.

FMIC may use the information you provided on this and any other website operated by FMIC for any purpose, commercial or non-commercial, including distribution of electronic mail messages to any email address provided.

Account Termination

FMIC may terminate any User's username account and, to the extent possible, such User's access to the Site if that User is determined to have taken any action inconsistent with or in violation of these Terms of Use. Further, FMIC may terminate, block or otherwise inhibit access to any Site visitor it deems to have violated any of these Terms of Use including by blocking any IP address or other indication of the source of behavior, content or usage of the Site that violates these Terms of Use.

Limitations of Damages

IN NO EVENT WILL FMIC, ITS EMPLOYEES, OFFICERS, DIRECTORS OR ANY OF ITS SUBSIDIARIES BE LIABLE TO ANY PERSON OR ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON ANY INFORMATION HANDLING SYSTEM) THAT ARE RELATED TO THE USE OF, OR THE INABILITY TO USE ANY ASPECT OF THE SITE INCLUDING THE CONTENT AND FUNCTIONS OF THE SITE OR ANY LINKED WEBSITE, EVEN IF FMIC IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Changes

FMIC reserves the right, at its sole discretion, to modify, add or remove all or any portion of these Terms of Use at any time. Changes will be effective when they are posted so that you have notice of such changes. Your continued use of the Site after any changes are posted will be considered acceptance of those changes. If you do not agree to any changes, you may not continue to access or use the Site. FMIC may terminate, change, suspend or discontinue any aspect of the Site, including the availability of any features of the Site, at any time and without notice or liability. FMIC may also impose limits on certain features and services or restrict your access to all or part of the Site without notice or liability.

Location of Use and Choice of Law

This Site is controlled, operated and administered by FMIC from its offices within the State of Maryland, United States of America. FMIC makes no representation that this Site, or any Content within the Site, is appropriate or available for use at other locations outside of the United States and access to them from territories where their contents are illegal is prohibited. The Site is not intended to, and may not be used to, provide information regarding insurance products in any state where FMIC is not licensed to do business. You may not use the Site or export any Content in violation of United States export laws and regulations. If you access this Site from a location outside of the United States, you are responsible for compliance with all local laws.

You and FMIC agree that the laws of the Commonwealth of Pennsylvania govern these Terms of Use, without giving effect to any of its conflict of laws provisions that would direct the application of the laws of any other jurisdiction.

Relation to Other Agreements or Policies

These Terms of Use, and the FMIC Insurance Group Online Privacy Policy, which is hereby incorporated by reference, constitute the entire agreement between FMIC and you with respect to your use of the Site and any Content.

Severability

If for any reason any portion or provision of these Terms of Use, is ruled to be unenforceable, that provision will be enforced to the maximum extent permissible so as to affect the intent of the Terms of Use, and the remainder of the Terms of Use will continue in full force and effect.