Legal Notices and Disclaimer
Web Site Usage Agreement Terms and Conditions
This page sets forth the terms and conditions under which Chatham Insurance Services, Inc. (“Chatham” or "CIS," or "we") provide the information on this web site, as well as the terms and conditions governing your use of this site. By making use of this web site, you agree to be bound by the terms and conditions that appear here. The terms and conditions are subject to updating at any time without notice. If at any time you do not accept the terms and conditions, do not access the web site or any of its pages. Changes to the terms and conditions take effect when posted to the web site.
We may terminate, change, suspend or discontinue any aspect of the web site, including the availability of any features of the web site, at any time.
Laws and Regulations
Access to and use of this web site are subject to applicable federal, state and local laws and regulations.
Submissions
All information that you submit to CIS via this web site shall be deemed and remain the property of CIS. We shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides to us through this web site. We shall not be subject to any obligations regarding such information except as expressly indicated with respect to personally identifiable consumer information in any consumer Privacy Statement(s) contained within the web site, agreed to by CIS having the direct customer relationship with the person providing the information or otherwise specifically agreed to in a separate writing or required by law. You further recognize that we do not want you to provide, and prohibit you from providing any information or material to CIS that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another person or entity.
UserID/Password Use
While we cannot guarantee that information transmitted through the Internet is secure, for certain types of communications through this web site, CIS may require the use of available technologies or other precautions provided for your protection and/or require you to use user identification information ("userIDs") and passwords. If you have been assigned a userID for access to restricted sections of this site, you are responsible for all activities executed under your userID and are the only one who may use it. You are responsible for protecting your userIDs and passwords from disclosure to third parties and you are not permitted to avoid the use of required encryption technologies. It is a violation of these terms and conditions for you to allow another person to use your userID and its associated passwords, use the userID and password assigned to another person, or attempt to gain access to resources for which you are not authorized is a serious breach of security.
Use of Communication Services
The Chatham Insurance Web Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:
Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.
Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
Conduct or forward surveys, contests, pyramid schemes or chain letters.
Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
Restrict or inhibit any other user from using and enjoying the Communication Services.
Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
Violate any applicable laws or regulations.
Chatham Insurance has no obligation to monitor the Communication Services. However, Chatham Insurance reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Chatham Insurance reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.
Chatham Insurance reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Chatham Insurance's sole discretion.
Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Chatham Insurance does not control or endorse the content, messages or information found in any Communication Service and, therefore, Chatham Insurance specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Chatham Insurance spokespersons, and their views do not necessarily reflect those of Chatham Insurance.
Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.
Warranty & Liability - Disclaimer
Chatham specifically disclaims all warranties with respect to this web site or your use thereof. All information on the web site, including but not limited to graphics, text and links to other sites, is provided "as is" and "as available" and may be changed without prior notice. We do not warrant the content, quality, condition, accuracy, adequacy or completeness of this information. Other than as required by applicable consumer protection law or insurance law, if any, in no event will Chatham be liable for errors or omissions in this information or for any losses or damages, direct, indirect, incidental, special or consequential resulting from your use or misuse of, or reliance on, any such information. The information is provided without warranty of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or similar disabling devices. You are responsible for evaluating the accuracy, completeness or usefulness of any information, advice or other content available on this web site.
Chatham expressly disclaims any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, special, incidental or consequential damages, losses or expenses arising in connection with your use of or inability to use this site or any other web site linked to this site, or in connection with any failure of performance, error, omission, interruption, virus, defect, or delay in operation or transmission, even if we are aware.
Copyright Policy
All of the information on this web site, including all text, graphics, software applications, video and audio files and photos (collectively, "Content"), and all rights in the pages and the screens displaying the pages are owned by CIS, the insurance carriers with which we do business and their subsidiaries or affiliated entities or their licensors, protected by copyright under United States and foreign laws. You may use and reproduce copies of this web site and its Content to conduct the authorized business of CIS. You may also refer to, cite or print and use the Content for your personal, non-commercial use as long as your copies retain all copyright, trademark and other proprietary notices that appear on the original screens. You may not modify, reproduce, copy, distribute, transmit, display, publish, sell, license, create derivative works of or use any aspect of the web site or its Content for commercial or public purposes or on any other web site or in a networked computer environment or engage in any other redistribution or republication of the Content. You may create a text link to the home page of our web site at www.chathamins.com for legitimate business reasons on the condition that it is clear to the users that they are exiting your site and entering a new site, you do not frame or in-line our web site or its Content, and you do not create a false association or endorsement or otherwise misrepresent your relationship with CIS.
Trademarks
Trademarks, service marks, trade names, logos, URLs, domain names and icons ("Marks") appearing on this site, whether registered or not, are owned by CIS, the insurance carriers with which we do business and their subsidiaries or affiliated entities and their licensors. Nothing on this web site grants you any right or license to use any of the Marks without the express written permission of Chatham or the third party owners of such Marks.
Hypertext Links To Third Party Sites
As a convenience to you, CIS may provide links to third party web sites, or permit third parties to link to this web site. Because these other web sites are not under our control, we cannot guarantee the quality, accuracy, timeliness or security of those web sites. A link to or from another web site does not imply an affiliation between CIS and the third party site owner or an endorsement of the third party site or any products or services that it describes. Your access to and use of any other Internet sites linked to or from this web site is at your own risk and we assume no obligation or liability in connection therewith. We may disable a link at any time and will remove any link from this web site at the third party site owner’s request.
Products and Services - Disclaimer
Please note that none of the information contained in this web site should be viewed as an offer to sell or as a solicitation to purchase any of our products or services. Rather, the information on our products and services is provided to you so that you can learn what products CIS generally offer. We may make improvements and/or changes in the products, services and/or programs described on this site at any time without notice.
Insurance coverage statements on this web site are for general description purposes only. This web site does not amend, modify or supplement any insurance policy. Consult the actual policy, your agent or contact us for details regarding terms, conditions, coverages, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to final determination of underwriting qualifications and acceptance by the CIS and/or the underwriting company providing such products or services.
Further, this web site does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any such policy. Whether coverage exists or does not exist for any particular claim or loss under any such policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.
Unless otherwise specified, products and services are available in the United States only. Information on the web site may include references to products or services not offered in your state or country. Variations in state law regarding the interpretation of insurance policies may exist, and any statements of coverage scope or intent in this summary are general in nature and are subject to change based on such variations. Availability of coverage referenced in this summary may be dependent upon state regulations.
Use of Cookies
When you visit our web site, you may see that we use "cookies" in interacting with your web browser. A "cookie" is a piece of information that a website transfers to your computer hard drive for recordkeeping purposes. The cookie cannot be read by a web site other than the one that set the cookie. We use cookies for a number of administrative purposes; for example, to store your preferences for certain kinds of information or to store a password so that you do not have to input it every time you visit our web site. Most cookies last only through a single session, or web site visit. None will contain information that will enable anyone to contact you via telephone, e-mail, or any other means. You can set up your Web browser to inform you when cookies are set or to prevent cookies from being set.
International Users & Choice of Law
This web site is controlled and operated by CIS from offices within the United States of America. We make no representation that materials at this web site are appropriate or available for use at other Filenames outside of the United States or that access to their content from all territories is legal. You may not use the web site or export the web site materials in violation of U.S. export laws and regulations. If you access this web site from locations outside of the United States, you are responsible for compliance with all local laws. This Usage Agreement shall be governed by the laws of the United States and of the State of Illinois, without giving effect to its conflict of laws provisions. This Agreement constitutes the entire agreement between you and CIS with respect to your use of the web site.