Welcome to the www.FreelancersInsuranceCo.com website (the "Site"). The Site is owned and operated by Freelancers Insurance Company ("FIC"). Please review the following terms and conditions carefully.
1. Acceptance of Agreement
2. Modifications to the Site
FIC reserves the right, for any reason, in its sole discretion, to terminate, suspend or change any aspect of the Site including but not limited to content, features or hours of availability. FIC may impose limits on certain features of the Site or restrict your access to part or all of the Site without notice or penalty.
3. User Conduct
You are solely responsible for the content and context of any materials you post or submit through the Site. You warrant and agree that while using the Site, you will not upload, post, transmit, distribute or otherwise publish through the Site any materials which: (a) are unlawful, threatening, harassing, libelous, defamatory, pornographic or profane; (b) restrict or inhibit any other user from using or enjoying the Site; (c) constitute or encourage conduct that would constitute a criminal offense or give rise to civil liability; or (d) contain a virus or other harmful component, advertising of any kind, or false of misleading indications or origin or statements of fact.
The Site provides access to a number services offered by FIC and third parties that may be available to you, including reference and educational information. The Site does not, directly or indirectly, provide advice or guidance with respect to such services, including, but not limited to, services concerning your tax and accounting matters, insurance and pension plan benefits, or legal issues. The Site makes no claim or representation regarding – and accepts no responsibility for – the quality or reliability of any services provided by third parties to you that may be made accessed through use of the Site. Articles, commentary and other information contained on the Site are intended to be for general academic and illustrative purposes and are not intended to guide the decisions of any individuals.
5. No Medical Advice
Any information on the Site regarding medical matters is provided solely for educational and informational purposes. This information is not intended and should not be used as a replacement for medical advice. You should make all medical decisions in consultation with your health care provider.
6. No Offer of Insurance Products
Any description of insurance products on the Site is not intended and should not be construed as an offer to sell or solicit the purchase of such products. Insurance products are provided only to individuals who have been approved for enrollment in FIC.
7. Intellectual Property
You acknowledge and agree that all content and materials available on the Site, including but not limited to the FIC name and logo, are protected by intellectual property and other laws. Except as expressly authorized by FIC, any use, copying, reproduction, display, performance, modification or transmission is strictly prohibited. Notwithstanding the above, you may download one copy of the content and materials on the Site on any single computer for your personal non-commercial use, provided you keep intact all proprietary and other notices.
You agree that FIC has the right, but not the obligation, to monitor, edit, disclose, refuse to post, or remove at any time, for any reason in its sole discretion, any material and content anywhere on the Site. Notwithstanding this right, FIC does not and cannot review all materials posted on the Site by users and FIC is not responsible for any materials posted by users.
All remarks, submissions, ideas, concepts, pictures or other information you submit to the Site will become the exclusive property of FIC. FIC will not be required to treat any submission as confidential, except as required by applicable law. FIC will be entitled to use all submissions for any legally authorized purpose whatsoever, without any compensation to you.
Individuals who are enrolled in FIC are able to register for access to password-protected areas of the Site, which may also permit access to password-protected areas of third-party websites. You agree that you will provide accurate information during registration and that you will keep your account information up-to-date. You are solely responsible for protecting the confidentiality of your password and may not disclose your password to any other person. In the event that an unauthorized user gains access to the password-protected area of the Site or any third-party website as a result of your acts or omissions, you agree that you shall be liable for any such unauthorized use.
12. DISCLAIMER OF WARRANTIES
THE SITE, INCLUDING ALL CONTENT, FUNCTIONS, AND INFORMATION MADE AVAILABLE ON OR ACCESSED THROUGH THE SITE, IS PROVIDED ON AN “AS IS” “AS AVAILABLE” BASIS WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. FIC DOES NOT WARRANT THAT THE SITE OR THE FUNCTIONS, FEATURES OR CONTENT CONTAINED THEREIN WILL BE TIMELY, SECURE, UNINTERRUPTED OR ERROR FREE, OR THAT DEFECTS WILL BE CORRECTED. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO CERTAIN USERS.
13. LIMITATION OF LIABILITY
IN NO EVENT SHALL FIC OR ANY OF ITS AFFILIATES BE LIABLE FOR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT ARE DIRECTLY OR INDIRECTLY RELATED TO THE USE OF, OR INABILITY TO USE, THE SITE OR THE CONTENT, MATERIALS AND FUNCTIONS RELATED THERETO EVEN IF FIC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO CERTAIN USERS. IN NO EVENT SHALL FIC’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING BUT NOT LIMITED TO NEGLIGENCE) ARISING FROM THIS AGREEMENT OR YOUR USE OF THE SITE EXCEED ONE HUNDRED DOLLARS ($100.00) IN THE AGGREGATE.
16. Choice of Law; Forum
Except as explicitly stated otherwise, any notices shall be given by email to FIC or at Freelancers Union or to you at the email address you provide to FIC. Notice shall be deemed given 24 hours after the email is sent, unless the sending party is notified that the email address is invalid.
18. General Provisions
19. Contact Information