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Terms & Conditions of Website

Acceptance of the Terms of Use

These Terms and Conditions of Website Use (“Terms of Use” or “Terms and Conditions of Website Use”) are entered into by and between you and MLMIC Insurance Company (“MLMIC,” “We,” or “Us”). The following terms and conditions (“Terms of Use”), govern your access to and use of https://www.mlmic.com/, including any content, functionality, and services offered on or through the website (the “Website” or “Site”).

Please read the Terms of Use carefully before you start to use the Website. By using the Website, you accept and agree to be bound and abide by these Terms of Use, and our Privacy Policy, found at https://www.mlmic.com/privacy-policy, incorporated herein by reference. If you do not want to agree to these Terms of Use, or the Privacy Policy, you must not access or use the Website.

This Website is offered and available to users who 18 years of age or older. By using this Website, you represent and warrant that you are of legal age to form a binding contract with the MLMIC. If you are not of legal age, you must not access or use the Website.

No Insurance Policy Interpretation nor Legal Advice

The material provided on the MLMIC Website, including the information and any images incorporated in the Website, is for your personal private non-commercial use only. The information and articles contained in this Website are provided for general informational purposes only. Nothing contained in this Website is intended to constitute, and should not be construed as, a solicitation of insurance in any state in which MLMIC is not licensed, an interpretation of any insurance provision or policy nor as legal advice on any subject matter. Therefore, you should not rely on the information and articles provided herein as a policy interpretation or as legal advice on any subject matter for any purpose, and should always seek the legal advice of competent counsel in your jurisdiction. Users of the MLMIC Website are expressly advised that they rely on the information contained in the Website at their own risk.

All policy provisions discussed in this Website are subject to underwriting approval. Information on this Website should not be construed as a coverage interpretation of the policy in whole or in part. Actual coverage determinations are subject to all of the terms and conditions of the actual policy, endorsements, application, and any actual claims.

Nothing contained in this Website shall serve to amend, alter or modify the terms, conditions or exclusions of each individual insurance policy.

Intellectual Property

All files and information contained on the Site were created by and are owned by and copyrighted by MLMIC Insurance Company, and may not be duplicated, copied, modified or adapted, in any way without our written permission. The copying, redistribution, use or publication by you of any such copyrighted files or information is strictly prohibited. Your use of the Site does not grant you any ownership rights to our files or information. The Site may contain our service marks or trademarks as well as those of our affiliates or other companies, in the form of words, graphics, and logos. Your use of the Site does not constitute any right or license for you to use our service marks, trademarks, or copyrighted works without prior written consent from the owner of the aforementioned intellectual property.

Accessing the Website and Account Security

We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

You are responsible for both:

  • Making all arrangements necessary for you to have access to the Website.
  • Ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use and comply with them.

To access some of the resources the Website offers, you may be asked to provide certain information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete. You agree that all information you provide to this Website or otherwise, including, but not limited to, through the use of any interactive features on the Website, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

When you select a password and sign-up in order to access MLMIC’s online policyholder services, you agree to the following conditions:

For secure website access

  • MLMIC is authorized to act on instructions received under your password without any requirement to question those instructions.
  • MLMIC is not liable for any unauthorized access to your personal information that is not directly due to the gross negligence of MLMIC.
  • Your password contains sensitive information and you will keep it confidential and secret. Protecting your login credentials (i.e. your username and password) from unauthorized access is your responsibility. Do not share your username or password with any third party. Though the security of your username and password is exclusively your responsibility, we recommend you log out after accessing the Site and change your password on a periodic basis.
  • You will notify MLMIC immediately if you believe anyone else has learned your password or if you believe an unauthorized access to MLMIC or your personal information has occurred or may occur;
  • MLMIC may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so.

Violating the Terms and Conditions of Website Use may lead to a revocation of MLMIC website access privileges. We have the right to disable any user name, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use. You may not modify, republish, post or transmit anything you obtain from this Website, including anything you download from the site, unless you first obtain our consent. We request that you not create any kind of hyperlink from any other website to our Site unless you first obtain our permission.

MLMIC provides hyperlinks to third party websites as a convenience to users of this Website. MLMIC does not control third party websites and is not responsible for the contents of any hyperlinked third party website or any hyperlink in a hyperlinked site. MLMIC does not endorse, recommend or approve any third party website hyperlinked from this Website. MLMIC shall have no liability to any entity for the content or use of the content available through such hyperlink.

Reliance on Information Posted and Changes to our Website and Terms of Use

The information and materials on this Website could include technical inaccuracies or typographical errors. Changes are periodically made to the information contained herein, but the Website content is not necessarily complete or up-to-date. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material. The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.

MLMIC may modify these Terms of Use and the agreement they create, at any time, simply by updating this posting or the information on its Website and without notice to you. It is your obligation to check the Terms of Use periodically for changes. Your continued use of the Website following the posting of any changes constitutes your agreement to those changes. If you do not agree to the Terms and Conditions of Website Use, you may not access the Website.

User Conduct

You understand and agree that MLMIC may not review, audit, or otherwise verify the accuracy of your data. If you submit information to or through this Website, you are solely responsible for any information uploaded or entered. MLMIC is not responsible for any issues that may arise with respect to information provided by you or your affiliates. You also understand and acknowledge that you shall not use the Website for any use not authorized within this Terms of Use. You shall not provide any information other than your own or of others without their express consent.

Prohibited Uses

You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website:

  • In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).
  • For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.
  • To send, knowingly receive, upload, download, use, or re-use any material that does not comply with the Content Standards set out in these Terms of Use.
  • To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation.
  • To impersonate or attempt to impersonate MLMIC, a MLMIC employee, another user, or any other person or entity (including, without limitation, by using email addresses associated with any of the foregoing).
  • To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm MLMIC or users of the Website, or expose them to liability.

Additionally, you agree not to:

  • Use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website.
  • Use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.
  • Copy or reproduce any material on the Website without express prior written consent of MLMIC.
  • Use any manual process to monitor or copy any of the material on the Website, or for any other purpose not expressly authorized in these Terms of Use, without our prior written consent.
  • Use any device, software, or routine that interferes with the proper working of the Website.
  • Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
  • Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website.
  • Attack the Website via a denial-of-service attack or a distributed denial-of-service attack.
  • Otherwise attempt to interfere with the proper working of the Website.

Monitoring and Enforcement; Termination

We have the right to:

  • Take any action with respect to your use of the Website and concerning any information you provide that we deem necessary or appropriate in our sole discretion, including if we believe that such use of information violates the Terms of Use, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the Website or the public, or could create liability for MLMIC.
  • Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy.
  • Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Website.
  • Terminate or suspend your access to all or part of the Website for any or no reason, including without limitation, any violation of these Terms of Use.

Without limiting the foregoing, we have the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Website. YOU WAIVE AND HOLD HARMLESS MLMIC AND ITS AFFILIATES, LICENSEES, AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY MLMIC DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER MLMIC OR LAW ENFORCEMENT AUTHORITIES.

We assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party on or through the Website. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.

Disclaimer of Warranties

MLMIC expressly disclaims any and all responsibility and liability with respect to actions or omissions based on any information or articles contained in this Website. You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our Website for any reconstruction of any lost data. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER MLMIC NOR ANY PERSON ASSOCIATED WITH MLMIC MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE OR THE CONTENT CONTAINED THEREIN. WITHOUT LIMITING THE FOREGOING, NEITHER MLMIC NOR ANYONE ASSOCIATED WITH MLMIC REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

IN ADDITION, MLMIC NEITHER WARRANTS NOR REPRESENTS THAT YOUR USE OF THE WEBSITE WILL NOT INFRINGE THE RIGHTS OF THIRD PARTIES. ANY MATERIAL, SERVICE, OR TECHNOLOGY DESCRIBED OR USED ON THE WEBSITE MAY BE SUBJECT TO INTELLECTUAL PROPERTY RIGHTS OWNED BY THIRD PARTIES WHO HAVE LICENSED SUCH MATERIAL, SERVICE, OR TECHNOLOGY TO MLMIC.

TO THE FULLEST EXTENT PROVIDED BY LAW, MLMIC HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation on Liability and Exclusion of Certain Claims

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL MLMIC BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, YOUR ACCESS TO, DISPLAY OF OR USE OF THE WEBSITE OR ITS CONTENT OR WITH THE DELAY OR INABILITY TO ACCESS, DISPLAY OR USE THE WEBSITE (INCLUDING, BUT NOT LIMITED TO, YOUR RELIANCE UPON ANY OPINIONS OR INFORMATION APPEARING ON THE WEBSITE; ANY COMPUTER VIRUSES, INFORMATION, SOFTWARE, LINKED WEBSITES, PRODUCTS, AND SERVICES OBTAINED THROUGH THE WEBSITE; OR OTHERWISE ARISING OUT OF THE ACCESS TO, DISPLAY OF OR USE OF THE WEBSITE) WHETHER BASED ON A THEORY OF NEGLIGENCE, CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE WEBSITE AND FOR THE SERVICES AND INFORMATION OFFERED ON THE WEBSITE. YOUR ONLY REMEDY AGAINST MLMIC FOR DISSATISFACTION WITH THE WEBSITE OR ANY SERVICES OR INFORMATION OBTAINED THROUGH THE WEBSITE IS TO STOP USING THE WEBSITE. THAT SAID, IF MLMIC IS FOUND TO BE LIABLE TO YOU FOR ANY DAMAGE OR LOSS WHICH IS IN ANY WAY CONNECTED WITH YOUR USE OF THE WEBSITE, MLMIC’S LIABILITY SHALL NOT EXCEED $100.

Indemnification

You agree to defend, indemnify, and hold harmless MLMIC, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Website or the Website content or services other than as expressly authorized in these Terms of Use, or your use of any information obtained from the Website.

Miscellaneous

If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions. No waiver by MLMIC of any term or condition set out in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of MLMIC to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

The Terms of Use, and our Privacy Policy constitute the sole and entire agreement between you and MLMIC regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.

These Terms and Conditions of Website Use, and the agreement they create, shall be governed by and interpreted according to the laws of the State of New York. By accessing the MLMIC Website, you have directed your system to a computer located in the State of New York. Any and all disputes arising from the content of the MLMIC Website are to be governed exclusively by the laws of the State of New York.

At MLMIC’s sole discretion, it may require you to submit any disputes arising from these Terms of Use or use of the Website, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying New York law.

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE WEBSITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

Your Comments and Concerns

All other feedback, comments, requests for technical support, and other communications relating to the Website should be directed to www.mlmic.com/contact