Terms Of Use

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1. Introduction

This document outlines the terms and conditions that govern your use of the information, materials, resources, links, and services found at federatedinsurance.com (the “Web site”) and provides additional information regarding Federated Mutual Insurance Company, its affiliates, and subsidiaries (“Federated,” “We,” “Our”). Your use of this Web site is conditioned upon acceptance of these Terms of Use. If you do not agree to the terms below, please do not use this Web site or send e-mail to anyone at federatedinsurance.com. You agree to regularly review these terms and conditions and agree that continued use of this Site following any changes will constitute acceptance of such changes.

For users of the Web site who are only accessing public information, your use of the Web site shall be deemed acceptance of these Terms of Use.

Users are required to enroll in order to gain access to secured information. For enrolled users, your use of the Web site shall be subject to the terms contained in the Terms of Use, and you are required to demonstrate your assent by clicking on the “I ACCEPT” button at the bottom of this screen .

Federated reserves the right, in its sole discretion, to modify without prior notice: 1) this Web site, including the content and design of this site, 2) the services provided on this Web site, and 3) the Terms of Use. Your continued use of the site is acceptance of any changes to the Terms of Use.

2. Use of Web site

Federated owns and operates this site and the materials located at this domain name (federatedinsurance.com) for your use. This site is directed to persons and entities conducting business in the United States. It is not directed at any person or entity for whom our services or products are unavailable or are otherwise contrary to laws or regulations, whether due to nationality, citizenship, residence, location, or otherwise. We do not warrant or represent that the content or materials contained in this site are available or appropriate outside of the United States.

You may not use this site to conduct illegal activity, including defamatory, libelous, malicious, or harassing behavior. Nor may you use this site to infringe upon another’s intellectual property rights. You agree that the information you provide will be accurate and truthful.

Except as otherwise provided, you may view, use, download, or print small portions of the content of the Web site for your informational, non-commercial use, provided you leave all copyright notices intact. You may not store, modify, reproduce, transmit, reverse engineer, or distribute significant portions of the content of this Web site, or the design or layout thereof, except as otherwise provided. Some sections of the Web site may be reproducible for enrolled users as provided below.

This Web site provides general information about Federated’s products and services, and on occasion services of third parties that may be of interest to you. This information is not an offer to sell insurance nor a solicitation to buy. The materials and information are not a complete description of the terms and conditions of a particular product or service. Federated is not engaged in the rendering of legal or other advice. You are not a client of Federated merely by visiting this Web site. Federated does not intend to provide information on this Web site to suit your specific circumstances and needs. Please contact a Federated marketing representative to further discuss your needs.

We take measures to provide you with accurate information. If you believe that any personal information we have about you or your dependents is not accurate, please let us know by contacting Customer Service at 1-800-377-9154 from 7:00 a.m. to 4:30 p.m., Central time, Monday through Friday. If you have any questions regarding the use of this site, please contact us at (800) 533-0472.

3. Privacy Policy

Federated’s Online Privacy Policy and Notice of Privacy Practices may be viewed online. Federated is committed to abiding by all laws regarding privacy and consumers’ privacy interests. If you are a policyholder entitled to notice of our privacy policies, such notice is provided in connection with the insurance policy issued to you. The privacy notice and/or privacy policy provided in your insurance policy is in addition to this Online Privacy Policy. Changes to this Online Privacy Policy may be made at any time as provided above.

4. E-mail

E-mail submissions over the Internet may not be secure and are subject to possible interception by third parties. Consider this as you transmit messages over the Internet. You are not authorized to submit or transmit e-mails through the Web site that: 1) are numerous, unsolicited, or commercial, 2) are defamatory, threatening, obscene, or harassing, 3) contain a virus, worm, Trojan horse, or other harmful component, 4) incorporate copyrighted or other proprietary material for which you do not have permission, or 5) violate other applicable laws.

5. Information You Submit

We use the information you submit to Federated by e-mail, through our Web site, and other pages we may add periodically, to respond to your inquiries for information and services. Our use of this information is subject to our Online Privacy Policy including the Notice of Privacy Practices. However, Federated reserves the right to disclose information it determines, in its sole discretion, to be necessary to satisfy any law, regulation, or governmental request or to avoid liability for Federated or any third party.

You agree to provide current, true, accurate information in connection with your use of this Web site. You agree to not use a false or misleading name for which you are not authorized.

This Web site may use “cookies” to store some personal preferences for your future use of our Web site as well as collect anonymous traffic data. Among other functions, cookies tell Federated whether you have visited the Web site before. Cookies allow the Web site to recognize you more quickly and provide you quicker access to the information you need .

6. Copyrights/Trademarks

The Federated “shield” logo, the terms Federated^®, Federated Insurance^®, Federated Direct^®, and phrases such as It’s Our Business to Protect Yours^®, among others as noted, as well as all logos and graphics using Federated’s name are the intellectual property of Federated and/or are registered trademarks of Federated. Federated’s logo and marks may not be used without express written permission.

Except as otherwise noted, all materials on this Web site, including text, graphics, design, layout, audio, and video are the property of Federated or are used with permission of third party licensors and are protected by copyright or other intellectual property laws. Except as provided above in section 2, you may not use, reproduce, transmit, or distribute any of the information or material on any other site, in the metatags of any other site, or in any other material. You are not permitted to modify, create derivative works, distribute, or otherwise use any material within this Web site, except as provided herein.

7. Links and Third-Party Site including the Federated Web site.

Federated provides links to other sites via this Web site for your general information as well as potential services available to you through the Federated Shield Network^(SM). Federated is unable to confirm, verify or edit the content of any third party website. All services obtained by you through these third party websites are provided for your convenience only and are not an endorsement of the company, products or services to which this Web site links. Federated does not control and is not responsible for these sites, the accuracy of the content, nor the privacy or security of the sites. You are encouraged to conduct your own evaluation of the appropriateness, applicability and and usefulness of the third party website.

Please refer to the separate terms of use, privacy policies, and other rules posted on these third party linked sites before you use them. FEDERATED DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, TO ANY SUCH LINKED SITES OR THEIR SERVICES, INCLUDING BUT NOT LIMITED TO ANY TERMS AS TO THE ACCURACY, OWNERSHIP, VALIDITY, OR LEGALITY OF ANY CONTENT OF A LINKED SITE.

You agree to contact Federated at federatedinsurance.com to advise us that you are linking to our Web site. You may not place Federated’s pages in a frame on your own site. Nor may you attempt to pass off Federated’s content as your own. If you wish to republish a major portion of any Federated content, contact Federated at federatedinsurance.com to obtain permission.

8. Disclaimer of Warranties

This Web site and its content, including services (including third party services), materials, information, and tools are provided to you “as is” without any warranty of any kind, express or implied, including, without limitation, the implied warranties of merchantability, accuracy, systems integration, non-infringement, and fitness for a particular purpose. Federated makes no warranty as to the accuracy, completeness, currency, or reliability of the content of this or any linked site. Nor will Federated be liable for delay in updating the Web site. We do not warrant that the Web site will operate error-free or uninterrupted. Any risk arising from the use or performance of the services, information, materials, software, or other items remains entirely with you, and Federated shall not be liable for any damages arising from your use of the Web site.

9. Governing Law and Severability Provisions

This Web site is governed by the laws of the State of Minnesota without giving effect to any principles of conflict of laws and any legal action must be filed in the State of Minnesota. If any provision of this agreement shall be held invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions shall remain intact and enforceable.

These Terms of Use apply to your use of this Web site and do not change or alter any other contract or agreement you may have with Federated.

10. Termination

Federated reserves the right to terminate the right of any user to access the Web site at any time, with or without cause, and without notice.

11. Changes to this Document

The content of this Web site and these Terms of Use or other policies that govern the use of this Web site are subject to change without notice including termination of a the Services or any part of the Service. You should review these Terms periodically for changes. If you use the Site after we post changes to the Terms, you agree to the changed Terms.

12. Limit of Liability

To the extent permitted by law, Federated disclaims liability, whether based in contract, tort, negligence, strict liability, or otherwise, for damages of any kind (including, but not limited to, direct, indirect, incidental, consequential, special, punitive, or exemplary damages) in any way arising out of functionality or use of this Web site or its services, or any other link we provide to another site even if Federated is expressly advised of the possibility of such damages.

We will not be liable for any delay, difficulty in use, incompleteness of information, computer viruses, malicious code, loss of data, or compatibility issues that you may encounter while using this Web site. You use this Web site at your own risk. You assume full responsibility for using this site, which is provided without warranty of any kind, express or implied.

In the event the foregoing or any portion thereof is deemed unenforceable, Federated’s aggregate liability for any cause of action arising out of or related to the use of the Web site shall be limited to direct damages actually incurred up to $300.00. Since some states do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.

13. Indemnity

You agree to indemnify, defend, and hold Federated harmless, and at our request, to defend us from and against all claims, demands, causes of action based upon or arising out of: 1) your use of the Web site, 2) your violation of the terms and conditions of this Terms of Use, 3) the infringement, by you or anyone using your password, of the intellectual property rights of any person or entity and 4) your use of third party web sites that may be linked to the Federated Web site.

14. Additional Information about Federated Mutual Insurance Company

Federated conducts business in most states of the United States of America. Its Home Office is located at 121 East Park Square, Owatonna, MN 55060.

Not all products and services are available in all states. You may not be eligible for all products, and Federated reserves the right to determine your eligibility as permitted by law. Some products and services may be subject to specific terms and conditions. See the relevant portions of this Web site for further information on specific products and services.

The Federated Insurance Companies are domiciled in the State of Minnesota and are licensed as follows:

• Federated Mutual Insurance Company, licensed in all states and the District of Columbia, except Alaska and Hawaii, NAIC Code 13935.
• Federated Life Insurance Company, licensed in all states except Alaska and Hawaii, NAIC Code 63258.
• Federated Service Insurance Company, licensed in all states except Alaska, Hawaii, New Hampshire, New Jersey, Rhode Island, and Vermont, NAIC Code 28304.

15. Use of Risk Management Services

Enrolled users are entitled access to secured information and materials. Enrolled users are only authorized to view, use, and copy for your records, portions of certain pages of this Web site for your informational, risk management, non-commercial use, provided you leave all copyright notices or other proprietary notices, if any, intact.. Federated assumes no responsibility for the content of third party Web sites access from the Federated Web Site. Information provided to you on this Web site is provided in good faith based upon information available to Federated. Federated believes the information is accurate but does not guarantee its accuracy.

16. No Professional Advice

The information, including Risk Management materials, available on this Web site is intended for general information regarding the matters covered and is not tailored to your unique situation. Information is provided as a service to our policyholders and their business advisors, and in some instances, to members of our aligned trade association members. The information may present recommendations, suggestions, or ideas that are not applicable to the unique conditions and operations of your business or specific state requirements. The advice of an independent legal or other business advisor should be obtained in developing forms and procedures for your business. The information and recommendations contained on this Web site may help reduce the risk of loss but should not be construed as eliminating any risk of loss.

17. Registration and Security

Some portions of this Web site are restricted and require registration for access. It is your responsibility to keep your user name, password and other personal information confidential. Do not share your password with anyone. You may be held responsible for all use of your user name and password. As a user or enrolled user, you agree not to help anyone else access our Web site if they are not authorized to do so. You also agree not to introduce a computer virus into this site or to do anything else that would damage this site. In the event you discover unauthorized access of your user name and password, contact Federated at federatedinsurance.com immediately. Unauthorized use of restricted areas is prohibited. Actual or attempted unauthorized use of or access to restricted areas may result in criminal and/or civil prosecution. All access to this Web site may be viewed, monitored, and recorded. This information may be used in the investigation of unlawful behavior using this Web site and you release Federated from all liability related to its monitoring activities of this Web site. If you do not consent to this monitoring, you should not attempt to access this Web site.

As an additional security measure, customer login IDs and passwords which are not used for more than a year will be deleted.

18. Additional Terms

• Federated operates and controls this Web site in the State of Minnesota. You agree that with regard to all matters related to use of this Web site, the laws of the State of Minnesota shall govern.
• If any provision of these Terms is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect.
• No failure to exercise and no delay in exercising, by Federated, any right, power or privilege hereunder shall operate as a waiver, except as expressly provided herein. Any waiver by Federated of a breach of any provision of these Terms of Use shall not be deemed to be a waiver of any other or subsequent breach and shall not be construed to be a modification of the Terms of Use unless and until agreed to in writing by Federated.

Last changed: March 1, 2010