Terms of Use

TERMS APPLICABLE TO ALL USERS OF THIS WEBSITE REGARDING AGENT AND BROKER COMPENSATION.

1. Introduction

YOUR USE OF THIS WEBSITE IS EXPRESSLY CONDITIONED UPON YOUR ACCEPTING AND AGREEING TO THESE TERMS OF USE. YOUR USE OF THIS WEBSITE WILL BE DEEMED TO BE ACCEPTANCE OF THESE TERMS OF USE.

IF THESE TERMS OF USE ARE NOT COMPLETELY ACCEPTABLE TO YOU, YOU MUST IMMEDIATELY TERMINATE YOUR USE OF THIS WEBSITE.

You may print a copy of these Terms of Use for your records at any time by using the "print" function on your internet browser.

These Terms of Use ("Legal Terms") describe the terms and conditions applicable to your access and use of this Website, which is owned, operated and controlled by Zurich American Insurance Company ("Zurich", "we", "us", or "our"). Zurich does business as Zurich North America.

Zurich may, at any time, for any reason and without notice, make changes to (i) this Website, including its look, feel, format, and content, as well as (ii) the products and/or services as described in this Website. Any modifications will take effect when posted to the Website. Therefore, each time you access the Website, you need to review the Legal Terms upon which access and use of this Website is conditioned. By your continuing use of the Website after changes are posted, you will be deemed to have accepted such changes.

Zurich makes no representation that the information,  or other content on the Website (collectively, "Content") is of a detailed, specific nature as applies to any compensation that Zurich may provide to agents or brokers, except where we state to the contrary; instead, the Content is of an overview of a general, summary nature, accurate insofar as a general summary permits, except in those instances where we state to the contrary, such as where we provide "actual" compensation paid to an agent or broker.  Those who choose to access this Website from other locations other than the United States do so at their own risk and are responsible for compliance with applicable local laws.

2. Scope of Use and User E-Mail

You are only authorized to view, use, copy for your records and download small portions of the Content (including without limitation text, graphics, software, audio and video files and photos) of this Website for your informational, non-commercial use, provided that you leave all the copyright notices, including copyright management information, trademarks or service marks or other proprietary notices intact. You may not store, modify, reproduce, transmit, reverse engineer or distribute a significant portion of the Content on this Website, or the design or layout of the Website or individual sections of it, in any form or media. You will not download quantities of materials from the Website to a database that can be used to avoid future downloads from this site and you will not distribute any such materials to anyone for a fee.  Systematic retrieval of data or other information from this Website to create or compile, directly or indirectly, a collection, compilation, database, or directory without the express written consent of Zurich is prohibited.

The commercial use, reproduction, transmission or distribution of any information, software or other material available through the Website without the prior written consent of Zurich is strictly prohibited.

3. Copyrights and Trademarks

The Website is protected by copyright as a collective work and/or compilation, pursuant to U.S. copyright laws, international conventions and other laws. Unless otherwise indicated, the Content, including, but not limited to, graphic images, buttons, layout, trademarks, service marks, logos, text, and other materials contained in this Website are the exclusive property of Zurich or its third party licensors. Except as expressly provided under the "Scope of Use" Section above, you may not use, reproduce, modify, transmit, distribute, or publicly display or operate this Website without the prior written permission of Zurich. You may not use a part of this Website on any other Web site, without Zurich's prior written consent.
4. Privacy

Internet Privacy Statement
The nature of our business requires a relationship of respect with the users of the Website. As with other companies that maintain Internet sites, we want you to know about our Internet privacy practices. The following statement sets forth our current practices and applies to www.Zurichna.com and any other sites that are owned, operated and controlled by Zurich in the United States. Apart from this statement, however, if you are a Zurich policyholder entitled by law or regulation to a notice about our privacy policy and our use of personal financial and health information, then that privacy policy is provided in connection with the insurance policy. The privacy policy notice included with any insurance policy is separate and in addition to this Internet privacy statement. Changes to this Internet privacy statement may be made at any time, as described in Section 1 of these Legal Terms.

Our Use of Personal and Non-Personal Information

We collect one kind of information about our Website users: non-personal information, which is information collected online to track the total number of guests visiting this Website and to guide our efforts to improve this Website. To achieve these improvements, the Website , like many web sites, use "cookies" (a small text file placed on the user's hard drive) to facilitate site navigation, maintain quality of online service, provide additional security, and allow the customization of your access to the Website. Cookies themselves do not enable us to access any personal information about our users; however, they do allow us to analyze use of the Website. The "cookies" automatically collect information about your computer hardware and software, which can include browser type, access times and Internet Protocol (IP) address. The Website does not use "cookies" to collect information for distribution to third parties for any purpose, nor does it use "cookies" to secure information from other Websites you may visit.

You may not link to this Website without Zurich's written permission. If you are interested in linking to this Website, please contact dnstech@zurichna.com.

5. No Warranties

THE WEBSITE, AND ANY CONTENT, WHILE BELIEVED TO BE ACCURATE, ARE PROVIDED TO YOU ON AN "AS IS," "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND WHETHER EXPRESS, STATUTORY OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, SYSTEMS INTEGRATION, ACCURACY, AND NON-INFRINGEMENT, ALL OF WHICH ZURICH EXPRESSLY DISCLAIMS. ZURICH WILL NOT BE LIABLE OR OTHERWISE RESPONSIBLE FOR ANY FAILURE OR DELAY IN UPDATING THE WEBSITE OR ANY CONTENT.  ZURICH MAKES NO REPRESENTATIONS OR WARRANTIES THAT USE OF THE CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR ANY RESULTS OR OTHER CONSEQUENCES OF ACCESSING THE WEBSITE AND USING THE CONTENT, AND FOR TAKING ALL NECESSARY PRECAUTIONS TO ENSURE THAT ANY CONTENT YOU MAY ACCESS, DOWNLOAD OR OTHERWISE OBTAIN IS FREE OF VIRUSES OR ANY OTHER HARMFUL COMPONENTS. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMER MAY NOT APPLY TO YOU. YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.

6. Governing Law, Location and Miscellaneous

These Legal Terms shall be governed in all respects by the laws of the State of Illinois USA, without reference to its choice of law rules. If an applicable law is in conflict with any part of the Legal Terms, the Legal Terms will be deemed modified to conform to the law. The other provisions will not be affected by any such modification.

The Website is operated by Zurich American Insurance Company on behalf of itself and its subsidiaries and affiliated companies. The administrative offices of Zurich American Insurance Company are located at 1400 American Lane, Schaumburg, Illinois 60196.

Zurich American Insurance Company is licensed to write insurance in all states, including DC, PR, and the U.S. Virgin Islands.
 

7. Termination

Zurich may terminate the right of any user to access the Website at any time, with or without cause, in Zurich's absolute discretion and without notice. Any statement in the Legal Terms or elsewhere on the Website of specific grounds for termination of a user's right to access the Website shall in no manner limit Zurich's absolute right to terminate any user's access to the Website.

8. Separate Agreements

You may have other agreements with Zurich. Those agreements are separate and in addition to these Legal Terms, except as expressly set forth herein. These Legal Terms do not modify, revise or amend the terms of any other agreements you may have with Zurich, or with any other company within the Zurich Financial Services Group, except as expressly set forth herein.

9. No Professional Advice

The information available on the Website is intended to be a general information resource regarding the matters covered. It is not offered as legal, accounting or other professional advice. This Website is not intended for use by minors. YOU SHOULD EVALUATE ALL INFORMATION AND OPINIONS AVAILABLE ON THIS WEBSITE IN CONSULTATION WITH YOUR INSURANCE SPECIALIST, OR WITH YOUR LEGAL, TAX, FINANCIAL OR OTHER ADVISOR, AS APPROPRIATE.

10. Arbitration

Except as regarding any action seeking equitable relief, including without limitation for the purpose of protecting any Zurich confidential information and/or intellectual property rights, any controversy or claim arising out of or relating to these Legal Terms or this Website shall be settled by binding arbitration in accordance with the commercial arbitration rules, in effect at the time the proceedings begin, of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be held in Chicago, Illinois USA.

All information relating to or disclosed by any party in connection with the arbitration of any disputes hereunder shall be treated by the parties, their representatives, and the arbitrator as proprietary business information. Such information shall not be disclosed by any party or their respective representatives without the prior written authorization of the party furnishing such information. Such information shall not be disclosed by the arbitrator without the prior written authorization of all parties. Each party shall bear the burden of its own counsel fees incurred in connection with any arbitration proceedings.

Judgment upon the award returned by the arbitrator may be entered in any court having jurisdiction over the parties or their assets or application of enforcement, as the case may be. Any award by the arbitrator shall be the sole and exclusive remedy of the parties. The parties hereby waive all rights to judicial review of the arbitrator's decision and any award contained therein.

11. Limitation of Liability

WHILE ZURICH HAS MADE EVERY EFFORT TO ENSURE THE ACCURACY OF THE INFORMATION PROVIDED IN THIS WEBSITE, YOUR USE OF THE CONTENT IS AT YOUR OWN RISK. ZURICH SPECIFICALLY DISCLAIMS ANY LIABILITY, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO, USE OF OR RELIANCE ON THE CONTENT (EVEN IF ZURICH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) OR THAT ARISE IN CONNECTION WITH MISTAKES OR OMISSIONS IN, OR DELAYS IN TRANSMISSION OF, INFORMATION TO OR FROM THE USER, ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION OR DELIVERY, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORDS, PROGRAMS OR FILES, INTERRUPTIONS IN TELECOMMUNICATIONS CONNECTIONS TO THE WEBSITE OR VIRUSES, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF, OR UNAUTHORIZED ACCESS TO THE WEBSITE OR THE CONTENT. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY, SO THIS LIMITATION MAY NOT APPLY TO YOU.  12. Indemnity You agree to indemnify and hold Zurich, and its parent, subsidiaries, affiliates, officers, agents, or other partners, and employees, harmless from any and all liabilities, claims, demands and expenses, including reasonable attorneys' fees, due to or arising out of your use or misuse of the Website, any services therein, or for infringement by you of intellectual property rights or other rights of any third party.  You may assume exclusive control of any defense or any matter subject to indemnification by you and you agree to cooperate with Zurich in such event.  13. Designated Agent Under The Digital Millennium Copyright Act The Digital Millennium Copyright Act ("DMCA") provides a mechanism for notifying service providers of claims of unauthorized use of copyrighted materials.  Under the DMCA, a claim must be sent to the service provider's Designated Agent.  If you believe in good faith that a notice under the DMCA should be sent to Zurich, please notify Zurich’s Designated Agent: dnstech@zurichna.com. Please make sure that any notice of claim complies with the detailed requirements set forth in the DMCA (see 17 U.S.C. Sec. 512 (3)).  

Please do not send any other notices or communications to the Designated Agent.

    Last update of this page: August 31, 2007

Please be advised that your access to this Web site is governed by the Terms of Use. Please review them before accessing this Web site. Your use of this Web site constitutes your acceptance of the Terms of Use.