ISG Terms of Use Last Revised: 03/16/2006
Welcome to the ISG International, Inc. (“ISG”) website located at www.isgintl.com and its associated web pages, content, and other materials (collectively, the “Website”). Please review the following agreement (the “Terms of Use”) between us and you, the user of the Website. By using the Website, you agree to be bound by these Terms of Use. These Terms of Use may be updated from time to time, so please check back frequently. Your continued use of the Website signifies your acceptance of any changed items. If you do not agree with these Terms of Use, please do not use this Website.
GENERAL USE PROVISIONS The trademarks, logos, and service marks displayed on the Website (collectively, the “Marks”) are proprietary to ISG and others. ISG and any other such trademark owners retain all rights in and to the Marks, and nothing in these Terms of Use grants you any right whatsoever to the Marks. You may not use, reproduce, or display any Marks without the owner’s prior written consent.
Unless expressly stated on the Website, you should assume that all content, images, documents, and materials appearing on the Website (collectively, the “Content”) are the sole property of ISG or the property of our suppliers and are protected by U.S. and international copyright laws and treaties. You may make and use printouts of the content for your personal, non-commercial use only, provided that the printouts retain all copyright, trademark and other proprietary notices. You may not use, reproduce, display, or sell any Content without ISG’s prior written consent.
ISG grants you a limited license to access and make personal use of the Website and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of ISG. This license does not include any resale or commercial use of the Website or its contents; any derivative use of the Website or its contents; or any downloading or copying of account information for the benefit of another. The Website or any portion of the Website may not be reproduced, duplicated, copied, sold, resold, visited or otherwise exploited for any commercial purpose without the express written consent of ISG. You may not frame or utilize framing techniques to enclose any trademark, logo or other proprietary information (including images, text, page layout or form) of ISG without the express written consent of ISG. Any unauthorized use terminates the permission of license granted by ISG.
You agree not to use the Website or anything on it for illegal purposes or in any way that infringes upon the rights of others or violates any law. You also agree not to interfere with the proper working of the Website or any of its features or services. You may not link to any part of the Website or frame or display any of our Content on another web page without our prior written permission. You further agree that you will not take any action that imposes, in ISG’s sole discretion, an unreasonable or disproportionately large load or burden on the Website. You agree that any information you provide through the Website will be truthful and accurate.
ISG PRIVACY POLICY Please take a few moments to read our Privacy Policy, which explains what information we collect through the Website, how we use that information, and what choices you have. By using the Website, you agree to be bound by the terms of our Privacy Policy.
TERMINATION OF SERVICES/WEBSITE ISG may modify or discontinue the Website or the services provided here at any time, with or without notice to you. ISG will not be liable to you or any third party as a result of such modification or discontinuation. The provisions of these Terms of Use will survive any termination of the Website or any services provided here.
AVAILABILITY Not all of the products or services described on the Website are available in all geographic areas of the United States. You may not be eligible for all of the described products or services and we reserve the right to determine the eligibility of any user for any product or service. The pages relating to each product or service may provide additional information on the availability of each product or service and may contain terms governing eligibility.
DISCLAIMER Your use of the Website is at your own risk. Without limiting any other provision contained in these Terms of Use, everything on the Website is provided to you “AS IS” WITHOUT ANY WARRANTY OF ANY KIND, WHETHER EXPRSS OR IMPLIED, AND ISG HEREBY DISCLAIMS ALL WARRANTIES, INCLUDING WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCANTABILITY, FITNESS FOR A PARTICULAR PUPOSE, NON-INFRINGEMENT, AND QUIET ENJOYMENT. ISG MAKES NO WARRANTIES THAT THE MATERIAL CONTAINED ON THE WEBSITE IS ACCURATE OR COMPLETE, OR THAT THE WEBSITE WILL OPERATE ERROR-FREE OR WITHOUT INTERRUPTION, OR THAT THE WEBSITE, ITS SERVICES OR ANY E-MAIL SENT FROM ISG ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
LINKS The Website may contain links to other Internet websites or resources. You acknowledge and agree that ISG is not responsible or liable for (i) the availability or accuracy of such sites or resources, or (ii) the content, advertising, or products on or available from such sites or resources. The inclusion of any link on the Website does not imply that we endorse the linked site. You use the links at your own risk. The Uniform Resource Locator (URL) address in your web browser will tell you if you are still in the ISG site or have moved elsewhere. The ISG privacy policy does not apply to the practices of any companies or individuals that ISG does not control, or any web sites that you visit from the Website. You should use caution and review the privacy policies of any sites that you visit from ours to learn more about their information practices.
LIMITATION OF LIABILITY IF YOU DO NOT AGREE WITH OUR TERMS OF USE, OR IF YOU ARE NOT SATISFIED WITH THE WEBSITE OR THE SERVICES PROVIDED HERE, YOUR SOLE REMEDY IS TO DISCONTINUE YOUR USE OF THE WEBSITE. ISG WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES RELATING TO OR ARISING OUT OF YOUR USE OR INABILITY TO USE THE WEBSITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, WHETHER OR NOT ISG HAS BEEN ADVISED OF THE POSSIBILTY OF SUCH DAMAGE. THE EFFECTIVENESS OF THESE LIMITATIONS IS AN EXPRESS PRECONDITION TO YOUR USE OF THE WEBSITE.
SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU.
NOT PROFESSIONAL ADVICE The information contained on and provided through the Website is not intended to constitute professional advice. ISG uses reasonable efforts to provided quality information and material, but does not warrant or guarantee the accuracy, completeness, adequacy or currency of the information contained in or linked to the Website. Users of information from the Website or links to other websites do so at their own risk.
SECURED AREAS/PASSWORDS Some portions of the Website are restricted and require authorization for access. Unauthorized use of or access to these areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas.
If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. If you know or suspect that your password has been compromised, contact us immediately at info@isgintl.com to request a change of your password. If you suspect any unauthorized activity related to your account, you should contact ISG immediately.
INSURANCE QUOTES/COVERAGES Quotes provided by ISG do not constitute an offer to purchase insurance coverage. All quotes generated from information submitted to this Website are estimates based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on this site are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to ISG and provide ISG with all requested documents and information for purposes of underwriting. All applications are subject to underwriting approval. Coverages and availability may vary by state or province. For additional information, please contact ISG.
NOTICE: As Independent Insurance Agents, ISG International, Inc. represents many insurance carriers in the marketplace. When proposing that your business insurance be placed with a particular carrier, we consider many factors. Examples of those factors include the carrier’s experience with your industry, a willingness to even offer coverage, financial rating/strength, coverage terms, conditions, and pricing, and your claim history, just to mention a few.
Our goal is to be a trusted resource for you. Therefore, we search the market for opportunities to develop products, and create innovative solutions to fill business insurance needs. One such product and innovative solution is an insurance program ISG developed with Great American Insurance Company where selected clients are placed with a division of Great American. Although Great American has the ultimate authority, ISG employees perform some of the underwriting duties involved, including issuing a policy. The arrangement with Great American on these policies is known as a captive insurance program, because Great American does not bear all of the risk associated with these selected clients. Certain principals of ISG have put their own capital at risk on these insurance policies to share the risks and returns on those policies. One benefit to you, our policyholder, is having an insurance company that understands your business, your claims, and your risks to ultimately reduce your costs.
The principals of ISG may profit or lose from their investment, but ISG continues to receive only the customary commissions from Great American, as if no such arrangement existed. While we are alerting you to this relationship as part of ISG’s commitment to openness with our policyholders, we are confident that these products provide the value you have come to expect from ISG. Although value means different things to different people—the factors most often mentioned by our policyholders are our customer service, the price of insurance, the financial strength of the insurance company, the breadth of coverage, and the speed and quality of service in the event of a claim—these products have proven their value. They are competitive in pricing and coverage and provide an alternative that has filled gaps in coverage options for our customers, among other benefits. Whether you choose one of these Great American products or those of another carrier, you can be assured that ISG is recommending them for your consideration as part of our quest to be a trusted resource for you.
If you have any questions about your Great American product, or any other insurance questions, please feel free to contact your ISG International agent at 1-800-336-5659.
ONLINE CLAIMS SUBMISSIONS If you are an ISG customer, you may elect to report an insurance claim online where available. Your submission does not commit the insurer to coverage for this loss. Information you submit regarding your insurance policy and the loss is subject to review and verification. ISG and the insurer each reserve the right to request additional information. A claim representative will be communicating with you regarding your claim. All policy provisions contained in your policy remain in effect. If you have any questions concerning the coverage afforded by your policy, please contact your ISG representative.
INDEMNITY You agree to defend, indemnify, and hold harmless ISG, its officers, directors, employees, agents, and partners, from and against any claims, actions, or demands, including without limitation reasonable legal and accounting fees, made by any third party due to or resulting from your use of the Website, your violation of these Terms of Use, or your violation of any laws, regulations, or third-party rights.
JURISDICTION Unless otherwise specified, the materials in our site are presented to provide information about ISG, our insurance products and the insurance business. ISG operates and controls its sites from the Company's headquarters in Cambridge, Maryland, in the United States of America. We do not in any way imply that the materials on the sites or the products we discuss are available or for use outside the United States or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction. By completing an on-line request for a rate quote, you are confirming that you are not a resident in any such jurisdiction.
GENERAL PROVISIONS Nothing contained in the Website or these terms of use shall be construed or deemed to amend or supplement the terms of any existing policy. These terms will be governed by and construed in accordance with the laws of the State of Maryland, excluding that body of law governing conflict of laws. Any legal action or proceeding relating to or arising out of these Terms of Use or your use of the Website will be brought in a federal or state court in the State of Maryland, and you submit to the venue and personal jurisdiction of such court. If any provision of these Terms of Use is held to be invalid or unenforceable, such provision will be enforced to the greatest extent possible and the remaining provisions will remain in full force and effect. Headings are for reference purposes only and in no way define, limit, construe, or describe the scope or extent of such section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. Except for other agreements or terms appearing on the Website, these Terms of Use set forth the entire understanding and agreement between us with respect to the subject matter hereof. ISG has the right to revise these Terms at any time without notice by updating this posting. You agree that regardless of any statute or law to the contrary, any claim or cause of action you may have arising out of or related to your use of the Website must be filed within six (6) months after such claim arose or be forever barred. Any rights not expressly granted herein are reserved by ISG.
INTELLECTUAL PROPERTY NOTICES Elements of the Website are protected by trade dress and other laws and may not be copied or imitated in whole or in part. No logo, graphic, sound or image from the Website may be copied or retransmitted unless expressly permitted by ISG.
ISG, the ISG logo, CCBsure, the CCBsure logo, and other ISG product names referenced herein are registered trademarks or trademarks of ISG International, Inc. in the United States and other jurisdictions. All other product names, company names, marks, logos, and symbols are trademarks of their respective owners.
© 2006 ISG International, Inc., 204 Cedar Street, Cambridge, Maryland 21613 U.S.A. All rights reserved.
ADDITIONAL INFORMATION This website is owned and operated by ISG International, Inc., 204 Cedar Street, Cambridge, MD 21613. Any questions relating to this website or these Terms of Use may be directed to info@isgintl.com. Thank you for your interest in ISG and the CCBsure insurance program.
