Overview
Through your access and use of the NORCAL Mutual Insurance Company (NORCAL) website, you agree to review and be legally bound by the following Terms and Conditions of Use without limitation or qualification, regardless of how you accessed this site. If you do not agree to be bound by these Terms and Conditions of Use, you must discontinue using this site immediately.NORCAL may amend these Terms and Conditions of Use or any other aspects of this site without prior notice to you by updating this posting or otherwise posting the changes to this site. Since you are bound by any such revisions, you should visit this site regularly to review the current and effective Terms and Conditions of Use.
Certain provisions of these Terms and Conditions of Use may be superseded by expressly designated legal notices or terms located on particular pages at this site. This Agreement governs your use of this site and access to the services. To the extent that any provision of this Agreement, or any supplemental agreement offered as any part of any registration for additional services on this site, conflicts with any provision of other agreements between you and NORCAL or any of its related or affiliated entities, the terms of this Agreement, shall, as to the specific subject matter of this Agreement, take precedence over conflicting terms of any such other agreement.
If any provisions of this Agreement are found by a court or arbitration panel of competent jurisdiction to be invalid or unenforceable, they shall be to that extent severed from this Agreement such that the remainder thereof shall remain in full force and effect and shall continue to bind the parties.
The section headings used in this Agreement are for convenience only and have no legal or contractual effect.
Information Contained on this Website
The information, materials, documents, etc. contained on this website are intended for general informational purposes only. While NORCAL strives to ensure that the content on this site is current, accurate and reliable, NORCAL does not warrant or guarantee that it is.NORCAL does not warrant that said content is applicable to your individual circumstances. The content should not be construed as a coverage interpretation of the policy in whole or in part. For complete descriptions of the terms, conditions and exclusions of insurance coverages or other products or services, please contact your insurance representative or refer to the particular policy or contract. The content is not intended to be a substitute for, nor does it constitute, professional, medical or legal advice and you should not construe it as such.
Use of This Website
You are not permitted to use this website to engage in any illegal activity. Further, you may not use this website to engage in conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party's intellectual property or other proprietary rights. You agree that any information you provide through this site will be truthful and accurate.Copyrights and Trademarks
All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations and software, the compilation of all content on this site, and all software used on this site are the property of NORCAL, its affiliates or its content suppliers, and are protected by United States and international copyright laws. Trademarks owned by NORCAL or its affiliates, the NORCAL logo, and all other trademarks, service marks, logos, and trade names (collectively, “marks”) of NORCAL or its affiliates appearing on this site are owned by NORCAL, its affiliates or its licensors. Nothing in this Agreement or on this site grants you any right or license to make use of any materials or marks on this site except as described in the remainder of this section.You are authorized only to visit, view and retain a single copy of pages of this site solely for your own individual, noncommercial use, and you agree that you will not duplicate, download, publish, modify or otherwise distribute any material on this site for any purpose other than your own individual, noncommercial use unless you obtain NORCAL’s prior written consent. None of the legal notices and various credits posted on the pages of this site, however, may be removed under any circumstances.
You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the NORCAL home page provided: (i) the link does not portray NORCAL, its affiliates, or their products or services in a false, misleading, derogatory or otherwise offensive matter; and (ii) the link does not use any of the marks without NORCAL’s prior written consent.
Notwithstanding any of the foregoing provisions of this section, you (i) may not frame or utilize framing techniques to enclose any marks or (ii) use any meta tags or any other hidden text utilizing the marks, unless you have NORCAL’s prior written consent.
Limitation of Liability
You access and use this site and the content provided on it at your own risk. The content is provided on an “as is” and “as available” basis. The content is provided without any warranties, expressed or implied or statutory, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.NORCAL does not warrant that the functions contained in the materials will be uninterrupted or error- free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. NORCAL does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not NORCAL) assume the entire cost of all necessary servicing, repair, or correction. NORCAL does not warrant that information available on or through this site is appropriate, accurate or available through or in any particular jurisdiction, and accessing it from jurisdictions where their contents are illegal is expressly prohibited.
NORCAL also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.
Indemnity/Hold Harmless
The NORCAL website is being provided by NORCAL to you as a free additional service. You agree that you shall be solely responsible for any and all liabilities arising from your use of the NORCAL website and/or disclosure of any information obtained there from. You agree to hold NORCAL and NORCAL’s owners, directors, officers, employees, agents, attorneys, affiliates and sublicensees and each of their respective successors harmless from all damages, costs, expenses and other liabilities including, but not limited to, attorneys’ fees and expenses relating to any claim arising out or resulting from your access to the NORCAL website or your use, disclosure or authorization for NORCAL to disclose any data or content thereon.Jurisdiction
This Agreement shall be governed by the laws of the State of California as such laws are applied to contracts executed in and to be performed entirely within California by California residents. This means that California law will be applied to the interpretation of these Terms and Conditions of Use even for non-California residences.Emails to NORCAL Addresses
The NORCAL email system is a private email system intended only for purposes authorized by NORCAL. You are not authorized to send numerous unsolicited commercial email messages to any NORCAL email address. NORCAL reserves the right to take actions as may be necessary to prevent misuse of its email system by unauthorized parties.Links to Other Websites
This website may contain links to or material from sites on the internet which are not created, published, maintained or otherwise controlled by NORCAL. These links are provided solely for the convenience of the users of this site and do not constitute a sponsor or an endorsement by NORCAL of those sites or that the sites are affiliated with NORCAL in any manner. NORCAL undertakes no obligation to monitor such sites and is not responsible for any information contained on them or any information you provide on them.Secured Areas/Passwords
Some portions of this website are password protected 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 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 an authorized user of any password-protected area, you are responsible to maintain the security/confidentiality of your password. Do not share your password with anyone. NORCAL will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, contact NORCAL.
