Important Legal Notice

Copyright ©2009-2015, Star & Shield Insurance Exchange (hereinafter “Star & Shield®”). All rights reserved and no implied license to reproduce content is implied, granted or provided.

Star & Shield® is a reciprocal insurance company with its principal place of business in Tallahassee, Florida. As a reciprocal, it has specific membership and underwriting requirements. Star & Shield Holdings LLC and Star & Shield Services LLC are Delaware companies with their principal place of business in Tallahassee, Florida. Star & Shield Risk Management LLC and Star & Shield Claims Services LLC are Florida domiciled companies with their principal place of business in Tallahassee Florida.

Star & Shield® products and services are available only in those jurisdictions where Star & Shield® is authorized by law to promote or sell them.

This document outlines the Terms and Conditions of Use relating to your use of this web site. By visiting or using this web site in any manner, and regardless of how you accessed it, you agree to and accept the terms and conditions, including any additional terms or conditions within the web site itself (collectively “Terms and Conditions”). Use of this web site constitutes your acceptance of any revisions to these web site terms. These Terms and Conditions apply only to your use of this site and do not change or alter any other agreement or contract between you and Star & Shield® or any of its affiliates. If you choose not to accept these Terms and Conditions, please do not use this web site or send e-mail to any Star & Shield® e-mail address. This site is not intended to provide legal advice or guidance. You should consult an attorney for advice as to any legal issues.

Privacy Policy

Our Privacy Statement describes our use and protection of nonpublic personal information. Please see our Privacy Statement for more information.

Ownership of Materials & Restrictions on Use

This web site, and all information on the website, including but not limited to files, text, symbols, graphics, software, audio, and video is the copyrighted work of Star & Shield®, and no person has the right or permission to copy, republish, use, display, or create derivative works from such this web site in any form, except as otherwise allowed. The Star & Shield® computer network and this website are the private property of Star & Shield®.

Electronic Signatures

You may choose to conduct certain transactions online and agree to receive information electronically. You will need a computer with a current version of a web browser, an active connection to an Internet Service Provider, the ability to download and print documents, and a current version of Adobe’s Acrobat Reader, which you can download for free.

Some of the electronic transactions include quotes, updates, notifications or other information that you request, transaction receipts, documents requiring your signature, or any other documents (“Electronic Documents”). Your consent to use Electronic Documents does not obligate Star & Shield® to provide such documents electronically. We may choose to provide the documents through hard copy.

When you choose Electronic Documents, you will be given the option of either checking the appropriate box, or entering specific information into a box. You agree that by checking the box or entering the appropriate information, you are providing your consent to the use of the Electronic Document and such election constitutes your electronic signature and consent, and you agree to be bound by the terms and conditions in such Electronic Documents to the same extent as you had signed a paper document. Please be sure to print or save these copies and keep them for your records. You may also contact us if you need a paper copy.

Passwords and Security

We have taken reasonable steps to secure the information in this web site, though you are responsible for protecting the security of your computer. We encourage you to maintain the security and confidentiality of your password by carefully creating and frequently changing your password. You should not share your password with anyone. Star & Shield® will not ask you for your password. You should keep your operating system, Internet browser, firewall, antivirus and anti-spyware software up to date, and keep informed about potential security threats. If you believe your password has been compromised, change your password immediately and contact us.

Prohibited Use

You may not use this site to engage in any illegal activity and may not use this site or send e-mail that is, or is designed to be illegal, obscene, profane, pornographic, indecent, threatening, harassing, or offensive on the basis of sex, national origin, race, age, religion, military status, disability or any other illegal classification, libeling, embarrassing, defamatory, invasive of privacy, infringing on intellectual property rights, or to violate any applicable law including the Controlling the Assault of Non-Solicited Pornography And Marketing Act of 2003 (CAN-SPAM) which provides national standards for the sending of commercial e-mail and anti-spam provisions.

You may not use the Star & Shield® site to send any bulk e-mails to the Star & Shield® e-mail address, including political or religious communications, solicitations of any kind, or informational announcements, or engage in any activity that could overburden or damage Star & Shield® software or hardware. You may not attempt to obtain access to any material or information on this web site that is protected by passwords or requires login identification. Likewise, you may use the login information related to you and no other person.

Star & Shield® reserves the right to disclose your identity and any content you submit, and to cooperate in any prosecution as a result of or in response to any legal actions including civil and criminal prosecution.

Policy Information, Coverage and Changes

Unless otherwise specified, you may not add, delete or modify a policy or coverage on this web site. You must be eligible for membership, and submit an application, which is subject to underwriting eligibility, either electronically or through our customer service department, in order to obtain coverage. Any coverage or policy descriptions on this web site are descriptive and do not form part of your insurance contract. You should read your contract to understand your rights and responsibilities.

Links to Star & Shield®

Star & Shield® may allow other entities to link this web site. However, without our express prior consent, no one may link to this web site in a manner that is designed to or suggests any endorsement or affiliation that does not exist. In allowing links to this web site, we do not allow any use of our service mark.

Links to Other Web Sites

Star & Shield® may provide links to other Internet web sites that are not maintained by Star & Shield®. Star & Shield® makes no representations, guarantees, or warranties of these web sites, or their products or services and does not endorse any of these other web sites or their products or services. Star & Shield® is not responsible for the privacy or security practices of any link or web site.

Disclaimers

This web site is provided by Star & Shield on an “as is” and “as available basis. To the full extent permitted by state law, Star & Shield® makes no representations or warranties, express or implied, regarding the Star & Shield® web site or any information, services, materials, software or other items or operations on this site. Star & Shield® disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Nothing in this web site shall be construed as an advertisement in any jurisdiction where Star & Shield® or its affiliates are not licensed to sell or market insurance. Star &Shield® may change the programs, products or content on this web site at any time without prior notice. Your continued use of this web site constitutes acceptance of any changes. Star & Shield® is under no obligation to maintain this web site, update Star & Shield® content or otherwise support any link to the Star & Shield® web site. All insurance products on this web site are subject to availability, qualifications and state and federal law.

Unless otherwise stated in this web site, Star & Shield® does not accept unsolicited materials relating to its services. We will consider as non-confidential any e-mails or postings to this web site, except as required by federal or state law, including laws related to personal information.

Limitation of Liability

Star & Shield® will not be liable to you or anyone else and disclaims all liability, whether based on contract, tort, 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, directly or indirectly, arising from the use or performance of the information, services, materials, software or other items of this web site, or inability to use this site, even if Star & Shield® is expressly advised of the possibility of such damages, except as prohibited by state law. This limitation on liability includes, but is not limited to, transmission of viruses.

Governing Law, Jurisdiction and Severability

This web site and the Terms of Use shall be governed by and construed in accordance with the laws of the State of Florida without giving effect to any principles of conflict of laws provisions. Dedicated jurisdiction and venue of any claim or dispute shall be with a court of competent jurisdiction in Leon County, Florida. You consent to the jurisdiction of such courts and agree to accept service of process issued by such courts. The Uniform Computer Information Transactions Act or any substantially similar law, if and as enacted, will not govern any aspect of these web site Terms of Use, or your access to and use of this web site. If any provision of these Terms of Use is held invalid, void or unenforceable, then that provision will be considered severable from the remaining provisions, and the remaining provisions shall remain valid and in effect to the fullest extent possible. We do not represent or warrant that materials on this website are appropriate for use outside of the United States of America.