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Web Site Usage Agreement Terms and Conditions

This page sets forth the terms and conditions under which FFVA Mutual Insurance Company (“FFVA Mutual,” or “we”) provide the information on this web site, as well as the terms and conditions governing your use of this site. By making use of this web site, you agree to be bound by the terms and conditions that appear here. The terms and conditions are subject to updating at any time without notice. If at any time you do not accept the terms and conditions, do not access the web site or any of its pages. Changes to the terms and conditions take effect when posted to the web site.

We may terminate, change, suspend or discontinue any aspect of the web site, including the availability of any features of the web site, at any time.

Laws and Regulations

Access to and use of this web site are subject to applicable federal, state and local laws and regulations.

Login Credentials Use

While we cannot guarantee that information transmitted through the Internet is secure, for certain types of communications     through this web site, FFVA Mutual may require the use of available technologies or other precautions provided for your protection and/or     require you to provide login credentials (user name and password). If you have been assigned login credentials for access to     restricted sections of this site, you are responsible for all activities executed via those credentials and are the only one who may use them.     You are responsible for protecting your login credentials from disclosure to third parties. It is a violation of these terms and conditions     for you to allow another person to use your login credentials, use the login credentials assigned to another person, or attempt to gain access to     resources for which you are not authorized is a serious breach of security.

Warranty & Liability - Disclaimer

FFVA Mutual specifically disclaims all warranties with respect to this web site or your use thereof. All information on the web site, including but not limited to graphics, text and links to other sites, is provided "as is" and "as available" and may be changed without prior notice. We do not warrant the content, quality, condition, accuracy, adequacy or completeness of this information. Other than as required by applicable consumer protection law or insurance law, if any, in no event will FFVA Mutual be liable for errors or omissions in this information or for any losses or damages, direct, indirect, incidental, special or consequential resulting from your use or misuse of, or reliance on, any such information. The information is provided without warranty of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or similar disabling devices. You are responsible for evaluating the accuracy, completeness or usefulness of any information, advice or other content available on this web site.

FFVA Mutual expressly disclaims any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, special, incidental or consequential damages, losses or expenses arising in connection with your use of or inability to use this site or any other web site linked to this site, or in connection with any failure of performance, error, omission, interruption, virus, defect, or delay in operation or transmission, even if we are aware.

Copyright Policy

All of the information on this web site, including all text, graphics, and photos (collectively, "Content"), and all rights in the pages and the screens displaying the pages are owned by FFVA Mutual and subsidiaries or affiliated entities. Appointed agents and brokers in good standing with FFVA Mutual may use and reproduce copies of this web site and its Content to conduct the authorized business of FFVA Mutual. If you are not an appointed agent or broker in good standing, you may refer to, cite or print and use the Content for your personal, non-commercial use as long as your copies retain all copyright, trademark and other proprietary notices that appear on the original screens. You may not modify, reproduce, copy, distribute, transmit, display, publish, sell, license, create derivative works of or use any aspect of the web site or its Content for commercial or public purposes or on any other web site or in a networked computer environment or engage in any other redistribution or republication of the Content. You may create a text link to the home page of our web site at www.ffvamutual.com for legitimate business reasons on the condition that it is clear to the users that they are exiting your site and entering a new site, you do not frame or in-line our web site or its Content, and you do not create a false association or endorsement or otherwise misrepresent your relationship with FFVA Mutual.

Trademarks

Trademarks, service marks, trade names, logos, URLs, domain names and icons ("Marks") appearing on this site, whether registered or not, are owned by FFVA Mutual and subsidiaries or affiliated entities and their licensors. Nothing on this web site grants you any right or license to use any of the Marks without the express written permission of FFVA Mutual or the third party owners of such Marks.

Hypertext Links To Third Party Sites

As a convenience to you, FFVA Mutual may provide links to third party web sites, or permit third parties to link to this web site. Because these other web sites are not under our control, we cannot guarantee the quality, accuracy, timeliness or security of those web sites. A link to or from another web site does not imply an affiliation between FFVA Mutual and the third party site owner or an endorsement of the third party site or any products or services that it describes. Your access to and use of any other Internet sites linked to or from this web site is at your own risk and we assume no obligation or liability in connection therewith. We may disable a link at any time and will remove any link from this web site at the third party site owner’s request.

Products and Services - Disclaimer

We may make improvements and/or changes in the programs described on this site at any time without notice.

Insurance coverage statements on this web site are for general description purposes only. This web site does not amend, modify or supplement any insurance policy. Consult the actual policy, your agent or contact us for the name of an agent who can supply you with details regarding terms, conditions, coverages, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to final determination of underwriting qualifications and acceptance by the FFVA Mutual underwriting company providing such products or services.

Further, this web site does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any such policy. Whether coverage exists or does not exist for any particular claim or loss under any such policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Choice of Law

This web site is controlled and operated by FFVA Mutual from offices within the United States of America. We make no representation that materials at this web site are appropriate or available for use at other Filenames outside of the United States or that access to their content from all territories is legal. You may not use the web site or export the web site materials in violation of U.S. export laws and regulations. If you access this web site from locations outside of the United States, you are responsible for compliance with all local laws. This Usage Agreement shall be governed by the laws of the United States. This Agreement constitutes the entire agreement between you and FFVA Mutual with respect to your use of the web site.