Ownership of Information
All rights regarding any trademarks, trade names, service marks, logos and/or trade dress (collectively, “Marks”) contained in, or used in connection with, the Website are expressly reserved by Demotech and our licensors. The Marks, and all associated logos or images, are registered and/or common law trademarks. No license with respect to the use of the Marks is granted to you under these Terms or by virtue of your use of the website. The Marks may not be copied, imitated or used, in whole or in part, without the prior written consent of Demotech or the consent of the applicable rights holder.
Reproduction, copying or redistribution of materials on our website for commercial purposes is prohibited without the express written permission of Demotech. To obtain permission to copy portions of this site or reproduce any information included on this website, including Financial Stability Ratings® (FSRs) or FSR seal images, please contact us at here or 800-354-7207. We will evaluate your request and advise you as soon as possible. We reserve the right to refuse permission to copy, distribute, broadcast or publish any of our copyrighted material, including text and images on our website.
Disclaimer of Warranties & Limitation of Liability
Information provided on the Website is provided “as is” without warranty of any kind, either express or implied, including without limitation, warranties of merchantability, fitness for a particular purpose or noninfringement. We may periodically change or update the information and documents on the website without notice, including Financial Stability Ratings® assigned to particular companies. Demotech assumes no liability or responsibility for any errors or omissions in the content of the website. Your use of the website is at your own risk. Under no circumstances and under no legal theory shall Demotech, our suppliers, or any other party involved in creating, producing or delivering the website’s contents be liable to you or any other person for any indirect, special, incidental or consequential damages of any character arising from your access to, or use of, the website.
Assumption of Risk
This website may be subject to certain limitations and issues that may occur with the use of electronic communications and the internet that are beyond the reasonable control of Demotech. Demotech assumes no responsibility, and shall not be liable for any harm resulting from the use of our website or your downloading of any materials, data, text, images, video, or audio from the website or any links associated with the Site, including any damages to, or viruses that may infect your computer equipment or other property, unauthorized access, or other issues.
Third Party Links
This website may provide links to other websites and materials. The inclusion of such links is for convenience only and should not be interpreted as an endorsement of the owner/sponsor of the site or the content of the site. Demotech is not responsible for the content of any site linked to or from our website. Your accessing other websites is done at your own risk. Demotech is not responsible and makes no statements as to the accuracy, validity, legality, or otherwise of any materials or information contained on such links or sites.
Disclaimers and Notices about Rating Opinions and Other Information
No information contained on this website may be reproduced, redistributed or resold, in whole or in part, without the express written consent of Demotech. Financial Stability Ratings® represent Demotech’s opinion of the ability of an insurer to meet its insurance related obligations based upon our assessment of financial information and other information. Demotech obtains information from sources considered reliable. Demotech reviews the data and information it receives for reasonableness and consistency, but does not independently audit the data it receives and assumes no responsibility for data provided by rated entities or prepared by third parties. FSRs do not constitute a warranty of a company’s ability to meet its contractual or legal obligations; are not recommendations to buy, sell or hold any securities, or to make any investment decisions related to the rated entity; and are not an endorsement of any particular insurer or its products. Insureds, agents, and third parties need to independently evaluate any relationship with a particular insurer as well as the applicability of an insurer’s products to the needs of the insured or agent. Demotech generally presents only current FSRs, as historical ratings information may not reflect a current, accurate assessment of an insurer. Historical ratings information is indicative only of Demotech’s review and opinion of the insurer at the date of the respective previous rating assignments. Only the most current FSR assigned to an insurer represents Demotech’s existing assessment and opinion of the insurer. The most current Financial Stability Rating® must be verified by visiting www.demotech.com.
Information We May Collect
How We Use Your Information
We use this information to respond to your inquiries, provide you with the requested information, and to understand the users of our website, subscribers to our publications, and persons with whom we interact so we can effectively provide our products and services to you and educate you about our company, products and services. Information provided directly by you is not sold or leased to any third party. Demotech has taken reasonable measures to securely store the information we collect from you. You should take every precaution to protect your personal data when you are using the internet.
We will never share, sell, or allow access to personal information. Information submitted to us is only available for our internal use. We may disclose information when necessary to protect the rights and property of Demotech, in an emergency situation to protect the safety of others, when required by law or regulation, if Demotech or its assets are merged with or acquired by another party, or with your consent. This website may contain links to other sites. We do not share your personal information with those websites and we are not responsible for their privacy practices.