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Demotech Website Terms of Use & Privacy Policy

Terms of Use

These terms of use are entered into by and between you and Demotech, Inc.  The following terms and conditions govern your access to and use of the website,, and the content of the website including without limitation the rating opinions and other information displayed on the website.  By using the website you accept and agree to be bound by these terms and conditions.  If you do not agree to these terms and conditions, you may not use the website.

You are responsible for ensuring that all persons who access this website through your internet connection are aware of these Terms of Use and comply with them.

These terms of use provide you with a personal, revocable, non-exclusive, nontransferable license to use the website conditioned on your continued compliance with the terms and conditions of these terms.

Ownership of Information

The website and all information on the website is the property of Demotech or used by Demotech with permission, and is protected by copyright law and other U.S. and international laws and treaties.  You are granted no right, title or interest in or to the website content other than the limited license expressly set forth in these Terms of Use.  You may not modify, publish, transmit, participate in the transfer or sale of, reproduce, create derivative works from, distribute, perform, display, incorporate into a website or in any way exploit the website content, or any portion thereof, without the express written permission of Demotech.

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


You agree to defend, indemnify and hold harmless Demotech, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the website, including, but not limited to, any use of the website’s content and services other than as expressly authorized in these Terms of Use.

Governing Law

All matters relating to the website and these Terms of Use and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Ohio without giving effect to any choice or conflict of law provision or rule.  Any legal suit, action or proceeding arising out of, or related to, these Terms of Use or the website shall be instituted exclusively in the federal courts of the United States or the courts of the State of Ohio in each case located in Franklin County, although we retain the right to bring any suit, action or proceeding against you for breach of these Terms of Use in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Changes to these Terms of Use

Demotech may at any time revise these Terms of Use by updating this posting.  You are bound by these Terms of Use and should, therefore, review the most current Terms of Use by clicking the link at the bottom of the Demotech website directing you to these Terms of Use.


Privacy Policy

Information We May Collect

When you access or use our website, or use other online services provided by Demotech, we may collect, store, and use certain information about you in accordance with this policy.  We may collect information from you directly, including when you submit an inquiry via an online form or electronic mail, request information from us, or subscribe to or purchase our publications.  Such information may include your name, contact information, email address, company and title.  Demotech’s website may also capture certain usage information of those who access our website, including network location and internet protocol (IP) addresses; types of web browser and operating systems; times of visits, pages visited, and time spent on each page of the website; and referring website details such as the URL through which a user arrived at our website. This usage data is not tied to usable personal information about the users of our website.  This website does not use cookies.  We retain information that is collected through our website only for as long as needed for the purpose for which it was provided, or as otherwise required for our legitimate interest. Your information may be retained for longer periods if there are valid legal grounds, for example if required by law or court order or to defend or pursue legal claim.

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.

Sharing Policy

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.

Legal Disclosures

Demotech is a U.S. based company.  This Privacy Policy discloses the types of information we collect.  Any personal information we collect is collected for the commercial purpose of effectively providing our services to you, as well as enabling you to learn more about, and benefit from, our services.  We will not disclose or share your personal information with third parties for the purposes of third-party marketing to you without your prior consent.  Other than as disclosed in this policy, the website does not track users over time and across third-party websites to provide targeting advertising.  Therefore, the website does not operate any differently when it receives Do Not Track (DNT) signals from your internet browser. In the event we are subject to the legal or regulatory requirements of certain jurisdictions, we will comply with requests, subject to verification of your identity, which could include the right to access information we hold about you, have inaccurate or unnecessary information rectified or deleted or to ask us to stop using your information in a certain way.  This Privacy Policy and all statements herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.  You may contact us at:  Demotech, Inc., 2715 Tuller Parkway, Dublin, OH 43017, contact form, 800-354-7207.

Changes to this Privacy Policy

Demotech may revise this Privacy Policy at any time without prior notice to you.  Any changes to the privacy policy will be posted here as soon as they occur.