Your use of the website of Relation Insurance, Inc. (along with its affiliates, Relation, we or us) or any of the products or services offered on the website (Services) is subject to these Terms of Use (Terms). When you access or use our website, you are acknowledging and accepting these Terms. We may change the Terms from time to time, so please check back whenever you use the website. Your access or use after any such changes are implemented constitutes your acknowledgment and acceptance of the changes.

USE OF THE RELATION WEBSITE IS AT YOUR OWN RISK. YOU ASSUME FULL RESPONSIBILITY AND RISK OF LOSS RESULTING FROM YOUR USE OF THE RELATION WEBSITE.

Some of the Services may be subject to additional posted conditions and your use of those Services is subject to those conditions. In the event of any inconsistency between these Terms and any additional posted conditions, the provisions of the additional posted conditions will control.

Unless you have greater rights in a separate written and signed agreement with us, we have the right, but not the obligation, to take any of the following actions in our sole discretion at any time and for any reason without giving you any prior notice:

• Restrict, suspend or terminate your access to all or any part of our Services or the website;
• Change, suspend or discontinue all or any part of our Services;
• Refuse, move or remove any content that is available on our website; and/or,
• Establish general practices and limits concerning our website.

You agree that we will not be liable to you or to any third party for taking any of these actions.

You may not interrupt, or attempt to interrupt, the operation of Relation’s website in any way.

You understand and agree that our Services may include communications, such as announcements and administrative messages from us, from our subsidiaries or other affiliates or from businesses with which we have commercial relationships (Other Businesses) and that these communications are considered part of our Services. You also understand that our Services may include advertisements.

You understand that when you visit our website or send an email to us, you are communicating with us electronically.  We may communicate with you by email or by posting notices on this website.  You consent to receive communications from us using such methods.  To the full extent allowed by law, you agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Content on our Website

Our website includes a combination of content that we create, that our subsidiaries or other affiliates create and that Other Businesses create. All materials published on our website, including, but not limited to, written content, photographs, graphics, images, illustrations, marks, logos, derivative works and animation, are proprietary and the intellectual property of Relation, our affiliates or the Other Businesses. Such materials are protected by both these Terms and contractual and intellectual property laws, including, without limitation, copyright, trademark, patent and trade secret laws. You may not, without our prior written consent, modify, publish, transmit, participate in the transfer or sale of, reproduce, create derivative works of, distribute, publicly perform, publicly display, or in any way exploit any of the materials or content on our website in whole or in part, other than as necessary for your own personal non-commercial use.

Our website contains content that we create, as well as content provided by third parties. This content may include, among other things, company information and service and product information or reviews. There may be some inadvertent inaccuracies or typographical errors in the content and we do not guarantee the accuracy, integrity, completeness or quality of the content on our website or that located in any third party URLs that may be posted on our web site. See “Disclaimer of Warranties,” below.

Content in the Relation website that is used or referenced in any print or electronic media must be done in accordance with generally accepted standards, and must provide for proper attribution to Relation.

Trademarks and Logos

Without Relation’s prior written consent, the use of the trademarks, service marks and logos of Relation and its affiliates is prohibited. Relation and the other respective owners and licensees of any trademarks, service marks and logos included in this website retain and reserve all their rights related thereto. We will strictly exercise and enforce our rights to them to the fullest extent of the law.

Software and Data Transmissions

The Relation website may contain software or other information that is confidential and proprietary to Relation and/or protected by the trade secret laws of the individual states of the United States. As part of Relation’s efforts to maintain the secrecy of such information, you are prohibited from decompiling, reverse engineering and/or disassembling any portion or the whole of the Relation website.

Relation has the right but not the obligation to monitor any transmission made to and for this website. Relation may reproduce, use, distribute or disclose information transmitted to this website or collected through the use of this website. You acknowledge that such information shall be deemed to be non-confidential and that your communication may be read or intercepted by others. You acknowledge that by transmitting information, no confidential or other relationship is created between you and Relation.

Links to and from Other Websites

The Relation website may contain links to other websites, including websites not owned by or under the direct control of Relation and other websites may contain links to the Relation website (websites to or from which Relation is linked are linked websites). Relation does not endorse, and is not responsible for, the functionality of the links to or from, content or applications provided by or through, or privacy policies or other agreements included in, any linked websites. Relation does not license to you any content or application provided by or through a linked website and your use of content or application(s) provided by or through any linked website is governed solely by your agreement, if any, with the owner and/or provider of the linked website. You use linked websites and links to and from any third party website at your sole risk. Relation is not responsible for any incorrect data, errors in computation, improper transmission of data, or a security breach resulting from your use of a linked website or a link to or from a linked website. Relation provides links to you solely as a convenience.

Disclaimer of Warranties; Disputes; Governing Law; Arbitration

THIS SITE IS PROVIDED BY RELATION ON AN “AS IS” AND “AS AVAILABLE” BASIS. RELATION MAKES NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, TITLE, COMPATIBILITY, SECURITY, ACCURACY OR NON-INFRINGEMENT. WITHOUT LIMITATION, WE DO NOT WARRANT THAT (1) THE FUNCTIONS CONTAINED IN THE RELATION WEBSITE SHALL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (2) THE RELATION WEBSITE, INCLUDING THE SERVERS ON WHICH THE WEBSITE IS OPERATED, ARE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS; OR (3) INFORMATION PROVIDED IN THE WEBSITE IS COMPLETE, ACCURATE, ERROR-FREE OR UP-TO-DATE.

In no event shall Relation be liable for any cost or direct, indirect, special, incidental or consequential damages arising out of or in connection with the use of, or the inability to use, this website. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services, content or other information provided.  All information contained on or distributed through this website is posted or distributed with the understanding that the Relation is not rendering legal, accounting, tax or other professional advice or opinions. You must consult your own legal, accounting or tax advisor with respect to your specific situation.

By visiting this website, you agree that the laws of the state of Delaware, without regard to principles of conflict of laws, will govern these Terms and any dispute of any sort that might arise between you and Relation. Any dispute relating in any way to your visit to this website shall be submitted to confidential arbitration in Delaware, except that, to the extent you have in any manner violated or threatened to violate the intellectual property rights of Relation, Relation may seek injunctive or other appropriate relief in any state or federal court, and you consent to exclusive jurisdiction and venue in such courts. Arbitration under this agreement shall be conducted under the rules then prevailing of the American Arbitration Association. The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise.

Additional Representations, Warranties and Covenants by You:

• You are of a proper age to enter into your agreement with these Terms.
• You enter into this agreement with these Terms with a sound mind and not under duress or emotional distress.
• You will at all times comply with all applicable laws, rules and regulations with respect to your use of the Relation website, the Services and with respect to any products and services related to such website.
• You will not use the Relation website to infringe, misappropriate or violate any rights of Relation, and/or any third party, including, without limitation, any customer or supplier of Relation or any person or entity associated with or visiting the Relation website.
• Any information that you provide to Relation through the website is true and accurate, and you shall modify such information as necessary or appropriate to maintain the accuracy of the information.
• You will comply at all times with these Terms, including, without limitation, any modifications to the Terms and/or any agreements to which there is or may in the future be a link and/or a reference herein.
• You will not post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging criminal conduct, giving rise to civil liability or otherwise violating any law.
• You will not post or transmit any information or software which contains a virus, worm, Trojan horse or other harmful component.
• You will not restrict or inhibit any other user from using the website.
• Relation’s products and services may not be available in all jurisdictions. In some states, Relation Insurance, Inc. and its affiliates may conduct business using other names.