When we refer to “we,” “us,” or “our,” we mean Capital Insurance Group®* or any other affiliated company within Capital Insurance Group which includes California Capital Insurance Company, Eagle West Insurance Company, Monterey Insurance Company and Nevada Capital Insurance Company.
When we refer to “you,” “your,” or “user,” we mean the person accessing this site. If the person accessing this site does so on behalf of, or for the purposes of, another person, including a business or other organization, “you” or “your” also means that other person, including a business organization.
By accessing this site, continuing to access this site, or downloading materials from this site, you agree to abide by the Terms of Use described in this notice. If you do not agree to abide by these Terms of Use, do not use this site or download materials from this site.
These are the Terms of Use that apply to any of our websites (“site(s)”) whether accessed through the internet or any other electronic means.
This site is controlled, operated and administered by us from offices within the United States of America and for the purpose of servicing our policyholders and assisting independent insurance agents in the marketing and promoting of our products and services solely within the United States. We make no representation that our products and services or the materials at this site are appropriate or available in all states.
All coverage information provided by this site is in general terms and is superseded in all respects by the Insuring Agreements, Exclusions and Conditions of the Policy. Some coverages or discounts may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages or discounts may have been eliminated or modified since the posting on this site. The issuing, renewal, or cancellation of any insurance policy, policy terms and conditions, and rates are subject to underwriting review.
We authorize you to view and download materials from this site only for your use in connection with the lawful purchase, marketing and/or evaluation of our products and services. This authorization is not a transfer of any rights in the materials. Any copies you make of the materials (including by printing or by retaining electronic copies) are subject to the following restrictions.
To the extent that you provide to us any third party or consumer information by submitting it to us or using it on this site, including “Personal Information” (which includes, without limitation, “personal data,” “personal information,” “personally identifiable information,” “personal health information,” “nonpublic information,” and “personal financial information,” each as defined by privacy and data protection applicable laws relating to the collection, use, sharing, storage, transmission, and/or disclosure of information about an identifiable individual).):
Your use of this site establishes a business or other applicable relationship with us for purposes of CAN-SPAM, the Telephone Consumer Protection Act, and all other applicable law that addresses unsolicited commercial communications. By accessing, or continuing to access, this site, you agree that we or independent insurance agents may call, e-mail, or otherwise communicate with you regarding promotion of the products or services we provide.
You may not make any statements on, or provide or post any information to, this site that is, knowingly false, misleading, defamatory, threatening, obscene, harassing, or otherwise unlawful, or that, without proper notice and authorization, incorporates the proprietary material of another or the Personal Information of any consumer which is protected by any privacy laws and/or regulations including, but not limited to, the Gramm-Leach-Bliley Financial Modernization Act, the California Consumer Privacy Act, the Health Insurance Portability and Accountability Act, and/or any similar state or federal privacy law or regulation.
No Unauthorized Access, Intentional Interruption or Destructive Material Enrollment by legitimate users is required as a condition for accessing some services or resources provided on this site. Unauthorized use of or access to these areas is prohibited. We reserve the right to reject or discontinue site access or services to any user at our sole discretion.
You agree not to attempt to: a) interrupt the operation of any site; b) gain unauthorized access to our computers or computer codes; or c) introduce any electronic data or software containing viruses, worms, Trojan horses, web robots, crawlers, wanderers, spiders, and the like, or other destructive material to our computers which if transmitted through a software or electronic medium would adversely affect any computer software, hardware or telecommunications equipment.
Until you notify us otherwise and we have had a commercially reasonable time to respond to your notice, we may, and will, assume that every transaction entered into, every authorization received, and every act or omission undertaken using your email address and password (“Login Credentials”) are fully authorized by you. You are entirely and absolutely responsible for all activity performed or information disseminated through the use of your Login Credentials. IT IS A VIOLATION OF THESE TERMS AND CONDITIONS FOR YOU TO ALLOW ANOTHER PERSON TO USE YOUR LOGIN CREDENTIALS FOR ACCESS TO THIS SITE. PLEASE KEEP YOUR LOGIN CREDENTIALS CONFIDENTIAL.
We may terminate, change, suspend, interrupt, or discontinue any aspect of any site, including the availability of any features of any site, at any time. We may also impose limits on certain features and services or restrict your access to parts of this site or one or more entire sites without notice or liability. We may terminate the authorization, rights, and license given above.
This site and its content contain copyrights by us or other third parties and all rights are reserved.
ALL RIGHTS TO THE SITE DESIGN, ALL MATERIALS ACCESSED, VIEWED, OR OBTAINED AND POSTED AND/OR PROVIDED ON SITES ARE RETAINED BY US WITH THE RIGHT TO ENFORCE INTELLECTUAL PROPERTY RIGHTS IN SUCH MATERIALS. YOU MAY NOT COPY OR DISTRIBUTE ANY MATERIAL ACCESSED, VIEWED, OR OBTAINED FROM ANY SITE, EXCEPT AS EXPRESSLY PROVIDED HEREIN OR WITHOUT OUR EXPRESS WRITTEN PERMISSION.
Trademarks of others are the property of their respective owners. We make no claim to the trademarks of others.
We do not knowingly permit anyone to post materials on this site where such posting would violate copyright or other applicable law, including the Digital Millennium Copyright Act (“DMCA”) (including 17 USC § 512).
Except where controlled through regulations governing a user’s license to offer, sell, service or purchase our products and services, you must commence any suit or other action in connection with your use of any site within one year after events giving rise to the claim or cause of action occur. In no event shall these Terms of Use, serve to create or extend to any user any private claim or cause of action against us or our agents.
Except for policyholders having a legal right to bring a suit or other action against us within a state where a policy is issued, you irrevocably consent to the Choice of Law, Jurisdiction and Venue and Dispute Resolution provisions below.
The laws of the State of Michigan and the federal laws of the United States govern these Terms of Use. Any suit or other action arising out of, or in any way connected with, your use of any site may be brought only in the exclusive jurisdiction of the Circuit Court in the County within which the home office of Auto-Owners Insurance Company is located at the time of any dispute, or the Western District of Michigan Federal District Court.
In lieu of civil litigation, at our sole discretion, we may elect to have any dispute arising out of or related to your use of, or association with, this site to be settled solely by binding arbitration in accordance with the Commercial Dispute Resolution Procedures, or where appropriate, the Supplementary Procedures for Consumer-Related Disputes of the American Arbitration Association. The place of arbitration will be in the vicinity of Lansing, Michigan. The arbitration will be conducted in English. Any award by the arbitration panel may be entered in, and enforced by, any court of competent jurisdiction.
If, for any reason, a Court of competent jurisdiction finds any provision of the Terms of Use or the Privacy Policy, or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of the Terms of Use and the Privacy Policy, and the remainder of the Terms of Use and the Privacy Policy shall continue in full force and effect.
THE SITES AND ALL MATERIALS MADE AVAILABLE ON OR THROUGH THEM ARE PROVIDED CONDITIONAL ON THE USER RECOGNIZING THAT THE QUALITY, AND ACCURACY OF THE INFORMATION OBTAINED FROM THE SITE MAY DEPEND ON THE USER PROVIDING ACCURATE INFORMATION. WE FURTHER DISCLAIM ALL IMPLIED WARRANTIES AS MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE. WE WILL NOT BE LIABLE TO YOU FOR ANY DAMAGES, COSTS, SUITS, ACTIONS, LOSSES, OR ANY OTHER HARM THAT RESULTS FROM YOUR USE OF ANY INFORMATION, SERVICES OR MATERIALS PROVIDED BY OR THROUGH THIS SITE.
Without affecting any other limitation of liability contained in these Terms of Use or otherwise:
Supported Operating Systems: Windows 7, 8, 8.1, 10 (supported versions), Mac OS (versions 10.11.6 and higher), Android OS 6.0 Marshmallow and higher, and iOS OS version 11.0 and higher (Not recommended in Compatibility Mode); Internet browser software: Microsoft Internet Explorer version 11 or higher, Google Chrome version 67 or higher; Access to an e-mail account that is capable of receiving e-mail messages. It is also recommended that your inbox has adequate message storage, and the ability to open a referenced link in an e-mail message; Adobe Acrobat Reader DC version 18 (2018.011.20055) or higher is recommended to view documents.
We reserve the right, at our sole discretion and without any notice, to change, modify, add, or remove any portion of these terms and conditions at any time. Changes in these terms and conditions will be effective when the revised terms and conditions are posted on this site and/or otherwise communicated to you. Your use or continued use of any site after any changes to these terms and conditions are posted will be considered acceptance of those changes. PLEASE READ THESE TERMS OF USE AND THE SITE PRIVACY POLICY EVERY TIME YOU ACCESS ANY SITE TO MAKE SURE THAT YOU CONTINUE TO AGREE TO THEIR TERMS.
Last revised as of December 16, 2019.
* Capital Insurance Group is a member of the Auto Owners Insurance Group ®