Internet Terms and Conditions of Use
The Harford Mutual Insurance Group
Last Revised: July 16, 2021
Accessing the Websites and Account Security
We reserve the right to withdraw or amend the Websites, and any service or material we provide on the Websites, in our sole discretion without notice. We will not be liable if for any reason, all or any part of the Websites are unavailable, at any time, or for any period. From time to time, we may restrict access to some parts of the Websites, or the entire Website(s) to users, including registered users.
It is solely your responsibility to:
- Make all arrangements necessary for you to have access to the Websites; and
If you chose or are provided with, a username, password or other identifier, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide it to any other person or entity. You agree to notify us immediately of any unauthorized access to, or use of, your user name, password, PIN or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing any such account from a public or shared computer so that others are not able to view your user name, password, PIN or other personal information.
Third-Party Links to Other Websites
Content on any of our Websites may be hyperlinked to other websites, which are not maintained or controlled by the Company and are provided purely for your convenience. The Company is not responsible for the contents of those websites or resources, and accepts no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any third-party website linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites. You are solely responsible for viewing and abiding by the privacy policies and terms and conditions of use posted on third-party websites.
Intellectual Property Rights and Ownership of Information
The Websites and their entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by the Company, its licensors or other providers of such material, and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.
- Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials;
- You may store files that are automatically cached by your browser for display enhancement purposes; and
Agents in good standing with Harford Mutual may use and reproduce copies of the Websites and its content and create a text link to the home page of the Websites to conduct the authorized business of the Harford Mutual Insurance Companies.
The Company name, the Company logo and all related names, logos, products and service names, designs and slogans are trademarks of the Company, its affiliates, or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product or service names, designs and slogans identified on the Company’s Websites are the trademarks of their respective owners.
You acknowledge and agree that you are solely responsible for complying with the applicable restrictions on use of all materials, copyrighted materials and trademarks that you see, hear, and use on the Websites. You understand that any unauthorized use of such intellectual property would result in irreparable injury for which money damages would be inadequate. You further acknowledge that, in the event of any such unauthorized use, the Company or the applicable intellectual property owner will have the right, in addition to other remedies available at law and in equity, to immediate injunctive relief to prevent any such unauthorized use.
Questions regarding the use of any intellectual property provided on the Websites should be directed to firstname.lastname@example.org.
You agree that you will not:
- Modify copies of materials from the Websites;
- Use any illustrations, photographs, video or audio sequences or any graphics separately from the accompanying text;
- Delete or alter any copyright, trademark or other proprietary rights notices from copies of materials from the Websites;
- Use the Websites in any manner that could damage, disable, overburden, or impair the Websites or interfere with any other party’s use and enjoyment of them;
- Attempt to gain unauthorized access to any Website account, computer systems or networks associated with the Company or the Websites;
- Obtain or attempt to obtain any materials or information through the Websites by any means not intentionally made available or provided by the Company;
- Use any robot, spider, or other automatic device, process or means to access the Websites for any purpose, including monitoring or copying any of the material on the Websites;
- Introduce any viruses, Trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful;
- Attack the Websites via a denial-of-service attack or a distributed denial-of-service attack; or
- Impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using email addresses associated with any of the foregoing).
Notice and Consent to Receipt of Text (SMS) Messaging and Phone Calls
Not all mobile devices or handsets may be supported by this service. The Company and any mobile carriers are not liable for delayed or undelivered messages. Message and data rates may apply to any text messages. Message frequency depends on the nature of your request. You hereby agree to be responsible for all costs, charges and fees you incur from your service or device provider as a result of choosing to receive such messages from the Company.
Disclaimer – Products and Services
The information and descriptions contained on the Websites are not intended to be complete descriptions of all terms, exclusions, and conditions applicable to every insurance product or service offered by the Company, but are provided “as is” and for general informational purposes only. The Company makes no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes. In the event of any conflict between the content of the Websites and the terms and conditions contained in the insurance policies issued by the Company, the policies shall control.
Any statements contained on the Websites that may concern insurance coverage are for general purposes only. The Websites do not amend, modify, or supplement any insurance policy. You should review the actual insurance policy, or contact your agent who can supply you with the details regarding the terms, conditions, coverages, exclusions, products, services and programs, which may be available to you. Eligibility for particular products or insurance offerings is subject to final determination of underwriting qualifications set forth by Harford Mutual Insurance Group or its affiliates, which provide such products or services.
The Websites do 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 policy of insurance. Whether coverage exists or does not exist for any particular claim or loss depends upon the facts and circumstances involving that particular loss or claim and the applicable terms, conditions, limitations and exclusions of the policy at issue.
Disclaimer – Warranties
Harford Mutual cannot and does not guarantee or warrant that files available for downloading from the Internet of any of its Websites will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITES OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITES LINKED TO IT.
USE OF THE WEBSITES, THEIR CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITES IS AT YOUR OWN RISK. THE WEBSITES, THEIR CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABLITY OF THE WEBSITES. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY, NOR ANYONE ASSOCIATED WITH THE COMPANY, REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITES, WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THOUGH THE WEBSITES WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.
THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.
SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OR LIMITATION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU. YOU MAY HAVE OTHER RIGHTS, WHICH VARY BY JURISDICTION. WHEN THE IMPLIED WARRANTIES ARE NOT ALLOWED TO BE EXCLUDED IN THEIR ENTIRETY, YOU AGREE THAT THEY WILL BE LIMITED TO THE GREATEST EXTENT AND SHORTEST DURATION PERMITTED BY LAW.
Limitation on Liability
IN NO EVENT WILL THE COMPANY, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABILE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, INABILITY TO USE, THE WEBSITES, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITES OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITES OR SUCH OTHER WEBSITES, INCLUDING DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.
THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
Limitation on Time to File Claims
Modifications to the Websites
We may update the content contained on any of the Websites from time to time, even though the content may not be complete. Any material on the Websites may be outdated at any given time and we are not obligated to update such material in any particular time-frame.
The Company is based in the State of Maryland in the United States. We provide the Websites for use only by persons located in the United States. We make no claims that the Websites or any of their content are accessible or appropriate outside of the United States. Access to the Websites may not be legal by certain persons or in certain countries. If you access the Websites from outside the United States, you do so, on your own initiative and are responsible for compliance with local laws.
Governing Law and Jurisdiction
Waiver and Severability
The term “Harford Mutual Insurance Group” as used in the Websites means: Harford Mutual Insurance Group, Inc., Harford Holdings, Inc., The Harford Mutual Insurance Company, Firstline Insurance Company and 1842 Insurance Company. Harford Mutual’s principal place of business is located at 200 North Main Street, Bel Air, Maryland 21014. Each individual Insurance Company is financially responsible for its own insurance products.
Harford Mutual Insurance Group is domiciled in and organized under the laws of the State of Maryland. Harford Mutual Insurance Group is authorized to transact business in the following states: Maryland, Pennsylvania, Delaware, New Jersey, North Carolina, South Carolina, Georgia, Tennessee, and Virginia and The District of Columbia.
Comments and Concerns
The Websites are operated by Harford Mutual Insurance Group. All feedback, comments, requests for technical support and other communications relating to the Websites should be directed to Marketing@hm1842.com.
We thank you for visiting Harford Mutual Insurance Group’s Websites.