Terms of Use

Internet Terms and Conditions of Use
The Harford Mutual Insurance Group

Last Revised: September 29, 2023

Welcome to the Website of Harford Mutual Insurance Group and/or its affiliates (collectively referred to as “Harford Mutual”, “Company”, “we” or “us”). The following terms and conditions, together with any documents they expressly incorporate by reference (collectively referred to as “Terms of Use”), govern your access to and use of this website and any other website owned by Harford Mutual Insurance Group, including any content, functionality, and services offered on or through this website, located at https://www.harfordmutual.com/ (collectively the “Website” or “Websites”), whether as a guest or as a registered user.

These Terms of Use include an arbitration clause. Please read the Terms of Use carefully before you start to use the Websites.

These Terms of Use do not apply to Company’s Agency Portal, available at https://harfordmutual.biz/. For more information on terms for the Agency Portal, please see our Agency Portal Terms of Use.

Acceptance of the Terms of Use

Please read these Terms of Use carefully before you use any of the Company’s Websites. By accessing, browsing, submitting information to and/or using the Websites, you accept and agree to be bound and abide by these Terms of Use and Company’s Internet Privacy Policy or Customer Privacy [1] NNotice, incorporated herein by reference. If you do not agree to these Terms of Use or our Internet Privacy Policy or Customer Privacy Notice, you should not access or use the Websites.

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
Make certain that all persons who access our Websites through your Internet browser are aware of these Terms of Use.

We do not warrant the accuracy, completeness, or usefulness of any information on the Websites at any particular time. Any reliance you place on such information is strictly at your own risk. The Company disclaims all liability and responsibility arising from any reliance placed on such content by you or any other visitor to our Websites, or by anyone who may be informed of any of their contents. To access any Company Website, you may be asked to provide certain registration details or other information. It is a condition of your use of any of the Websites that all the information you provide is correct, current and complete. You agree that all information you provide to register with any Website or otherwise, including but not limited to through the use of any interactive features on the Website, is governed by our Internet Privacy Policy or Customer Privacy Notice, and you consent to all actions we take with respect to your information consistent with this policy.

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.

Harford Mutual maintains the exclusive right to disable any user name, password, PIN or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.

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.

These Terms of Use grant you a non-exclusive right to access and use the Websites and the data, material, content or information herein for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our Websites, except as identified below:

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

You may print or download one copy of a reasonable number of pages of the Websites for your own personal, non-commercial use and not for further reproduction, publication or distribution. If you print, copy, modify, download or otherwise use or provide any other person with access to any part of any Website in breach of the Terms of Use, your right to use any Company Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, to title or interest in, or to the Website or any content on the Websites is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Websites not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark and other laws.

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.

Your Content. Any content you create or own or to which you have a license and use on the Websites is “Your Content.” In sharing Your Content on the Websites, you warrant and represent you have the legal right to use Your Content and grant the Company an irrevocable, royalty-free, fully paid up, worldwide, non-exclusive license to use Your Content in providing any Website services as described in these Terms of Use and in any posted policies on the Websites. The Website services may also provide you with features like photo thumbnails, previews, easy sorting, editing, sharing, creating templates, and searching. These and other features may require our Company systems to access, store, and scan Your Content. You may also be able to share Your Content with others, so please think carefully about what you share.

Trademarks

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 marketing@hm1842.com.

Prohibited Uses

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

You may have the opportunity to receive SMS or “text” messages, pre-recorded voice messages or auto-dialed phone calls from the Company, its affiliates and related entities as well as third parties. Such messaging may be used to authenticate your identity or mobile device, as well as provide you informational updates about services or products you may have requested. In providing your mobile device number or cell phone number to the Company, you knowingly consent to such communications from the Company or for the Company to use your cell phone number or mobile device number in accordance with the Company’s Privacy Policy. In providing your number and accepting these Terms, you represent that you have the authority to agree to receive text messages at the telephone number that you provide to the Company, or from which you sent the text message request to us. You further acknowledge that no purchase is required to opt into this service, and you may opt out at any time by following the instructions provided in our communications with you.

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

Any cause of action or claim you may have arising out of or relating to these Terms of Use or the Websites must be commenced within one (1) year after the cause of action accrues, otherwise, such cause of action or claim is permanently barred.

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.

Geographic Considerations

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.

Termination and Restriction of Access

In its sole discretion, the Company may terminate or suspend your access to the Websites for breach of these Terms. The Company shall not be liable for any losses or damages arising from any such termination of service.

Indemnification

You agree to defend, indemnify and hold harmless the Company, 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 Websites including, but not limited to, Your Content, any use of the Website’s content, services and products other than as expressly authorized in these Terms of Use or your use of any information obtained from the Websites.

Arbitration.

At its sole discretion, and subject to applicable law, the Company may require you to submit any disputes arising from use of the Websites, or breach of these Terms of Use, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying Maryland law. By using the Websites, you hereby consent to submission of any dispute to be final and binding arbitration.

Governing Law and Jurisdiction

All matters relating to the Websites and these Terms of Use and any dispute or claim arising therefrom or related thereto (including non-contractual disputes or claims), shall be governed by and construed in accordance with the laws of the State of Maryland without giving effect to any choice or conflict of law provision or rule.

Unless Company, at its sole discretion, requires binding arbitration, any legal suit, action or proceeding arising out of, related to, these Terms of Use or the Websites shall be instituted exclusively in the federal courts of the United States located in the State of Maryland or the courts of the State of Maryland. The Company retains the exclusive 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.

Waiver and Severability

No waiver by the Company of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Use shall not constitute a waiver of any such right or provisions.

Entire Agreement

These Terms of Use, our Customer Privacy Notice (if applicable) and our Internet Privacy Policy constitute the sole and entire agreement between you and Harford Mutual with respect to the Websites and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Websites.

Changes to these Terms of Use

We may update or change these Terms of Use from time to time in order to reflect changes in any offered services, changes in the law, or for other reasons as deemed necessary by the Company. The effective date of any Terms of Use will be reflected in the “Last Revised” entry at the top of these Terms of Use. Your continued use of the Websites after any such change is communicated shall constitute your consent to such change(s).

General

You agree that no joint venture, partnership, employment, or agency relationship exists between you and the Company as a result of these Terms of Use or the use of the Websites. You may not assign these Terms of Use without the prior written consent of the Company in all instances. The Company may assign these Terms of Use, in whole or in part, at any time. The Company’s performance of these Terms of Use is subject to existing laws and legal process, and nothing contained in these Terms of Use is in derogation of the Company’s right to comply with governmental, court, and law enforcement requests or requirements relating to your use of the Websites or information provided to or gathered by the Company with respect to such use.

If any part of these Terms of Use are determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision, and the remainder of these Terms of Use shall continue in effect.

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.