* The principal place of business for American Bankers Insurance Company of Florida is 11222 Quail Roost Drive, Miami, FL 33157; Domicile (FL); NAIC # 10111; authorized to write in Washington, D.C. and all states in the United States.
** The principal place of business for Caribbean American Property Insurance Company and Assurant Services of Puerto Rico Inc. is Plaza Scotiabank, Suite 1300 Ave. 273 Ponce De León San Juan, PR 00917-1838.
All of the content in the Site is made available only for Your personal, lawful, non-commercial use in connection with seeking insurance, extended service contracts and/or other products and services offered by Us. Use of the Site by a competitor company or other non-consumer third party is prohibited.
Except as expressly mandated by law, You may not, without Our prior written permission: (i) link from another website to the Site; (ii) post, transmit, copy, modify, create derivative works from, distribute, sell, or republish anything You obtain or download from the Site; (iii) engage in systematic retrieval of data or other content from the Site; (iv) assign or transfer any rights granted by these Terms of Service; or (v) access, or attempt to access, the Site through any automated means (including use of scripts, crawlers, or similar technologies).
Our Products and Services
The information and material provided on the Site is intended for general reference only, and may not describe all of the terms, conditions, and exceptions applicable to the products and services offered by Us on this Site. All coverages are subject to the terms and conditions of the insurance policies, extended service contracts and/or other products and services offered by Us. Coverages and the terms and conditions of the insurance policies, extended service contracts and/or other products and services offered by Us may vary by state or country and Your individual circumstances, and additional minimum coverage limits may be required in Your state or country. The products and services offered on the Site are only available in the jurisdictions in which We are properly licensed.
Your request to purchase a product or service represents an offer by You and will be subject to the terms and conditions of that product or service that We may accept or reject. After You make a request through the Site to purchase the product or service, then assuming such product or service is available to You and Your offer is accepted, You will receive confirmation of Your purchase.
You must ensure that the details You give to Us while using this Site are correct and that there are sufficient funds to cover the cost of the product or service. In the case of requesting an automatic renewal, the credit or debit card You are using must be Yours, or You affirm through the completion of any transaction that You have the authority by the accountholder to use the credit or debit card.
Rating and Review Policy
You agree not to communicate any material that may be considered, in Our sole discretion, sexually explicit, pornographic, indecent, unlawful, harassing, vulgar, libelous, defamatory, offensive, abusive, obscene, threatening, false, SPAM, Malware or otherwise objectionable material. You must not communicate any material that violates Our intellectual property rights, or the intellectual property rights of any other party. You may not also communicate information that relates to self-promotional materials, political content or commercial solicitations.
We are not responsible for any content submitted by You. You acknowledge and agree that We may monitor content submitted by You; delete, or refuse to post any content submitted by You without notice; and use or disclose all content provided by You in any way without prior notice or prior approval from You. You also agree that We have no obligation to seek a license or compensate You for use of any content submitted by You.
Some products or services may be made available on the Site by third-parties not affiliated with Us. You agree that if You use or install any product or service provided by a third party, You will seek redress from that third party if its product or service causes any loss or damage to You. We are not responsible for any product or service that is used or downloaded from a source other than Us. You further agree that any downloading, accessing, or using of third-party products or services is performed at Your own risk.
Availability of Site
Copyrights and Trademarks
Assurant, Inc. markets products and services through the following trademarks: Assurant Solutions, Assurant Specialty Property, Assurant Health and Assurant Employee Benefits. Each trademark is owned in the United States by Assurant, Inc.
Except as otherwise indicated, all materials on the Site, including without limitation the logos, names, copyrights and trademarks on the Site are proprietary marks of Assurant, Inc. or the images are used by Us with permission of the copyright owner. Note that We may not own a copyright to material displayed on a third-party site that Our Site links to. You must always seek permission from a site owner before copying any materials from them.
Unless otherwise agreed in writing, nothing on the Site shall be deemed to confer on any person any license or right to use any such image, logo, name, trademark or any other intellectual property and any such will constitute an infringement of the rights of the holder.
Privacy and Passwords
Some portions of the Site may be protected and require a user identification code ("User ID") and password for access. Unauthorized access or use of such portions of the Site is prohibited. To obtain access to certain online services, You are given the opportunity to register with Us. You are responsible for maintaining the confidentiality of Your details and Your password and for restricting access to Your computer to prevent unauthorized access to Your account. You accept responsibility for activities that occur under Your account and You should take all steps to ensure Your password is kept confidential. You agree to inform Us immediately if You have reason to believe Your password is being used in an unauthorized manner. For Your protection, if We believe that any unauthorized access may occur or has occurred, We may terminate such access without prior notice to You. You also agree that We are permitted to act upon any instructions received using Your User ID and password and to consider such instructions as authorized by You.
You must not use the Site in any way that causes or is likely to cause access to be interrupted, or impaired in any way and You acknowledge and agree that You are responsible for electronic communications sent from Your computer.
Credit/Debit Card Transactions
We may retain the credit/debit card details You provide to Us after payment has been made if You provide Us with consent, if required by Our payment processor or otherwise required by law. We do not maintain any security code that You may have given to Us in order to complete the initial purchase. This assists in reducing credit/debit card fraud. Except in exceptional circumstances, any refund We provide to You for any product or service You have purchased by credit/debit card is made back to the credit/debit card account used to make the initial purchase.
While We use all reasonable efforts to ensure that the information contained on the Site is current, accurate and complete at the date of publication, and We do Our best to correct errors and omissions as soon as We can, all information, products, services, content and other material on the Site, accessible from the Site, or on a Third-party site are provided "as is" and without warranties or representations of any kind, either express or implied. This means that We expressly disclaim all warranties, express or implied, including without limitation the warranties of title and non-infringement and the implied warranties of merchantability and fitness for a particular purpose. To the maximum extent permitted by law, We accept no liability for any direct or indirect loss or damage, foreseeable or otherwise, including any indirect, consequential, special or exemplary damages arising from the use of the Site or any information contained therein. Users should be aware that they use the Site and its content at their own risk. If You are in a state or country that does not allow a disclaimer of implied warranties, the above disclaimer or a portion of it may not apply to You.
Content and information provided by third parties are published on the Site as supplied to Us and We are not responsible for its accuracy or timeliness. You must take appropriate steps to verify this information before acting upon it.
Limitation of Liability
Access to and use of this Site is at the user's own risk. We shall not be liable for any loss, damage, injury, or claim, nor any special, indirect, incidental, consequential, exemplary or punitive damages of any kind, whether such action is based in tort, contract, negligence, strict liability, or other law, even if We have been advised of the possibility of such damages. We shall not be liable for any Third-party site, materials on any Third-party site or the inability to use any Third-party site; and defect, omission, error, interruption, delay, or computer virus; or the unauthorized alteration of or access to Your transmissions or personal data.
If You are in a state or country that does not allow the limitation of liability for certain damages, the above limitation of liability or a portion of it may not apply to You. However, You agree in any event that Our total liability for all damages, losses, injuries, or claims of any kind or nature shall be limited to the amount You have paid to access the Site.
Monitoring of Telephone Calls and Emails
Telephone calls and email correspondence with Us as a result of Your access to the Site may be recorded for training, administrative and security purposes, and as otherwise permitted by law. By using such communication methods You are consenting to such activities taking place.
Emails and Data Protection
Please note that there is no guarantee that any e-mail sent to this site will be received by Us or that the message will remain confidential while being transmitted. Your email address and the content of Your email may be shared with, or disclosed, to third parties, who are necessary to address the content of Your email, and as otherwise permitted by law. We may retain the content of the form or email, the email address and Our response. This enables Us to retain an audit trail of Our contact and provide You with the product, service or information You may have requested.
Children's Online Privacy
We do not knowingly collect personal information from anyone under the age of 13. If You are under the age of 13, You must not use the Site.
Jurisdiction and Enforceability