Buckeye Insurance Group may modify this Site and the rules and regulations governing its access and use at any time. Any modification will be included in these Terms, so please check back when you use the Site. By continuing use of this Site after such changes are posted, you will be deemed to have accepted such changes.

We reserve the right to withdraw or amend this Site, and any service or material we provide on the Site, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Site is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Site, or the entire Site, to users.

You are responsible for both:

• Making all arrangements necessary for you to have access to the Site.
• Ensuring that all persons who access the Site through your internet connection are aware of these Terms and comply with them.

To access the Site or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Site that all the information you provide on the Site is correct, current, and complete. You agree that all information you provide to register with this Site or otherwise, including, but not limited to, through the use of any interactive features on the Site, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

If you choose, or are provided with, a user name, password, or any other piece of information as part of our security procedures, 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 any other person with access to this Site or portions of it using your user name, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password 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 your account from a public or shared computer so that others are not able to view or record your password or other personal information.

We have the right to disable any user name, password, 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.

Products, coverages, discounts, insurance terms, definitions and other descriptions are intended for informational purposes only. They do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies and/or declaration pages from Buckeye Insurance Group, which are controlling. Such products, coverages, terms and discounts may vary by state. Exclusions may apply.

Any communications you send to Buckeye Insurance Group through the Site, by electronic mail, or offline are on a non-confidential basis, and Buckeye Insurance Group is under no obligation to refrain from reproducing, publishing, or otherwise using them in any way or for any purpose. Buckeye Insurance Group shall be free to use the content of any such communications, including any ideas, inventions, concepts, or techniques, for any purpose, including development, manufacture, market, and sale. The sender of any such communications to the Site shall be responsible for the content contained therein.

You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to use the Site:

• In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the United States or other countries).
• For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.
• To transmit, or procure the sending of, any advertising or promotional material including any "junk mail," "chain letter," "spam," or any other similar solicitation.
• To 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).
• To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Site, or which, as determined by us, may harm the Company or users of the Site or expose them to liability.

Additionally, you agree not to:

• Use the Site in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party's use of the Site, including their ability to engage in real time activities through the Site.
• Use any robot, spider, or other automatic device, process, or means to access the Site for any purpose, including monitoring or copying any of the material on the Site.
• Use any manual process to monitor or copy any of the material on the Site, or for any other purpose not expressly authorized in these Terms, without our prior written consent.
• Use any device, software, or routine that interferes with the proper working of the Site.
• Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer, or database connected to the Site.
• Attack the Site via a denial-of-service attack or a distributed denial-of-service attack.
• Otherwise attempt to interfere with the proper working of the Site.

We have the right to:

• Remove or refuse to post any user contributions for any or no reason in our sole discretion.
• Take any action with respect to any user contribution that we deem necessary or appropriate in our sole discretion, including if we believe that such user contribution violates the Terms, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the Site or the public, or could create liability for the Company.
• Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy.
• Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Site.
• Terminate or suspend your access to all or part of the Site for any or no reason, including without limitation, any violation of these Terms.

Without limiting the foregoing, we have the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Site. YOU WAIVE AND HOLD HARMLESS THE COMPANY AND ITS AFFILIATES, LICENSEES, AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY THE ANY OF THE FOREGOING PARTIES DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES.

However, we do not undertake to review all material before it is posted on the Site, and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.

All information we collect on this Site is subject to our Privacy Policy. By using the Site, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.

If the Site contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party sites linked to this Site, you do so entirely at your own risk and subject to the terms and conditions of use for such sites.

The entire contents of the Site are copyrighted by Buckeye Insurance Group and protected by the copyright laws of the United States and other countries. Users may copy, download, or print materials contained in the Site for their own non-commercial use, provided that the above copyright notice appears in all copies and that both the copyright notice and this permission notice appear in supporting documentation, and that the name of Buckeye Insurance Group, Home and Farm Insurance Company, or The Buckeye State Mutual Insurance Company is not used in advertising or publicity pertaining to distribution of this documentation without specific, written prior permission from Buckeye Insurance Group. The copying, downloading, printing, redistribution or republication of any material contained in Buckeye Insurance Group’s Site for any commercial purpose are prohibited without the express, written permission from Buckeye Insurance Group. Unauthorized use is prohibited. All images used on Buckeye Insurance Group’s Site are owned or licensed by Buckeye Insurance Group for use on Buckeye Insurance Group’s Site only. Nothing contained herein shall be construed as conferring any license or right under any Buckeye Insurance Group patent, copyright or trademark.

*The information on Buckeye Insurance Group’s Sites is provided on an “as-is” basis without any warranties, express or implied, including but not limited to implied warranties of merchantability or fitness for a particular purpose. Buckeye Insurance Group makes no representations or warranties that access to our Site will be available on a continuous or timely basis, or will be error free.

In no event shall Buckeye Insurance Group, or its affiliates, divisions, subsidiaries, or their respective officers, directors, or employees be liable for any incidental, consequential, direct, or indirect damages, even if informed in the advance of the possibility of such damages.

Buckeye Insurance Group has not reviewed the accuracy of the content of any sites linked to our Site. No endorsement of sites linked to our Site is made, either express or implied. Use of such links is at your own risk.

Buckeye Insurance Group’s Site contains information about products or services that may or may not be available outside the state or country of origin, or may be available under different trade names or trademarks. Nothing on our Site shall be construed as an offer to sell any product or service to any particular customer or in any particular jurisdiction. Buckeye Insurance Group reserves the right to accept or reject any offer to purchase any products or services. In addition, Buckeye Insurance Group standard Terms and Conditions of Sale apply to all purchases of Buckeye Insurance Group products and services.

If Buckeye Insurance Group sends to you any notice or other correspondence via electronic mail, it shall be your responsibility to ensure receipt of that communication. Buckeye Insurance Group shall not be responsible for communication not received by you for any reason, including but not limited to rejection due to size, format, or content.

You agree to indemnify, defend and hold harmless Buckeye Insurance Group, and all of its officers, directors, owners, agents, employees, affiliates, licensors, licensees and third party service providers (collectively, the "Indemnified Parties") from and against any and all losses, damages, liabilities, and claims and all fees, costs, expenses of any kind related thereto (including, without limitation, reasonable attorneys fees) incurred by the Indemnified Parties in connection with any claim arising out of, based upon or resulting from (i) your access to and/or use of any Buckeye Insurance Group Site; and/or (ii) your breach or violation of this Policy. Buckeye Insurance Group reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. You shall not in any event settle any matter without the written consent of Buckeye Insurance Group.

If any portion of this Policy is found to be unenforceable, the remaining sections of this Policy will remain in effect and the unenforceable provision shall be automatically modified to the least extent required to make it enforceable.

If any portion of this Policy is found to be unenforceable, the remaining sections of this Policy will remain in effect and the unenforceable provision shall be automatically modified to the least extent required to make it enforceable.

Failure by Buckeye Insurance Group, in any instance, to exercise any of its rights under this Policy will not constitute waiver of such right or any other rights under this Policy.