Terms of Use

Terms of Use For The Andover Companies Web Site

These Terms of Use set forth the terms and conditions that apply to your use of this web site, www.andovercompanies.com (the "Andover Companies Site"). The Andover Companies Site is owned and maintained by The Andover Companies, a group of three jointly managed companies: Merrimack Mutual Fire Insurance Company, Cambridge Mutual Fire Insurance Company, and Bay State Insurance Company.

Use of The Andover Companies Site

By accessing and using the Andover Companies Site, you agree to be bound by these Terms of Use. If at any time you do not wish to be bound by these Terms of Use, you should discontinue accessing or using the Andover Companies Site immediately.

The Andover Companies reserve the right to change these Terms of Use at any time and without prior notice to you. Any changes to the Terms of Use will be posted on The Andover Companies Site, and your continued use of the Andover Companies Site following any such changes will be deemed to constitute your agreement to the revised Terms of Use including those changes.

Availability of Products and Services

The Andover Companies conduct business and serve customers in the states of Massachusetts, New Hampshire, New York, New Jersey, Maine, Illinois, Rhode Island, and Connecticut. Products and services described on The Andover Companies Site may not be available in all areas, and products and services will not be offered, solicited, or sold in any jurisdiction where doing so would be unlawful.

Policies of Insurance

Information provided on The Andover Companies Site is for informational purposes only, and does not constitute an offer, undertaking, contract or agreement to extend insurance coverage. Information provided on The Andover Companies Site does not in any way alter, modify, supplement, or supersede the terms of any policy of insurance that may be issued by any of The Andover Companies. In the event of any conflict between information provided on The Andover Companies Site and the terms of an insurance policy issued by The Andover Companies, the terms, conditions and limitations of the insurance policy will govern.

Prohibited Uses

Use of The Andover Companies Site for any illegal, fraudulent, or unauthorized purpose is strictly prohibited. You may not use The Andover Companies Site in a manner that interferes with or disrupts its operation, or the operations of The Andover Companies, or in any manner that is harassing, threatening, defamatory, or that infringes on the intellectual property rights of The Andover Companies or third parties.

Privacy

The Andover Companies are committed to protecting the privacy of our customers and applicants and the confidentiality of their personal information. A copy of The Andover Companies' Notice of Privacy Policy, which describes our general practices regarding information about applicants who seek, and customers who obtain, insurance products and services from us for personal, family, or household use, is available on The Andover Companies' Site.

We do not collect information about visitors to The Andover Companies Site, other than information that visitors may choose to provide via e-mail, or information that authorized users may submit through the use of secured areas, as described below.

E-Mail Communications

If you send an e-mail message to an address listed on The Andover Companies Site, we may use your e-mail address to enable us to respond to the communication and may retain the e-mail address and contents of the communication. We will not sell such e-mail addresses or disclose them to other companies for their marketing activities. If your message contains personal information that is subject to our Notice of Privacy Policy, we will handle the information in accordance with that Policy.

It is important to be aware that we cannot control the security of e-mail messages sent to us through third-party e-mail servers, and messages traveling over the internet may be subject to viewing, alteration, or copying by others. We therefore encourage you to use care in deciding whether to send information to us via e-mail.

Secured Areas of the Site

Certain portions of The Andover Companies Site are password-protected and require authorization in order to be used or accessed. Additional terms and conditions apply to the use of those areas. Any unauthorized access to or use of those areas, or unauthorized attempt to access or use those areas, is prohibited.

Links to Third-Party Sites

The Andover Companies Site provides hyperlinks to other websites that are not owned, maintained, or controlled by The Andover Companies. These may include, though are not necessarily limited to, informational links, links to e-mail or web addresses of independent agents or producers, and/or links to websites of other companies. The Andover Companies are not responsible for the content or functioning of those sites, or the privacy or security of those sites, and The Andover Companies do not endorse, adopt, or have control over information that may be provided on or through those sites. If you visit or use those third-party sites, you should check the privacy policies of the sites to confirm whether and how the sites may collect or use personal information. The Andover Companies are not responsible for, and disclaim any liability for, any products or services you may purchase from third parties, or any communications you may receive from third parties as a result of your visiting their sites.

The Andover Companies Site may also include links to electronic payment-processing services, for use by Andover Companies customers who qualify for electronic bill-payment options. Such services are hosted by third parties, and electronic bill payments made using the services are processed by third parties. Use of the electronic bill-payment services, and the handling and use of information provided for the electronic bill-payment process, are governed by separate terms and conditions. Customers wishing to use such electronic bill-payment services should first become familiar with those terms and conditions, which are available on the bill-payment sites.

Intellectual Property

The Andover Companies name and logo, the names of the individual companies that make up The Andover Companies, and the other contents of The Andover Companies Site, including but not limited to graphics, logos and text, are the property of The Andover Companies and are protected by copyright, trademark and/or other intellectual property laws. Such information may not be used without the express prior written consent of The Andover Companies.

Any third-party content, company names, or logos that are available on or through The Andover Companies Site are the property of their respective owners.

Applicable Law

These Terms of Use will be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard for its choice-of-law principles. Any lawsuit or legal claim arising out of or relating to your use of The Andover Companies Site or these Terms of Use shall be brought in a court of competent jurisdiction within the Commonwealth of Massachusetts, and you hereby consent to the personal jurisdiction of such courts in connection with any such action.

Disclaimers

The Andover Companies Site is provided on an "as is" and "as available" basis. The information and descriptions provided on The Andover Companies Site are not meant to be a complete listing of every term, condition, or exclusion contained in insurance policies issued by The Andover Companies, nor are they meant to be representations or warranties regarding the availability of any particular insurance product to a given consumer or applicant, or the suitability of any particular insurance product to a given consumer's or applicant's needs. In addition, information provided on The Andover Companies Site is subject to change, and The Andover Companies do not guarantee the accuracy, completeness, or timeliness of information available on The Andover Companies Site.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE ANDOVER COMPANIES DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, WARRANTIES FOR SERVICES OR PRODUCTS DESCRIBED ON OR PROVIDED THROUGH THE ANDOVER COMPANIES SITE, OR WARRANTIES OF NON-INFRINGEMENT.

You agree that your use of The Andover Companies Site is at your sole risk. The Andover Companies do not warrant that The Andover Companies Site is free from viruses, so-called trojan horses, or other harmful conditions or components, or that the operation, availability, or content of The Andover Companies Site will be uninterrupted or free from error. Similarly, The Andover Companies do not and cannot guarantee that any information entered or submitted by you to or through The Andover Companies Site will be free from risk of interception, misappropriation, and/or destruction by third parties.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, THE ANDOVER COMPANIES SHALL NOT BE LIABLE FOR DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, CONSEQUENTIAL, SPECIAL, OR INCIDENTAL DAMAGES, INCLUDING, WITHOUT LIMITATION, EMOTIONAL DISTRESS, LOST PROFITS, BUSINESS INTERRUPTION, LOST DATA, OR PUNITIVE OR EXEMPLARY DAMAGES, RESULTING OR ARISING OUT OF THE USE OF OR INABILITY TO USE THE ANDOVER COMPANIES SITE, THE INFORMATION, LINKS, OR OTHER MATERIAL PROVIDED ON OR THROUGH THE ANDOVER COMPANIES SITE, OR YOUR SENDING OR SUBMISSION OF ANY DATA OR INFORMATION TO OR THROUGH THE ANDOVER COMPANIES SITE.

Severability

If any provision of these Terms of Use is held to be unlawful, invalid, void, or for any reason unenforceable, then that provision shall be severed from the remaining Terms of Use, which shall remain valid and enforceable.

Children's Online Privacy

This web site is intended for our customers, applicants, independent agents, and adult members of the public who are seeking information about our products and services, and is not intended for use by children. We do not market products or services to children, and we do not wish to receive, or knowingly collect, any information from children.

Contact Information

If you have questions concerning these Terms of Use of The Andover Companies Site, please contact The Andover Companies at webinfo@andovercos.com.