Terms of use

LAST CHANGED: January, 2014

A. TERMS APPLICABLE TO ALL USERS

1. Introduction

YOUR USE OF THIS WEB SITE IS EXPRESSLY CONDITIONED UPON YOUR ACCEPTING AND AGREEING TO THESE TERMS OF USE.

For users who are not registered with this Web Site, your use of the Web Site will be deemed to be acceptance of the Terms of Use, Section A.

For users who are registered with the Web Site, your use of the Web Site shall be subject to certain designated terms (found at Section B below) in addition to those terms applicable to all users.

IF THESE TERMS OF USE ARE NOT COMPLETELY ACCEPTABLE TO YOU, YOU MUST IMMEDIATELY TERMINATE YOUR USE OF THIS WEB SITE.

You may print a copy of these Terms of Use for your records at any time by using the "print" function on your internet browser.

These Terms of Use ("Legal Terms") describe the terms and conditions applicable to your access and use of this web site, which is owned, operated and controlled by Zurich American Insurance Company ("Zurich", "we", "us", or "our"). Zurich does business as Zurich in North America.

Zurich together with its U.S. affliates (identified below in Section 8) may, at any time, for any reason and without notice, make changes to (i) this Web Site, including its look, feel, format, and content, as well as (ii) the products and/or services as described in this Web Site. Any modifications will take effect when posted to the Web Site. Therefore, each time you access the Web Site, you need to review the Legal Terms upon which access and use of this Web Site is conditioned. By your continuing use of the Web Site after changes are posted, you will be deemed to have accepted such changes.

This web site ("Web Site") is directed to those individuals and entities located in the United States. It is not directed to any person or entity in any jurisdiction where (by reason of nationality, residence, citizenship or otherwise) the publication or availability of the Web Site and its content, including its products and services, are unavailable or otherwise contrary to local laws or regulations. If this applies to you, you are not authorized to access or use any of the information on this Web Site. Zurich makes no representation that the information, opinions, advice or other content on the Web Site (collectively, "Content") is appropriate or that its products and services are available outside of the United States. Those who choose to access this Web Site from other locations do so at their own risk and are responsible for compliance with applicable local laws.

Not all of the products and services described on this Web Site are available in all geographic areas of the United States. You may not be eligible for all of the insurance products and services described in this Web Site. Zurich reserves the right to determine all eligibility for such products and services in its sole discretion.

The Web Site may provide a general description of certain types of insurance products, coverage and services available through Zurich. These descriptions are not a part of an insurance contract or policy and do not amend, revise or alter the terms of any policy issued through or services provided by Zurich.

2. Scope of Use and User E-Mail

You are only authorized to view, use, copy for your records and download small portions of the Content (including without limitation text, graphics, software, audio and video files and photos) of this Web Site for your informational, non-commercial use, provided that you leave all the copyright notices, including copyright management information, or other proprietary notices intact. You may not store, modify, reproduce, transmit, reverse engineer or distribute a significant portion of the Content on this Web Site, or the design or layout of the Web Site or individual sections of it, in any form or media. The systematic retrieval of data from the Web Site is also prohibited.

E-mail submissions over the Internet may not be secure and are subject to the risk of interception by third parties. Please consider this fact before e-mailing any information. Also, please consult our Privacy Notice in these Legal Terms. You agree not to submit or transmit any e-mails or materials through the Web Site that (i) are defamatory, threatening, obscene or harassing, (ii) contain a virus, worm, Trojan horse or any other harmful component, (iii) incorporate copyrighted or other proprietary material of any third party without that party's permission or (iv) otherwise violate any applicable laws. Zurich shall not be subject to any obligations of confidentiality regarding any information or materials that you submit online except as specified in these Legal Terms, or as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.

The commercial use, reproduction, transmission or distribution of any information, software or other material available through the Web Site without the prior written consent of Zurich is strictly prohibited.

3. Copyrights and Trademarks; Digital Millennium Copyright Act Take-Down Procedures

The Web Site is protected by copyright as a collective work and/or compilation, pursuant to U.S. copyright laws, international conventions and other laws. Unless otherwise indicated, the Content, including, but not limited to, graphic images, buttons, layout, trademarks, service marks, logos, text, and other materials contained in this Web Site are the exclusive property of Zurich or its third party licensors; except as otherwise set forth in the following paragraphs of this Section 3. Except as expressly provided under Section 2 "Scope of Use and User E-mail" above, you may not use, reproduce, modify, transmit, distribute, or publicly display or operate this Web Site without the prior written permission of Zurich. You may not use a part of this Web Site on any other web site, without Zurich's prior written consent.

For some of our users who are registered with Zurichna.com, we provide “bulletin board-type” services, where users are able to post messages or other materials that will be accessible only to other registered users of their choice. Because we provide these services, Zurich takes special precautions to respect the intellectual property of others and we ask that our users do the same. If you believe that the Web Site displays copyrighted material that infringes on your legal rights, and you want us to take down or disable the infringing materials, please provide Zurich's copyright agent with the information listed below, which is intended to substantially conform to the requirements set forth in the Digital Millennium Copyright Act, 17 U.S.C. Section 512 (c)(3)(A).

Our Designated Agent for Notice of claims of copyright infringement on the Web Site is accessible through Email at: dnstech@zurichna.com. The following information must be submitted so that we may properly address any notice of complaint:

Identification of the copyrighted work claimed to be infringed.
Identification of the material claimed to be infringing together with "information reasonably sufficient to permit the service provider to locate the material." Specifically, a complete URL or URLs in the case of multiple works, must be provided.
Your address, telephone number, and email address.
A statement that the complaining party believes, in good faith, that the copyrighted material identified is being used in a manner that is not authorized by "the copyright owner, its agent, or the law."
A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; plus a physical or electronic signature of the complaining party.
Any notification that fails to comply with the provisions above may not, in our sole discretion, be considered sufficient notice and may not be deemed to confer upon Zurich actual knowledge of facts or circumstances from which infringing material or acts are evident.

4. Links

Zurich offers links to other web sites operated by other entities as a convenience to you in the belief that making hyperlinks available to publicly accessible web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet. Zurich makes no representation regarding the content or accuracy of any web site that you may access through this Web Site. Zurich does not monitor and is not responsible for the content found on other web sites that are linked from this Web Site. Inclusion of these links on Zurich's Web Site does not imply endorsement, recommendation or sponsorship for any linked web site or the services, products or advice described on the site. Accordingly, Zurich assumes no responsibility or liability for the content of any linked sites. Before entering any linked site, you should review and understand that site's privacy policy.

You may not link to this Web Site without Zurich's written permission. If you are interested in linking to this Web Site, please contact dnstech@zurichna.com.

5. No Warranties

THE WEB SITE, AND ANY CONTENT, ARE PROVIDED TO YOU ON AN "AS IS," "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND WHETHER EXPRESS, STATUTORY OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, SYSTEMS INTEGRATION, ACCURACY, AND NON-INFRINGEMENT, ALL OF WHICH ZURICH EXPRESSLY DISCLAIMS. ZURICH DOES NOT ENDORSE AND MAKES NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF THE CONTENT, AND ZURICH WILL NOT BE LIABLE OR OTHERWISE RESPONSIBLE FOR ANY FAILURE OR DELAY IN UPDATING THE WEB SITE OR ANY CONTENT. WE HAVE NO DUTY TO UPDATE THE CONTENT OF THE WEB SITE. ZURICH MAKES NO REPRESENTATIONS OR WARRANTIES THAT USE OF THE CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR ANY RESULTS OR OTHER CONSEQUENCES OF ACCESSING THE WEB SITE AND USING THE CONTENT, AND FOR TAKING ALL NECESSARY PRECAUTIONS TO ENSURE THAT ANY CONTENT YOU MAY ACCESS, DOWNLOAD OR OTHERWISE OBTAIN IS FREE OF VIRUSES OR ANY OTHER HARMFUL COMPONENTS. THIS WARRANTY DISCLAIMER MAY BE DIFFERENT IN CONNECTION WITH SPECIFIC PRODUCTS AND SERVICES OFFERED BY ZURICH. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMER MAY NOT APPLY TO YOU. YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.

6. Governing Law, Location and Miscellaneous

These Legal Terms shall be governed in all respects by the laws of the State of Illinois USA, without reference to its choice of law rules. If an applicable law is in conflict with any part of the Legal Terms, the Legal Terms will be deemed modified to conform to the law. The other provisions will not be affected by any such modification.

The Web Site is operated by Zurich American Insurance Company on behalf of the member companies of Zurich North America (identified below in Section 7), from its offices in Schaumburg, Illinois USA.

7. The subsidiaries of Zurich American Insurance Company

The information below is provided in compliance with state insurance statutes requiring disclosure of all states where an insurer is authorized to transact business, as well as information regarding the insurer's state of domicile, principal place of business and the National Association of Insurance Commissioners (NAIC) code number.

All of the following U.S. insurance companies within Zurich maintain their principal place of business at 1400 American Lane, Schaumburg, IL 60196.

American Guarantee and Liability Insurance Company
One Liberty Plaza, 165 Broadway, 32nd Floor
New York, New York 10006
NAIC Number: 26247
State of Incorporation: New York
Licensed in: All states including DC

American Zurich Insurance Company
1400 American Lane
Schaumburg, Illinois 60196
NAIC Number: 40142
State of Incorporation: Illinois
Licensed in: All states including DC

Assurance Company of America
One Liberty Plaza, 165 Broadway, 32nd Floor
New York, New York 10006
NAIC Number: 19305
State of Incorporation: New York
Licensed in: All states including DC

Colonial American Casualty and Surety Company
600 Red Brook Blvd., Suite 600
Owings Mills, Maryland 21117
NAIC Number: 34347
State of Incorporation: Maryland
Licensed in: All states including DC, excluding NH

Empire Fire & Marine Insurance Company
13810 FNB Parkway
Omaha, NE 68154-5202
NAIC Number: 21326
State of Incorporation: Nebraska
Licensed in: All states including DC, excluding OK

Empire Indemnity Insurance Company
Broadway Executive Park 9
200 NW 66th Street
Suite 965
Oklahoma City, OK 73116
NAIC Number: 21334
State of Incorporation: Oklahoma
Licensed in: OK

The Fidelity and Deposit Company of Maryland
600 Red Brook Blvd., Suite 600
Owings Mills, Maryland 21117
NAIC Number: 39306
State of Incorporation: Maryland
Licensed in: All states including DC, PR, Guam, U.S. Virgin Islands, CNMI

Maryland Casualty Company
600 Red Brook Blvd., Suite 600
Owings Mills, Maryland 21117
NAIC Number: 19356
State of Incorporation: Maryland
Licensed in: All states including DC, PR, U.S. Virgin Islands

Northern Insurance Company of New York
One Liberty Plaza, 165 Broadway, 32nd Floor
New York, New York 10006
NAIC Number: 19372
State of Incorporation: New York
Licensed in: All states including DC

Steadfast Insurance Company
32 Loockerman Square, Suite 202
Dover, Delaware 19904
NAIC Number: 26387
State of Incorporation: Delaware
Licensed in: DE

Universal Underwriters Insurance Company
1400 American Lane
Schaumburg, IL 60196
NAIC Number: 41181
State of Incorporation: Illinois
Licensed in: All states including DC

Universal Underwriters of Texas Insurance Company
1400 American Lane
Schaumburg, Il 60196
NAIC Number: 40843
State of Incorporation: Illinois
Licensed in: All states including DC, excluding AL, CA, FL, GA, LA, MS, NC, OH, WY

Zurich American Insurance Company
One Liberty Plaza, 165 Broadway, 32nd Floor
New York, New York 10006
NAIC Number: 16535
State of Incorporation: New York
Licensed in: All states including DC, PR, U.S. Virgin Islands and Guam, CNMI

Zurich American Insurance Company of Illinois
1400 American Lane
Schaumburg, Illinois 60196
NAIC Number: 27855
State of Incorporation: Illinois
Licensed in: All states including DC, excluding DE

8. The U.S. affiliates of Zurich American Insurance Company

Zurich American Life Insurance Company
7045 College Boulevard
Overland Park, KS 66211-1523
NAIC Number: 90557
State of Incorporation: Illinois
Licensed in: All states including DC, excluding NY

Zurich American Life Insurance Company’s registered home address is 1400 American Lane, Schaumburg, IL 60196.

Zurich American Life Insurance Company of New York
One Liberty Plaza, 165 Broadway, 21st Floor
New York, New York 10006
NAIC Number: 14178
State of Incorporation: New York
Licensed in: New York

Zurich American Life Insurance Company of New York’s registered home address and principal place of business is One Liberty Plaza, 165 Broadway, New York, New York 10006, and its administrative office is at 7045 College Boulevard, Overland Park, KS 66211-1523.

9. Termination

Zurich may terminate the right of any user to access the Web Site at any time, with or without cause, in Zurich's absolute discretion and without notice. Any statement in the Legal Terms or elsewhere on the Web Site of specific grounds for termination of a user's right to access the Web Site shall in no manner limit Zurich's absolute right to terminate any user's access to the Web Site.

10. Separate Agreements

You may have other agreements with Zurich. Those agreements are separate and in addition to these Legal Terms. These Legal Terms do not modify, revise or amend the terms of any other agreements you may have with Zurich, or with any other company within the Zurich Financial Services Group.

11. Privacy Notice

Last updated: December 20, 2013

Zurich American Insurance Company, its subsidiaries and U.S. affiliates (“Zurich NA”, “we” or “us”) respect your concerns about privacy.
This Privacy Notice applies to personal information we collect on ZurichNA.com, the related careers page at http://careers.peopleclick.com/careerscp/client_zurich/external/search.do, the other websites that link to this Privacy Notice (together, the “Site”), or through other means in the course of our business relationship with you.

This Privacy Notice describes the types of personal information we collect, how we may use that information and with whom we may share it. The Privacy Notice also describes the measures we take to protect the security of the personal information. We also tell you how you can reach us to ask us to answer any questions you may have about our privacy practices. Depending on your relationship with us, you may receive other privacy notices from us providing additional detail about our privacy practices.

By using the Site, or any of our websites or webpages, you signify your consent to this Privacy Notice.

Information You Provide Directly to Us

Depending on your relationship with us, personal information collected may include:

Contact information, such as your name, postal address, email address, telephone number, and fax number
Social Security number, Federal Employer Identification number, and driver’s license number
Other numbers and codes, such as an account number, policy number, producer code, client ID, DUNS Number and proprietary information such as a vehicle identification number
Date of birth, gender, marital status, names of dependents
Employment information, such as occupation, hire date, employee ID number, employment status, position, hours worked and income information, such as weekly wages
Claims information, including information about injuries and treatment, names of witnesses and whether a violation was issued
Risk information, such as whether an applicant has been convicted of certain crimes
Questions, communications and other content you submit
Information provided in conjunction with fraud reports, including the names of the persons involved
ZurichNA.com login or access credentials, including username, password, access code and your answer to a security question, such as your mother’s maiden name
Electronic signatures
Job application information, including employment information and background checks
Payment card information

Information We Collect by Automated Means

When you visit our Site, we may collect certain information by automated means, using technologies such as cookies, Web server logs and Web beacons.

Cookies are files that websites send to your computer or other Internet-connected device to uniquely identify your browser or to store information or settings in your browser. Your browser may tell you how to be notified when you receive certain types of cookies and how to restrict or disable certain cookies. Please note, however, that without cookies you may not be able to use all of the features of our Site.

In conjunction with the gathering of information through cookies, our Web servers may log information such as your operating system type, browser type, domain, and other system settings, as well as the language your system uses and the country and time zone where your device is located. The Web server logs also may record information such as the address of the Web page that referred you to our Site and the IP address of the device you use to connect to the Internet. They may also log information about your interaction with this Site, such as which pages you visit.

To control which Web servers collect information by automated means, we may place tags on our Web pages called “Web beacons or "pixel tags", which are small files that link Web pages to particular Web servers and their cookies.

We may use third-party web analytics services on our Site, such as those of Google Analytics and Webtrends. These service providers use cookies and web beacons to help us analyze how users use the Site. The information collected by the cookies and Web beacons (including your IP address) will be disclosed to these service providers, who use the information to evaluate your use of the Site. To learn about opting out of Google Analytics, you may visit http://tools.google.com/dlpage/gaoptout.

We do not currently support Do Not Track signals but may in the future.

How We Use the Information We Collect

We may use the information we obtain about you for various purposes, including to:

Provide, administer and communicate with you about products, services, events and promotions (including by sending you newsletters and other marketing communications)
Provide and administer business tools
Process, evaluate and respond to requests, inquiries, claims and applications
Customize your experience with our Site, such as by providing personalized information
Verify your identity
Administer surveys and questionnaires
Operate, evaluate and improve our business (including developing new products and services; managing our communications; performing market research and data analytics; determining and managing the effectiveness of our advertising and marketing; analyzing our products, services and websites; administering our websites; and performing accounting, auditing, billing, reconciliation and collection activities)
Protect against and prevent fraud, unauthorized transactions, claims and other liabilities, and manage risk exposure and quality
Evaluate your interest in employment and contact you regarding possible employment
Conduct a background check as part of the hiring process
Comply with and enforce applicable legal requirements, industry standards and our policies and terms, such as our Terms of Use
Process a payment.

We also may use the information in other ways for which we provide specific notice at the time of collection.

Sharing of Information

We may share personal information we collect with our service providers who perform services on our behalf. These service providers are not authorized by us to use or disclose the information except as necessary to perform services on our behalf or comply with legal requirements. We also may share your information among our affiliates to send you information about products and services. We may share personal information we collect on the Site at your request. For example, if you use our Site to send information to a third party, we may identify you as the sender.

We also may disclose information about you (i) if we are required to do so by law or legal process, (ii) to law enforcement authorities, or (iii) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity. We reserve the right to transfer personal information we have about you in the event we sell or transfer all or a portion of our business or assets. Should such a sale or transfer occur, we will use reasonable efforts to direct the transferee to use personal information you have provided to us in a manner that is consistent with our Privacy Notice.

Your Choices

We offer you certain choices about what personal information we collect from you, how we use that information, and how we communicate with you. Some areas of the Site provide features that allow you to access and update personal information you have provided there. Some areas contain features that permit you to register your communications preferences, such as by indicating your preference to receive information about particular types of products. You may visit the area of the Site where you provided personal information to learn if it provides these features. If it does not, you can contact us as described in the How to Contact Us section to update your preferences, ask us to remove your information from our mailing lists or submit a request.

How We Protect Personal Information

We maintain reasonable administrative, technical and physical safeguards designed to protect the personal information you provide against accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use.

Protection of Social Security Numbers

We strive to protect the confidentiality of Social Security numbers we collect by employing reasonable safeguards seeking to (i) prohibit unlawful disclosure of Social Security numbers and (ii) limit access to Social Security numbers.

Links to Other Web Sites

The Site may provide links to other sites for your convenience and information. These websites may be operated by companies other than Zurich NA. Linked websites may have their own privacy policies, which we strongly suggest you review if you visit any linked websites. We are not responsible for the content of any websites that are not operated by us, any use of those websites, or the privacy practices of those websites.

Blogs and Other Interactive Services

We may offer blogs, online forums or other interactive services on the Site that enable visitors to post and share information and materials. Please note that any information you post or share through these services will become public information, and may be available to visitors who access the Site and to the general public.

Updates to Our Privacy Notice

This Privacy Notice may be updated periodically and without prior notice to you to reflect changes in our personal information practices or relevant laws. We will post a prominent notice on the site to notify you of any significant changes to our Privacy Notice and indicate at the top of the notice when it was updated.

How to Contact Us

If you have any questions or comments about this Privacy Notice, or if you would like us to update information we have about you or your preferences, please contact us as indicated below. If you are contacting us by email to request that we change or delete personal information that you submitted through our Site, please be sure to tell us which page or form on the Site you used to submit your information:

Zurich American Insurance Company
Attention: Privacy Office
1400 American Lane, T1-16
Schaumburg, IL 60196
Privacy.office@zurichna.com
Fax: 1-866-276-6913

B. ADDITIONAL TERMS APPLICABLE ONLY TO REGISTERED USERS

12. U.S. Resident

You represent that you are a United States resident.

13. No Professional Advice

The information available on the Web Site is intended to be a general information resource regarding the matters covered, and is not tailored to your specific circumstance. It is not offered as legal, accounting or other professional advice. This Web Site is not intended for use by minors. YOU SHOULD EVALUATE ALL INFORMATION, OPINIONS AND ADVICE AVAILABLE ON THIS WEB SITE IN CONSULTATION WITH YOUR INSURANCE SPECIALIST, OR WITH YOUR LEGAL, TAX, FINANCIAL OR OTHER ADVISOR, AS APPROPRIATE.

14. Registration and Security

You are responsible for maintaining the confidentiality of your user name and password. You may not share your password with or transfer your password to any third party. You are responsible for all uses of your user name and password, and any and all related charges, whether or not authorized by you. You agree to immediately notify Zurich of any unauthorized use of your password or user name or any other breach of security. Until Zurich is properly notified of a breach of security by either e-mail notice at dnstech@zurichna.com or written notice by U.S. mail addressed to Zurich American Insurance Company, 1400 American Lane, Schaumburg, Illinois, 60196, Attn: Corporate Law Department, you will remain responsible for any unauthorized use of the Web Site occurring under your user name and password. You will not violate, or assist in violating, the security of the Web Site, whether intentionally, negligently or otherwise. You will not attempt to utilize another user's account, user name, password, or persona without authorization from that user.

For purposes of identification, billing and marketing, you agree to provide Zurich with accurate, complete, and updated information required by registration to our service ("Registration Data"), including your legal name, address, telephone number(s), e-mail and, where required, applicable payment data (e.g., credit card number and expiration date). Zurich reserves the right to verify the accuracy of all Registration Data. You agree to promptly notify us of any change in your Registration Data. Failure to comply with this provision may result in immediate suspension or termination of your right to use the Web Site.

15. Arbitration

Except as regarding any action seeking equitable relief, including without limitation for the purpose of protecting any Zurich confidential information and/or intellectual property rights, any controversy or claim arising out of or relating to these Legal Terms or this Web Site shall be settled by binding arbitration in accordance with the commercial arbitration rules, in effect at the time the proceedings begin, of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be held in Chicago, Illinois USA.

All information relating to or disclosed by any party in connection with the arbitration of any disputes hereunder shall be treated by the parties, their representatives, and the arbitrator as proprietary business information. Such information shall not be disclosed by any party or their respective representatives without the prior written authorization of the party furnishing such information. Such information shall not be disclosed by the arbitrator without the prior written authorization of all parties. Each party shall bear the burden of its own counsel fees incurred in connection with any arbitration proceedings.

Judgment upon the award returned by the arbitrator may be entered in any court having jurisdiction over the parties or their assets or application of enforcement, as the case may be. Any award by the arbitrator shall be the sole and exclusive remedy of the parties. The parties hereby waive all rights to judicial review of the arbitrator's decision and any award contained therein.

16. Limitation of Liability

YOUR USE OF THE CONTENT IS AT YOUR OWN RISK. ZURICH SPECIFICALLY DISCLAIMS ANY LIABILITY, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO, USE OF OR RELIANCE ON THE CONTENT (EVEN IF ZURICH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) OR THAT ARISE IN CONNECTION WITH MISTAKES OR OMISSIONS IN, OR DELAYS IN TRANSMISSION OF, INFORMATION TO OR FROM THE USER, ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION OR DELIVERY, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORDS, PROGRAMS OR FILES, INTERRUPTIONS IN TELECOMMUNICATIONS CONNECTIONS TO THE WEB SITE OR VIRUSES, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF, OR UNAUTHORIZED ACCESS TO THE WEB SITE OR THE CONTENT. THIS LIMITATION OF LIABILITY MAY BE DIFFERENT IN CONNECTION WITH SPECIFIC PRODUCTS AND SERVICES OFFERED BY ZURICH. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY, SO THIS LIMITATION MAY NOT APPLY TO YOU.

Last update of this page: January, 2013