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znaexternal - Sign In -- Don't have an account? Sign up Zurich Insurance North America Terms of Agreement Last updated: February 2019 1. Introduction These Terms of Use ("Legal Terms") describe the terms and conditions applicable to your access of ZurichNA.com and other online and mobile services and applications that link to or post these Terms of Use, and to your use of any Zurich NA products, software, and services provided to you on, from, or through the ZurichNA.com websites (collectively, the “Online Services”). The Online Services are owned, operated and controlled by Zurich American Insurance Company ("Zurich NA", "we", "us", or "our"), a member company of Zurich in North America. By visiting or using the Online Services, you signify your agreement to (1) these Terms of Use, and (2) Zurich NA’s Privacy Policy, found at https://www.zurichna.com/en/services/privacy-policy and incorporated herein by reference. YOUR USE OF THE ONLINE SERVICES IS EXPRESSLY CONDITIONED UPON YOUR ACCEPTING AND AGREEING TO THESE TERMS OF USE. IF THESE TERMS OF USE ARE NOT COMPLETELY ACCEPTABLE TO YOU, YOU MUST IMMEDIATELY TERMINATE YOUR USE OF THE ONLINE SERVICES. Zurich NA, together with its U.S. affiliates, may, at any time, for any reason and without notice, make changes to (i) the Online Services, including their look, feel, format, and content, as well as (ii) the products and/or services as described in the Online Services. Any modifications will take effect when posted. Therefore, each time you access the Online Services, you need to review the Legal Terms upon which access and use of these Online Services is conditioned. By your continuing use of the Online Services after changes are posted, you will be deemed to have accepted such changes. ARBITRATION NOTICE: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE ARBITRATION SECTION BELOW, YOU AGREE THAT DISPUTES BETWEEN YOU AND ZURICH NA WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. 2. Geographic Limitations The Online Services are 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 Online Services and their content, including the 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 the Online Services. Zurich NA makes no representation that the information, opinions, advice or other content on the Online Services (collectively, "Content") is appropriate or that its products and services are available outside of the United States. Those who choose to access the Online Services 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 Online Services are available in all geographic areas. You may not be eligible for all of the insurance products and services described in the Online Services. Zurich NA reserves the right to determine all eligibility for such products and services in its sole discretion. The Online Services may provide a general description of certain types of insurance products, coverage and services available through Zurich NA. 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 NA. Zurich NA does not guarantee a particular outcome and further assumes no liability in connection with the providing of these products and services. Risk engineering services are provided by The Zurich Services Corporation. 3. Accounts In order to access some features of the Online Services, you may have to create an account. When creating your account you must provide accurate and complete information. 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 NA of any unauthorized use of your password or user name or any other breach of security. Until Zurich NA is properly notified of a breach of security by either e-mail notice at corporate.law@zurichna.com or written notice by U.S. mail addressed to Zurich American Insurance Company, 1299 Zurich Way, Schaumburg, Illinois, 60196-1056, Attn: Privacy Office, privacy.office@zurichna.com , Fax: 1-866-276-6913, you will remain responsible for any unauthorized use of the Online Services occurring under your user name and password. You will not violate, or assist in violating, the security of the Online Services, 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 NA 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 NA 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 Online Services. 4. No Professional Advice The Content available on the Online Services 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. The Online Services are not intended for use by minors. YOU SHOULD EVALUATE ALL INFORMATION, OPINIONS AND ADVICE AVAILABLE ON THE ONLINE SERVICES IN CONSULTATION WITH YOUR INSURANCE SPECIALIST, OR WITH YOUR LEGAL, TAX, FINANCIAL OR OTHER ADVISOR, AS APPROPRIATE. 5. Your Use of Content The Online Services are 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 the Online Services are the exclusive property of Zurich NA or its third party licensors; except as otherwise set forth in this Section 6. Except as expressly provided under this Section, you may not use, reproduce, modify, transmit, distribute, or publicly display or operate the Online Services or a portion thereof without the prior written permission of Zurich NA. 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 the Online Services 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 the Online Services, or the design or layout of the Online Services or individual sections of it, in any form or media. The systematic retrieval of data from the Online Services is also prohibited. The commercial use, reproduction, transmission or distribution of any information, software or other material available through the Online Services without the prior written consent of Zurich NA is strictly prohibited. 6. Your Content and Conduct E-mail submissions over the Internet may not...