We are owned by our policyholders rather than non-lawyer shareholder investors. Our policyholders elect the Board of Directors and have a voice in determining our management policies.
Agreement between User and ISBA Mutual Insurance Company
The ISBA Mutual Insurance Company website is comprised of various Web pages operated by ISBA Mutual Insurance Company. The ISBA Mutual Insurance Company website is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the ISBA Mutual Insurance Company website constitutes your agreement to all such terms, conditions, and notices.
ISBA Mutual Insurance Company reserves the right to change the terms, conditions, and notices under which the ISBA Mutual Insurance Company website is offered, including but not limited to the charges associated with the use of the ISBA Mutual Insurance Company website.
Links to Third Party Sites
The ISBA Mutual Insurance Company website may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of ISBA Mutual Insurance Company and ISBA Mutual Insurance Company is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. ISBA Mutual Insurance Company is not responsible for webcasting or any other form of transmission received from any Linked Site. ISBA Mutual Insurance Company is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by ISBA Mutual Insurance Company of the site or any association with its operators.
No Unlawful or Prohibited Use
As a condition of your use of the ISBA Mutual Insurance Company website, you warrant to ISBA Mutual Insurance Company that you will not use the ISBA Mutual Insurance Company website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the ISBA Mutual Insurance Company website in any manner which could damage, disable, overburden, or impair the ISBA Mutual Insurance Company website or interfere with any other party’s use and enjoyment of the ISBA Mutual Insurance Company website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the ISBA Mutual Insurance Company websites.
Use of Communication Services
The ISBA Mutual Insurance Company website may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:
- Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
- Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.
- Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
- Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer.
- Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
- Conduct or forward surveys, contests, pyramid schemes or chain letters.
- Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
- Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
- Restrict or inhibit any other user from using and enjoying the Communication Services.
- Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
- Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
- Violate any applicable laws or regulations.
ISBA Mutual Insurance Company has no obligation to monitor the Communication Services. However, ISBA Mutual Insurance Company reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. ISBA Mutual Insurance Company reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.
ISBA Mutual Insurance Company reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in ISBA Mutual Insurance Company’s sole discretion.
Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. ISBA Mutual Insurance Company does not control or endorse the content, messages or information found in any Communication Service and, therefore, ISBA Mutual Insurance Company specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized ISBA Mutual Insurance Company spokespersons, and their views do not necessarily reflect those of ISBA Mutual Insurance Company.
Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.
Materials Provided To ISBA Mutual Insurance Company or Posted At Any ISBA Mutual Insurance Company website
ISBA Mutual Insurance Company does not claim ownership of the materials you provide to ISBA Mutual Insurance Company (including feedback and suggestions) or post, upload, input or submit to any ISBA Mutual Insurance Company website or its associated services (collectively “Submissions”). However, by posting, uploading, inputting, providing or submitting your Submission you are granting ISBA Mutual Insurance Company, its affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.
No compensation will be paid with respect to the use of your Submission, as provided herein. ISBA Mutual Insurance Company is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in ISBA Mutual Insurance Company’s sole discretion.
By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.
The information, software, products, and services included in or available through the ISBA Mutual Insurance Company web site may include inaccuracies or typographical errors. Changes are periodically added to the information herein. ISBA Mutual Insurance Company and/or its suppliers may make improvements and/or changes in the ISBA Mutual Insurance Company web site at any time. Advice received via the ISBA Mutual Insurance Company web site should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice tailored to your situation.
ISBA Mutual Insurance Company and/or its suppliers make no representations about the suitability, reliability, availability, timeliness, and accuracy of the information, software, products, services and related graphics contained on the ISBA Mutual Insurance Company web site for any purpose. To the maximum extent permitted by applicable law, all such information, software, products, services and related graphics are provided “as is” without warranty or condition of any kind. ISBA Mutual Insurance Company and/or its suppliers hereby disclaim all warranties and conditions with regard to this information, software, products, services and related graphics, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title and non-infringement.
ISBA Mutual Insurance Company reserves the right, in its sole discretion, to terminate your access to the ISBA Mutual Insurance Company website and the related services or any portion thereof at any time, without notice. GENERAL To the maximum extent permitted by law, this agreement is governed by the laws of the State of Washington, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in San Mateo County, California, U.S.A. in all disputes arising out of or relating to the use of the ISBA Mutual Insurance Company website. Use of the ISBA Mutual Insurance Company website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and ISBA Mutual Insurance Company as a result of this agreement or use of the ISBA Mutual Insurance Company website. ISBA Mutual Insurance Company’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of ISBA Mutual Insurance Company’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the ISBA Mutual Insurance Company website or information provided to or gathered by ISBA Mutual Insurance Company with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and ISBA Mutual Insurance Company with respect to the ISBA Mutual Insurance Company website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and ISBA Mutual Insurance Company with respect to the ISBA Mutual Insurance Company website. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent an d subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.
Copyright and Trademark Notices:
All contents of the ISBA Mutual Insurance Company website are: © 2012-2021 ISBA Mutual Insurance Company and/or its suppliers. All rights reserved.
The names of actual companies and products mentioned herein may be the trademarks of their respective owners. The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.
Any rights not expressly granted herein are reserved.
Notices and Procedure for Making Claims of Copyright Infringement
Pursuant to Title 17, United States Code, Section 512(c) (2), notifications of claimed copyright infringement under United States copyright law should be sent to Service Provider’s Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE. See Notice and Procedure for Making Claims of Copyright Infringement.