Web Site Terms and Conditions of Use

1. Terms
By accessing this website, you agree to be bound by these Terms and Conditions of Use, all applicable laws and regulations, and their compliance. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained on this site are protected by applicable copyright and trademark laws.

2. Use License
Permission is granted to temporarily download one copy of the materials (information or software) on Empire Insurance Group’s website for personal, non-commercial transitory viewing only. This is a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials;

• Use the materials for any commercial purpose or public display (commercial or non-commercial);

• Attempt to decompile or reverse engineer any software contained on Empire Insurance Group’s website;

• Remove any copyright or proprietary notations from the materials; or

• Transfer the materials to another person or "mirror" the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Empire Insurance Group at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession, whether in electronic or printed format.

3. Disclaimer
The materials on Empire Insurance Group’s website are provided "as is." Empire Insurance Group makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Furthermore, Empire Insurance Group does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

4. Limitations
In no event shall Empire Insurance Group or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising from the use or inability to use the materials on Empire Insurance Group’s website, even if Empire Insurance Group or an authorized representative has been notified orally or in writing of the possibility of such damage. Some jurisdictions do not allow limitations on implied warranties or liability for consequential or incidental damages, so these limitations may not apply to you.

5. Revisions and Errata
The materials appearing on Empire Insurance Group’s website could include technical, typographical, or photographic errors. Empire Insurance Group does not warrant that any of the materials on its site are accurate, complete, or current. Empire Insurance Group may make changes to the materials contained on its website at any time without notice. However, Empire Insurance Group does not make any commitment to update the materials.

6. Links
Empire Insurance Group has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Empire Insurance Group. Use of any such linked website is at the user’s own risk.

7. Site Terms of Use Modifications
Empire Insurance Group may revise these terms of use for its website at any time without notice. By using this website, you agree to be bound by the then-current version of these Terms and Conditions of Use.

8. Governing Law
Any claim relating to Empire Insurance Group’s website shall be governed by the laws of the State of [Insert State] in the United States, without regard to its conflict of law provisions.

Privacy Policy

Your privacy is important to us. This policy outlines how we collect, use, disclose, and safeguard your personal information:

• Mobile Information: Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. This includes text messaging opt-in data and consent, which will not be shared with any third parties.

• Purpose Identification: Before or at the time of collecting personal information, we will identify the purposes for which the information is being collected.

• Use of Information: We will collect and use personal information solely to fulfill those purposes specified by us and for other legitimate purposes unless we obtain the consent of the individual concerned or as required by law.

• Data Retention: We will retain personal information only as long as necessary to fulfill those purposes.

• Lawful Collection: Personal information will be collected by lawful and fair means and, where appropriate, with the knowledge or consent of the individual.

• Relevance and Accuracy: Personal information should be relevant to the purposes for which it is to be used and, to the extent necessary for those purposes, should be accurate, complete, and up to date.

• Security: We will protect personal information by reasonable security safeguards against loss, theft, unauthorized access, disclosure, copying, use, or modification.

• Transparency: We will provide customers with access to our policies and procedures relating to the management of personal information upon request.

We are committed to conducting our business in accordance with these principles to ensure the confidentiality and protection of your personal data.