Terms of Use

ACCEPTANCE OF TERMS

By using this website, you acknowledge your agreement to the following terms and conditions, without limitation or qualification. Please read these terms carefully. These Terms of Use may be changed, modified, supplemented, or updated at any time, with or without advance notice. You agree to be bound by any such modifications. It is your responsibility to visit the link at the bottom of the Houston International Insurance Group, Ltd. home page periodically to review the most current terms and conditions. If you do not agree with these Terms of Use, you should immediately stop using this website.

This website is owned and maintained by Houston International Insurance Group, Ltd. (“we,” “us,” or “our”), on behalf of an enterprise of affiliated companies (collectively, “HIIG” or the “Company”). The following terms and conditions apply to all users of this website, though we may choose to add to or supersede certain provisions herein with other provisions located in other parts of this website. You further acknowledge that the current Terms of Use, Online Privacy Policy, and other policies posted on this website constitute the entire agreement between you and HIIG in connection with your use of this website, and the content and software herein. You represent and warrant that any information you provide via the website or electronic mail is true and accurate to the best of your knowledge. You acknowledge that the information you may enter into any on-line application is material to any decision by the underwriting company to issue a policy, and that any decision to issue a policy would be made in reliance upon the sufficiency and accuracy of the information entered into the application.

DISCLAIMER

To the fullest extent permissible pursuant to applicable law, the materials and software on this website are provided on an “as is” or “as available” basis and without warranties of any kind, either express or implied. HIIG disclaims all warranties, express or implied, including, but not limited to, any implied warranties of merchantability and fitness for a particular purpose. HIIG does not warrant that the website’s functions will be uninterrupted, non-infringing, or error-free, that any such defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components.

All information on this website is for general informational purposes only, and is not offered as legal, accounting or other professional advice. The descriptions of HIIG’s products and services on this website, including any sample forms or wordings, are not necessarily intended to be complete descriptions of all applicable terms, exclusions, and conditions and are provided solely for general informational purposes. Any statement regarding insurance coverage herein is subject in all respects to the specific terms and conditions of the actual applicable policy or product or service agreement. Complete policy terms are available upon request.

While HIIG uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes do occur. HIIG does not warrant or make any representations regarding the use or the results of the use, of any of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you if you are a resident of any such state. You may also have other legal rights that vary from state to state.

LIMITATION OF LIABILITY

To the fullest extent permissible pursuant to applicable law, you understand and agree that under no circumstances, including, but not limited to, negligence, shall HIIG or the Company be liable to you for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if HIIG or the Company or an authorized representative of HIIG or the Company has been advised of the possibility of such damages. HIIG also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing of this website or your downloading of any materials, data, text, images, video, or audio from this website. Some states do not allow the limitation of liability, so the foregoing limitation may not apply to you.

You agree to indemnify, defend, and hold harmless HIIG and the Company from and against any and all losses, liabilities, expenses, damages, and costs, including reasonable attorneys’ fees and court costs, arising or resulting from your use of this website or any violation of these Terms of Use. If you cause a technical disruption to the website or the systems transmitting the site to you or others, you agree to be responsible for any and all losses, liabilities, expenses, damages, and costs, including reasonable attorneys’ fees and court costs, arising or resulting from that disruption. HIIG reserves the right, at its own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with HIIG in the defense of such matter.

THIRD PARTY CONTENT

This website may contain hyperlinks to other websites which are not owned or maintained by HIIG. HIIG is not responsible for the content or privacy practices of such websites. These hyperlinks are provided solely for your convenience, and do not imply HIIIG’s approval or endorsement of such sites or the content therein. We do not control such websites, and assume no responsibility for their content or accuracy, even though HIIG’s name or logo may appear on certain pages of such third-party sites. We accept no liability for any information, products, advertisements, content, services, or software accessible through such third-party websites or for any action you may take as a result of linking to any such website. We recommend that you carefully read the privacy policies and user agreements of these sites, which will solely govern your use thereof.

OWNERSHIP OF INFORMATION

With the exception of personal data (which shall be maintained in accordance with the Privacy Policy stated below), any information you transmit to HIIG via this website, by electronic mail, direct entry, submission, or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of HIIG. Such information may be used for any purpose, including, but not limited to, reproduction, solicitation, disclosure, transmission, publication, broadcast, and posting. HIIG shall be free to use any ideas, concepts, know-how, or techniques contained in any communication you send to HIIG via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. HIIG may modify or discontinue any of the materials, content, or software, or any portion thereof, that appears on this website at its discretion, with or without notice. Neither HIIG nor the Company will be liable to you or any third party for the effects of any such modification or discontinuance.

CONSENT TO COMMUNICATE ELECTRONICALLY

By utilizing or providing your contact details through the HIIG website, you are consenting to receive communications from us electronically. You acknowledge that electronic communications may not be encrypted and there is a risk that data, including e-mail, electronic and wireless communications and personal data, may be accessed by unauthorized third parties. We may communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Users who do not wish to be contacted electronically may revoke this consent by notifying ­­inquiry@hiig.com.

RESTRICTIONS ON USE OF MATERIALS

This website is owned and operated by HIIG. Except where otherwise indicated, all materials and software contained in this website, as well as their collection, arrangement, and assembly, are the copyrighted property of HIIG or the Company and are protected by U.S. copyright laws. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, distributed, or otherwise commercially exploited in any way, except with the express written consent of HIIG. You may download material displayed on this website for your personal use only, provided that you do so without alteration, for non-commercial purposes only, and that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.

You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video, without HIIG’s prior written permission. We neither warrant nor represent that your use of materials displayed on this website will not infringe rights of third parties.

You are prohibited from: (i) using this website for any unlawful, unauthorized, fraudulent, or malicious purpose; (ii) using this site in a method that could damage, disable, overburden, or impair any server, or any network connected to a server; (iii) interfering with another person’s use and enjoyment of this website; (iv) using data mining, robots, or similar data gathering and extraction tools with respect to any portion of the website; (v) gaining unauthorized access to accounts, computer systems, or networks connected to any server or systems; or (vi) accessing materials, systems, data, or information not intended by HIIG to be accessible to you or through any means not intentionally made available by HIIG.

In addition, in using this website, you agree you will not: (i) upload or transmit any material that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, or otherwise objectionable, or that may invade another’s right of privacy or publicity; (ii) create a false identity for the purpose of misleading others or impersonate any person or entity, including but not limited to any Company representative, or falsely state or otherwise misrepresent your affiliation with a person or entity; (iii) upload or transmit any material that you do not have a right to reproduce, display, or transmit under any law or under contractual or fiduciary relationships (such as nondisclosure agreements); (iv) upload or introduce files that contain viruses, trojan horses, worms, time bombs, cancel-bots, corrupted files, or any other similar software or programs that may damage the operation of another’s computer or the property of another; (v) upload or transmit any unsolicited advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes” or any other form of solicitation, commercial or otherwise; (vi) violate any applicable local, state, national, or international law or regulation; (vii) upload or transmit material that infringes any patent, trademark, service mark, trade secret, copyright, or other proprietary right of any party; or (viii) harvest or otherwise collect information about others, including e-mail addresses.

HIIG reserves the right to take any lawful action it deems appropriate in response to any actual or suspected violations of these terms, including but not limited to the suspension or termination of the user’s access to the website and/or account. HIIG may cooperate with legal authorities and/or third parties in the investigation of any suspected or alleged crime or civil wrong. Except as expressly limited by the Privacy Policy set forth below, we reserve the right to disclose any information that we deem necessary to satisfy any applicable law, regulation, legal process, or governmental request, or as otherwise permitted by law. We also reserve the right to edit, remove, or refuse to post any materials or information, in whole or in part, at our sole discretion.

TRADEMARKS

All trademarks, service marks, trade names, logos, and icons are proprietary to HIIG and/or the Company. This proprietary information includes the website’s domain name, logos, page headers, graphics, and button icons. Use of the trademarks, service marks, trade dress, or other logos displayed on this website, without prior written authorization of HIIG or as otherwise provided herein, is strictly prohibited.

PRIVACY POLICY

OVERVIEW

HIIG respects the privacy of our website visitors, and we are committed to protecting our visitors’ personal information. We want you to understand how and why we collect, use, and disclose the information we obtain about you from this website.

COLLECTION AND USE OF PERSONAL INFORMATION

Through this website, we may collect personal information which is information that identifies or can be readily associated with a particular individual.

At times, HIIG may ask you to provide a limited amount of personal information that could identify you, such as your name, address, e-mail address. This information is collected only when you voluntarily provide it.

We may use personally identifiable information from you for a limited number of purposes, including responding to e-mails, providing customer support, and other similar business purposes.

We do not disclose any personal information to anyone except as is necessary to provide our products or services to a person, or otherwise as we are required or permitted by law. In certain instances, we may release information collected through this website in order to comply with requests from law enforcement or government agencies.

Personal information you provide through this website may be combined with other personal information that we collect or receive about you through other methods, and such combined personal information may be used as described in this Policy.

COLLECTION AND USE OF NON-PERSONAL INFORMATION

Non-personal information is information that does not identify an individual and cannot be readily associated with a particular individual.

Certain information is automatically collected when you visit our website. For example, we may collect information to track the number of visitors we receive and the way that visitors navigate the website. Information collected may include the date and time you accessed the website, the page or pages you visited and images you accessed, the name of any other website that referred you to the HIIG website, as well as your IP address, operating system, browser type, and type of computer. We may share this aggregated information with our affiliates and/or third parties. We reserve the right to use non-personal information in order to investigate unlawful conduct and/or breaches of this Policy.

Data may be gathered using cookies and other similar technologies. Cookies are small bits of text that can be placed into a file on your computer by the web servers that maintain this website. When you register onto this website, we may use cookies to save your preferences and login information so that the information does not have to be re-entered each time this website is visited.

CONFIDENTIALITY AND SECURITY OF PERSONAL INFORMATION

We utilize physical, electronic, and procedural safeguards to protect your personal information and guard against its unauthorized access. However, no transmission of information over the Internet can be guaranteed to be totally secure, and we cannot ensure or warrant the security of any such transmission to the website. When you disclose information to us online, you do so at your own risk. If you have any reason to believe that your interaction with us is no longer secure, contact us immediately at ­­­­­­­­­­inquiry@hiig.com.

JURISDICTIONAL ISSUES

Except as expressly stated herein, the information contained on this website is not an offer to sell or a solicitation of an offer to buy any insurance product, or other product or service by HIIG or the Company. No insurance product or other product or service is offered or will be sold by HIIG or the Company or, if sold by such entity, will be effective in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the insurance or other laws of such jurisdiction. Those who choose to access this website do so by their own initiative and are responsible for compliance with local laws. Unless otherwise expressly set forth herein, HIIG makes no representation that the materials on this website are appropriate or available for use in any location. Due to various insurance and other regulatory restrictions, certain products and services described on this website may vary by jurisdiction and may not be available in or suitable for all jurisdictions. Further, we make no representation that materials on this website are appropriate for use outside the United States, or that access to this website’s content is legal in all countries and/or territories. You may not use this website or export its materials in violation of United States export laws and regulations. Please contact a designated representative of HIIG or your broker to find out which products and services are available to you in your jurisdiction.

CHOICE OF LAW

These Terms of Use are governed by the laws of the State of Texas and controlling United States federal law without regard to any conflicts of law provisions, unless such law cannot be applied in a particular jurisdiction under prevailing applicable law. If you do have a dispute with the Company, you agree to submit to the personal and exclusive jurisdiction of the courts located within the City of Houston and County of Harris, Texas. If any provision herein is deemed by a court of competent jurisdiction to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions. The section headings are for convenience only and do not have any force or effect.

UPDATES

HIIG reserves the right to change these Terms of Use in order to address future developments of HIIG, the Company, or the website, or changes in industry or legal trends.