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Terms and Conditions

Acceptance of Terms and Modifications

Thank you for choosing Grange Insurance Association and Granwest Property & Casualty (also “GIA,” “Granwest,” “GPC,” “we,” “our,” or “us”). By using www.grange.com and all other websites, newsletters, social media pages, or apps owned and maintained by GIA (the “Website”), users, applicants, and policyholders (also “you,” “your,” or “their”) agree to be bound to these Terms and Conditions (“Terms”), which include our Privacy Policy and the Online Payment Agreement (described below). You may access most areas of the Website without registering your details with us. Certain areas of the Website are only open to you if you register. Please note that these Terms, including our Privacy Policy and any other documents we refer to below, apply to all areas of the Website, and form a legally-binding agreement between you and us.

We reserve the right to modify or discontinue this Website, or any portion thereof without notice to you or any third party. These Terms may be unilaterally modified from time to time without notice to you. Such modifications by us are effective upon posting to the Website, and your access to or use of the Website at any time constitutes acceptance of the Terms in effect at the time. It is important that you review these Terms every time you use or access the Website.

IF YOU DO NOT AGREE TO ALL OF THESE TERMS WITHOUT MODIFICATION, THEN PLEASE DO NOT ACCESS OR USE THE WEBSITE OR ANY PORTION OF IT. BY VIEWING, CONTINUING TO ACCESS, OR USING ALL OR ANY PART OF THE WEBSITE, DOWNLOADING ANY MATERIALS, OR COMPLETING ANY APPLICATION PROCESS VIA THE WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS. IF THESE TERMS ARE NOT ACCEPTABLE TO YOU, YOUR ONLY RECOURSE IS TO CEASE USING THE WEBSITE.

Website Access and Electronic Communication

The Website is controlled and operated by us from the United States. We make no representation that any part of the Website, our products, or our services is appropriate or available for use in other locations. Those who choose to access the Website do so on their own initiative and at their own risk and are responsible for compliance with all applicable local laws. We reserve the right to discontinue the Website or to limit the availability of the Website and/or the provision of any product or service offered on or through the Website to any person, geographic area, or jurisdiction, at any time and in our sole discretion for any reason, including, but not limited to, if we reasonably believe: (i) you have violated these Terms; (ii) you create risk or possible legal exposure for us; or (iii) our provision of the Website to you is no longer commercially viable.

The Website is intended to be used for information regarding insurance and financial products and services. Not all of the products or services described on this Website are available in all geographic areas of the United States. You may not be eligible for all of the insurance products or services described in this Website. We reserve the right to determine all eligibility for such products or services in our sole discretion.

Consistent with the United States Federal Children’s Online Privacy Protection Act of 1998 (COPPA), we do not intend to market the Website or any products or services to children under thirteen (13) years of age, and do not knowingly collect personal information or make any active effort to collect personal information from children and do not wish to receive such information. We cannot prevent minors from visiting the Website and must rely upon parents, guardians, and others responsible for supervising children to decide what content is appropriate for such children.

By accessing or visiting the Website, sending an email, or otherwise communicating with us through the Website or our services, you are communicating with us electronically and you agree to receive electronic communication from us, including by email and by posting to the Website. You agree that any electronic communication from us satisfies any legal requirements that such communication must be in writing. You also agree that any communications that you submit or otherwise provide to us or the Website, by email or otherwise, are and will be treated as non-confidential and non-proprietary and that we will have the right to use such information in accordance with the Privacy Policy.

When you provide any information or material on our Website, you acknowledge and agree that we do not guarantee that the materials will remain available to you or that you will qualify for the products or services we offer.

Ownership and Restrictions on Use of Website Content

The Website, including but not limited to text, images, audio, video, product and price information, reviews, apps, and email newsletters (collectively, “Content”), belong to us or others. No Content from the Website may be captured, reproduced, transferred, sold, licensed, removed, deleted, augmented, published, transmitted, uploaded, reverse engineered, edited, posted, publicly displayed, linked, broadcast, or distributed or exploited by any other means, unless otherwise expressly permitted in writing by us. ANY DISTRIBUTION FOR COMMERCIAL PURPOSES IS STRICTLY PROHIBITED WITHOUT OBTAINING A LICENSE TO DO SO FROM US OR OUR LICENSORS. If you copy, reproduce, or retransmit any part of our Website in breach of these Terms, your right to use our Website will cease immediately and you must, at our option, return, destroy, or recall any copies of the Content you have made.

You may download and use Content displayed on the Website for your personal, non-commercial use only and only so long as you maintain and preserve any GIA copyright or proprietary notices. However, you may not download or use the Content for commercial or public uses, unless expressly permitted in writing by us.

For instances in which you reproduce GIA Content, consistent with the above terms or with express permission of GIA, you must place “Used with permission from Grange Insurance Association” somewhere near the reproduced Content.

You may not do any of the following while accessing or using the Website: (i) access, tamper with, or use non-public areas of the Website, GIA’s computer systems, or the technical delivery systems of GIA’s providers; (ii) probe, scan, or test the vulnerability of any system or network or breach or circumvent any security or authentication measures; (iii) forge any TCP/IP packet header or any part of the header information in any email, or in any way use the Website to send altered, deceptive or false source-identifying information; or (iv) interfere with, or disrupt, (or attempt to do so), the access of any user, host or network, including, without limitation, sending a virus, overloading, flooding, spamming, mail-bombing the services, or by scripting the creation of content in such a manner as to interfere with or create an undue burden on the Website.

Accuracy of Website Content

All of the information, analysis, materials, opinions, or other statements including but not limited to text, images, audio, video, product and price information, reviews, apps, and email newsletters on the Website or from GIA (collectively, “Content”) is for informational and educational purposes only. While the Content is believed by us to be honest and accurate, we and our third-party providers of Content do not guarantee the accuracy, completeness, usefulness, or timeliness of the Content on the Website. We do not endorse nor have any responsibility for any Content on the Website by anyone other than our authorized employees or spokespersons while acting in their official capacities.

The Content on the Website should never be relied upon as the sole basis for making any decisions to purchase products or services from GIA. We and our third-party providers, affiliates, agents, and licensors will not be liable for any purchase decisions made based on the Content and/or the Website. Any reliance on the Content is at your own risk, and you assume any and all risks associated with your purchase decisions. We do not advocate the purchase or sale of any particular products or services.

We and our third-party providers, affiliates, agents, and licensors may be active investors in businesses related to or mentioned on this Website and may or may not have open investment positions in those businesses. You assume any and all risk associated with your purchase decisions irrespective of whether we or our third-party providers, affiliates, agents, or licensors hold positions in products mentioned on the Website.

Mobile App

GIA may provide services through a mobile app (the “App”), including but not limited to an App developed for the Apple Inc. (“Apple”) and Alphabet Inc. (“Android”) mobile platforms. The App is considered an extension of the Website, is included in the definition of such, and is subject to these Terms, along with any Content contained therein. The App may collect Personal Information (as defined in our Privacy Policy) from you including insurance card information. Please refer to the Privacy Policy for how we handle such Personal Information.

By downloading our Apple App, you agree to the following terms in this section:

(a) You acknowledge that these Terms are entered into between you and GIA and, that Apple, Inc. (“Apple”) is not a party to these Terms other than as a third-party beneficiary as contemplated below.

(b) The license granted to you under these Terms is a non-exclusive, non-transferrable, revocable license to use the App for your personal, non-commercial purposes. Your use of the App is subject to the permitted Usage Rules set forth in the Apple Media Services Terms and Conditions (see: http://www.apple.com/legal/itunes/us/terms.html) and any third-party terms of agreement applicable to the Services.

(c) You acknowledge that GIA, and not Apple, is responsible for providing the services and any content thereof.

(c) You acknowledge that Apple has no obligation whatsoever to furnish any maintenance or any support services to you with respect to the services.

(e) To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the services.

(f) Notwithstanding anything to the contrary herein, and subject to these Terms, you acknowledge that, solely as between Apple and GIA, GIA, and not Apple is responsible for addressing any claims you may have relating to the services, or your possession and/or use thereof, including, but not limited, to: (i) product liability claims, (ii) any claim that the services fail to confirm to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation.

(g) Further, you agree that if the services, or your possession and use of the services, infringes on a third party's intellectual property rights, you will not hold Apple responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claims.

(h) You acknowledge and agree that Apple, and Apple’s subsidiaries, are third-party beneficiaries of these Terms, and that, upon your acceptance of the terms and conditions of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary thereof.

(i) When using the services, you agree to comply with any and all third-party terms that are applicable to any platform, website, technology, or service that interacts with our services.

User Account

Use or functionality of certain aspects of the Website may require you to set up a user account with us (“User Account”).

You can register a User Account by clicking on the “Login” link on the Website and following the instructions for setting up your account. To complete the registration process, you will be required to provide certain information about yourself, including your name, email address, and other information.

By setting up a User Account, you agree (a) to provide accurate and current information about you as may be required during the registration process (“Registration Data”); (b) not to impersonate or misrepresent your affiliation with any person or entity or use another person's username, password or other account information, or provide false details for a parent or guardian; (c) to maintain the security of your User Account password; (d) to maintain and promptly update the Registration Data, and any other information you provide to us, to keep it accurate and current; (e) to accept all risks of unauthorized access to the Registration Data and any other information you provide to us; and (f) to notify us immediately of any unauthorized use of your User Account or password or of any other breach of security regarding your User Account by emailing us at privacy-request@grange.com.

Note that by setting up a User Account, you represent and warrant that:

  • All of the information you submit for your User Account is true and accurate;
  • You are at least 18 years of age;
  • You have reviewed these Terms; and
  • You are fully able and competent to enter into the terms, conditions, obligations, representations and responsibilities set forth in these Terms, and to abide and comply with them.

By creating a User Account, sending e-mails to us, or providing your email address to us on the Website or otherwise, you consent to receiving email communications from us. Furthermore, you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, via the Website or otherwise, satisfy any legal requirement that such communications be in writing. You may opt out of receiving communications from us by following the opt-out procedure provided in our Privacy Policy.

Copyright and Trademarks

GIA respects copyright and other proprietary laws and expects you to do the same. We reserve the right to terminate your access to the Website if you repeatedly infringe or are reasonably believed to have been repeatedly infringing the rights of copyright or other proprietary rights holders by way of the Website.

Without limiting any other language in these Terms, you acknowledge and agree that the Website and Content are protected by copyright laws, trademark laws, other laws of the United States, and laws of other countries. Without limiting any other language in these Terms, you acknowledge and agree that the Website and Content, which includes all associated proprietary rights, are the exclusive property of GIA and our licensors. You further acknowledge and agree that all trademarks appearing on the Website and Content are owned by us or the third party that provides it. You will not remove, alter, or obscure any copyright, trademark, service mark, or other proprietary right notices incorporated in or accompanying the Website or Content.

We do not condone copyright infringement or any other infringement of proprietary rights on our Website, and will remove allegedly infringing content if properly notified of the infringement. If you are a copyright owner or other proprietary rights owner and believe that any content infringes your work, you may submit a notification by providing our Copyright Agent, who may be reached using the contact information listed at the bottom of these Terms, with the following information in writing (see 17 U.S.C 512(c)(3) for further information):

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;

• Identification of the work claimed to have been infringed, or, if multiple works at a single online site are covered by a single notification, a representative list of such works at that site;

• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit the service provider to locate the material;

• Information reasonably sufficient to permit the service provider to contact you, such as an address, telephone number, and, if available, an email;

• A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and

• A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

The above notice should be sent to the contact below.

By mail:

Grange Insurance Association

200 Cedar Street

Seattle, WA 98121

By e-mail: [copyright@grange.com]

Prohibitions and Rights

In connection with the acknowledgement of our rights, above, you agree not to:

• use, display, mirror, or frame the Website or any individual element within the Website, including our name(s);

• access, tamper with, or use non-public areas of the Website – e.g. our computer systems, etc;

• attempt to probe, scan, or test the vulnerability of any of our systems or networks;

• breach any security or authentication measures;

• avoid, bypass, remove, deactivate, impair, descramble, or otherwise circumvent any technological measure implemented by us, any of our providers, or any other third party – e.g. other users, etc.;

• attempt to access or search the Website through the use of any engine, software, tool, agent, device, or mechanism – e.g. spiders, robots, crawlers, data mining tools, etc. – other than the software and/or search agents provided by us;

• send any unsolicited or unauthorized advertising, promotional materials, email, junk mail, spam, chain letters, or other form of solicitation;

• use any meta tags or other hidden text;

• use any metadata utilizing our trademark or URL;

• forge any TCP/IP packet header or any part of the header information in any email or posting;

• use the Website in any way to send altered, deceptive, or false source-identifying information;

• attempt to decipher, decompile, disassemble, or reverse engineer any of the software used, contained, or displayed within the Website;

• interfere with or attempt to interfere with the access of any user, host, or network – e.g. sending a virus, overloading, flooding, spamming, mail-bombing, etc.;

• collect or store any Personal Information from other users of the Website;

• impersonate or misrepresent your affiliation with any person or entity;

• access the Website behind proxy servers or URL cloaking techniques; and/or

• encourage or enable any other individual to do any of the foregoing.

You acknowledge and agree that we have the right to investigate and prosecute violations of any of the above prohibitions or any of these Terms to the fullest extent allowed under applicable law.

Enforcement

You also acknowledge and agree that we do not have an obligation to monitor your access or use of the Website, but we retain the right to do so for the purpose of operating the Website and ensuring compliance with these Terms as well as the law. At any time and without prior notice, we reserve the right to disable your access if we find a violation of these Terms or the law.

Any rights not expressly granted herein are reserved by us. We will determine your compliance with the Terms and the Privacy Policy in our sole discretion and our decision shall be final and binding. Any violation of the Terms or the Privacy Policy may result in restrictions on your access to all or part of the Website and may be referred to law enforcement authorities. We, in our sole discretion, reserve the right to disqualify and terminate access or use of any individual found to be (a) tampering with the operation of the Website; (b) acting in violation of the Terms or the Privacy Policy; (c) acting in an unethical or disruptive manner; or (d) acting with intent to annoy, abuse, threaten, or harass us, our representatives, or any other individual in any manner related to the Website.

GIA also reserves the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to (a) satisfy any applicable law, regulation, legal process or governmental request, (b) enforce the Terms, including investigation of potential violations hereof, (c) detect, prevent, or otherwise address fraud, security or technical issues, (d) respond to user support requests, or (e) protect the rights, property or safety of GIA, its users and the public. GIA also reserves the right to remove Content alleged to be infringing another’s intellectual property rights without prior notice, at our sole discretion.

Affiliates

Our affiliated companies are Grange Insurance Association and Granwest Property & Casualty (“Granwest”). These Terms apply to both companies.

Patrons of Husbandry

As a benefit of owning a Grange Insurance Association policy, you are automatically a supportive member of the fraternal Grange. The Grange Insurance Association has had a successful relationship with the Patrons of Husbandry for over 110 years. The Patrons of Husbandry is a fraternal organization also known as the Grange. The Grange was formed in 1867 by a group of farmers for their mutual support and protection and to foster civic, moral, and political responsibility. If you are a Grange Insurance Association or a Granwest Property & Casualty policyholder, we cordially invite you to call the Patrons of Husbandry at 1 (888) -4-Grange to discover the full benefits of participating in this organization.

Online Payments

This Online Payment Agreement ("Agreement") for initiating policy premium payments for your insurance policy governs the online payment service offered by us. By using the online service you agree to abide by these Terms. This Agreement will be governed by and interpreted in accordance with these Terms and all applicable federal laws and regulations.

To initiate premium payments toward your insurance policy(ies) through our online payment service, you must have an eligible bank account and an online password, unless making a onetime payment or guest payment. The online password will allow you to initiate online premium payments for your policy. This password can be changed. We recommend that you change your password regularly. We are entitled to act on instructions received under your password without any requirement to question those instructions. For security purposes, it is recommended that you memorize this online password and do not write it down. You are responsible for keeping your password, User Account information, and other account data confidential. You must also promptly update all billing information to keep your account with our online payment service current, complete, and accurate, and you must promptly contact us if your credit card or other relevant account information is lost, stolen, compromised, or if you become aware of a potential breach of account security. You authorize us to obtain or determine updated or replacement expiration dates for your credit card or other payment method in the event that such, as you provided to us, expires or is terminated. We reserve the right to charge any renewal card or payment method issued to you to the same extent as the expired or terminated card or payment method.

The first time you initiate payments through the online payment service you will be required to confirm your acceptance of the Agreement. It is understood and agreed by you that this service is provided for your convenience and payment of your premium continues to be your responsibility and obligation as stated in your existing agreement with us. You agree and acknowledge that we are not liable or responsible for any system failure, misdirection of your payment, or any system error that was beyond our control.

There are no separate monthly or transaction fees for initiating payments through the online payment service. However, if you choose to pay less than your entire policy premium in one payment and, instead, select a recurring payment plan that includes service fees, those service fees will continue to apply even if you choose to use this online payment system. Please note that fees may be assessed and billed separately by your funding provider and/or online service provider.

You may select a recurring payment plan. If you select a recurring payment plan and your policy premium increases or decreases, the amount of premium withdrawn from your funding account will automatically be adjusted in accordance with the payment plan you have selected. In addition to this Agreement, you, GIA, and Granwest agree to be bound by and will comply with the requirements of the rules and regulations of any funds transfer system and applicable state and federal laws and regulations. We reserve the right to terminate this Agreement and your access to initiate online payments, in whole or in part at any time. We may assign this Agreement to any now-existing or future direct or indirect subsidiary or affiliate. We may also assign or delegate certain rights and responsibilities under this Agreement to independent contractors or other third parties.

We reserve the right to change the charges, fees, or terms described in this Agreement. When changes are made to any fees, charges, or other material terms, we will update this Agreement, and either send a notice to you at the address shown on our records or send you an email. The notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees for online transactions. You will also be notified of any changes in the type or frequency of transactions or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing participation in online payments. We also reserve the option, at our sole discretion, to waive, reduce, or reverse charges or fees in individual situations.

Disputes between you, GIA, and/or Granwest under this Agreement that relate to your payment(s) are subject to the provisions of your insurance policies and or state laws and regulations. Nevertheless, you agree that if payment is not received from your credit card issuer, bank, or payment service, you agree to pay all amounts due upon demand. You also agree to pay all costs of collection, including attorneys' fees and costs, on any outstanding balance.

When making payments, you authorize GIA or our authorized payment service to initiate and your financial institution or credit card issuer to execute and pay any amounts described herein and associated with your account and to continue charging all such amounts until you or we terminate this Agreement in accordance with our policy in place at the time or the amounts are paid in full, whichever is later. You further acknowledge that GIA or its authorized vendor may seek pre-authorization or may make repeated attempts to fulfil payments, as necessary. By making payments, you certify that you are an authorized user of your account and that you will not dispute the payment with your financial institution, so long as the transaction corresponds to the services described and to these Terms. Unless otherwise stated, all fees are quoted in U.S. Dollars.

Links

These Terms only apply to our Website. The Website may include links to third party websites or resources. Because we do not have control over such websites and resources, we do not make any representations about any websites or resources other than our own. You acknowledge and agree that we are not responsible for the availability of such external websites or resources. We do not endorse and are not responsible or liable for any content, advertising, products, or other materials on or available from such websites or resources. If provided, you should review the terms and conditions of any linked websites or resources carefully.

Disclaimer

THE WEBSITE AND CONTENT ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT ALLOWED UNDER APPLICABLE LAW, WE EXPLICITLY DISCLAIM ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, OR NON-INFRINGEMENT. ALSO, WE EXPLICITLY DISCLAIM ANY WARRANTIES ARISING OUT OF THE COURSE OF DEALING OR USAGE OF TRADE. WE MAKE NO WARRANTY THAT THE WEBSITE OR CONTENT WILL MEET YOUR REQUIREMENTS OR BE AVAILABLE ON AN UNINTERRUPTED, SECURE, ERROR-FREE BASIS, OR THAT THE WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DISCLAIM ANY RESPONSIBILITY FOR HARM TO YOUR PHONE, COMPUTER, OTHER ELECTRONIC DEVICES, CAR, LOSS OF DATA, OR OTHER HARM THAT MAY RESULT FROM ACCESS TO OR USE OF THE WEBSITE, INCLUDING BUT NOT LIMITED TO CONTRACTION OF A COMPUTER OR PHONE VIRUS.

WE MAKE NO WARRANTY REGARDING THE QUALITY, ACCURACY, TIMELINESS, TRUTHFULNESS, OR COMPLETENESS OF ANY CONTENT, PRODUCTS, OR SERVICES PURCHASED OR OBTAINED THROUGH THE WEBSITE, OR THAT DEFECTS WILL BE CORRECTED.THE CONTENT AVAILABLE VIA THE WEBSITE IS FOR INFORMATIONAL PURPOSES ONLY AND MAY NOT BE USED FOR ANY OTHER PURPOSE. CONTENT PROVIDED OR EXPRESSED ON THE WEBSITE, INCLUDING THAT OF THIRD PARTIES, MAY NOT REFLECT OUR POLICIES OR CONFORM TO ANY AGREEMENT YOU MAY HAVE WITH US. PLEASE CONTACT A LICENSED INSURANCE AGENT OR ATTORNEY TO OBTAIN PARTICULAR ADVICE.

For clarity, no advice or information, whether oral or written, obtained from us, the Website, or the Content will create any warranty not expressly made herein.

You acknowledge and agree that your access to and use of the Website and Content is dependent upon access to telecommunication services and internet services. You shall be solely responsible for acquiring and maintaining all telecommunication services, internet services, and other hardware and software required to access and use the Website and Content.

You agree that your access to and use of the Website or Content and your purchase of products or services on or through the Website are at your sole risk, whether known or unknown to you.

Limitation of Liability

Without limiting the foregoing, you also acknowledge and agree that GIA and its officers, directors, agents, third-party providers, affiliates, or licensors are not and will not be responsible for, liable for, or incur any claims, causes of action, suits, penalties, fines, losses, damages, costs, or expenses, including attorneys’ fees (“Claims”) arising out of or in connection with these Terms or from your access to, use of, or inability to access or use the Website, Content, or products or services provided on the Website for or arising out of the following:

• personal or bodily injury, death, or emotional distress;

• interactions or meetings with other users of the Website or Content or other persons with whom you communicate or interact with as a result of your use of the Website or Content;

• loss or corruption of data, lost communications, or any other loss or damage of any kind arising from any telecommunication services and internet services or the failure of such services that you use to access or use the Website or Content; and

• any other Claims arising out of or relating to your acts or omissions or the acts or omissions of any third party, whether in contract, warranty, strict liability, negligence, or other legal theory regardless of whether or not we have been informed of the possibility of such Claims, even if a limited remedy set forth herein is found to have failed of its essential purpose.

The foregoing limitations apply even if we have been advised of the possibility of such damages or they are otherwise foreseeable), or if such Claims result from: (a) the use or the inability to use the Website or results of the use of the Website or any materials posted on it, however arising and whether caused by tort (including negligence), breach of contract or otherwise; (b) the cost of procurement of substitute products or services resulting from any products, data, information, or services obtained or messages received or transactions entered into through, from or as a result of the Website; (c) unauthorized access to or alteration of your transmissions or content; (d) statements or conduct of any third party on the services or Website; or (e) any other matter relating to the products or services we offer or the Website. The foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction.

Without limiting the foregoing, you acknowledge and agree that if we are found liable for any of the foregoing Claims or for any other Claims arising hereunder, including the breach of these Terms, we and any other person or entity involved in creating, producing, or delivering any of the foregoing will under no circumstances be liable for any incidental, special, exemplary, punitive, or consequential damages, including, without limitation, lost profits, loss of data, loss of goodwill, or the cost of acquiring substitute products or services, whether in contract, warranty, strict liability, negligence, or other legal theory, regardless of whether or not we have been informed of the possibility of such Claims, even if a limited remedy set forth herein is found to have failed of its essential purpose.

By accessing the Website, you understand that you may be waiving rights with respect to Claims that are at this time unknown or unsuspected, and in accordance with such waiver, you acknowledge that you have read, understood, and hereby expressly waived the benefits of section 1542 of the Civil Code of California, and any similar law of any state or territory, which provides as follows: “a general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor.”

The limitation of liability set forth above is a fundamental element of the basis of the bargain between us and you. The limitation of liability set forth above shall apply to every form of action, whether in contract, warranty, strict liability, negligence or other legal theory, and shall survive any breach of the Terms, the Privacy Policy, the Agreement, or any agreement or the failure of the essential purpose of the Terms, the Privacy Policy, the Agreement, any agreement, or any exclusive remedy.

Without waiving the exclusive governing law provision set forth below, some states do not allow the exclusion or limitation of liability for consequential or incidental damages. Therefore, the above limitation may not apply to you. In such states, our liability is limited to the fullest extent allowed under applicable law.

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OR THE PRODUCTS OR SERVICES OFFERED BY US MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

Indemnification

You agree to defend, indemnify, and hold GIA, its officers, its directors, its employees, and its agents harmless from and against any Claims arising out of or in any way connected with:

• your access to or use of the Website or Content, including your violation of these terms;

• any goods or services you may provide or fail to provide; and

• any agreements or understandings you have with third parties.

You shall cooperate as fully as reasonably required in the defense of any such claim. GIA reserves the right, at its own expense, to assume the exclusive defense and control of any matter or portion thereof subject to indemnification by you.

General Provisions

The Terms and the Privacy Policy, as each may be amended from time to time, constitute the entire and exclusive understanding and agreement between us and you regarding the Website and Content. The Terms and the Privacy Policy supersede and replace any and all prior oral or written understandings or agreements between GIA and you regarding those subjects.

If any provision of the Terms or the Privacy Policy is found by a court of valid jurisdiction to be invalid or unenforceable, the remainder of the Terms and the Privacy Policy shall remain in full force and effect and shall be enforced to the fullest extent allowed under applicable law.

No waiver or failure by us to enforce any provision of the Terms or the Privacy Policy shall be valid unless in writing and signed by an officer of GIA or Granwest.

You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer these Terms, without such consent, will be null and of no effect. We may assign or transfer these Terms at our sole discretion without restriction and notice to you. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors, and permitted assigns.

Nothing contained in the Terms or the Privacy Policy shall be deemed to constitute you and GIA or Granwest as partners or joint venturers or constitute an employment or agency relationship between you and us.

Headings in the Terms and the Privacy Policy are purely for reference and shall not affect the meaning of any term or condition. As used in the Terms and the Privacy Policy, the words “include,” “including,” “e.g.,” “such as,” and variations thereof shall not be deemed to be terms of limitation, but rather shall be deemed to be followed by the words “without limitation.” Any provision of the Terms or the Privacy Policy that must survive to allow us to enforce its meaning shall survive termination for any reason. Any Claim by or through you relating in any way to the Terms, the Privacy Policy, the Website, the Content, or otherwise with respect to their subject matter, regardless of form or the basis of the Claim, must be brought within one (1) year after the cause of action has arisen (or if multiple causes, from the date the first such cause of action arose) or else such cause of action is waived.

The Terms and the Privacy Policy constitute a written agreement between you and us. A printed version of the Terms or the Privacy Policy, and of any electronic notice pertaining to the Terms or the Privacy Policy, shall be admissible in a judicial or administrative proceeding to the same extent, and subject to the same restrictions, as any other contract, document, or record originally in printed form.

Disputes and Claims

Any and all disputes, demands, or Claims arising from or related to your access to and/or use of the Website, our Content, and/or these Terms shall be settled and resolved first by good faith efforts to amicably resolve the matter through discussion and negotiation (which may include mediation if both you and we so agree). If those efforts fail despite such good faith attempts, then the exclusive forum for resolution of any and all such disputes and claims shall be a state or federal court located in the State of Washington, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms in your state or country of residence or any other relevant state or country. You and we agree to personal jurisdiction and venue in such court in any such suit or action.

Controlling Law

These Terms and the Privacy Policy will be governed and interpreted by the laws of the State of Washington, without regard to its conflict of laws provisions.

Notice to International Visitors

The Website and the servers that make them available are located in the United States of America. If you reside in another country, these Terms may conflict with the laws of your country. In the event of such a conflict, these Terms will govern to the extent that they are valid and enforceable under applicable United States laws.

We make no representation that the Website is appropriate or available for use beyond the United States of America. If you use the Website from other locations, you are responsible for compliance with applicable local laws.

Privacy

For information and notices concerning our collection and use of your Personal Information, please review our Privacy Policy. Please note that our Privacy Policy is incorporated into our Terms.

We may electronically monitor areas of the Website and may disclose any Content, logs, records, or electronic communication of any kind (a) to satisfy any law, regulation, or government request; (b) if such disclosure is necessary or appropriate to operate the Website; or (c) to protect our rights or property or our third party partners, sponsors or advertisers, service providers, licensors, or any other user of the Website.

Notices

Any notices or other communications permitted or required hereunder, must be in writing.

For clarification on or if you have any questions regarding these Terms, the Privacy Policy, the Website, or the Content or to report a violation of these Terms please contact:

Grange Insurance Association

200 Cedar Street

Seattle, WA 98121

For calls, 1-800-247-2643

Or send an e-mail to: [privacy-request@grange.com]

To obtain a copy of the Agreement and/or the Terms or Privacy Policy, you may print a copy or contact our Customer Service Center at 1-800-247-2643 from 7 a.m. to 5 p.m. PDT Monday – Friday.

Updated and effective as of: July 2020

We have updated our Privacy Policy and Terms and Conditions. By continuing to use our website, you accept these terms and policies.

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