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Terms and Conditions

Acceptance of Terms and Modifications

Thank you for choosing Grange Insurance Association (also “GIA,” “we,” “our,” or “ us”). By using and all other websites (the “Website”) owned and maintained by GIA, 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.


Website Access and Electronic Communication

The Website is controlled and operated by us from the U.S.A. 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.

The Website is intended to be used for insurance and financial products and services. Consistent with the United States Federal Children’s Online Privacy Protection Act of 1998 (COPPA), the Website is offered and made available only to visitors thirteen (13) years of age or older and certain features on this Website (including user registration, if any) may be subject to other eligibility requirements. By accessing or using the Website, you certify that you are at least thirteen (13) years of age. If you are not yet thirteen (13) years old, please discontinue using the Website immediately. 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 Materials

The Website, including text, images, audio, and video (collectively, “Content”), belong to us or others. No materials from the Website may be captured, reproduced, transferred, sold, licensed, removed, deleted, augmented, published, transmitted, uploaded, reverse engineered, edited, posted, publicly displayed, linked, or distributed or exploited by any other means, unless otherwise expressly permitted in writing by us.

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

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.

Prohibitions and Rights

In connection with the acknowledgement of 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.


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.


Our affiliated companies are Grange Insurance Association and Granwest Property & Casualty. 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 GIA and Granwest Property & Casualty (“Granwest”). 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 the online payment service, you must have an eligible bank account and an online password. The online password will allow you to initiate online premium payments for your policy. This password can be changed. We and Granwest recommend that you change your password regularly. We and Granwest 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 and account data confidential.

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 and Granwest. You agree and acknowledge that we and/or Granwest are not liable or responsible for any system failure, misdirection of your payment, or any system error that was beyond our and/or Granwest's 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 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 and/or Granwest reserve the right to terminate this Agreement and your access to initiate online payments, in whole or in part at any time. We and/or Granwest may assign this Agreement to any now-existing or future direct or indirect subsidiary or affiliate. We and/or Granwest may also assign or delegate certain rights and responsibilities under this Agreement to independent contractors or other third parties.

We and Granwest 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 and Granwest 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.


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.



To clarify, 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 we 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.

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.


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.

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 GIA 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.

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 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 GIA. 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.


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.


For information and notices concerning our collection and use of your personal information, please review our Privacy Policy. Please note that this Privacy Policy is a legally-binding part of these 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.


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

To obtain a copy of this Agreement and/or the Terms and Conditions, 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.