Privacy & Legal Notice This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy issued by Northland Insurance. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy provisions, and any applicable law. Availability of coverage referenced in this document can depend on our underwriting qualifications and state regulations. Please read the following terms and conditions carefully. The terms and conditions of this disclaimer may be revised from time to time and it is the website user's obligation to read these terms and conditions. By accessing this site you agree to be bound by these terms and conditions. Laws and Regulations Access to and use of this website is subject to applicable federal, state and local laws and regulations. Copyright The content of this website is protected by copyright. All rights in the pages, site content and arrangement are owned by Northland Insurance and its subsidiaries or their licensors, if any. Website users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works of or using any website content for commercial or public purposes. Trademarks and Service Marks Trademarks, service marks and logos displayed on this website are either the property of Northland Insurance and its subsidiaries or affiliates, or licensors, if any. Website users are prohibited from using any of the trademarks, service marks and logos without the prior written consent of Northland Insurance, its subsidiaries/affiliates, or the third party owners. No Warranties Northland Insurance and its subsidiaries expressly disclaim any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential or special damages arising out of or in any way connected with any website user's access to or use of the site, whether or not Northland Insurance and its subsidiaries were aware of the possibility of such damages. Limitation of Liability All information on this website, including but not limited to graphics, text and links to other websites, is provided "as is" and is subject to change without prior notice. Such information is provided without warranty of any kind express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and freedom from computer viruses or similar disabling devices. Information on this website may include references to products or services not offered in your state or country or not available for purchase over the Internet in your state or country. Such references do not imply that Northland Insurance and its subsidiaries will make those products or services available in your state or country. The information contained on this website is not an offer to sell or a solicitation to buy any security or any insurance product. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Northland Insurance and its subsidiaries do not warrant the adequacy, accuracy or completeness of any information on this website and expressly disclaim any liability for errors or omissions therein. Website users are responsible for evaluating the accuracy, completeness or usefulness of any information, advice or other content available on this website. Other than as required by applicable consumer protection law or insurance law, under no circumstances will Northland Insurance or its subsidiaries be liable for any loss that you incur as a result of your reliance on information obtained through this website. Linked Internet Sites Northland Insurance and its subsidiaries are not responsible for the content of any other Internet sites linked to this website. A link to another site does not imply that Northland Insurance or its subsidiaries endorse that site or any products or services that it describes. Users of this website who access and/or use any other Internet sites linked to or from this website is at the users own risk and Northland Insurance and its subsidiaries do not assume any obligation or liability in connection therewith. Communications/Materials Transmitted From Website Users The substance of any communication, including but not limited to ideas or suggestions, transmitted to this website via electronic mail or otherwise by any website user will be treated as nonconfidential and nonproprietary and will become the property of Northland. Such information may be used by Northland for any purpose, including but not limited to, marketing, disclosure and posting. If there is any information that a website user would not want disclosed, such information should not be transmitted to this website. We do not give or sell our customers' personal information to others for marketing purposes. You don't have to ask us to keep your information private because we do not give your information, unless allowed.