Policyholder Terms and Conditions for Use of this Site

Terms and Conditions for Use of this Site

Your use of this site is expressly conditioned on your acceptance of the following Terms and Conditions. If you do not agree with any part of these Terms and Conditions, you must not use this site.

Fremont reserves the right to modify these usage terms at any time. Continued use of this site by you will constitute your acceptance of any revisions to the Terms and Conditions. It is recommended that you check this page on a regular basis.

Illegal Activity

You may not use this site to engage in any illegal activity. You may not use this site to engage in conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party's intellectual property or other proprietary rights. You agree that any information you provide through this site will be truthful and accurate.

Copyright Infringement

Except where otherwise indicated, all materials contained in this Web site, including the Fremont logo, are the copyrighted property of Fremont Insurance Company. Permission is hereby granted to use, copy and distribute these materials as presented in this Web site and without alteration for non-commercial purposes only; provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.

Except as set forth above, you shall not: (a) use any portion of this Web site, or any other intellectual property of Fremont Insurance Company, on any other Web site, in the source code of any other Web site, or in any other printed or electronic materials; (b) modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this Web site's content within any other Web site without our prior written permission; or (c) retrieve data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database or directory, without Fremont’s prior written permission.

Links to Other Sites

For your convenience, we have added links to other Internet Web sites ("Third-party Sites") that are not owned or maintained by Fremont. We make no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third-party Sites. Fremont recommends that you take the time to read the privacy policies and user agreements of these sites.

Privacy Policy

Fremont recommends that you review our Privacy Policy which also governs your access to this site. Fremont reserves the right to revise or modify its Privacy Policy so you should periodically review this policy as well.

Password Registration

Some portions of this web site are restricted to our policyholders and require a user identification code ("User ID") and a password for access. Unauthorized use of or access to this web site is strictly prohibited and may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas.

If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. Fremont will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, you should contact us. We will not be responsible if you do not properly secure your password or if you choose to share your password with anyone else.

For authorized users, you agree that:

Fremont may act on instructions received under your User ID and password.
Fremont is not liable for any unauthorized access to your personal information that is not the direct result of gross negligence or intentional misconduct on the part of Fremont.
You will keep your password confidential and you will notify Fremont immediately if you believe someone else has obtained your User ID and password or any unauthorized access to the online service site has occurred or may occur.
Fremont may block access to the online service site without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons.

Other Agreements

These "Terms and Conditions" apply to your use of this site and do not change or alter any other contract or agreement between you and Fremont.

Disclaimer of Warranty

The content and materials on this site are provided "as is" and without representations or warranties of any kind, either express or implied. Fremont expressly disclaims all warranties, express or implied, with respect to this site including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement. Fremont does not warrant or represent that the functions or operation of this site will be uninterrupted or error-free, that defects will be corrected, or that this site, its servers or any e-mail sent from Fremont are free of viruses or other harmful components.

Limitation of Liability

Fremont shall not be liable for any injury, loss, claim, or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, which arises out of (a) the use of, or inability to use, this site or content found in this site, or (b) unless resulting from the gross negligence or intentional actions of Fremont, the unauthorized access to or alteration of your transmissions or data, even if Fremont has been advised of the possibility of such damages.

Applicable Law

Fremont is a Michigan exclusive insurer. Use of this site shall be governed by and construed in accordance with the laws of the State of Michigan without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Newaygo County, Michigan.

Severability of Terms

Should any provision of these Terms and Conditions be held invalid, unlawful or for any reason unenforceable, then such provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

Your E-Mail

We welcome your comments or questions and we have provided an e-mail box for that purpose. We will share your comments and questions with our customer service representatives and those employees most capable of addressing your questions and concerns.

Please note that while in transit to us, your e-mail, like most non-encrypted Internet communications, may be accessed and viewed by other Internet users, without your knowledge and permission. To protect your privacy, please do not use e-mail to communicate information to us that you consider confidential. Instead, you may contact us at the phone numbers provided on this site.

We will not sell or distribute your email address. At some point in time, we may advise you of other products and services via email. We will give you the opportunity to opt out of receiving this information via email.

Other Information; "Cookies"

You should also be aware that when you visit our website, we collect certain information that does not identify you personally, but provides us with “usage data,” such as the number of visitors we receive or what pages are visited most often. This data helps us to analyze and improve the usefulness of the information we provide.

Like most commercial website owners, we may also use what is known as “cookie” technology. A “cookie” is a data segment that a website can send to your browser when you link to that website. It is not a computer program and it has no ability to read data residing on your computer or to instruct it to perform any step or function. By assigning a cookie to each visitor, the website is able to recognize repeat users, track usage patterns and better serve you when you return to that site. The cookie does not extract other personal information about you, such as your name or address. Most browsers enable you to control whether you want to receive cookies by notifying you when a website is about to deposit a cookie file.

Security Measures

Fremont has adopted and adheres to stringent security standards designed to protect non-public personal information at fmic.com against accidental or unauthorized access or disclosure. Our Web servers have been enabled with Secure Sockets Layer (SSL) technology to prevent unauthorized parties from viewing personal information provided to Fremont during a secure session.

All secure pages on our Web site have been issued a digital certificate by Secure Server Certification Authority. You can view this digital certificate affirming the security of our site by clicking on the image of the closed lock at the bottom of your browser window. A small frame displaying our site's security information will appear. Click on "Certification Path" to verify that you are on the Fremont site.

We restrict access to your personal information to our employees, or others who need to know that information to service your account. We maintain strict physical, electronic, and procedural safeguards to protect your personal information.