Important Legal Information
Copyright ©2000-2005, Tower Hill Insurance Group, Inc. (hereinafter
"Tower Hill"). All rights reserved. No implied license to reproduce
content is granted.
We cannot guarantee the availability of
our site since many factors beyond our control may affect your ability
to access the site. Tower Hill products and services are available
only in those jurisdictions where Tower Hill is authorized by law to
promote or sell them.
Tower Hill Preferred Insurance Company,
Tower Hill Select Insurance Company, Tower Hill Prime Insurance Company,
and Omega Insurance Company are domiciled and have their principal place
of business in Gainesville, Florida. Tower Hill Insurance Group, Inc.
is a Florida company based in Gainesville, Florida, and is licensed as
a Managing General Agent. Tower Hill Claims Service, Inc. is a Florida
company based in Gainesville, Florida. Tower Hill Claims Management,
Inc. is a Kentucky company based in Lexington, Kentucky.
This document outlines the Terms and Conditions relating to your use of
thig.com. By using thig.com in any manner and regardless of how you
accessed it, you agree to all terms and conditions contained or referenced
in these Terms of Use. These Terms of Use apply only to your use of
thig.com and do not change or alter any other agreement or contract between
you and Tower Hill or any of its affiliates or insurance companies it represents.
Tower Hill reserves the right, in its sole discretion, to modify or change
these Terms of Use at any time without prior notice to you. Your continued
use of thig.com constitutes acceptance of those changes. If you choose not
to accept these Terms of Use, please do not use this website or send e-mail
to any Tower Hill e-mail address.
Our Privacy Statement describes our use and protection of nonpublic personal
information and will tell you how Tower Hill treats your information. We
encourage you to read our
Privacy Statement.
The Tower Hill computer network and this website are the private property
of Tower Hill. The information on this website, including but not limited
to text, graphics, software, audio, video, and files, is the property of
Tower Hill and is protected under United States and worldwide copyright
laws and treaty provisions. Please contact Tower Hill to seek permission
to copy such materials or for any other use. Nothing in Tower Hill's
policy is intended to grant any right to use the Tower Hill website or
send e-mail to, or through, the Tower Hill computer network.
The phrase "Whatever Tomorrow Brings, Your Dreams Are
Safe With Us," as well as all logos and graphics using the Tower Hill name,
are the intellectual property of and/or federally registered trademarks and/or
service marks owned by Tower Hill.
The Internet is not completely secure. We have taken reasonable steps to
secure your information, though Tower Hill cannot prevent interception of
your information. You are responsible to maintain the security and
confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE.
To maximize security of your password, you should choose your password
carefully. Your password should be 6 - 12 characters in length, must have
at least one letter and one number in the password, and you should avoid
using something that someone may guess easily, such as your own or a family
member's name, birthdate, etc. You should memorize your password and not
give it to anyone. You should also change your password frequently.
Tower Hill will not ask you for your password. If you believe your password
has been compromised, change your password immediately and contact Tower Hill.
Some parts of this website may require authorization for access. Unauthorized
access to these areas is prohibited and may result in criminal and civil
prosecution. We may view, monitor and record any such attempts to access
unauthorized areas and may give such information as necessary to law enforcement
personnel.
You may not use this site to engage in any illegal activity. Tower Hill prohibits
use of e-mail or this website if it is intended to, or appears to harass, libel,
humiliate, embarrass, threaten, or defame any person, or if the e-mail or use is
discriminatory, pornographic, indecent, or offensive on the basis of sex, color,
national origin, race, age, religion, sexual orientation, disability or other
illegal classification. You may not use this site in any activity that infringes
on a third party's intellectual property or other proprietary rights.
Tower Hill prohibits any bulk e-mails to be sent to Tower Hill e-mail addresses.
The word "bulk" shall mean an e-mail message, or group of e-mail messages,
sent to more than 10 different Tower Hill e-mail addresses in any 24-hour period.
This prohibition includes specifically, but is not limited to: (1) solicitations
for funds or donations; (2) political or religious messages; (3) informational
announcements; or (4) commercial advertising.
Tower Hill prohibits the harvesting or collection of the e-mail addresses of
Tower Hill agents and representatives from the Tower Hill web site for the
purpose of sending bulk e-mail to Tower Hill agents or representatives.
Tower Hill reserves the right to take all legal actions available, including
civil and criminal prosecution, to prevent violation of theses Terms. Please
be advised that no statements, actions or inactions by Tower Hill, or anyone
acting on its behalf, relating to this Internet site, or our failure to
enforce the Terms of this policy in every instance should be construed as a
waiver of any rights by Tower Hill.
Any coverage descriptions provided on this site are general descriptions
and do not form part of your insurance policy. To obtain coverage you
must submit an application to a Tower Hill agent, which is subject to
underwriting approval. For information about products, services or
coverage selections offered by Tower Hill, please contact a Tower Hill agent.
You may not report a claim online at this website. Please call our claims
phone number at (800) 216-3711.
Tower Hill will allow other companies to link their website to Tower Hill's
website. However, the linking company must notify us at 1-800-509-1592 so
that we may anticipate any large rise in the number of hits to our site.
The linking company may direct a browser to Tower Hill's "home page" only.
However, Tower Hill does not grant anyone the right to reproduce, modify,
cache or archive Tower Hill content for any purpose or on the linking site.
Tower Hill may revoke this license immediately for any reason without cause.
Tower Hill may provide links to other internet websites. Tower Hill does
not sponsor or endorse the other sites or their materials, and these sites
are not affiliated with Tower Hill in any way. Tower Hill is not
responsible for the contents or the privacy policies of any link and makes
no warranties or representations about the contents, products or services
offered on such sites. We encourage you to read the privacy policies of
every website you visit, as they may vary from Tower Hill's. Our Privacy
Statement applies solely to this website.
TOWER HILL MAY CHANGE THE PROGRAMS OR PRODUCTS ON THIS WEBSITE AT ANY TIME
WITHOUT PRIOR NOTICE. TOWER HILL IS UNDER NO OBLIGATION TO MAINTAIN THE
TOWER HILL WEBSITE, PROVIDE OR UPDATE TOWER HILL CONTENT OR OTHERWISE
SUPPORT ANY LINK TO THE TOWER HILL WEBSITE. ALL INSURANCE PRODUCTS ON
THIS WEBSITE ARE SUBJECT TO AVAILABILITY, QUALIFICATIONS, AND STATE AND
FEDERAL LAW. NOTHING IN THIS WEBSITE SHALL BE CONSTRUED AS AN ADVERTISEMENT
IN ANY JURISDICTION WHERE TOWER HILL OR ITS AFFILIATES ARE NOT LICENSED TO
SELL INSURANCE. INSURANCE PRODUCT TERMS, CONDITIONS, AND EXCLUSIONS NOT
DESCRIBED IN THIS WEBSITE ALSO APPLY.
THIS WEBSITE IS PROVIDED ON AN "AS IS" BASIS. TOWER HILL MAKES NO
REPRESENTATIONS OR WARRANTIES REGARDING THE TOWER HILL WEBSITE OR ANY
INFORMATION, SERVICES, MATERIALS, SOFTWARE, CALCULATORS OR OTHER ITEMS
OR OTHER OPERATIONS ON THIS SITE. TOWER HILL DISCLAIMS ALL WARRANTIES,
EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
TOWER HILL DISCLAIMS LIABILITY, WHETHER BASED IN CONTRACT, TORT, STRICT
LIABILITY OR OTHERWISE, FOR DAMAGES OF ANY KIND (INCLUDING, BUT NOT
LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL,
PUNITIVE OR EXEMPLARY DAMAGES) IN ANY WAY, DIRECTLY OR INDIRECTLY,
ARISING OUT OF THE USE OR PERFORMANCE OF THE INFORMATION, SERVICES,
MATERIALS, SOFTWARE, CALCULATORS OR OTHER ITEMS OF THIS WEBSITE, EVEN
IF TOWER HILL IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
This website and the Terms of Use shall be governed by and interpreted
according to the laws of the State of Florida without respect to any
conflict of laws provisions. If any provision of these Terms of Use is
held invalid, void or unenforceable, then that provision will be considered
severable from the remaining provisions, and the remaining provisions shall
remain in full force and effect. We do not represent or warrant that
materials on this website are appropriate for use outside of the United
States of America.
