Your use of this website is subject to the terms and conditions set forth in this Website Use Agreement ("Agreement") between you and Columbia Mutual Insurance Company and its affiliates and subsidiaries (collectively referred to herein as "Columbia Insurance Group", "we", "us" or "our"). Please read this entire Agreement carefully before accessing this website or any of the material contained therein.

BY ACCESSING THIS WEBSITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH IN THIS AGREEMENT. DO NOT CONTINUE TO ACCESS OR USE ANY PART OF THIS WEBSITE IF YOU DO NOT ACCEPT THE TERMS AND CONDITIONS IN THIS AGREEMENT.

We have the right to modify the terms and conditions of this Agreement at any time simply by posting the changes on this website. Your use of this website after changes are posted shall constitute acceptance of these changes.

Availability and Description of Products and Services

We offer our insurance products and services only in states in which Columbia Insurance Group has a company appropriately licensed or authorized to transact such business. Descriptions of our products and services is provided for informational purposes only and shall not be construed as an offer to sell or otherwise solicit the products or services. The descriptions of our products and services are general in nature and any insurance coverage provided is subject to the specific terms, conditions, provisions and exclusions of the policies issued.

Restrictions of Use of Materials

Unless otherwise noted, copyright of this website and all material included therein is owned by Columbia Insurance Group. You may not copy, reproduce, download, upload, distribute, circulate or transmit, in any form or by any means, any part of this website or its contents without the written permission of Columbia Insurance Group. All trademarks, services marks, trade names and logos are proprietary to us and your use of such as displayed on this website is strictly prohibited.

Links to Other Sites

For your convenience and information only, this website may provide links to other sites. Because we do not maintain or control these sites, we expressly disclaim responsibility for the content of such sites. Inclusion of links in this website should not be construed as our endorsement of or affiliation with such websites.

Disclaimer

Despite our good faith efforts to compile the contents of this website, we make no representations or warranties as to the completeness or accuracy of this website or its contents as it is possible that the information provided herein is incomplete, erroneous or out of date.

THIS WEBSITE AND ITS CONTENTS ARE PROVIDED "AS IS" AND, TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL EXPRESS AND IMPLIED WARRANTIES OF ANY KIND WITH REGARD TO THIS WEBSITE AND ITS CONTENTS INCLUDING, WITHOUT LIMITATION, ALL WARRANTIES OF MERCHANTIBILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT OR REPRESENT THAT THIS WEBSITE OR ITS CONTENTS WILL BE PROVIDED FREE FROM ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS AND YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE ACCURACY OR RELIABILITY OF THE WEBSITE OR ITS CONTENTS AND YOUR USE OF THIS WEBSITE AND ITS CONTENTS SHALL BE AT YOUR SOLE RISK. WE DISCLAIM LIABILITY FOR ANY DAMAGES RESULTING FROM YOUR USE OR MISUSE OF THIS WEBSITE OR ITS CONTENTS.

Governing Law
This Agreement shall be governed by and construed in accordance with the laws of the State of Missouri without regard to conflicts of laws provisions. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to this Agreement shall be an appropriate state or federal court located in the State of Missouri.

Enforceability
If any provision of this Agreement is found to be unenforceable by any court of competent jurisdiction, that provision shall be enforced to the maximum extent permissible so as to affect the intent of this Agreement and the remainder of this Agreement shall remain in full force and effect.