Notice:

Please read the following terms and conditions carefully. They govern your use of the Travelers Property Casualty ("Travelers") internet web sites (collectively, "Site"). If you do not agree to these terms and conditions, do not access the web site or any of its pages. The terms and conditions are subject to updating at any time without prior notice. Updating may include superseding terms and conditions or specific notices. You should revisit the Site to review these terms and conditions from time to time to be aware of any changes, all of which take effect when posted to the Site.

Laws and Regulations

Access to and use of this Site are subject to applicable federal, state and local laws and regulations.

Copyright

All of the information on this Site, including but not limited to all text, graphics, software applications, video and audio files and photos (collectively, "Content"), and all rights in the pages and the screens displaying the pages are owned by Travelers Property Casualty Corp., its subsidiaries and affiliates or its or their licensors, protected by copyright under United States and foreign laws. You may print and use the Content for your personal, non-commercial use only, provided that your copies retain all copyright, trademark and other proprietary notices that appear on the original screens. You may not modify, reproduce, copy, distribute, transmit, display, publish, sell, license, create derivative works of or use any aspect of the Site or its Content for commercial or public purposes or for any other purpose not expressly permitted by this Agreement. Travelers expressly prohibits use of the Content on any other web site or in a networked computer environment for any purpose, or any other redistribution or republication of the Content, including, without limitation, framing the Content within another web site without Travelers' prior written consent.

Trademarks and Service Marks

As used herein, "Travelers" means Travelers Property Casualty Corp. and its subsidiaries and affiliates. The trademarks, service marks, logos, URLs and domain names ("Marks") appearing on the Site are the property of Travelers and other third parties. Users may not use, copy, download or display any of the Marks without the prior written consent of Travelers or the third party owners of such Marks.

LIMITATION OF LIABILITY

TRAVELERS EXPRESSLY DISCLAIMS ANY LIABILITY, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THE USE OF OR INABILITY TO USE THIS SITE OR ANY OTHER WEB SITE LINKED TO THIS SITE, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, OR DELAY IN OPERATION OR TRANSMISSION, ANY COMPUTER VIRUS OR ANY LINE FAILURE, EVEN IF TRAVELERS IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.
NO WARRANTY
ALL INFORMATION ON THE SITE, INCLUDING BUT NOT LIMITED TO GRAPHICS, TEXT AND LINKS TO OTHER SITES, IS PROVIDED "AS IS" AND "AS AVAILABLE" AND IS SUBJECT TO CHANGE WITHOUT PRIOR NOTICE. TRAVELERS DOES NOT WARRANT THE QUALITY, CONDITION, ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION. TRAVELERS EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION WHICH 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. YOU ARE RESPONSIBLE FOR EVALUATING THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, ADVICE OR OTHER CONTENT AVAILABLE ON THE SITE. OTHER THAN AS REQUIRED BY APPLICABLE CONSUMER PROTECTION LAW OR INSURANCE LAW, UNDER NO CIRCUMSTANCES WILL TRAVELERS BE LIABLE FOR ANY LOSS THAT YOU INCUR AS A RESULT OF YOUR RELIANCE ON INFORMATION OBTAINED THROUGH THE SITE.
The information and materials contained in the Site, including the product terms, conditions, and descriptions that appear, are subject to change. Unless otherwise specified, products and services are available in the United States only. Information on the Site 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 Travelers will make those products or services available in your state or country.
Your eligibility for particular products and services is subject to final determination of underwriting qualifications and acceptance by the Travelers entity providing such products or services.
Travelers may terminate, change, suspend or discontinue any aspect of the Site, including the availability of any features of the site, at any time. Travelers may also impose limits on certain features and services or restrict your access to all or part of the Site without notice or liability. Travelers may terminate the access and usage authorization, rights and licenses given herein and, upon such termination, you shall immediately cease use of the Site and destroy all copies of site Content in your possession.

Linked Internet Sites

As a convenience to you, Travelers may provide links to third party web sites, or permit third parties to link to this site. However, Travelers is not responsible for the content of any other web sites linked to the Site. A link to or from another site does not imply an affiliation between Travelers and the third party site owner or an endorsement of the third party site or any products or services that it describes. Your access to and use of any other Internet sites linked to or from this Site is at your own risk and Travelers assumes no obligation or liability in connection therewith. Travelers may cancel any link at any time and will remove any link from this Site at the third party site owner's request. Travelers does not permit others to create links to its Site without entering into a license agreement or obtaining Travelers prior written consent.

Security

For certain types of communications through this Site, Travelers may require the use of encryption technologies provided for your protection and/or require you to use user identification information ("userIDs") and passwords. You are responsible for protecting your userIDs and passwords from disclosure to third parties and you are not permitted to avoid the use of required encryption technologies. While Travelers may provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, we do not guarantee or warrant that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception or error.

Submissions

All information submitted to Travelers via this Site shall be deemed and remain the property of Travelers and Travelers shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides to Travelers through this Site. Travelers shall not be subject to any obligations of confidentiality regarding such information except as expressly indicated with respect to personally identifiable consumer information in any consumer Privacy Statement(s) contained within the Site, agreed by the Travelers entity having the direct customer relationship with the person providing the information or otherwise specifically agreed in writing or required by law. You further recognize that Travelers does not want you to provide, and prohibits you from providing any information or materials to Travelers that are defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporate the proprietary material of another person or entity.

International Users And Choice Of Law

This Site is controlled, operated and administered by Travelers from offices within the United States of America. Travelers makes no representation that materials at this Site are appropriate or available for use at other Filenames outside of the United States and access to them from territories where their contents are illegal is prohibited. You may not use the Site or export the materials in violation of U.S. export laws and regulations. If you access this Site from locations outside of the United States, you are responsible for compliance with all local laws. This Usage Agreement shall be governed by the laws of the United States and of the State of Connecticut, without giving effect to its conflict of laws provisions.
This Agreement constitutes the entire agreement between Travelers and you with respect to your use of the Site. Any cause of action you may have with respect to your use of the site must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of the Agreement or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of the Agreement, and the remainder of this Agreement shall continue in full force and effect.

Privacy Policy

The Travelers Privacy Statements are listed below:

• Travelers Property Casualty Privacy Statement

Children's Privacy Statement

This Children's Privacy Statement addresses Travelers' practices with respect to the online collection and use of any personal information from children under the age of thirteen. This Children's Privacy Statement provides important information on your rights under federal law with respect to such information.

• Travelers does not knowingly collect personally identifiable information from children under the age of thirteen. If Travelers becomes aware of the inadvertent receipt of personally-identifiable information from a user under the age of thirteen, Travelers will delete such information from its records. If Travelers changes practices in the future, Travelers will obtain prior, verifiable parental consent before collecting any personally identifiable information from children under the age of thirteen.
• Because Travelers does not collect any personally identifiable information from children under the age of thirteen, Travelers does not knowingly distribute such information to third parties.
• Travelers does not knowingly allow children under the age of thirteen to publicly post or otherwise distribute personally identifiable contact information.
• Because Travelers does not collect any personally identifiable information from children under the age of thirteen, Travelers does not condition the participation in online activities of a child under thirteen on providing personally identifiable information.
• If Travelers receives personally identifiable information regarding a child of any age in connection with an application for an or investment product or from an existing Travelers customer where Travelers has no reason to believe that the user providing the information is not an adult, Travelers may retain such information for use in responding to or processing the user's request and for the ordinary purposes necessary to servicing its customer, subject to the applicable Travelers Property Casualty Privacy Statement.

©2008 The Travelers Companies, Inc.