Web Site Usage Agreement Terms and Conditions

This page sets forth the terms and conditions under which The Travelers Companies, Inc. ("Travelers," or "we") provide the information on this web site, as well as the terms and conditions governing your use of this site. By making use of this web site, you agree to be bound by the terms and conditions that appear here. The terms and conditions are subject to updating at any time without notice. If at any time you do not accept the terms and conditions, do not access the web site or any of its pages. Changes to the terms and conditions take effect when posted to the web site.

We may terminate, change, suspend or discontinue any aspect of the web site, including the availability of any features of the web site, at any time.

Laws and Regulations

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

Submissions

All information that you submit to Travelers via this web site shall be deemed and remain the property of Travelers. We 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 us through this web site. We shall not be subject to any obligations regarding such information except as expressly indicated with respect to personally identifiable consumer information in any consumer Privacy Statement(s) contained within the web site, agreed to by the Travelers company having the direct customer relationship with the person providing the information or otherwise specifically agreed to in a separate writing or required by law. You further recognize that we do not want you to provide, and prohibit you from providing any information or material to Travelers that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another person or entity.

UserID/Password Use

While we cannot guarantee that information transmitted through the Internet is secure, for certain types of communications through this web site, Travelers may require the use of available technologies or other precautions provided for your protection and/or require you to use user identification information ("userIDs") and passwords. If you have been assigned a userID for access to restricted sections of this site, you are responsible for all activities executed under your userID and are the only one who may use it. 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. It is a violation of these terms and conditions for you to allow another person to use your userID and its associated passwords, use the userID and password assigned to another person, or attempt to gain access to resources for which you are not authorized. Accessing a computer without authorization or exceeding authorized access is a serious breach of security and may constitute a criminal act.

Warranty & Liability - Disclaimer

Travelers specifically disclaims all warranties with respect to this web site or your use thereof. All information on the web site, including but not limited to graphics, text and links to other sites, is provided "as is" and "as available" and may be changed without prior notice. We do not warrant the content, quality, condition, accuracy, adequacy or completeness of this information. Other than as required by applicable consumer protection law or insurance law, if any, in no event will Travelers be liable for errors or omissions in this information or for any losses or damages, direct, indirect, incidental, special or consequential resulting from your use or misuse of, or reliance on, any such information. The 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. You are responsible for evaluating the accuracy, completeness or usefulness of any information, advice or other content available on this web site

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 your 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, virus, defect, or delay in operation or transmission, even if we are aware.

Copyright Policy

All of the information on this web site, including 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 and subsidiaries or affiliated entities or their licensors, protected by copyright under United States and foreign laws. Appointed agents and brokers in good standing with Travelers may use and reproduce copies of this web site and its Content to conduct the authorized business of Travelers. If you are not an appointed agent or broker in good standing, you may refer to, cite or print and use the Content for your personal, non-commercial use as long as 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 web site or its Content for commercial or public purposes or on any other web site or in a networked computer environment or engage in any other redistribution or republication of the Content. You may create a text link to the home page of our web site at www.travelers.com for legitimate business reasons on the condition that it is clear to the users that they are exiting your site and entering a new site, you do not frame or in-line our web site or its Content, and you do not create a false association or endorsement or otherwise misrepresent your relationship with Travelers.

Trademarks

Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the US and other countries. Other trademarks, service marks, trade names, logos, URLs, domain names and icons ("Marks") appearing on this site, whether registered or not, are owned by Travelers or its subsidiaries or affiliated entities, or their licensors. Nothing on this web site grants you any right or license to use any of the Marks without the express written permission of Travelers or the third party owners of such Marks.

Hypertext Links To Third Party Sites

As a convenience to you, Travelers may provide links to third party web sites, or permit third parties to link to this web site. Because these other web sites are not under our control, we cannot guarantee the quality, accuracy, timeliness or security of those web sites. A link to or from another web 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 web site is at your own risk and we assume no obligation or liability in connection therewith. We may disable a link at any time and will remove any link from this web site at the third party site owner's request.

Products and Services - Disclaimer

Please note that none of the information contained in this web site should be viewed as an offer to sell or as a solicitation to purchase any of our products or services. Rather, the information on our products and services is provided to you so that you can learn what products Travelers companies generally offer. We may make improvements and/or changes in the products, services and/or programs described on this site at any time without notice.

Insurance coverage statements on this web site are for general description purposes only. This web site does not amend, modify or supplement any insurance policy. Consult the actual policy, your agent or contact us for the name of an agent who can supply you with details regarding terms, conditions, coverages, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to final determination of underwriting qualifications and acceptance by the Travelers underwriting company providing such products or services.

Further, this web site does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any such policy. Whether coverage exists or does not exist for any particular claim or loss under any such policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Unless otherwise specified, products and services are available in the United States only. Information on the web 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. Variations in state law regarding the interpretation of insurance policies may exist, and any statements of coverage scope or intent in this summary are general in nature and are subject to change based on such variations. Availability of coverage referenced in this summary may be dependent upon state regulations.

Information for web users

When you visit travelers.com, we gather non-personally identifiable information about your visit, including data such as the internet address of your computer, the type of browser you are using and which web pages referred you to our website. We collect this information so that we can analyze the use of our website and improve our services and your experience. For example, we may use this information to tell you about similar products or services that might be of interest to you.

We use cookies and other similar technologies to help improve travelers.com. Cookies are small files that are stored on your computer. Travelers does not store any personally identifiable information about you in these cookies. Cookies help us track visits to our website and learn more about how you are viewing and using our site. This allows us to personalize your experience when you return.

In addition to helping us provide you with a better web experience, cookies allow us to enhance our online advertising. We contract with online advertising companies ("Ad Companies") to serve our advertisements on third party websites. When you view our advertisements, we may use cookies or other technologies to collect and transmit information about your activity to us or our Ad Companies. We may use this information to measure and manage our marketing efforts.

Our Ad Companies may use non-personally identifiable information about your visits to various websites to provide ads about goods and services of interest to you. In addition, we may share website usage information with our Ad Companies to manage and target ads and for market research. We and our Ad Companies may track some of the pages you visit on our site through cookies and other technologies.

It is possible to opt out of third party advertising programs by visiting the Network Advertising Initiative or Self-Regulatory Principles for Online Behavioral Advertising.

You can choose to have your browser warn you each time a cookie is delivered to you, or you can choose to reject all cookies delivered through your browser. You can do this by changing the security settings on your browser. Additionally you may disable conversion tracking by setting your browser to block cookies from the Travelers.com domain. For instructions on how to modify these settings on your computer, refer to your browser documentation in the "Help" menu. Please note, if you choose to reject cookies, you may not have an optimal experience on our website, as some features will not work properly.

Some areas of Travelers.com have been designed to support popular social media websites. Similar to our advertising partners, some of these sites may collect tracking data by leveraging cookies. Travelers does not directly supply social media sites with any personal information.

Travelers does not control the privacy policies of our advertising and social media partners. Please visit the sites of these businesses to review their privacy policies.

International Users & Choice of Law

This web site is controlled and operated by Travelers from offices within the United States of America. We make no representation that materials at this web site are appropriate or available for use at other Filenames outside of the United States or that access to their content from all territories is legal. You may not use the web site or export the web site materials in violation of U.S. export laws and regulations. If you access this web 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 Minnesota, without giving effect to its conflict of laws provisions. This Agreement constitutes the entire agreement between you and Travelers with respect to your use of the web site.

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TRAVELERS ACCIDENT HELP - TERMS AND CONDITIONS

(END USER LICENSE AGREEMENT)

THIS END-USER LICENSE AGREEMENT ("AGREEMENT") SETS FORTH THE TERMS AND CONDITIONS UNDER WHICH THE TRAVELERS INDEMNITY COMPANY ("TRAVELERS" OR "WE") MAKES THE LICENSED APPLICATION KNOWN AS "TRAVELERS ACCIDENT HELP" AVAILABLE, AS WELL AS THE TERMS AND CONDITIONS GOVERNING YOUR USE OF THE LICENSED APPLICATION.

THE TERM "LICENSED APPLICATION" INCLUDES THE SOFTWARE ITSELF, THE UPDATES OR MODIFICATIONS TO THE SOFTWARE (IF ANY) THAT WE PROVIDE, AND ANY AND ALL ONLINE AND ELECTRONIC DOCUMENTATION, ASSOCIATED MEDIA, PRINTED MATERIALS AND OTHER ASSOCIATED MATERIALS. THE TERM "LICENSED APPLICATION" ALSO INCLUDES, WHERE APPLICABLE, ADDITIONAL CLIENT-RESIDENT SOFTWARE, SCRIPTS, COMPUTER CODE AND ANY OTHER COMPONENTS OF THE LICENSED APPLICATION PROVIDED BY TRAVELERS IN ITS SOLE DISCRETION.

YOU ARE SOLELY RESPONSIBLE FOR ANY AND ALL TELECOMMUNICATIONS OR OTHER CONNECTIVITY CHARGES INCURRED THROUGH YOUR USE OF THE LICENSED APPLICATION.

BY DOWNLOADING, INSTALLING, OR USING THIS LICENSED APPLICATION, YOU ACCEPT, EXPRESSLY CONSENT AND AGREE TO BE LEGALLY BOUND TO THE TERMS OF THIS AGREEMENT. THIS AGREEMENT IS SUBJECT TO UPDATING AT ANY TIME WITHOUT NOTICE, AT TRAVELERS SOLE DISCRETION. IF AT ANY TIME YOU DO NOT ACCEPT ANY OF THE TERMS OF THIS AGREEMENT, DO NOT ACCESS THE LICENSED APPLICATION OR ANY OF ITS FEATURES. CHANGES TO THIS AGREEMENT TAKE EFFECT WHEN POSTED BY TRAVELERS. THIS AGREEMENT IS BETWEEN YOU AND TRAVELERS, NOT ANY THIRD PARTY. TRAVELERS IS SOLELY RESPONSIBLE FOR THIS LICENSED APPLICATION AND THE CONTENT THEREOF. TO THE EXTENT, IF ANY, THAT THIS AGREEMENT CONTAINS ANY REPRESENTATIONS OR WARRANTIES, SUCH REPRESENTATIONS OR WARRANTIES ARE MADE BY TRAVELERS AND NOT ANY THIRD PARTY. TO THE EXTENT, IF ANY, THAT YOU MAKE ANY CLAIM WITH REGARD TO THE LICENSED APPLICATIONS OR YOUR USE OF THE LICENSED APPLICATION, SUCH CLAIM SHALL BE MADE AGAINST TRAVELERS. IF YOU DO NOT COMPLETELY AGREE WITH THE TERMS OF THIS AGREEMENT, YOU ARE NOT PERMITTED TO DOWNLOAD THIS LICENSED APPLICATION OR USE IT IN ANY MANNER. IN CONSIDERATION OF TRAVELERS PROVIDING YOU ACCESS TO AND USE OF THIS LICENSED APPLICATION, THE SUFFICIENCY OF WHICH CONSIDERATION IS HEREBY AGREED TO BY YOU AND TRAVELERS, THE PARTIES FURTHER AGREE AS FOLLOWS:

  1. Limited Use License: This license granted to you for the Licensed Application by Travelers is limited to a non-transferable license to use the Licensed Application on any mobile device that you own or control and as permitted by the Usage Rules set forth in Section 9.b. of the App Store Terms and Conditions (the "Usage Rules"). This license does not allow you to use the Licensed Application on any mobile device that you do not own or control, and you may not distribute or make the Licensed Application available over a network where it could be used by multiple devices at the same time. You may not rent, lease, lend, sell, redistribute or sublicense the Licensed Application. You may not copy (except as expressly permitted, if at all, by this Agreement and the Usage Rules), decompile, reverse engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of the Licensed Application, any updates, or any part thereof (except as and only to the extent any foregoing restriction is prohibited by applicable law or to the extent as may be permitted by the licensing terms governing use of any open sourced components included with the Licensed Application). Any attempt to do so is a violation of the rights of Travelers and its licensors. If you breach this restriction, you may be subject to prosecution and damages. You may not use this Licensed Application in any anti-competitive manner, for any purpose which would be contrary to Travelers business interest or to Travelers actual or potential economic disadvantage in any aspect. All rights not specifically and expressly granted under this Agreement are reserved by Travelers. This Licensed Application is licensed, not sold. Your license confers no title or ownership in this Licensed Application and should not be construed as a sale of any rights in this Licensed Application. The terms of the Agreement will govern any upgrade provided by Travelers that replace or supplement the original Licensed Application, unless such upgrade is accompanied by a separate license in which case the terms of that license will govern. We may terminate, change, suspend or discontinue any aspect of the Licensed Application, including the availability of any features of the Licensed Application, at any time.
  2. Copyright & Trademarks. All of the information provided by Travelers in the Licensed Application, including, without limitation, 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 or its licensors, and are protected by copyright under United States and foreign laws. You may refer to, cite or print and use the Content for your personal, non-commercial use as long as 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 Content for commercial or public purposes or on any networked environment or engage in any other redistribution or republication of the Content. Trademarks, service marks, trade names, logos, URLs, domain names and icons ("Marks") appearing in the Licensed Application or Content, whether registered or not, are owned by Travelers and its subsidiaries or affiliated entities or their licensors. Nothing in this Agreement or in the Licensed Application grants you any right or license to use any of the Marks without the express written permission of Travelers or the third party owners of such Marks. This Licensed Application contains certain licensed materials, and Travelers licensors may also protect their rights in the event of any violation of this Agreement.
  3. Consent to Use of Data: You agree that Travelers may collect and use technical data and related information, including but not limited to technical information about your device, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support and other services to you (if any) related to the Licensed Application. Travelers may use this information to improve its products or to provide services or technologies to you.

    All information that you submit to Travelers via this Licensed Application shall be deemed and remain the property of Travelers. We shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information that you provide to us through use of the Licensed Application. We shall not be subject to any obligations regarding such information except as expressly stated in Travelers Privacy Notice (available at /) or as required by law.

  4. Maintenance and Support:   To the extent Travelers chooses, in its sole discretion, to provide any maintenance or support services with respect to the Licensed Application, Travelers will be solely responsible for the same. You and Travelers acknowledge that no third party has any obligation whatsoever to furnish any maintenance and support services with respect to the Licensed Application.
  5. Termination. The license is effective until terminated by you or Travelers. Your rights under this license will terminate automatically without notice from Travelers if you fail to comply with any term(s) of this Agreement. Upon termination of the license, you shall cease all use of the Licensed Application, and destroy all copies, full or partial, of the Licensed Application.
  6. Services; Third Party Materials. The Licensed Application uses Google Maps. By using the Licensed Application, you agree to the Google Maps/Earth Terms of Service. The Licensed Application may also enable access to Travelers and other third party services and web sites (together with Google Maps, collectively and individually, "Services"). To the extent the Licensed Application may provide links to third party sites, we cannot guarantee the quality, accuracy, timeliness or security of those web sites, as they are not under our control. A link to or from another web 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 the Licensed Application is at your own risk and we assume no obligation or liability in connection therewith. We may disable a link at any time and will remove any link from the Licensed Application at the third party site owner's request. Use of the Services may require Internet access and that you accept additional terms of service.

    Location data provided by any Services is for basic navigational purposes only and is not intended to be relied upon in situations where precise location information is needed or where erroneous, inaccurate or incomplete location data may lead to death, personal injury, property or environmental damage. Use of real time route guidance is at your sole risk. Location data may not be accurate. Neither Travelers, nor any of its content providers, guarantees the availability, accuracy, completeness, reliability, or timeliness of location data displayed by any Services.

    You agree that any Services contain proprietary content, information and material that is protected by applicable intellectual property and other laws, including but not limited to copyright, and that you will not use such proprietary content, information or materials in any way whatsoever except for permitted use of the Services. No portion of the Services may be reproduced in any form or by any means. You agree not to modify, rent, lease, loan, sell, distribute, or create derivative works based on the Services, in any manner, and you shall not exploit the Services in any unauthorized way whatsoever, including but not limited to, by trespass or burdening network capacity. You further agree not to use the Services in any manner to harass, abuse, stalk, threaten, defame or otherwise infringe or violate the rights of any other party, and that Travelers is not in any way responsible for any such use by you, nor for any harassing, threatening, defamatory, offensive or illegal messages or transmissions that you may receive as a result of using any of the Services.

    In addition, third party Services that may be accessed from, displayed on or linked to the mobile device are not available in all languages or in all countries. Travelers makes no representation that such Services are appropriate or available for use in any particular location. To the extent you choose to access such Services, you do so at your own initiative and are responsible for compliance with any applicable laws, including but not limited to applicable local laws. Travelers, and its licensors, reserve the right to change, suspend, remove, or disable access to any Services at any time without notice. In no event will Travelers be liable for the removal of or disabling of access to any such Services. Travelers may also impose limits on the use of or access to certain Services, in any case without notice or liability.

  7. NO WARRANTY: YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT USE OF THE LICENSED APPLICATION IS AT YOUR SOLE RISK AND THAT THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY AND EFFORT IS WITH YOU. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE LICENSED APPLICATION AND ANY SERVICES PERFORMED OR PROVIDED BY THE LICENSED APPLICATION ("SERVICES") ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND, AND TRAVELERS HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT TO THE LICENSED APPLICATION AND ANY SERVICES, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES AND/OR CONDITIONS OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS. TRAVELERS DOES NOT WARRANT AGAINST INTERFERENCE WITH YOUR ENJOYMENT OF THE LICENSED APPLICATION, THAT THE FUNCTIONS CONTAINED IN, OR SERVICES PERFORMED OR PROVIDED BY THE LICENSED APPLICATION WILL MEET YOUR REQUIREMENTS, THAT THE OPERATION OF THE LICENSED APPLICATION OR SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DEFECTS IN THE LICENSED APPLICATION OR SERVICES WILL BE CORRECTED. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY TRAVELERS OR ITS AUTHORIZED REPRESENTATIVE SHALL CREATE A WARRANTY. SHOULD THE LICENSED APPLICATION OR SERVICES PROVE DEFECTIVE, YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR LIMITATIONS ON APPLICABLE STATUTORY RIGHTS OF A CONSUMER, SO THE ABOVE EXCLUSION AND LIMITATIONS MAY NOT APPLY TO YOU.
  8. Limitation of Liability. TO THE EXTENT NOT PROHIBITED BY LAW, IN NO EVENT SHALL TRAVELERS BE LIABLE FOR PERSONAL INJURY, OR ANY INCIDENTAL, SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE LICENSED APPLICATION, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT OR OTHERWISE) AND EVEN IF TRAVELERS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY FOR PERSONAL INJURY, OR OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THIS LIMITATION MAY NOT APPLY TO YOU. In no event shall Travelers total liability to you for all damages (other than as may be required by applicable law in cases involving personal injury) exceed the amount of fifty dollars ($50.00). The foregoing limitations will apply even if the above stated remedy fails of its essential purpose.
  9. Export Controls. You may not use or otherwise export or re-export the Licensed Application except as authorized by United States law and the laws of the jurisdiction in which the Licensed Application was obtained. In particular, but without limitation, the Licensed Application may not be exported or re-exported (a) into any U.S. embargoed countries or (b) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Department of Commerce Denied Person's List or Entity List. By using the Licensed Application, you represent and warrant that you are not located in any such country or on any such list. You also agree that you will not use these products for any purposes prohibited by United States law, including, without limitation, the development, design, manufacture or production of missiles, or chemical, nuclear, or biological weapons.
  10. Government Users. The Licensed Application and related documentation are "Commercial Items", as that term is defined at 48 C.F.R. §2.101, consisting of "Commercial Computer Software" and "Commercial Computer Software Documentation", as such terms are used in 48 C.F.R. §12.212 or 48 C.F.R. §227.7202, as applicable. Consistent with 48 C.F.R. §12.212 or 48 C.F.R. §227.7202-1 through §227.7202-4, as applicable, the Commercial Computer Software and Commercial Computer Software Documentation are being licensed to U.S. Government end users (a) only as Commercial Items and (b) with only those rights as are granted to all other end users pursuant to the terms and conditions herein. Unpublished-rights reserved under the copyright laws of the United States.
  11. Injunctive Relief. Because Travelers would be irreparably damaged if the terms of this Agreement were not specifically enforced, you agree that Travelers will be entitled, without bond, other security or proof of damages, to appropriate equitable remedies with respect to breaches of this Agreement, in addition to any and all other remedies which Travelers may have under applicable laws.
  12. Indemnification. You agree to indemnify and hold Travelers, its partners, affiliates, contractors, officers, directors, employees and agents harmless from all damages, liabilities, losses, fines, penalties and expenses, including reasonable attorney fees, arising directly or indirectly from your acts and omissions in using the Licensed Application.
  13. Developer Name and Address. The Travelers Indemnity Company is the developer of the Licensed Application. Any questions, complaints or claims with respect to the Licensed Application should be directed to:

    The Travelers Indemnity Company Direct Marketing, Mobile Device Team Plaza Building One Tower Square Hartford, CT 06183 Or MobileFeedback@travelers.com

  14. Miscellaneous. (a) This Agreement represents the complete agreement concerning the license of this Licensed Application between you and Travelers and supersedes all prior or contemporaneous agreements and representations between you and Travelers regarding the same subject matter. (b) This Agreement may be amended only by Travelers. (c) If any provision of this Agreement is held to be unenforceable for any reason, such provision will be reformed only to the extent necessary to make it enforceable and the remaining provisions of this Agreement will not be affected. (d) This Agreement will be governed by the laws of the State of Connecticut as such law is applied to agreements between Connecticut residents entered into and to be performed entirely within Connecticut, except as it may be governed by United States federal law. (e) You agree that the United Nations Convention on Contracts for the International Sale of Goods shall not apply to this Agreement, nor to any dispute or transaction arising hereunder or in connection herewith.(f) If this Agreement is translated into a language other than English, You agree that the English version will prevail to the extent of any discrepancy in meaning between the English version and its translation. (g) Except and only to the extent prohibited by applicable law, You agree that any and all disagreements, disputes, claims, mediation, arbitration, litigation, etc., related to this Agreement shall be conducted in the English language, including but in no way limited to all correspondence, requests, motions, notices, consents, requests for discovery, interrogatories, submissions, filings, pleadings, arguments, orders and judgments. (h) Your access to and use of this Licensed Application is subject to all applicable federal, state and local laws and regulations.
  15. Third Party Beneficiary: You and Travelers acknowledge and agree that third party distributors of the Licensed Applications, including but not limited to Apple, Inc. and Apple Inc.'s subsidiaries, are third party beneficiaries of the Agreement, and that, upon your acceptance of the terms and conditions of the Agreement, such third party distributors will have the right (and will be deemed to have accepted the right) to enforce the Agreement against you as a third party beneficiary thereof.

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©  The Travelers Indemnity Company. All rights reserved.