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