ForemostSTAR® and IAProducers Websites
Terms of Electronic Use

These terms were last updated on 8/28/2020

Pursuant to the Agency Agreement, the terms for Use of Electronic Resources are as set forth below. Please read these terms carefully before using the Electronic Resources.

  1. The Companies grant agent access to the Companies’ “Electronic Resources,” which means any telephone, electronic or satellite connection to the Companies’ computer systems, facilities or Internet websites, and the functions available through such systems, facilities or websites. The Companies may alter the functionality of these Electronic Resources at any time for any reason. Agent’s use of the Electronic Resources will be only for business purposes in connection with the sale, solicitation, negotiation, counselling or servicing of the Products. Agent will not modify the materials available through the Electronic Resources and will not remove any copyright notices or symbols, service mark notices or symbols and other proprietary notices contained in the materials. Agent may not, without the Companies’ prior written permission, copy, frame or mirror any material contained on the Companies’ websites on any other server.
  2. Agent may grant authority for Agent’s employees to use the Electronic Resources only for business purposes in connection with the sale, solicitation, negotiation, counselling or servicing of the Products. Agent may obtain Electronic Resource user identification numbers, keys or passwords (“Identifiers”) for Agent and Agent’s employees for such business purposes. Agent will maintain the confidentiality of any Identifiers that the Companies provide Agent. Agent will immediately notify the Companies of any known unauthorized use of these Identifiers or any other breach of security of the Companies’ systems of which Agent becomes aware. Agent is solely responsible for the actions of Agent’s employees using these Identifiers to access the Companies’ Electronic Resources. The Companies are not responsible for any misappropriation or misuse of Agent’s Expirations, policyholder information or account information by anyone who uses Agent’s Identifiers. Because personal customer information may be stored on the Companies’ Electronic Resources, Agent’s employees must treat all customer information available on such Electronic Resources as Confidential Information pursuant to Part VI and not reveal that Confidential Information to anyone outside of Agent’s office without Agent’s direction and permission.
  3. Agent’s use of the Electronic Resources is at the Companies’ sole discretion and may be restricted or terminated by the Companies at any time for any reason. Permission to use the Electronic Resources automatically terminates on the effective date of the termination of this Agreement. Upon termination of Agent’s use of the Electronic Resources, Agent must immediately destroy any downloaded or printed Companies’ materials, other than policyholder documents.
  4. The information, materials and services obtained through use of the Electronic Resources, including, but not limited to graphics and links, are being provided to Agent “as is,” and “as available,” with no warranty. The Companies do not warrant or guarantee the accuracy, adequacy or completeness of this information and materials, and expressly disclaim liability for any errors or omissions in this information and materials. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANIES DISCLAIM ALL REPRESENTATIONS AND WARRANTIES, OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. In no event will the Companies be liable for any damages, including, without limitation, direct or indirect, special, incidental, compensatory, exemplary or consequential, losses including, without limitation, lost or misdirected applications, lost profits, lost customers, lost goodwill, or lost or stolen programs or other data or expenses, however caused, and under any theory of liability even if the Companies, its employees or representatives thereof, are advised of the possibility or likelihood of such damages, losses or expenses arising out of, or in connection with:
    1. use of, or inability to use, Electronic Resources;
    2. any performance failure, error, omission, interruption, defect or delay in operation or transmission of the Electronic Resources;
    3. line or system failure; or,
    4. the introduction of a computer virus or other technical sabotage to the Electronic Resources.
  5. The Companies have the right to monitor, access, retrieve and read all information and material that is created, sent, received, accessed, or stored on the Electronic Resources.
  6. Violations of the terms of this Part VII by Agent or Agent’s employees, including breaches of confidentiality or security, may result in suspension of Agent’s privileges to use the Electronic Resources and termination of this Agreement.
  7. Agent waives any right to special forms of notice, or advance notice, of policy cancellations or nonrenewals and agrees that electronic copies of notices sent to policyholders and made available to Agent by way of Electronic Resources will be acceptable in all instances.