Terms of Use

Terms of Use
(Updated 8/16/2014)

Introduction

Welcome to this website of Jewelers Mutual Insurance Company ("Jewelers Mutual," "we," "our" or "us"). The following terms and conditions ("Terms of Use") apply to visitors’ (“you” or “your”) use of this website, including any content, functionality and services offered on or through it.

Please read the Terms of Use carefully before using the site. By using or accessing our website, you accept and agree to abide by these Terms of Use and our Privacy Policy, incorporated herein by reference. If you do not agree to the Terms of Use or Privacy Policy, you should not use the website.

Changes to the Terms of Use

We may revise and update these Terms of Use from time to time. The date these Terms of Use were last updated is identified at the top of the page. Your use of the website following the latest update means that you accept and agree to any changes from an earlier edition of these Terms of Use.

Restrictions on Use

You may use the website only for lawful purposes and in accordance with these Terms of Use. You may not use the website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the website. You may use the content of this website only for personal use (either as a current or prospective policyholder of ours or as a representative of such a policyholder).

Accessing the Website and Account Security

We reserve the right to withdraw or amend any service we provide on the website at our sole discretion and without notice. We will not be liable if, for any reason, all or any part of the website is unavailable for any period of time. We may restrict access to some parts of the website to registered users.

If you choose, or you are provided with, a user name, password or any other information as part of our security procedures, you must treat such information as confidential. You agree to exit from your account at the end of each session and immediately notify us of any unauthorized use of your user name or password or any other breach of security. You should use particular caution when accessing your account from a public or shared computer or network so that others are not able to view or record your password or other personal information.

Privacy and Information Collection

Jewelers Mutual is committed to protecting your personal and financial information. However, the privacy of communications over the internet cannot always be guaranteed because the internet is not a completely secure medium. For that reason, we do not assume any responsibility for losses or damages you may experience or incur by sending personal information over the internet. Please review our Privacy Policy for a description of the personal information that we collect or receive from you, how that information is stored, and how it may be used or disclosed by us.

Links

The Jewelers Mutual website contains links to websites provided by third parties. These links are provided for your convenience only, and we are not responsible for the privacy practices or content of other sites. If you decide to access any of the third-party websites linked to this website, you do so at your own risk and subject to the terms of use of such websites. We accept no responsibility for those sites or for any loss or damage that may arise from your use of them.

Intellectual Property Rights

The entire contents of the website (including all information, software, text, displays, images, video and audio) and its design, selection and arrangement are owned by Jewelers Mutual and are protected by United States and international laws regarding copyrights, trademarks, trade secrets and other intellectual property or proprietary rights. You may not use website images or reproduce, adapt, or publish any website content without our written consent.

Images displayed on this website are the property of, or under license to, Jewelers Mutual. Jewelers Mutual, Perfect Circle Jewelry Insurance, JM University and related names, logos, product and service names, designs and slogans are registered trademarks of Jewelers Mutual. You may not use any of these marks without our prior written consent.

Reliance on Information Posted

The information presented on or through the website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. We disclaim all liability arising from any reliance placed on site information by you, any other visitor to the website, or by anyone who may be informed of any of the site contents.

Disclaimer

We strive to provide accurate, useful and current information; however, insurance products, services, premiums, regulations and industry conditions change. Even the best website information and content is no substitute for personalized professional advice, tailored to your business or personal needs.

THE MATERIALS ON THIS WEBSITE ARE PROVIDED "AS IS." JEWELERS MUTUAL HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

NEITHER JEWELERS MUTUAL NOR ANY PERSON ASSOCIATED WITH JEWELERS MUTUAL MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER JEWELERS MUTUAL NOR ANYONE ASSOCIATED WITH JEWELERS MUTUAL REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED; THAT DEFECTS WILL BE CORRECTED; THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

Limitation of Liability

IN NO EVENT WILL JEWELERS MUTUAL, ITS SERVICE PROVIDERS, OR ANY OF OUR OR THEIR EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR SUCH OTHER WEBSITES. JEWELERS MUTUAL AND OTHERS IDENTIFIED ABOVE IN THIS PARAGRAPH ARE ALSO NOT LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, OR LOSS OF DATA, EVEN IF FORESEEABLE, WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE ARISING OUT OF OR IN CONNECTION WITH SUCH WEBSITE USE.

The foregoing does not affect any liability which cannot be excluded or limited under applicable law. If the foregoing limitation of liability is not enforceable in whole or in part, then in no event shall Jewelers Mutual's total liability to a website user for any loss or damage shown to have arisen from the use of this website exceed the user’s internet access fees for the month in which the access leading to the proven loss or damage occurred.

Insurance Coverages

This website contains only general descriptions of coverages offered by us and does not include all the benefits and limitations found in our policies. The insurance policy issued, not general descriptions in this website, forms the contract between Jewelers Mutual and the insured. Coverage and pricing are subject to underwriting review and approval, and to policy terms and conditions.

Certificate of Authority

Jewelers Mutual is licensed in all 50 states and the District of Columbia. We are also authorized to do business in Canada (except personal lines insurance in Québec). Our Certificate of Authority number from the National Association of Insurance Commissioners (NAIC) is 14354.

Questions or Comments

This website is operated by Jewelers Mutual Insurance Company, 24 Jewelers Park Dr, Neenah, Wisconsin 54956. You may provide feedback, comments, requests for technical support, other communications, and obtain other contact information by visiting Contact Us.