Terms & Conditions
BY ACCESSING OR USING THIS INTERNET WEB SITE (STOWEINSURANCEAGENCY.COM), YOU AGREE TO THE FOLLOWING TERMS AND CONDITIONS. You should review these terms and conditions regularly as they may change at any time at the sole discretion of Meemic Insurance Company.
Meemic. This website presents information and content that is the property of Meemic Insurance Company (“Meemic”). This website is not an offer to sell or a solicitation to buy any insurance product. Located in Michigan, Meemic is a United States company servicing certain residents of the United States. Meemic is licensed to conduct the business of insurance in the states of Michigan Illinois and Wisconsin. In Illinois, insurance products are offered in the following counties: Adams, Boone, Brown, Bureau, Carroll, Cass, Champaign, Christian, Clark, Clay, Coles, Cook, Crawford, Cumberland, De Witt, DeKalb, Douglas, DuPage, Edgar, Effingham, Fayette, Ford, Fulton, Grundy, Hancock, Henderson, Henry, Iroquois, Jasper, Jo Daviess, Kane, Kankakee, Kendall, Knox, La Salle, Lake, Lawrence, Lee, Livingston, Logan, Macon, Macoupin, Marshall, Mason, McDonough, McHenry, McLean, Menard, Mercer, Montgomery, Morgan, Moultrie, Ogle, Peoria, Piatt, Pike, Putnam, Richland, Rock Island, Sangamon, Schuyler, Scott, Shelby, Stark, Stephenson, Tazewell, Vermillion, Warren, Whiteside, Will, Winnebago and Woodford. Insurance products described by this website website are not currently available outside the states of Michigan, Illinois and Wisconsin. Meemic reserves the right to determine the eligibility of any user for any product or service.
Ownership of Website. This website and its content are the property of Meemic. Meemic controls this website from our offices in Auburn Hills, Michigan, United States of America. The content of this website is protected by copyright under U.S. and international copyright laws and treaty provisions. Additionally, this website’s content is protected by trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
Use of Website. You may make and use printouts of this website’s content for personal, noncommercial use only, provided you also retain all copyright and other proprietary notices included with the content. The use or reproduction of this website’s content on any other website or in a networked computer environment for any other purpose, or any other republication or redistribution of this website’s content, including, without limitation, framing the content within another website, is expressly prohibited without the prior written permission of Meemic. The posting on, or transmission to or from this website of any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, profane material, any virus or disabling mechanism, or any other activity that could give rise to any civil or criminal liability is prohibited.
NO WARRANTY. THIS WEBSITE IS PROVIDED “AS IS.” MEEMIC MAKES NO WARRANTIES OF ANY KIND REGARDING THE CONTENT OR THE FUNCTIONS OF THIS WEBSITE, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. MEEMIC DOES NOT WARRANT THAT USE OF THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT ANY DEFECTS WILL BE CORRECTED, OR THAT THE WEBSITE OR THE COMPUTER EQUIPMENT THAT MAKES THE WEBSITE AVAILABLE TO YOU IS FREE OF VIRUSES, DISABLING MECHANISMS OR OTHER HARMFUL COMPONENTS. In the event applicable law does not allow the disclaimer of warranties, all content on this website is warranted only to the minimum amount legally required.
NO LIABILITY. BY USING THIS WEBSITE, YOU SPECIFICALLY AGREE THAT YOU WILL NOT HOLD MEEMIC OR ITS SUPPLIERS LIABLE TO YOU OR ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND ARISING FROM THE USE OF OR INABILITY TO USE THIS WEBSITE, USE OF OR INABILITY TO USE OTHER LINKED WEBSITES, FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, TRANSMISSION DELAY, COMPUTER VIRUS, OR YOUR VIOLATION OF THIS AGREEMENT. In the event applicable law does not allow the exclusion or limitation of liability for consequential or incidental damages, Meemic’s liability is limited to the greatest extent permitted by law. In no event shall the liability of Meemic exceed the amount, if any, you paid to access this website.
Trademarks and Service Marks. The Meemic logo is the property of Meemic until such time it is a registered service mark of Meemic. Other proprietary marks belonging to Meemic may be designated as such from time to time on this site through use of the SM or ® symbols. Except when included in any authorized printouts of the content, you are not authorized to make any other use of any registered service marks or other proprietary marks belonging to Meemic. Other parties’ trademarks, service marks, or logos that may be utilized or referred to by this website are the property of their respective owners.
Information Submitted. All information submitted to Meemic through this website or any related website owned or operated by Meemic is the property of Meemic. Meemic shall be free to use any ideas, concepts, or other information submitted to Meemic through this website. Meemic shall not be subject to any obligation of confidentiality regarding any submitted information except as specified in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.
Our Ads on Other Websites May Be Served Based on Tracking. At times, Meemic will work with online advertising companies to deliver relevant ads, including ads displayed on our websites and other sites. These ads may be based on information collected by Meemic or other parties (for example, when you complete an online registration form). These ads may also be based on your online activities on our website or others. The latter type of advertising is called “online behavioral advertising." The Network Advertising Initiative website provides more information about this type of advertising.
You Can Limit Online Behavioral Advertising. To limit online behavioral advertising by participating companies of the Digital Advertising Alliance, visit their website.
Children. This website does not intend to market any Meemic products or services to children. Meemic does not knowingly gather or solicit data from children through this website for marketing purposes.
Changes. Meemic is free to terminate all or any part of its website at any time, without notice. The content on this website, and these terms and conditions, are subject to change or updating by Meemic at any time without prior notice. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME TO BE AWARE OF ANY CHANGES THAT ARE MADE. Your continuing use of this website constitutes your acceptance of any change or update, all of which shall become controlling when posted by Meemic.
Reservation of Meemic’s Rights. Any rights not expressly granted by these terms and conditions are reserved by Meemic.
Severability. If any provision of these terms and conditions is held invalid, unlawful, or unenforceable, then the invalid, unlawful, or unenforceable provision shall be severable from the remaining provisions. Any invalid, unlawful, or unenforceable provision shall not affect the viability of the remaining provisions.
Governing Law. These Terms and Conditions shall be construed and controlled by the laws of the states of Michigan, Illinois and Wisconsin, without giving effect to any conflict of law principles. By accessing this website, you agree to the personal jurisdiction of the state and federal courts sitting in the states of Michigan, Illinois and Wisconsin.