Terms and Conditions

Please read the following Terms and Conditions carefully. They govern your use of our website, and by using our website you agree to accept the Terms and Conditions in full. If you disagree with any part, do not use our website. We reserve the right to modify these Terms and Conditions at any time. You should therefore check periodically for changes. By using this site after we post any changes, you agree to accept those changes, whether or not you have reviewed them.

Terms and Conditions

The following terms and conditions (“Terms and Conditions”) govern your use of this website (the “Site”), and by accessing, viewing or using the material on the Site, you indicate that you understand and intend these Terms and Conditions to be the legal equivalent of a signed, written, binding contract, and that you accept such Terms and Conditions and agree to be legally bound by them. If you do not agree with the Terms and Conditions, you are not granted permission to use the Site and should exit immediately.

Proprietary Rights

All material contained in this Site is protected by law, including but not limited to, United States copyright law. Except as indicated, AF GroupĀ is the owner of the copyright in the entire content (including images, text and look and feel attributes) of AFGroupInsurance.com and reserves all rights in that regard. Removing or altering the copyright notice on any material on the Site is prohibited. AF Group also owns a copyright in this Site as a collective work and/or compilation, and in the selection, coordination, arrangement, organization and enhancement of Site content. Materials may be printed for personal, noncommercial use. However, any commercial use of Site content is prohibited without the prior written consent of AF Group. Except as indicated, AF Group owns all trademarks, service marks or other logos featured on the Site. Use or misuse of these trademarks, service marks or logos is expressly prohibited and may violate federal and state law. Please be advised that AF Group actively and aggressively enforces its intellectual property rights to the fullest extent of the law.

Communications With Our Website

AF Group welcomes your feedback and suggestions about how to improve our products and services and this Site. By transmitting any suggestions, information, material, or other content (collectively, “Content”) to AF Group, you automatically grant AF Group the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, redistribute, transmit, perform and display such Content (in whole or part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed for the full term of any rights that may exist in such content. Further, AF Group is free to use any ideas, concepts, know-how, techniques, and suggestions contained in any communications you send to this Site for any purpose whatever, including but not limited to creating and marketing products and/or services using such information. AF Group is not responsible and shall not be liable for the contents of Content posted to the Site by visitors or persons other than AF Group employees. Opinions or comments contained in Content reflect the views of the author and not of AF Group unless AF Group expressly states to the contrary.

No Solicitation or Offer

This Site is designed to provide general information about AF Group, its products and services, and its AF Group insurer subsidiaries. Information on the Site is not intended to constitute an offer to sell or a solicitation of any particular product or service. Some products and/or services may not be available in all states or countries.

No Medical Services or Advice

Nothing contained, expressed or implied in the Site is intended as nor shall be construed as medical advice. No doctor-patient relationship is established between AF Group and you by reason of your use of this Site or under any circumstances whatsoever. Individual inquiries about medical issues, or sensitive or confidential matters should be addressed to appropriate health care professionals.

No Legal Advice

Nothing contained, expressed, or implied in this Site is intended as, nor shall be construed or understood as, legal advice, guidance, or interpretation. No attorney-client relationship is established between AF Group and you by reason of your use of this Site or under any circumstances whatever. The information in this Site is for general informational purposes only. If you have questions about any law, statute, regulation, or requirement expressly or implicitly referenced in this Site, you should contact your own legal counsel.

Confidentiality Cannot be Guaranteed

Please be advised that the confidentiality of any communication or material transmitted to AF Group via AFGroupInsurance.com or Internet electronic mail cannot be guaranteed, including personal information such as your address or Social Security number. To ensure private and personalized attention, you may also contact AF Group by telephone at 517-708-5000, or write us at AF Group, 200 N. Grand Avenue, PO Box 40790, Lansing, MI 48901-7990.

Privacy Statement

AF Group has a Privacy Statement disclosing what information we collect about visitors, how we use such information, the steps we take to secure such information, how you can view and correct such information, and how you can decline to have information about you collected or used.

Disclaimer of Warranty and Liability

USE OF THIS SITE IS ENTIRELY AT YOUR OWN RISK. NEITHER AF GROUP NOR ITS AFFILIATES ARE RESPONSIBLE FOR THE CONSEQUENCES OF RELIANCE ON ANY INFORMATION CONTAINED IN OR SUBMITTED TO THE SITE, AND THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH YOU. THESE MATERIALS ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. AF GROUP SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOST REVENUES OR LOST PROFITS, WHICH MAY RESULT FROM THE USE OF, ACCESS TO, OR INABILITY TO USE THESE MATERIALS. UNDER NO CIRCUMSTANCES WILL THE TOTAL LIABILITY OF AF GROUP TO YOU EXCEED THE PRICE PAID FOR USE OF THE SITE.

Corrections and Changes

While we endeavor to keep the materials on the Site up to date, AF GroupĀ cannot assume responsibility for any errors or omissions in these materials. AF Group further does not warrant the accuracy or completeness of the information, text, graphics, links or other items contained within these materials. AF Group may make changes to these materials, or to the products or services described herein, at any time without notice, and makes no commitment to update the information contained herein. AF Group reserves the right to terminate your access to the Site in the event that you violate these Terms and Conditions, or for any reason whatever.

Indemnification

You agree to defend, indemnify, and hold harmless AF Group, its affiliates and subsidiaries, and all of their respective directors, officers, employees, representatives, proprietors, partners, shareholders, servants, principals, agents, predecessors, successors, assigns, and attorneys from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs, and expenses (including attorney’s fees and litigation expenses) relating to or arising from your use of the Site and any breach by you of these Terms and Conditions.

Links to Other Websites

This Site may, from time to time, contain links to other Internet websites for the convenience of users in locating information and services that may be of interest. Visitors to the Site acknowledge that these third-party sites are maintained by persons or organizations over which AF Group exercises no control, and AF Group expressly disclaims any responsibility for the content, the accuracy of the information and/or quality of products or services provided by or advertised on these third-party sites. AF Group does not control, endorse, promote, or have any affiliation with any other website unless expressly stated in the Site.

Use of the Internet

Use of the Internet is solely at your own risk and is subject to all applicable state, national and international laws and regulations. Neither AF Group nor its affiliates will be liable for any loss resulting from a cause over which they do not have direct control, including but not limited to failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, natural disasters, strikes or other labor problems, wars, or governmental restrictions.

Governing Law and Jurisdiction

These Terms and Conditions will be governed by and construed in accordance with the laws of the State of Michigan, without reference to its choice of law rules. By accessing, viewing, or using the material on the Site, you consent to the jurisdiction of the federal and state courts presiding in Lansing, Michigan, and agree to accept service of process by mail and hereby waive any and all jurisdictional and venue defenses otherwise available. This Site is controlled and operated by AF Group from its offices within the United States. AF Group makes no representation that materials in the Site are appropriate or available for use in other locations, and access to them from territories where their contents are illegal is prohibited. Those who choose to access this Site from other locations do so on their own volition and are responsible for compliance with applicable local laws.

These Terms and Conditions constitute the entire agreement between you and AF Group with respect to your use of the Site. If any part of these Terms and Conditions is held to be invalid or unenforceable for any reason, the remaining parts will remain in full force and effect. You acknowledge that, in providing you access to and use of the Site, AF Group has relied on your agreement to be legally bound by these Terms and Conditions.