TERMS & CONDITIONS
Welcome to the website of Fortress Insurance Company. These general Terms & Conditions apply to all content on our website at dds4dds.com (the “Site”), including information provided in the e-Learning Center and Resource Center. Please review these terms carefully prior to using this site. Your use of the Site indicates your agreement to these terms & conditions.
Use of the Site
The purpose of the Site is to provide you with information about Fortress Insurance and its services and products. This Site is for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, or create derivative works from information or material on the Site except as expressly permitted in these Terms & Conditions. You may not use the Site to engage in any unlawful activity, to infringe on the rights of Fortress Insurance or others or in any way that is prohibited by these Terms & Conditions. You may not use the Site in any manner which could damage, disable, overburden, or impair any Site or interfere with any other party's use and enjoyment of the Site.
YOU ARE SOLELY RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF ANY USER IDs/PASSWORDS. You are responsible for all use of the Site and for the security of your login identification, your password that you use to protect access to your data, your file name(s) and files, network and user access. By providing your email address, you permit Fortress to communicate with you, regarding any information or material pertaining to the Company and website. Please notify us immediately if you believe your password has been improperly used.
Links to Other Sites
The Site may contain links to other websites (“Linked Sites”). The Linked Sites are not under our control and Fortress Insurance is not responsible for the contents of any Linked Site. Fortress Insurance is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Fortress Insurance of the Linked Site or any association with its operators.
The information contained on the Site does not establish a standard of care, nor is it a substitute for legal or other professional advice. Any information, suggestions and risk management tips contained on the Site are generalized and are not intended to apply to all or specific situations. If you have a question requiring professional advice, such as a question relating to litigation or medical issues, please seek the advice of a qualified professional in the relevant field and jurisdiction.
Fortress Insurance shall not be liable for any damages resulting from the use or misuse of the Site or the information contained therein. While Fortress Insurance strives to have accurate information on the Site, the information and other material published on the Site may contain inaccuracies or typographical errors. Fortress Insurance does not warrant that any content, function, operation or availability will be uninterrupted or error free, that defects will be corrected, or that the Site or the systems that make it available will be free of viruses or other harmful components. No representation or warranty is made by Fortress Insurance about the accuracy, reliability, availability or suitability of any information, material, systems, services or products contained or discussed on the Site for any purpose. FORTRESS INSURANCE SPECIFICALLY DISCLAIMS ALL WARRANTIES WITH RESPECT TO THE SITE, EXPRESS, IMPLIED, OR OTHERWISE, INCLUDING WITHOUT LIMITATION, ALL WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
Limitation of Liability
Under no circumstances or any theories of liability will Fortress Insurance be liable for damages of any kind occurring from the use or performance of the Site including direct, indirect, consequential, incidental, or punitive damages (even if Fortress Insurance has been advised of the possibility of such damages). If you are dissatisfied with any portion of the Site, or with any of these Terms & Conditions, your sole and exclusive remedy is to discontinue using the Site.
You hereby agree to indemnify and hold harmless Fortress Insurance and any of the partners, members, shareholders, officers, directors, employees, consultants, attorneys and agents of Fortress Insurance from any and all claims, liability, damages and/or costs (including, but not limited to, attorneys fees) arising as a result of your use of the Site or your violation of the Terms & Conditions, or your infringement of any intellectual property or other right of Fortress Insurance or any person or entity. In the event of any claim, Fortress Insurance shall have the right to defend and settle any such claim with counsel of its own selection. You shall cooperate as fully as reasonably required in the defense thereof and shall not settle any such claim without the prior written consent of Fortress Insurance.
Monitoring and Termination of Use
Fortress Insurance monitors the communications on the Site. Fortress Insurance reserves the right to review posted materials and to remove any materials in its sole discretion. Fortress Insurance reserves the right to terminate user communication to the website or user accounts at any time without notice for any reason whatsoever. Fortress Insurance reserves the right at all times to edit, refuse to post or to remove any information or materials, in whole or in part, in Fortress Insurance’s sole discretion.
Access to the Fortress Insurance Website from Outside United States
The Site is intended for the use by individuals located within the United States. If you choose to access Site from outside the United States you do so on your own initiative and are responsible for compliance with all applicable laws.
The compilation copyright to the Site, the design and appearance of the Site, and all of the materials and content on the Site, including without limitation, all text, graphics, drawings, images, charts, pictures, maps, photographs, images, line art, icons and renditions, are owned or licensed by Fortress Insurance. These materials are protected by federal law against unauthorized copying and reproduction. Any use, reproduction or distribution of material from the Site (except as permitted herein) without written permission of Fortress Insurance is expressly prohibited. All other use, and all copying and reproduction thereof, is strictly prohibited. Anyone who prints, downloads, copies or otherwise communicates information from the Site is responsible for communicating these Terms & Conditions to the person(s) to whom such information is communicated and to ensure their compliance thereto, and further agrees to hold Fortress Insurance harmless against any and all claims arising out of or in connection with their failure to abide by these Terms & Conditions.
Modification of the Fortress Insurance Website or Terms & Conditions
Fortress Insurance reserves the right to make changes in these Terms & Conditions and to change, suspend or discontinue any aspect of the Site at any time, in its sole discretion, without notice.
Governing Law and Venue
By accessing the Site, you have directed your system to a computer located in the State of Illinois. Any and all disputes arising from the content of the Site are to be governed exclusively by the laws of the State of Illinois.
Insurance Policy Terms
Coverage statements on the Site are for general description purposes only. Any actual coverage determination is subject to all of the terms and conditions of the actual policy, endorsements, application, and any actual claims. The Site does not amend, modify or supplement the insurance policies we issue to insureds. Not all coverages are available in every state. Consult the actual policy or contact us or your agent regarding terms, conditions, coverages, exclusions, products, services and programs that may be available to you.
Securities Disclaimers and Forward Looking Statements
The materials and information contained on the Site do not constitute an offer or a solicitation of an offer for the purchase or sale of any securities in Fortress Insurance. Furthermore, the Site may contain information and press releases about and by Fortress Insurance or its affiliates. Although this information was believed to be accurate as of the date prepared by us, Fortress Insurance disclaims any duty or obligation to update such information. To the extent that any information is deemed to be a “forward looking statement” as defined in the Private Securities Litigation Reform Act of 1995, such information is intended to fit within the “safe harbor” provided therein. Forward looking statements are not guarantees of performance. You are cautioned not to place undue reliance on forward looking statements, which speak only as of the date made. The Site is not intended to make any investment representations about Fortress Insurance and should not be viewed as such.
If you have any questions regarding this Site or these Terms & Conditions, please contact us as follows: Fortress Insurance Company, Attn: Office of General Counsel, 6133 N. River Road, Suite 650, Rosemont, IL 60018 or you may call us at (800) 522-6675.
Copyright © 2012 Fortress Insurance Company. All rights reserved.