Terms and Conditions

Effective Date:  December, 2018

Welcome to the Shelter Reinsurance Company and Shelter Mutual Insurance Company ("Company") website at www.shelterre.com (the “Site”). Please review these Site terms of use as they govern your use of our Site. BY ACCESSING, BROWSING, OR USING THIS SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS THEN PLEASE DO NOT USE THIS SITE.

INTELLECTUAL PROPERTY
Company controls and operates this Site from its offices within the United States. Claims relating to, including the use of, this Site and the materials contained herein are governed by the laws of the United States and the State of Missouri, without regard for its conflicts of law provisions. Company and you agree that courts of Boone County, Missouri will have exclusive jurisdiction to hear and determine any claims or disputes arising out of or related to these Terms of Use. You expressly submit and consent in advance to such jurisdiction in any action or suit commenced in such court, and you hereby waive any objection that you may have based upon lack of personal jurisdiction, improper venue or forum non conveniens. If you do not agree, please do not use this Site. If you choose to access this Site from another location, you do so on your own initiative and are responsible for compliance with applicable local laws.

The information contained in this Site including all images, illustrations, designs, photographs, video clips, writings and other materials that appear herein are copyrights, trademarks, trade dress or other intellectual property owned, controlled, or licensed (all of which, collectively, are herein referred to as the "Contents") by Company or are the property of their respective owners.

The name of Company and the Company logo are registered marks of Shelter Mutual Insurance Company.  Permission is granted to display, copy, distribute, download, and print in hard copy portions of this Site for the purposes of exploring business opportunities with Company. 

Except in connection with doing business with Company, none of the Contents may be copied, reproduced, distributed, republished, downloaded, displayed, performed, modified, posted electronically or mechanically, transmitted, recorded, or in any manner mirrored without the prior written permission of Company or the applicable copyright owner.

Please note that the permission granted herein terminates automatically if you breach any of these Site terms or conditions. Any other use of the Contents on this Site other than as noted above may violate copyright or trademark laws, and, without the prior written permission of Company, is strictly prohibited.

THIRD-PARTY WEBSITES
If you choose to leave this Site via links to other non-Company sites, Company is not responsible for the terms of use, privacy policies or the cookies those sites use. Additionally, because Company does not control non-Company sites or the products advertised therein, you acknowledge and agree that Company is not responsible for the availability of such non-Company sites or products, and is neither responsible nor liable for any content, advertising, products, or other materials on or available from such sites. In no event shall any reference to any non-Company site, product or service be construed as an approval or endorsement by Company of such site, product or service. Please see our Privacy Policy for further details.

DISCLAIMER OF WARRANTY
COMPANY IS PROVIDING THIS SITE AND ITS CONTENTS ON AN "AS IS" BASIS AND MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OR CONDITIONS OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. ALTHOUGH COMPANY BELIEVES THE CONTENT TO BE ACCURATE, COMPLETE, AND CURRENT, COMPANY DOES NOT REPRESENT OR WARRANT THAT THE INFORMATION ACCESSIBLE ON THIS SITE IS ACCURATE, COMPLETE, OR CURRENT. INFORMATION ON THE SITE IS SUBJECT TO CHANGE WITHOUT NOTICE. 

DISCLAIMER OF LIABILITY
IN NO EVENT SHALL COMPANY BE LIABLE FOR SPECIAL, INDIRECT, EXEMPLARY, OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER (COLLECTIVELY, “DAMAGES”), INCLUDING BUT NOT LIMITED TO, LOSS OF USE, DATA, OR PROFITS, WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTIONS, ALL ARISING OUT OF OR IN CONNECTION WITH THE USE, COPYING, OR DISPLAY OF THE CONTENTS OF THIS SITE.

You agree to indemnify and hold Company (and its officers, directors, agents, subsidiaries, joint ventures, employees and third-party service providers), harmless from all claims, demands, and damages (actual and consequential) of every kind and nature, known and unknown, including reasonable attorneys' fees, costs, expenses or damages relating to defending such claims, arising out of or related to your violation of any law or the rights of a third party.

USER COMMENTS, FEEDBACK, AND OTHER INFORMATION AND SUBMISSIONS PROVIDED BY YOU
You agree that any material, information, and ideas that you transmit to this Site or otherwise provide to Company ("Transmissions") shall be and remain Company's property. By submitting any Transmissions to Company, you represent and warrant that:

  1. you are the sole author and owner of the Transmission and any intellectual property rights thereto;
  2. all "moral rights" that you may have in such Transmission have been voluntarily waived by you;
  3. all Transmissions that you post are accurate;
  4. you are at least 13 years old; and
  5. use of the Transmission you supply does not violate these Terms of Use and will not cause injury to any person or entity.

You further agree and warrant that you shall not submit any Transmission:

  1. that is known by you to be false, inaccurate or misleading;
  2. that infringes any third party's intellectual property rights or rights of publicity or privacy;
  3. that violates any law, statute, ordinance or regulation;
  4. that is, or may reasonably be considered to be, defamatory, libelous, hateful, racially or religiously biased or offensive, unlawfully threatening or unlawfully harassing to any individual, partnership or corporation;
  5. for which you were compensated or granted any consideration by any third party;
  6. that includes any information that references other websites, addresses, email addresses, contact information or phone numbers; or
  7. that contains any computer viruses, worms or other potentially damaging computer programs or files.

For any Transmission, you grant Company a perpetual, irrevocable, royalty-free, transferable right and license to use, copy, modify, display, perform, delete in its entirety, adapt, publish, translate, create derivative works from, sell and/or distribute such content, and/or incorporate such content into any form, medium or technology throughout the world without compensation to you.

Company reserves the right to change, condense or delete any Transmission that Company deems, in its sole discretion, to violate the content guidelines or any other provision of these Terms of Use. Company does not guarantee that you will have any recourse through Company to edit or delete any Transmission you have submitted. Company reserves the right to remove or to refuse to post any Transmission for any reason. You acknowledge that you, not Company, are responsible for the contents of your Transmission. None of the content that you submit shall be subject to any obligation of confidence on the part of Company, its agents, subsidiaries, affiliates, partners or third party service providers and their respective directors, officers and employees.

By submitting your email address in connection with your Transmission, you agree that Company and its third party service providers may use your email address to contact you about the status of your Transmission and other administrative purposes.

Company shall be free to use any ideas, concepts, know-how, or techniques contained in such information for any purpose whatsoever including, but not limited to, developing, manufacturing, or marketing products incorporating such information. You further agree that Company may use information about your demographics and use of this Site in any manner that does not reveal your identity.

SECURITY
In using this Site you agree to the following:

(a) you will not use any device, software, or other instrumentality to disrupt, damage or interfere with or attempt to disrupt, damage or interfere with the proper functioning of this Site;

(b) you will not to violate or attempt to violate the security of this Site, including, without limitation, (i) logging onto an account that you are not authorized to access; (ii) attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus to the Site, overloading, "flooding," "spamming," "mail bombing" or "crashing"; or (iii) attempt to transmit any "virus", "Trojan horse" or other software destruction or disruption device; and

(c) you will not intentionally or unintentionally violate any applicable international, federal, state or local law, including but not limited to any regulations applicable to your use of this Site.

TERMS OF USE REVISIONS
Company may revise these terms of use by updating this posting. You agree that in the event any portion of these Site terms of use is found to be unenforceable, the remainder of these Site terms and conditions shall remain in full force and effect. By using this Site you agree to be bound by any such revisions and should therefore periodically visit this page to determine the current terms of use to which you are bound.

NOTICE FOR CALIFORNIA RESIDENTS
Under California Civil Code Section 1789.3, California users are entitled to the following consumer rights notice: If you have a question or complaint regarding the Site, please send an email to GLockard@ShelterInsurance.com.  You may also contact us by writing to 1817 W. Broadway, Columbia, MO 65218 or by calling (800) 743-5837. California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

Termination
The Terms of Use is effective until terminated by either party. You may terminate the Terms of Use at any time by destroying all materials obtained from the Site and all related documentation thereof, whether made under the Terms of Use or otherwise. The Terms of Use will terminate immediately without notice from Company if in Company’s sole discretion you fail to comply with any provision of the Terms of Use. Upon termination, you must destroy all materials obtained from the Site, whether made under the provisions of the Terms of Use or otherwise.

PRIVACY POLICY
Shelter respects your right to privacy. You can view our privacy policy here.