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Please read this
Legal Statement
carefully before
using the
NORTHERN MUTUAL
INSURANCE
Internet Web
site(s). If you
do not agree to
the terms of
this Legal
Statement,
please do not
use the NORTHERN
MUTUAL INSURANCE
Internet Web
site(s).
YOU AGREE AND
ACKNOWLEDGE THAT
BY READING THIS
DISCLAIMER IN
ITS ENTIRETY YOU
ARE INDICATING
YOUR AGREEMENT
TO BE BOUND BY
THE TERMS OF
THIS LEGAL
STATEMENT AND
YOUR ACCEPTANCE
OF THE NORTHERN
MUTUAL INSURANCE
PRIVACY
STATEMENT, A
LINK TO WHICH IS
ALSO PROVIDED
BELOW.
NORTHERN MUTUAL
INSURANCE and
its affiliates
provide their
services to you
subject to the
following
notices, terms,
and conditions.
In addition,
when you use any
service of
NORTHERN MUTUAL
INSURANCE or its
Internet Web
site(s), you
will be subject
to the rules,
guidelines,
policies, terms,
and conditions
applicable to
that service and
you will be
subject to all
governing state
and federal
laws, including
applicable
patent,
copyright,
trademark and
other
intellectual
property laws.
Copyright
This site, in
its entirety, is
the sole
property of
NORTHERN MUTUAL
INSURANCE or its
content
suppliers and
protected by
U.S. and
international
copyright laws.
The compilation
(meaning the
collection,
arrangement, and
assembly) of all
content on this
site is the
exclusive
property of
NORTHERN MUTUAL
INSURANCE and is
protected by
U.S. and
international
copyright laws.
All software
used on this
site is the
property of
NORTHERN MUTUAL
INSURANCE or its
affiliates and
is protected by
U.S. and
international
copyright laws.
The content and
software on this
site may be used
as a personal
shopping and
e-commerce
resource. Any
other use,
including the
reproduction,
modification,
distribution,
creation of
derivative
works,
transmission,
republication,
display, or
performance of
the content on
this site is
strictly
prohibited. The
application of
this site, into
any other site,
is strictly
prohibited
unless
pre-approved by
NORTHERN MUTUAL
INSURANCE.
Trademarks
The trademarks
used or referred
to on this site
are the
exclusive
property of the
Northern Mutual
Insurance
Company ("NMIC")
and may not be
used in any way
without written
consent of NMIC.
The names, logos
and icons
identifying NMIC
services and/or
products are
proprietary
trademarks/service
marks of the
NMIC.
All other brand
and product
names are
trademarks or
registered
trademarks of
their respective
holder. No part
of the materials
on this site,
including but
not limited to
the text,
graphics, and
html code, may
be reproduced or
transmitted in
any form without
the prior
written consent
of NMIC. By
continuing to
use this site,
you indicate
your awareness
of and consent
to these terms
and conditions.
LEAVE THIS SITE
IMMEDIATELY if
you do not agree
to the
conditions
stated in this
warning.
Use of
Site
By accessing
this site you
are agreeing to
all of the
terms,
conditions, and
statements
included in this
legal statement.
The entirety of
this site or any
portion of this
site may not be
reproduced,
duplicated,
copied, sold,
resold, or
otherwise
exploited for
any commercial
purpose that is
not expressly
permitted by
NORTHERN MUTUAL
INSURANCE. The
NORTHERN MUTUAL
INSURANCE
Internet Web
site(s) may not
be linked to any
other site
without prior
consent of
NORTHERN MUTUAL
INSURANCE and
its affiliates
reserve the
right to refuse
service,
terminate
accounts, and/or
cancel orders at
its discretion,
including,
without
limitation, if
NORTHERN MUTUAL
INSURANCE
believes that
customer conduct
violates
applicable law,
disrupts our
normal business
activities or is
harmful to the
interests of
NORTHERN MUTUAL
INSURANCE and
its affiliates.
E-Mail
By registering
or placing an
order with us,
you are
consenting to
receive e-mail
from us
regarding your
registration or
your order.
Additionally, by
registering or
placing an order
with us, you are
consenting to
receive
commercial
e-mail and
mailed
promotional
product
information from
us.
Third Party
Property
You agree that
you may upload
to the software
files or
otherwise
transmit on or
through the
NORTHERN MUTUAL
INSURANCE
Internet Web
site(s), only
content that is
not subject to
any rights of
any third
parties, or
content in which
any holder of
such rights has
given express
authorization
for distribution
on the Internet.
By submitting
content to
NORTHERN MUTUAL
INSURANCE, you
automatically
grant, or
warrant that the
owner of such
content has
expressly
granted, the
royalty-free,
perpetual,
irrevocable,
non-exclusive
and fully
sub-licensable
right to use,
reproduce,
modify, adapt,
publish,
translate,
create
derivative works
from,
distribute,
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.
Reviews and
Comments
If, at any time,
NORTHERN MUTUAL
INSURANCE
enables site
visitors to post
reviews of and
comments on
products or
services
featured on the
site, then the
party posting
that comment or
review grants
NORTHERN MUTUAL
INSURANCE and
its affiliates a
non-exclusive,
royalty-free,
perpetual,
irrevocable, and
fully
sub-licensable
right to use,
reproduce,
modify, adapt,
publish,
translate,
create
derivative works
from,
distribute, and
display such
reviews and
comments
throughout the
world in any
media. You also
grant NORTHERN
MUTUAL INSURANCE
and its
affiliates the
right to use the
name that you
submit with any
review or
comment, if any,
in connection
with such review
or comment.
Risk of Loss
All
items/services
purchased from
NORTHERN MUTUAL
INSURANCE or its
Internet Web
site(s) are made
pursuant to a
shipment or
delivery
contract. Should
there be
shipping or
delivery errors,
NORTHERN MUTUAL
INSURANCE will
offer reasonable
assistance in
the correction
of that error.
However, the
risk of loss and
title for such
items pass to
you upon our
delivery to the
carrier. You
must file any
such claims with
that delivery
carrier.
Display of
Products or
Services
We use
commercially
reasonable
efforts to
ensure that the
colors, design
and details of
the products, or
descriptions of
services,
displayed on the
NORTHERN MUTUAL
INSURANCE Web
site(s) are
accurate.
However, we
cannot and do
not guarantee
that the colors,
font types,
design, paper
stock and/or
detail, as
displayed by
your monitor,
will be accurate
and we assume no
responsibility
whatsoever for
such difference
in color, design
and details.
Defective
Products
In the event
that you
received a
defective
product, please
contact NORTHERN
MUTUAL INSURANCE
within thirty
(30) days from
the date of your
order. Your sole
remedy for any
defective
product shall be
limited to the
repair or
replacement of
the product. THE
FOREGOING
COMPRISES
NORTHERN MUTUAL
INSURANCE'S
ENTIRE LIABILITY
IN CONNECTION
WITH YOUR
TRANSACTION.
NORTHERN MUTUAL
INSURANCE
reserves the
right at any
time and without
notice to change
the products
which are
available for
order. In the
event, your
selected product
is no longer
available,
NORTHERN MUTUAL
INSURANCE in its
sole option and
discretion will
either make a
substitution or
refund your
purchase price.
Sales Tax
In accordance
with various
statutes,
NORTHERN MUTUAL
INSURANCE may be
required to
collect sales
tax on purchases
of products or
service shipped
or delivered to
customers
located in the
states of all
fifty states,
the District of
Columbia and
other locations
as mandated by
law. Tax rates,
the terms
specified herein
and the items
subject to tax
are subject to
change at
anytime.
Prohibited
Conduct and Use
You agree to use
the NORTHERN
MUTUAL INSURANCE
Internet Web
site(s) only for
lawful purposes.
You are
expressly
prohibited from
placing any
message in any
product or
otherwise
transmitting
through the
NORTHERN MUTUAL
INSURANCE any
unlawful,
harmful,
threatening,
abusive,
harassing,
defamatory,
vulgar, obscene,
sexually
explicit,
profane,
hateful,
racially,
ethnically or
otherwise
objectionable
material of any
kind, including
without
limitation, any
material that
encourages
conduct that
would constitute
a criminal
offense, give
rise to civil
liability, or
otherwise
violate any
applicable
local, state,
national or
international
law
(collectively,
"Prohibited
Conduct"). You
agree and
acknowledge that
NORTHERN MUTUAL
INSURANCE is not
responsible or
liable to you or
any other party
for any
Prohibited
Conduct by any
user of the
NORTHERN MUTUAL
INSURANCE
Internet Web
site(s) at any
time.
Notwithstanding
anything in this
Legal Statement
to the contrary,
NORTHERN MUTUAL
INSURANCE is in
no way obligated
to monitor any
user's use of
the NORTHERN
MUTUAL INSURANCE
Internet Web
site(s) or to
monitor, retain,
review and/or
edit the
contents of any
message sent in
a product or
otherwise
transmitted
through the
NORTHERN MUTUAL
INSURANCE
Internet Web
site(s).
However,
NORTHERN MUTUAL
INSURANCE does
reserve the
right, at any
time, to
monitor, review,
retain, edit
and/or disclose
any information
as we determine
necessary, in
our sole
discretion, to:
(i) satisfy any
applicable law,
regulation,
legal process or
governmental
request; (ii)
protect and
defend our
rights and
property; (iii)
enforce this
Legal Statement;
(iv) protect
against misuse
or unauthorized
use of the
NORTHERN MUTUAL
INSURANCE
Internet Web
site(s); and (v)
protect the
interests of our
users or the
public.
You are
expressly
prohibited from
using a false
e-mail address
or other
identifying
information.
Further, you may
not send
products (with
or without
messages) to
people or other
entities on
mailing lists
that you do not
have full rights
to use.
Linked Sites
The NORTHERN
MUTUAL INSURANCE
Internet Web
site(s) may
contain links to
other web sites
solely for your
convenience.
NORTHERN MUTUAL
INSURANCE does
not endorse nor
make any
warranties or
representations
about any web
site you may
access through a
link from the
NORTHERN MUTUAL
INSURANCE
Internet Web
site(s). You
agree and
acknowledge that
you (and not
NORTHERN MUTUAL
INSURANCE assume
all risk for any
dealings or
transactions of
any nature,
including
without
limitation, the
purchase of any
products or
services from,
or the reliance
upon any
information or
materials
contained in,
such linked
sites.
Limitation of
Liability
UNDER NO
CIRCUMSTANCES,
INCLUDING
WITHOUT
LIMITATION,
NEGLIGENCE,
SHALL NORTHERN
MUTUAL INSURANCE
BE LIABLE FOR
ANY DIRECT,
INDIRECT,
EXEMPLARY,
SPECIAL,
INCIDENTAL OR
CONSEQUENTIAL
DAMAGES THAT
RESULT FROM ANY
PRODUCTS, GOODS
OR SERVICES
PURCHASED OR
OTHERWISE
TRANSMITTED FROM
THE NORTHERN
MUTUAL INSURANCE
INTERNET WEB
SITE(S), THE USE
OF, OR THE
INABILITY TO
USE, THE
MATERIALS IN THE
NORTHERN MUTUAL
INSURANCE
INTERNET WEB
SITE(S), EVEN IF
NORTHERN MUTUAL
INSURANCE OR A
NORTHERN MUTUAL
INSURANCE
AUTHORIZED
REPRESENTATIVE
HAS BEEN ADVISED
OF THE
POSSIBILITY OF
SUCH DAMAGES. IN
NO EVENT SHALL
NORTHERN MUTUAL
INSURANCE 'S
TOTAL LIABILITY
TO YOU FOR ALL
DAMAGES, LOSSES,
AND CAUSES OF
ACTION, WHETHER
IN CONTRACT,
TORT (INCLUDING,
WITHOUT
LIMITATION,
NEGLIGENCE) OR
OTHERWISE EXCEED
THE AMOUNT PAID
BY YOU, IF ANY,
FOR THE PURCHASE
OF ANY PRODUCT
ON THE NORTHERN
MUTUAL INSURANCE
INTERNET WEB
SITE(S).
APPLICABLE LAW
MAY NOT ALLOW
THE LIMITATION
OR EXCLUSION OF
LIABILITY OR
INCIDENTAL OR
CONSEQUENTIAL
DAMAGES, SO THE
ABOVE LIMITATION
OR EXCLUSION MAY
NOT APPLY TO
YOU.
Disclaimer
THE CONTENT,
MATERIALS AND
PRODUCTS ON THE
NORTHERN MUTUAL
INSURANCE
INTERNET WEB
SITE(S) ARE
PROVIDED "AS IS"
AND WITHOUT
WARRANTIES OF
ANY KIND, EITHER
EXPRESS OR
IMPLIED.
TO THE FULLEST
EXTENT
PERMISSIBLE
PURSUANT TO
APPLICABLE LAW,
NORTHERN MUTUAL
INSURANCE
DISCLAIMS ALL
WARRANTIES,
EXPRESS OR
IMPLIED,
INCLUDING, BUT
NOT LIMITED TO,
IMPLIED
WARRANTIES OF
MERCHANTABILITY
AND FITNESS FOR
A PARTICULAR
PURPOSE.
NORTHERN MUTUAL
INSURANCE DOES
NOT WARRANT THAT
THE OPERATION OF
THE NORTHERN
MUTUAL INSURANCE
INTERNET WEB
SITE(S), OR THE
FUNCTIONS
CONTAINED IN THE
CONTENT,
MATERIALS, OR
PRODUCTS, WILL
BE UNINTERRUPTED
OR ERROR-FREE,
THAT DEFECTS
WILL BE
CORRECTED, OR
THAT THE
NORTHERN MUTUAL
INSURANCE
INTERNET WEB
SITE(S) OR THE
SERVER THAT
MAKES IT
AVAILABLE ARE
FREE OF VIRUSES
OR OTHER HARMFUL
COMPONENTS.
NORTHERN MUTUAL
INSURANCE DOES
NOT WARRANT OR
MAKE ANY
REPRESENTATION
REGARDING THE
USE OR THE
RESULTS OF THE
USE OF THE
CONTENT,
MATERIALS, OR
PRODUCTS IN THE
NORTHERN MUTUAL
INSURANCE
INTERNET WEB
SITE(S)
REGARDING THEIR
CORRECTNESS,
ACCURACY,
RELIABILITY, OR
OTHERWISE.
YOU (AND NOT
NORTHERN MUTUAL
INSURANCE ASSUME
THE ENTIRE COST
OF ALL NECESSARY
SERVICING,
REPAIR OR
CORRECTION.
APPLICABLE LAW
MAY NOT ALLOW
THE EXCLUSION OF
IMPLIED
WARRANTIES SO
THE ABOVE
EXCLUSION MAY
NOT APPLY TO
YOU.
NORTHERN MUTUAL
INSURANCE
RESERVES THE
RIGHT TO LIMIT
PURCHASE AND
PURCHASE
QUANTITY. IN THE
EVENT OF ANY
SITE ERROR,
CUSTOMERS WILL
BE LIMITED TO A
SINGLE UNIT
PURCHASE.
PRICING ON THIS
SITE MAY BE
SUBJECT TO
CHANGE WITHOUT
NOTICE.
Usage by
Children
NORTHERN MUTUAL
INSURANCE does
not solicit the
use of the
NORTHERN MUTUAL
INSURANCE
Internet Web
site(s) or
purchase of
products offered
on the NORTHERN
MUTUAL INSURANCE
Internet Web
site(s) by
minors. However,
NORTHERN MUTUAL
INSURANCE cannot
prevent such use
or purchase and
cannot prevent
minors from
visiting the
NORTHERN MUTUAL
INSURANCE
Internet Web
site(s).
Parents,
guardians and
those
responsible for
supervising
minors are
solely
responsible for
determining what
materials,
products and
services are
suitable for
such children to
view and/or
purchase.
NORTHERN MUTUAL
INSURANCE
requires that
use of the
NORTHERN MUTUAL
INSURANCE
Internet Web
site(s) be made
either by: (a)
individuals 18
years old or
older; or (b)
individuals
under 18 years
of age under the
direct
supervision of a
parent, guardian
or other
responsible
individual with
such parent,
guardian or
other
responsible
individual's
verifiable
permission for
such use,
including the
collection by
NORTHERN MUTUAL
INSURANCE of
certain
information in
accordance with
this Legal
Statement. In
addition,
NORTHERN MUTUAL
INSURANCE
requires that
any purchase
from the
NORTHERN MUTUAL
INSURANCE
Internet Web
site(s) be by:
(a) individuals
of legal age; or
(b) by minors
under the direct
supervision of a
parent, guardian
or other
responsible
individual with
such parent,
guardian or
other
responsible
individual's
verifiable
permission for
such purchase.
EACH TIME YOU
USE THE NORTHERN
MUTUAL INSURANCE
INTERNET WEB
SITE(S) OR
PURCHASE A
PRODUCT OR
SERVICE FROM THE
NORTHERN MUTUAL
INSURANCE
INTERNET WEB
SITE(S), YOU ARE
REPRESENTING
THAT YOU ARE
EITHER: (A) 18
YEARS OF AGE OR
OLDER; OR (B) A
MINOR WHO IS
USING THE
NORTHERN MUTUAL
INSURANCE
INTERNET WEB
SITE(S) AND
PURCHASING SUCH
PRODUCT OR
SERVICE UNDER
THE SUPERVISION,
AND WITH THE
VERIFIABLE
PERMISSION OF, A
PARENT, GUARDIAN
OR OTHER
RESPONSIBLE
INDIVIDUAL FOR
SUCH PURCHASE
AND FOR THE
COLLECTION OF
CERTAIN
INFORMATION IN
ACCORDANCE WITH
THIS LEGAL
STATEMENT.
Jurisdictional
Issues
Unless otherwise
specified, the
materials in the
NORTHERN MUTUAL
INSURANCE
Internet Web
site(s) are
presented solely
for the purpose
of promoting
products and
services
available in the
United States,
its territories,
possessions and
protectorates.
NORTHERN MUTUAL
INSURANCE makes
no
representation
that materials
in the NORTHERN
MUTUAL INSURANCE
Internet Web
site(s), or the
products and
services
promoted in the
NORTHERN MUTUAL
INSURANCE
Internet Web
site(s), are
appropriate or
available for
use outside the
United States.
Those who choose
to access the
NORTHERN MUTUAL
INSURANCE
Internet Web
site(s) from
outside the
United States do
so on their own
initiative and
are responsible
for compliance
with local laws,
if and to the
extent local
laws are
applicable.
Software from
the NORTHERN
MUTUAL INSURANCE
Internet Web
site(s) is
further subject
to United States
export controls.
No software from
the NORTHERN
MUTUAL INSURANCE
Internet Web
site(s) may be
downloaded or
otherwise
exported or
re-exported (i)
into (or to a
national or
resident of)
Cuba, Iraq,
Libya, North
Korea, Iran,
Syria or any
other country to
which the United
States has
embargoed goods;
or (ii) to
anyone on the
U.S. Treasury
Department's
list of
Specially
Designated
Nationals or the
U.S. Commerce
Department's
Table of Deny
Orders. By
downloading or
using the
software, you
represent and
warrant that you
are not located
in, under the
control of, or a
national or
resident of any
such country or
on any such
list.
Applicable Law
NORTHERN MUTUAL
INSURANCE is
incorporated in
the State of
Delaware, USA.
As such, the
laws of the
State of
Delaware will
govern these
disclaimers,
terms, and
conditions,
without giving
effect to any
principles of
conflicts of
laws. We reserve
the right to
make changes to
our site and
these
disclaimers,
terms, and
conditions at
any time.
Our Address and
Telephone Number
NORTHERN MUTUAL
INSURANCE
201
Quincy St
Hancock MI 49930
906-482-2880
Effective Date:
April 28, 2004
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