Terms of Use

To the fullest extent permitted by applicable law, the materials on this website are provided as-is and without warranties of any kind, expressed or implied. American International Group, Inc. and its subsidiaries and affiliates (collectively, “AIG”) disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose, non-infringement, security or accurateness. AIG does not warrant that the functions of this website and the materials contained herein will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components.

AIG does not warrant or make any representations regarding the use or the results of the use, of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not AIG) assume the entire cost of all necessary servicing, repair, or correction of any device or computer you use to access this website.

The information and descriptions contained herein are not necessarily intended to be complete descriptions of all applicable terms, exclusions and conditions and are provided solely for general informational purposes. Companies and individuals should not rely on the information provided on this website for the prevention or mitigation of risks or as an explanation of coverage or benefits under an insurance policy. If you are an AIG customer, you may be subject to other agreements with AIG. These Terms of Use apply to use of this website and do not change or alter any other contract or agreement between you and AIG. Please refer to your policy documentation for more information regarding any applicable AIG service or product.

This website may contain links to other websites which are not maintained by AIG. AIG is not responsible for the content of such websites. The inclusion of any link to such websites does not imply AIG's approval or endorsement of such sites or the content thereof. AIG cannot guarantee that the links set out on our website will be accurate at the time of your access. Moreover, the sites pointed at by links have been independently developed and possibly maintained by person(s) over whom AIG has no control.

AIG cannot and does not monitor the third party sites linked to its pages on the Internet or any transmission made through the respective web pages and news groups. Accordingly, AIG assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. AIG believes that our making available links to publicly accessible web pages is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

While AIG uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. To the fullest extent permitted by applicable law, AIG makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall AIG or any party involved in creating, producing, or delivering this website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if AIG or a AIG authorized representative has been advised of the possibility of such damages. In no event shall AIG’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website. AIG also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in this website or your downloading of any materials, data, text, images, video, or audio from this website.

You (and not AIG) will be responsible for any liability arising out of your access to, or use of, this website or its contents in a manner other than as expressly authorized by these Terms of Use or your violation of applicable laws or any rights of any third party.

This website is owned and operated by AIG. Except as otherwise expressly permitted by AIG, no materials from this website or any website owned, operated, licensed or controlled by AIG may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without AIG’s prior written permission. AIG neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.

Unless otherwise expressly set forth herein, AIG makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so by their own initiative and are responsible for compliance with local laws. Except as expressly set forth herein, the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service offered by AIG. No security, insurance product or other product or service is offered or will be sold by AIG or, if sold by AIG, will be effective in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction.

Some products and services may not be available in all jurisdictions. The content and materials contained in this website is to be construed in accordance with and governed by the internal laws of the State of New York (as permitted by Section 5-1401 of the New York General Obligations Law or any similar successor provision), without giving effect to any choice of law rule that would cause the application of the laws of any jurisdiction other than the internal laws of the State of New York to the rights and duties of the parties.

Subject to any specific agreement entered into by and between AIG and you, your client(s), or your authorized representative(s) with respect to the ownership of information and/or confidentiality, other than personal data or information you transmit to AIG via this website, any information you transmit to AIG via this website (whether by electronic mail or otherwise, including data, questions, comments, or suggestions) will be treated as non-confidential and non-proprietary and will become the property of AIG. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. AIG is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to AIG via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

For more information, please refer to AIG’s local country website specific to your particular country, if applicable. Any collection, use, processing, transfer and disclosure of any personal data will be subject to the Privacy Policy of the specific country, which can be accessed via this link: https://www.aig.com/globalprivacy .

All trademarks, service marks, trade names, logos, and icons are proprietary to AIG. Nothing contained on this website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of AIG. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of, or used with the permission by AIG. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by AIG. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

You acknowledge that any software, portals, platforms and/or online systems (collectively, “Software”) which may be available or provided to you on this website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export any such Software in violation of such applicable export control laws and regulations. AIG does not authorize the downloading or exportation of any Software or technical data from this website to any jurisdiction where such activity is prohibited by export controls laws and regulations.

You are required to use a username and password (“Password”) to access the website, including any software, portals, platforms and/or online systems that may be available therein. Your Password must be kept confidential at all times and should not be provided to any other party. You are responsible for keeping your Password confidential and protecting it against improper and unauthorized use. You are solely responsible for any and all claims, losses, damages, expenses and costs incurred by the improper or unauthorized use of your Password and/or the use of your Password by others. If you believe that your Password has been lost or stolen, that someone has improperly accessed your account without your permission, or that the security of your Password has been compromised in any way, you must advise AIG immediately you’re your learning of such information.

Copyright Compliance Unit

AIG.COM, Inc. and American International Group, Inc.

175 Water Street

New York, NY 10038

DMSGovernance@aig.com

201-360-1246

The information provided herein is for informational purposes only, and is not intended to be a full and complete description of the actual or proposed transaction(s) or other information summarized herein. The information provided herein has been compiled from sources believed to be reliable, however, no warranty, guarantee, or representation of any kind, either expressed or implied, is made as to the correctness or sufficiency of any information contained herein.

Certain information provided herein regarding the status of actual or proposed transactions summarized herein, including any proposed and/or requested revisions and/or modifications thereto, may be delayed from the actual effective time or date of such transactions. Please refer to the insurance company's written communication(s) regarding the particular transaction(s) summarized herein (including, but not limited to, the insurance company’s actual issued indication(s), conditional quote(s), quote(s), temporary and conditional binder(s), final binder(s), policy(ies), and/or endorsement(s)) for complete terms and conditions of the transactions for which information is provided herein.

By accessing and viewing the information provided herein regarding the actual or proposed transaction(s) summarized herein, you are representing and affirming to the insurance company that is, or is proposed to be, a party to such transaction(s) that you have been duly authorized by the insured(s) (whether actual or prospective, as applicable) that is a party to such transaction(s) to access such information on its behalf.

To the extent applicable, system availability and response time are subject to maintenance and possible unscheduled outages. Further, to the extent applicable, any and all use of, and access to, platforms/online systems that may be accessed by you via or otherwise in connection with this website are subject to the terms and conditions of any agreement(s) with AIG.

1. Unless the context otherwise requires, for the purpose of this Protection of Personal Data section, “Data Protection Law” means all applicable laws and regulations, in each case pertaining to the security, confidentiality, protection or privacy of personal data, as amended or re-enacted from time to time, including (without limitation and to the extent applicable) the European General Data Protection Regulation (Regulation (EU) 2016/679) (the “GDPR”) and terms “controller,” “processor,” “processing/process,” “personal data” and “data subject” shall be interpreted and construed by reference to Data Protection Law.
2. You and AIG (collectively, the “Parties”) agree that, for the purposes of Data Protection Law, each Party (to the extent it processes personal data pursuant to or in connection with this Agreement) processes personal data as an independent data controller in its own right. Nothing in this Agreement (or the arrangements contemplated by it) is intended to construe either Party as the data processor of the other Party or as joint data controllers with one another with respect to personal data.
3. Each Party shall: (1) comply with its obligations under Data Protection Law; (2) be responsible for dealing with and responding to data subject requests, enquiries or complaints (including any request by a data subject to exercise their rights under Data Protection Law) it receives, unless otherwise agreed between the Parties; and (3) promptly (and without undue delay) notify the other Party in writing of any security incident affecting the personal data, including the unlawful or unauthorised processing of Personal Data, to the extent the security incident is likely to affect the other Party.
4. Without prejudice to paragraph C above, each Party (the “Disclosing Party”) agrees that if it provides personal data to the other Party (the “Receiving Party”), it shall ensure that it has provided all necessary information to, and obtained all necessary consents from, the data subjects of the personal data, in each case to enable the personal data to be disclosed for the purposes of this Agreement and in accordance with Data Protection Law.
5. In relation to the personal data it receives from the Disclosing Party, each Party shall at all times process the personal data in a manner that ensures appropriate security of the personal data, including protection against unauthorised or unlawful processing and against accidental loss, destruction or damage, using appropriate technical and organisational measures, and the measures shall, at a minimum, comply with the requirements of Data Protection Law, including Article 32 of the GDPR.
6. Where either Party transfer personal data outside the European Economic Area in order to fulfil their obligations under this Terms of Use, they shall put in place appropriate safeguards to protect the rights and freedoms of data subjects, such as standard model contract clauses approved by the European Commission (“Model Clauses”) or such other transfer mechanism approved by the European Commission.

AIG reserves the right to change these Terms of Use in order to address future developments of AIG, the website or changes in industry or legal trends. If any portion of these Terms of Use is found to be unenforceable, the remaining sections of the Terms of Use will remain in effect.

Last Updated February 19, 2019