Terms of Use
Acceptance of Terms
By using this website, you acknowledge your agreement to the following terms and conditions, without limitation or qualification. Please read these terms carefully. These Terms of Use may be changed, modified, supplemented, or updated at any time, with or without advance notice. You agree to be bound by any such modifications. It is your responsibility to visit the link at the bottom of the Waypoint Mutual web page periodically to review the most current terms and conditions. If you do not agree with these Terms of Use, you should immediately stop using this website.
This website is owned and maintained by Waypoint Mutual and its affiliated companies (hereinafter collectively referred to as “we”, “us”, “our” or “Waypoint Mutual”). The following terms and conditions apply to all users of this website, though we may choose to add to or supersede certain provisions herein with other provisions located in other parts of this website. You further acknowledge that the current Terms of Use and Online Privacy Policy, in addition to any other policies posted on this website constitute the entire agreement between you and Waypoint Mutual in connection with your use of this website, and the content and software herein. You represent and warrant that any information you provide via the website or electronic mail is true and accurate to the best of your knowledge. You acknowledge that the information you may enter or provide is material to any decision by underwriting as it relates to your policy or a policy for which you are the broker of record, and that any decision impacting a policy would be made in reliance upon the sufficiency and accuracy of the information provided.
Disclaimer
To the fullest extent permissible pursuant to applicable law, the materials and software on this website are provided on an “as is” or “as available” basis and without warranties of any kind, either express or implied. Waypoint Mutual disclaims all warranties, express or implied, including, but not limited to, any implied warranties of merchantability and fitness for a particular purpose. Waypoint Mutual does not warrant that the website’s functions will be uninterrupted, non-infringing, or error-free, that any such defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components.
All information on this website is for general informational purposes only, and is not offered as legal, accounting or other professional advice. The descriptions of Waypoint Mutual’s products and services on this website, including any sample forms or wordings, are not necessarily intended to be complete descriptions of all applicable terms, exclusions, and conditions and are provided solely for general informational purposes. Any statement regarding insurance coverage herein is subject in all respects to the specific terms and conditions of the actual applicable policy or product or service agreement. Complete policy terms are available upon request.
While Waypoint Mutual uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes do occur. Waypoint Mutual does not warrant or make any representations regarding the use or the results of the use, of any of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. Tools on this website are available only as a convenience to users and are not intended to generate advice or recommendations upon which a user may rely. Waypoint Mutual does not warrant or make any representations regarding the correctness, accuracy, or reliability of the results generated by any such tools. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you if you are a resident of any such state. You may also have other legal rights that vary from state to state.
Limitation of Liability
To the fullest extent permissible pursuant to applicable law, you understand and agree that under no circumstances, including, but not limited to, negligence, shall Waypoint Mutual be liable to you for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Waypoint Mutual or an authorized representative of Waypoint Mutual has been advised of the possibility of such damages. Waypoint Mutual 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 of this website or your downloading of any materials, data, text, images, video, or audio from this website. Some states do not allow the limitation of liability, so the foregoing limitation may not apply to you.
You agree to indemnify, defend, and hold harmless Waypoint Mutual against any and all losses, liabilities, expenses, damages, and costs, including reasonable attorneys’ fees and court costs, arising or resulting from your use of this website or any violation of these Terms of Use. If you cause a technical disruption to the website or the systems transmitting the site to you or others, you agree to be responsible for any and all losses, liabilities, expenses, damages, and costs, including reasonable attorneys’ fees and court costs, arising or resulting from that disruption. Waypoint Mutual reserves the right, at its own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with Waypoint Mutual in the defense of such matter.
Third Party Content
This website may contain hyperlinks to other websites which are not owned or maintained by Waypoint Mutual. Waypoint Mutual is not responsible for the content or privacy practices of such websites. These hyperlinks are provided solely for your convenience, and do not imply Waypoint Mutual approval or endorsement of such sites or the content therein. We do not control such websites, and assume no responsibility for their content or accuracy, even though Waypoint Mutual name or logo may appear on certain pages of such third-party sites. We accept no liability for any information, products, advertisements, content, services, or software accessible through such third-party websites or for any action you may take as a result of linking to any such website. We recommend that you carefully read the privacy policies and user agreements of these sites, which will solely govern your use thereof.
Ownership of Information
With the exception of personal data (which shall be maintained in accordance with our Online Privacy Policy) any information you transmit to Waypoint Mutual via this website, by electronic mail, direct entry, submission, or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of Waypoint Mutual. Such information may be used for any purpose, including, but not limited to, reproduction, solicitation, disclosure, transmission, publication, broadcast, and posting. Waypoint Mutual shall be free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Waypoint Mutual via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. Waypoint Mutual may modify or discontinue any of the materials, content, or software, or any portion thereof, that appears on this website at its discretion, with or without notice. Waypoint Mutual will not be liable to you or any third party for the effects of any such modification or discontinuance.
Consent to Communicate Electronically
By utilizing or providing your contact details through the Waypoint Mutual website, you are consenting to receive communications from us electronically