The following terms and conditions ("Terms of Use") govern the relationship between you and United States Fire Insurance Company acting through its Fairmont Specialty^SM division. United States Fire Insurance Company is a member of the Crum & Forster^® group of companies. By using this web site you are agreeing to comply with and be legally bound by the terms and conditions set out in these Terms of Use. If these Terms of Use are not acceptable to you, please do not use this web site. We may update these Terms of Use from time to time and you are responsible for periodically reviewing the most current version. Your continued use of this web site will be deemed your conclusive acceptance of the updated Terms of Use.

Rights Granted and Restrictions on Use:
Fairmont grants to you a limited non-exclusive, non-transferable license to view, copy and print the material on this web site (other than the design or layout of this web site) for your non-commercial or personal use only. All copies that you make must retain all copyright and other notices that are on this web site. Except as provided in the previous sentence, you may not use, distribute, sell, modify, transmit, revise, reverse engineer, republish, post or create derivative works (where applicable) of the trade-marks, trade names, logos, information, software or other material or content in these Terms of Use, referred to (collectively, as the "content") of this web site without Fairmont's prior written permission. You acknowledge and agree that this web site and its content are the property of Fairmont, its affiliates or their respective service providers, suppliers or licensors and you will not acquire any rights or licenses in any trade-marks, patents, copyright or other intellectual property on this web site or in its content. This web site and its content are protected by copyright, both individually and as a collective work or compilation and by trade-mark law, patent law and any other applicable laws.

Your Authority to Use this Web Site:
By using this web site, you are representing to us that you have the power and authority to accept these Terms of Use and to enter into this agreement with us, that you are capable of assuming, and do assume, any risks related to the use of this web site and its content, and that you understand and accept the terms, conditions and risks relating to their use. If you are dissatisfied with this web site or its content, your sole and exclusive remedy is to stop using it.

Disclaimers:
The content on this site is for informational purposes only. Fairmont and each of its affiliates, licensors, service providers and suppliers assume no liability for any inaccurate, delayed or incomplete information, nor for any actions taken in reliance thereon. The information contained on this web site provided by any third party, including, without limitation, the information obtained through any link, has been supplied without verification by us. Neither Fairmont nor any of its affiliates, licensors, service providers or suppliers makes or has made any recommendations regarding the securities or investment services of any person or entity with respect to the content of this web site, or of the advisability of investing in securities generally for any particular individual.

THIS WEB SITE COULD INCLUDE TECHNICAL OR OTHER INACCURACIES OR TYPOGRAPHICAL ERRORS AND IT IS PROVIDED TO YOU ON AN "AS IS" BASIS WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND. FAIRMONT, ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS AND SUPPLIERS MAKE NO REPRESENTATION AND DISCLAIM ALL EXPRESS AND IMPLIED WARRANTIES AND CONDITIONS OF ANY KIND, INCLUDING WITHOUT LIMITATION, REPRESENTATIONS, WARRANTIES OR CONDITIONS REGARDING ACCURACY, TIMELINESS, COMPLETENESS, NON-INFRINGEMENT, SATISFACTORY QUALITY, MERCHANTABILITY, MERCHANTABLE QUALITY OR FITNESS FOR ANY PARTICULAR PURPOSE OR THOSE ARISING BY LAW, STATUTE, USAGE OF TRADE, OR COURSE OF DEALING. FAIRMONT, ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS AND SUPPLIERS ASSUME NO RESPONSIBILITY TO YOU OR ANY THIRD PARTY FOR THE CONSEQUENCES OF ANY ERRORS OR OMISSIONS. FAIRMONT RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THIS WEB SITE. FAIRMONT MAY MAKE ANY OTHER CHANGES TO THIS WEB SITE AT ANY TIME WITHOUT NOTICE.

No Damages:
FAIRMONT, ITS AFFILIATES AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS SHALL NOT, UNDER ANY CIRCUMSTANCES, BE LIABLE FOR ANY DIRECT, CONSEQUENTIAL, INCIDENTAL, INDIRECT OR SPECIAL DAMAGES, OF ANY KIND, OR ANY OTHER DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION, THOSE ARISING FROM ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE UPON THE CONTENT OR THOSE RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER RESULTING FROM THE USE OF OR INABILITY TO USE ANY CONTENT ON THIS WEB SITE (OR A WEB SITE LINKED TO THIS WEB SITE), OR ANY OTHER CAUSE; AND EVEN IF CAUSED BY FAIRMONT'S OR ITS AFFILIATE'S OR EITHER OF THEIR RESPECTIVE LICENSORS', SERVICE PROVIDERS' OR SUPPLIERS' NEGLIGENCE, AND EVEN IF ANY OF THEM HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING.

THE ABOVE LIMITATIONS AND EXCLUSIONS SHALL APPLY TO YOU TO THE FULLEST EXTENT THAT APPLICABLE LAW PERMITS, IN ALL ACTIONS OF ANY KIND, WHETHER BASED ON CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE) OR ANY OTHER LEGAL OR EQUITABLE THEORY. ANY CLAUSE DECLARED INVALID SHALL BE DEEMED SEVERABLE AND NOT AFFECT THE VALIDITY OR ENFORCEABILITY OF THE REMAINDER OF THESE TERMS OF USE.

Trademarks:
You are not permitted to use any of the trademarks of Fairmont, its affiliates or their respective licensors, suppliers or service providers displayed on this web site without the prior written consent of Fairmont or the third party that owns the trademark.

Hyperlinks:
Unless you have a written agreement in effect with Fairmont which states otherwise, you may only provide a hypertext link to the Fairmont web site on another web site, provided that (a) the link must be a text-only link clearly marked "Fairmont Home Page"; (b) the link must "point" to (i.e. link the user directly to) the URL http://www.fairmontspecialty.com and not to other pages within the Fairmont web site; (c) the appearance, position and other aspects of the link may not be such as to damage or dilute the goodwill associated with Fairmont's name and trademarks; (d) the appearance, position and other aspects of the link may not create the false appearance that an entity is associated with or sponsored by Fairmont; (e) the link, when activated by a user, must display the Fairmont web site full-screen and not within a "frame" on the linked web site; and (f) Fairmont reserves the right to revoke its consent to the link at any time in its sole discretion.

Non-Confidential Use of Your Postings:
Any non-personal communication, comments, ideas or material you post or transmit to Fairmont is, and will be treated as, non-confidential and non-proprietary. By transmitting or posting any communication or material to this web site you grant to Fairmont and all of its affiliates, an unrestricted, irrevocable license to use, reproduce, display, modify, transmit, distribute, publish, broadcast or post your communication for any purpose. You also agree that Fairmont is free to use any ideas, concepts, know-how or techniques that you send us for any purpose. However, we will not release your name or otherwise publicize the fact that you submitted materials or other information to us unless: (a) you grant us permission to do so; (b) we first notify you that the materials or other information you submit to a particular part of a web site will be published or otherwise used with your name on it; or (c) we are required to do so by law.

Protecting Information:
We have reasonable security measures in place to protect against the loss, misuse and interception by third parties of the information under our control. However, complete confidentiality and security is not yet possible over the Internet. We assume no liability for any damages you may suffer as a result of interception, alteration or misuse of information transmitted over the Internet.
Changes to Terms of Use:
Fairmont reserves the right to revise these Terms of Use at any time without notice to you. You are bound by such revisions so we encourage you to visit this page frequently to stay informed.

Violations of Terms of Use:
Fairmont reserves the right to seek all remedies available at law and in equity for violations of these Terms of Use, including the right to block access from a particular Internet address to our site.

Other Countries:
This web site can be accessed from countries around the world other than United States and may contain references to Fairmont products, services, and programs that have not been announced in your country. These references do not imply that Fairmont intends to announce such products, services or programs in your country. Fairmont makes no representation that the content on this web site is appropriate or available for use in other locations, and accessing this web site from territories where its content is illegal is prohibited. Those who choose to access this web site from other locations do so on their own initiative and their own risk and are responsible for compliance with local laws.

BY USING THIS WEB SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE, UNDERSTAND THEM AND AGREE TO BE BOUND BY ALL OF THE TERMS AND CONDITIONS IN THESE TERMS OF USE.

© United States Fire Insurance Company.   Insurance and insurance-related services are provided by members of the Crum & Forster® group of companies. Crum & Forster® and C&F® are registered service marks of United States Fire Insurance Company. All rights reserved.