Terms of Use

Welcome to the ShelterPoint website! This site is owned and operated by ShelterPoint Life Insurance Company and all of its subsidiaries (collectively referred to as "ShelterPoint"). By using this site, you agree to the following Terms of Use and Online Privacy Policy. PLEASE READ THE TERMS OF USE AND ONLINE PRIVACY POLICY CAREFULLY. If you do not agree to these Terms, please do not use this site.

The information and services provided by this website are provided on an “as is,” and “as available” basis, as a convenience to producers (agents, brokers and others who are licensed to sell insurance) and the general public (policyholders, employers, insureds, claimants). ShelterPoint assumes no liability or responsibility for any errors or omissions in the content of this site. The material in this site could include technical inaccuracies, typographical errors, or omissions. We reserve the right to correct any errors or omissions and to change or update information at any time without prior notice.

This site contains general information about ShelterPoint's products and services only within those states where ShelterPoint is currently licensed. ShelterPoint products are not available outside the United States and not all products are available in all states. For a listing of states where ShelterPoint maintains licenses, see the Corporate section. The materials offered through this website do not constitute an offer of insurance or guarantee insurability in any jurisdiction. More information about products and their availability can be accessed in the Product Portfolio section of this site or requested from marketing@shelterpoint.com.

Accessing this Website and Account Security

To access this website and/or some of the services it offers, you may be asked to provide registration details or other information. Licensed producers (agents and brokers) must obtain a ShelterPoint producer number to register for access restricted areas of this website. You agree that all information you provide on this website is correct, current and complete, and that all information you provide through the use of this website is governed by our Online Privacy Policy. Online Privacy & Personal Information

ShelterPoint understands the importance of protecting your privacy and we are committed to preventing unauthorized access or misuse of your information. Our website is secured by VeriSign. Personal information (such as your name, social security number, federal tax identification number, mailing address, e-mail or policy information) is not automatically collected from visitors that browse public areas of our website. In order to access pages involving policyholder or producer transactions, all users must complete a registration process. We only collect personal information you provide when filing out an online form or registering for an online account. Personal information provided during inquiries and/or registration is NOT sold, shared or disclosed to third parties. However, we may release your personal information when required by federal, state or local law or regulation. Despite our reasonable efforts to protect your privacy, we cannot guarantee that unauthorized access will not occur. You are responsible for safeguarding your log in/account information and ShelterPoint will not be liable for any losses suffered resulting from your failure to do so. If your communication includes personal information that you do not wish to provide electronically, please contact us at:

All activity on this site is subject to monitoring at any time by ShelterPoint. Using this site is evidence of your consent to such monitoring and to your agreement that ShelterPoint may use the results of such monitoring without limitation. For more information please read our Online Privacy Policy.

Restriction on Use of Materials

Materials from this website, including text on the pages of this site, downloadable brochures, forms, videos, or materials in any other format, may not be copied, reproduced, republished, uploaded, posted, displayed, transmitted, linked to, or distributed in any way without prior written consent. Producers may download, print, or copy materials for marketing and informational use only within their own offices and for client presentations. Individuals (policyholders, employers, insureds, claimants) may download, print, or copy materials for personal, noncommercial use only. Modification or use of any ShelterPoint materials for any other purpose is a violation of copyright, service mark, trademark and other proprietary rights. No right, title, or interest in any content is transferred to you as a result of any downloading or printing any materials. Further, you may not imitate, modify, alter, create derivative works from, license, sell or participate in any sale of, or exploit in any way, in whole or in part, any of the contents without prior written permission.

Permission may be obtained by contacting the Marketing Department at (800) 365-4999. If any of these Terms are breached your authorization to use this site is automatically terminated and you must immediately destroy any materials in your possession obtained from this website.

Copyrights and Trademarks

The entire content of this website is copyright-protected under the laws of the United States. ShelterPoint Life is the copyright owner of all text and other materials, including but not limited to video clips, PDF brochures, and forms contained on this site. All trademarks, service marks, logos, icons and unique product descriptive names (including, but not limited to, ShelterPoint^SM, BaseLine insurance, FlexLine Insurance, "if you can spell it, you can sell it") are the property of ShelterPoint Life. All rights are reserved. Trademarks, service marks, or any other proprietary material may not be used, copied, reproduced, republished, uploaded, posted, displayed, transmitted, linked to, or distributed in any way without prior written permission from ShelterPoint.

All stock images are the copyrights of their respective owners and are licensed for use. Any other names mentioned on this site (whether in the materials or through links to other sites) may be the trademarks of their respective owners. You may only view, download, and print the contents displayed on this site subject to the conditions of these Terms of Use.

Limitations of Liability

By using this site you agree to defend, indemnify, and hold ShelterPoint harmless from and against any and all liability, loss, claims, damages, costs and expenses, including attorneys’ fees, arising from or related to your use of the site. ShelterPoint is not liable for any direct, indirect, incidental, special, consequential or punitive damages that result or may result from use of or the inability to use material contained on this website, regardless of whether such alleged damages are or may be caused in whole or in part by negligence or any other action of ShelterPoint, its employees, agents, officers or directors. ShelterPoint will not be liable for any defamatory, offensive or illegal conduct or actions of any user. Any use of this site for illegal purposes or potentially illegal activities will be provided to law enforcement authorities.

ShelterPoint does not represent, warrant or guarantee that this website (or the server it is located on) is free from viruses, worms, Trojan horses or other harmful components. Under no circumstances will ShelterPoint be liable for any direct, indirect, incidental, special, or consequential damages that may result from the use of the materials on this site or a site that is accessed through this site. ShelterPoint is not responsible for technical, hardware or software failures of any kind, lost or unavailable network connections, and/or incomplete or delayed computer transmissions.

ShelterPoint does not represent or warrant that any of the information presented on this website will be free from any errors or that defects will be corrected, or that links to other web pages will be active. If you disagree with or are not satisfied with the material on this web site, or with any of ShelterPoint’s terms and conditions, your sole and exclusive remedy is to discontinue use of this site. If you find an error or defect in this website, contact the webmaster at helpdesk@shelterpoint.com.

Links to Third-Party Websites

For your convenience, we may provide links to third-party sites that are not maintained by ShelterPoint. We do not endorse these sites, are not responsible for their content, and accept no responsibility for any loss or damage that may arise from your use of them. Privacy Policies on those linked sites may be different from our Policy, and we encourage you to review the Privacy Policy of any site before disclosing any personal information. ShelterPoint is not liable for the accuracy, relevancy, copyright compliance, legality, or decency of material contained on any third-party site. If you decide to access any of the third-party sites linked to this Site, you do so at your own risk.

Governing Law and Jurisdictional Statement

These Terms of Use will be governed by and be interpreted pursuant to the laws of the State of New York without giving effect to any choice or conflict of law provision or rule. Any dispute, claim or controversy arising out of or relating to this website and these Terms of Use or the breach, termination, enforcement, interpretation or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by arbitration in New York County, NY before one arbitrator. The arbitration shall be administered by JAMS pursuant to its Comprehensive Arbitration Rules and Procedures and in accordance with the Expedited Procedures in those Rules. Judgement upon the award rendered by the arbitrator may be entered in any court having jurisdiction. This clause shall not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction.

This site is operated from ShelterPoint Life's headquarters in Garden City, New York, and makes no representation concerning the appropriateness or availability of materials for use in states where ShelterPoint Life and/or any of its subsidiaries are not licensed to sell insurance. Click here for our full Geographic & Jurisdictional notice.

Severability

If any part of these Terms is found to be unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions.

Changes to these Terms of Use

ShelterPoint reserves the right to modify or amend these Terms at any time. Any changes will be effective immediately and will supersede any prior policies. We encourage you to review this page periodically for the most recent Terms of Service, as it may be revised in whole or in part without notice. Use of this website signifies your acceptance of its Terms of Use at any time. If you do not agree with these Terms of Use, do not use this website. These Terms of Use were last updated on 07/15/16.

Termination

ShelterPoint retains the right to cancel any account or restrict access to this website in any manner, at any time, with or without notice, for any reason. ShelterPoint will not be liable to you or any third party for any modification, disruption, suspension or discontinuance of the website or any service it provides. These Terms are effective until changed or discontinued by ShelterPoint. You may at any time discontinue use of this site and destroy all materials obtained from this site and all related documentation and all copies of such materials.