TERMS OF USE

NOTICE

Nothing on this website constitutes an offer of insurance. Eligibility for insurance coverage will be determined at the time of application, based upon the insurer's underwriting guidelines and rules in effect at that time. The insurance products referenced in this website may be altered by the insurer at any time. All insurance products are subject to terms, conditions and exclusions not described on this website.

Permitted Uses and Users

We (the "Agency") provide this Web site ("Site") without charge to adult members of the general public ("Users") for the purpose of providing Users information about Agency, its services, insurance services in general and ERIE® insurance services1 in particular, and other information, including policy information for policyholders. The Site may be used for that purpose only and not for any other purposes. By using the Site, you represent that you are at least eighteen (18) years of age. If you are not 18, do not use the Site.

Agreement to be Legally Bound by These Terms of Use

By using the Site, downloading materials from the Site or obtaining quotes, you agree to abide and be legally bound by these terms of use and any term or conditions within the Site itself (collectively, "Terms of Use"). If you do not agree to abide and be legally bound by these Terms of Use do not use the Site or download information or quotes from the Site.

Limited License

Subject to these Terms of Use, Agency grants you a non-exclusive, non-transferable, limited right to access, use and display this Site and the materials and information thereon ("Information"). You agree not to interrupt or attempt to interrupt the operation of the Site.

You may use the Site and view and download the Information only for the purposes stated above. This license is not a transfer of title in the Information or any copies of the Information and is subject to the following restrictions: 1) you must retain, on all copies of the Information downloaded, all copyright and other proprietary notices contained in the Information; 2) you may not modify the Information in any way or reproduce or publicly display, perform, or distribute or otherwise use the Information for any public or commercial purpose; 3) you must not transfer the Information to any other person unless you give them notice of, and they agree to accept, the obligations arising under these Terms of Use; and 4) you may not use the Site or Information to send the Agency or any other person unsolicited commercial e-mail or business proposals of any kind or to harvest e-mail addresses for the sending of such e-mail or proposals. You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time. This Site, including all Information, is protected by worldwide copyright and trademark laws and treaty provisions. You agree to comply with all copyright laws in your use of this Site and to prevent any unauthorized copying of the Information. Except as expressly provided herein, neither Agency nor ERIE grants any express or implied right to you under any patents, trademarks, copyrights or trade secrets.

DISCLAIMER OF LIABILITY

ALL INFORMATION PROVIDED THROUGH THE SITE, INCLUDING WITHOUT LIMITATION PRODUCTS, SERVICES, PROGRAMS AND PRICES, IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND ABOUT THE NATURE, ACCURACY, RELIABILITY, COMPLETENESS OR AVAILABILITY OF SUCH INFORMATION. SUCH INFORMATION MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY INFORMATION WILL BE AT YOUR SOLE RISK. AGENCY RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY INFORMATION. AGENCY MAY MAKE ANY OTHER CHANGES TO THE SITE OR ANY INFORMATION AT ANY TIME WITHOUT NOTICE.
WITHOUT LIMITING THE ABOVE, AGENCY AND ERIE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, OF ANY KIND WITH RESPECT TO THE INFORMATION, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT, TITLE, UNINTERRUPTED AVAILABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE.
SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES. IF THAT IS THE CASE, THE FOREGOING DISCLAIMER MAY NOT APPLY TO YOU. YOU MAY ALSO HAVE OTHER LEGAL RIGHTS IN SOME STATES.

TO THE EXTENT YOU ARE GRANTED ACCESS VIEW YOUR POLICY SUMMARY, BE ADVISED THAT THE POLICY SUMMARY IS NOT A LEGALLY BINDING DOCUMENT AND THE TERMS OF THE ACTUAL POLICY GOVERN YOUR INSURANCE COVERAGE.

LIMITATION OF DAMAGES

IN NO EVENT WILL AGENCY, ERIE OR THEIR EMPLOYEES, OFFICERS, DIRECTORS OR ANY OF THEIR SUBSIDIARIES OR AFFILIATES BE LIABLE TO ANY PERSON OR ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON ANY INFORMATION HANDLING SYSTEM, EXPOSURE TO VIRUSES, WORMS, OR OTHER DESTRUCTIVE ELEMENTS, OR CLAIMS OF THIRD PARTIES) THAT ARE RELATED TO THE USE OF, OR THE INABILITY TO USE, THE INFORMATION OR FUNCTIONS OF THE SITE OR ANY LINKED WEB SITE, INCLUDING, WITHOUT LIMITATION, ANY LIABILITY FOR UNAUTHORIZED ACCESS TO, OR ALTERATION, THEFT OR DESTRUCTION OF ANY INFORMATION DISTRIBUTED OR MADE AVAILABLE FOR DISTRIBUTION THROUGH THE SITE THROUGH ACCIDENT, FRAUDULENT MEANS, OR DEVISES, EVEN IF AGENCY OR ERIE IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION APPLIES TO ALL CAUSES OF ACTION AND CLAIMS IN THE AGGREGATE, INCLUDING BREACH OF CONTRACT, BREACH OF WARRANTY, NEGLIGENCE, STRICT LIABILITY, MISREPRESENTATIONS, AND OTHER TORTS.

Third Party Sites

As a convenience to you, Agency may provide on the Site links to Web sites operated by other persons or entities. If you use these sites, you will leave this Site. If you decide to visit any linked site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. Neither Agency nor ERIE makes any warranty or representation regarding, and neither Agency nor ERIE endorses, any linked Web sites or the information appearing thereon or any of the products or services described thereon. Links do not imply that Agency, ERIE or this Site is affiliated or associated with the linked site or its owner or sponsor, or that any linked site is authorized to use any trademark, trade name, logo or content of Agency, ERIE or any other party.

Information Provided By You

Agency does not want you to, and you should not, send any confidential or proprietary information to Agency via the Site, other than, should you wish to do so, by use of the quoting functions made available on the Site and providing the information requested or required as part of those functions. Do not send other business proposals, suggestions, inventions, concepts or ideas (collectively, "Unsolicited Information") to Agency through the Site. You agree that any Unsolicited Information that you or individuals acting on your behalf provide to Agency will not be considered confidential or proprietary, except to the extent it is covered by federal or state privacy laws or Agency's Privacy Policy. If, despite Agency's request that you not provide Unsolicited Information, you still provide such Unsolicited Information, you agree that such Unsolicited Information shall be deemed, and shall remain, the exclusive property of Agency. You further recognize that Agency does not want you to, and you warrant that you will not, provide any information to Agency that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.

Password Accounts, Passwords, and Security

If you have been given the option to open an account on this Site which will provide you with access to password protected portions of the Site and you elect to do so, you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form, and choose a password and user name. You are entirely responsible for maintaining the confidentiality of your password and account and for any and all activities that occur under your account. You agree to (a) immediately notify us of any unauthorized use of your account or any other breach of security of which you become aware, and (b) exit completely from your account at the end of each online session. We will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by us or another party due to someone else using your account or password. You may not use anyone else's account at any time, without the permission of the account holder.

Location of Use and Choice of Law

This Site is controlled, operated and administered by Agency from its offices within the United States of America. Agency makes no representation that Information at this Site is appropriate or available for use at other locations outside of the United States and access to them from territories where their contents are illegal is prohibited. The Site may not be used to sell insurance products in any state where Agency and ERIE are not licensed to do business, and Agency hereby expressly disclaims any intent to advertise, sell or solicit the sale of any insurance or annuity products in any such state. You may not use the Site or export the Information in violation of U. S. export laws and regulations. If you access this Site from a location outside of the United States, you are responsible for compliance with all local laws.

The laws of the state where Agency is headquartered will govern these Terms of Use, without giving effect to any of its conflict of laws provisions that would direct the application of the laws of any other jurisdiction.

Violations of Terms of Use

Agency reserves the right to pursue all available remedies, including the right to block access to the Site from a particular Internet address, against anyone who violates these Terms of Use or who misuses the Site or any of the features, functions or Information thereon, or who interferes with the operation of the Site or the use thereof by others.

Changes

We reserve the right, at our sole discretion, to modify, add or remove any portion of these Terms of Use in whole or in part, at any time. Changes will be effective when they are posted. The modified Terms of Use will apply only to disputes that arise after the modification has been posted on the Web site. After the Terms of Use have been modified, the site will provide a link to a Notification of Modification for Web site users for a period of one (1) year after the effective date of such modification. Your continued use of the site after any changes are posted will be considered acceptance of those changes. We may terminate, change, suspend or discontinue any aspect of the site, including the availability of any features of the site, at any time. We may also impose limits on certain features and services or restrict your access to all or part of the site without notice or liability.

Relation to Other Agreements or Policies

This Agreement constitutes the entire agreement between Agency and you with respect to your use of the Site. In addition, use of this Site is subject to all applicable policies relating to doing business with Agency, including but not limited to Agency's Privacy Policy.

Severability

If for any reason a court of competent jurisdiction finds any provision of the Agreement or portion thereof, to be unenforceable, that provision will be enforced to the maximum extent permissible so as to effect the intent of the Agreement, and the remainder of this Agreement will continue in full force and effect.

Waiver

Failure by Agency, in any instance, to exercise or enforce any of its rights under these Terms of Use shall not constitute waiver of such right or any other rights under these Terms of Use.

Privacy Policy

Our Web Site Privacy Policy describes the details of our information practices and procedures for personal information we collect at this web site. We urge you to read our Web Site Privacy Policy.

1 ERIE® insurance services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Company of New York, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (collectively, "ERIE").

Rev. 9/16/2009