Welcome to Stonetrust! We invite you to access and use our website and all related pages and services, but please note that your access to and use of our website is subject to these Terms of Use. The following information describes in detail all rights relating to the provision of our website, web pages, and other associated services, so please review these terms carefully. If you do not agree with these Terms of Use, please exit this website.
AGREEMENT BETWEEN USER AND STONETRUST
Our website – stonetrustinsurance.com – is comprised of various web pages operated by Stonetrust Commercial Insurance Company (“Stonetrust”). The information contained on this site is provided free of charge to you, the user, and all information contained herein is intended to be used for informational purposes only. Unless otherwise stated, the contents of this site including, but not limited to, the text and images contained herein and their arrangement are and shall remain the property of Stonetrust. Use of this website and any content herein does not create a business or professional services relationship between you and any party. Any use you make of the information provided on this site is at your own risk. By entering, accessing, and using this site, you accept all such terms, conditions, and notices contained herein and without modification. All information provided on this website is subject to change without notice, including these Terms of Use, and any such changes will take effect when they are posted to the website. You are bound by any revisions and should occasionally review this page for changes. All references to Stonetrust include the companies listed below in Company Information. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Stonetrust with respect to its website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, with respect to the website.
JURISDICTION/VENUE
Use of this website is governed by the laws of the State of Louisiana, United States of America, and the exclusive venue for the resolution of all disputes arising out of or relating to the use of this website is a court of competent jurisdiction in East Baton Rouge Parish in the State Louisiana, United States of America. Use of this website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions including, without limitation, this paragraph. To the extent that any portion of these terms and conditions is invalidated by a court of competent jurisdiction, the remainder of the terms and conditions shall survive with full force and effect. Any part of these terms and conditions that is determined to be invalid or unenforceable will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision.
RESTRICTIONS ON USE OF MATERIALS
Except as otherwise expressly permitted in writing by Stonetrust, the materials from this website or any website owned, operated, licensed, and/or controlled by us may not be copied, reproduced, republished, uploaded, posted, transmitted, hyperlinked, or distributed in any way. The materials displayed on this website may be downloaded and printed for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. Any use of sample and resource materials is subject to the disclaimers below. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes without our written permission. Stonetrust neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with Stonetrust.
LINKS TO THIRD PARTY SITES
Our website may contain links to other websites or services that we do not operate. These websites are not under our control, and we are not responsible for the contents of any such website, including without limitation any link contained in a third party website, or any changes or updates to a third party website. Any use you make of any third party website is at your own risk. These websites are provided to you only as a convenience, and the inclusion of any link and/or service does not constitute nor imply endorsement of the site or any association with its operators.
NO UNLAWFUL OR PROHIBITED USE
As a condition of your use, you warrant that you will not use our website for any unlawful or prohibited purpose. You may not use our website in any manner which could damage, disable, or impair the site or interfere with any other party’s use and enjoyment of same, and you may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through our website.
PRIVACY
You agree that we may collect, use and disclose any information that you provide in accordance with the terms of our Privacy Policy. Please review this policy to understand what information we may collect from you on our website and how we will use and protect your information. We do not collect any personally identifiable information on our website unless you provide it to us. Our performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of our right to comply with governmental, court, and law enforcement requests or requirements relating to your use of our website or information provided to or gathered by us with respect to such use.
INFORMATION PROVIDED BY YOU
All information that you submit to us through this website, including feedback, suggestions, or other information that you post, upload, input, and/or submit to our website or any associated services, if applicable, shall be deemed, and remain, your property. By posting, uploading, inputting, providing, or submitting such information, and/or to the extent any information submitted through this website includes any intellectual property, you hereby assign it to us and grant us permission to use your information including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat your information and to publish your name in connection with your information. Stonetrust shall not be subject to any obligations regarding such information except as expressly indicated in any applicable Privacy Policy contained within the website or if required by law, and no compensation will be paid with respect to any use of your information as provided herein. By providing information to us through our website, you warrant and represent that you own or otherwise control all of the rights to your information including, without limitation, all the rights necessary for you to provide, post, upload, input, or submit the information. Stonetrust prohibits you from providing any information or material that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another person or entity. No warranty is provided that any information submitted with be used, posted, and/or published in any way, and Stonetrust reserves the right to refuse to post material on the website or to remove material already posted on the website.
SAFETY OPERATIONS SERVICES
Online programs and tools may not be available at all times. The information presented in this and any linked website(s) is intended to provide guidance and is not intended as a legal interpretation of any federal, state or local laws, rules, or regulations applicable to your business. The safety information provided is intended only to assist policyholders in the management of potential loss producing conditions involving their premises and/or operations based on generally accepted safe practices. In providing such information, Stonetrust does not warrant that all potential hazards or conditions have been evaluated or can be controlled, and nothing herein is intended as an offer to write insurance for such conditions or exposures. The liability of Stonetrust Commercial Insurance Company and/or any subsidiary is limited to the terms, limits, and conditions of the insurance policies underwritten by any of them.
INSURANCE POLICY, COVERAGE & SERVICES
The information and descriptions of insurance policies, coverage, and services contained in this website are intended as general information and do not contain all of the terms, conditions, limits and exclusions applicable to the policies, coverage, and services offered by Stonetrust. This website does not amend, modify or supplement any insurance policy. Your eligibility for particular policies, coverage, and services is subject to final determination of underwriting qualifications and acceptance by Stonetrust. Nothing contained in this website should be viewed as an offer to sell or as a solicitation to purchase any of Stonetrust’s policies, coverage, or services. Availability of the policies, coverage, and services offered by Stonetrust varies by jurisdiction, and nothing contained herein shall be construed as a solicitation or offer to sell insurance policies, coverage, and services in a jurisdiction in which the solicitation, offer, sale, or purchase thereof would be unlawful.
This website does not make any representation that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any such policy. Whether coverage exists or does not exist for any particular claim or loss under any such policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording. The precise coverage afforded is subject to the terms, conditions, limits and exclusions of the policies as issued and may vary from the general, summarized coverage descriptions in this website. Refer to the actual policy for a full description of applicable terms, conditions, limits and exclusions. In the event of a discrepancy between the descriptions on the website and the insurance policy, the insurance policy shall control.
DISCLAIMER
STONETRUST MAKES NO REPRESENTATION THAT INFORMATION AND MATERIALS ON THIS WEBSITE ARE APPROPRIATE OR AVAILABLE FOR USE IN ANY LOCATION. THE INFORMATION, SERVICES, AND DESCRIPTIONS CONTAINED ON OUR WEBSITE ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES. THIS WEBSITE IS PROVIDED FOR THE CONVENIENCE OF THE USER, AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THIS WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. ANYONE WHO ACCESSES THIS WEBSITE DOES SO VOLUNTARILY AND IS RESPONSIBLE FOR COMPLIANCE WITH ALL LAWS AND REGULATIONS. ADVICE RECEIVED THROUGH THIS OR ANY LINKED WEBSITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL, OR FINANCIAL DECISIONS. YOU SHOULD CONSULT WITH AN APPROPRIATE AND QUALIFIED PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.
THIS WEBSITE AND THE MATERIAL CONTAINED THEREIN, INCLUDING LINKS TO THIRD PARTY WEBSITES, ARE PROVIDED ON AN “AS IS” BASIS AND NO GUARANTEE IS PROVIDED AS TO THE ACCURACY, COMPLETENESS, TIMELINESS, OR AVAILABILITY OF THE CONTENT OF THIS WEBSITE OR ANY PORTAL OR SERVICE PROMOTED ON THIS WEBSITE. TO THE EXTENT PERMITTED BY LAW, STONETRUST DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND INFRINGEMENT. STONETRUST DOES NOT WARRANT THAT THE FUNCTIONALITY OR OPERATION OF THE WEBSITE WILL BE UNINTERRUPTED OR FREE FROM ERROR, THAT ANY DEFECTS IN THE WEBSITE WILL BE CORRECTED, OR THAT THE WEBSITE OR THE SERVER(S) THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL CONDITIONS OR COMPONENTS.
STONETRUST MAY CHANGE THE PROGRAMS, PRODUCTS, OR SERVICES MENTIONED AT ANY TIME WITHOUT NOTICE. ADDITIONALLY, ALL INSURANCE PRODUCTS REFERRED TO IN THIS WEBSITE ARE SUBJECT TO AVAILABILITY AND QUALIFICATIONS. PRODUCT TERMS, CONDITIONS, AND EXCLUSIONS NOT DESCRIBED IN THIS WEBSITE MAY APPLY. REFER TO THE ACTUAL POLICY OR THE RELEVANT PRODUCT OR SERVICES AGREEMENT.
LIMITATION OF LIABILITY & INDEMNIFICATION
Neither Stonetrust nor any party involved in producing or maintaining this website will be liable for any direct, incidental, consequential, indirect, or punitive damages that may result from the use of or the inability to use the materials on this website, even if you, Stonetrust or an authorized representative of Stonetrust has been advised of the possibility of such damages. In no event shall Stonetrust’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. Reference in this website to any specific commercial products, processes, or services, or the use of any trade, firm, or corporation name is for the information and convenience of the users of the website and does not constitute endorsement or recommendation by Stonetrust or its employees or agents. Stonetrust has no responsibility or liability for any damages as a result of access to this website or use of any materials, hyperlinks, or references from this website.
If you are dissatisfied with any portion of the Stonetrust website, or with any of these terms of use, your sole and exclusive remedy is to discontinue using the Stonetrust website. To the fullest extent permissible by applicable law, you agree to indemnify and hold Stonetrust, its officers, directors, shareholders, predecessors, successors in interest, employees, agents, subsidiaries, and affiliates, harmless from any demands, loss, liability, claims or expenses (including attorneys’ fees), made against Stonetrust by any third party due to or arising out of, or in connection with, your use of the website.
TERMINATION/ACCESS RESTRICTION
We may, in our sole discretion, terminate or suspend your access to all or part of this website and its contents at any time without notice and for any reason, including, without limitation, your breach of these Terms and Conditions.
TRADEMARKS & COPYRIGHT RESTRICTIONS
This website contains Stonetrust and third-party trademarks, service marks, trade names, logos, and icons which are the property of or which are used with permission by Stonetrust, and all marks are the property of the respective companies. All rights in the intellectual property contained in this website including copyright, trademarks, trade secret and patent rights are reserved. Access to this website does not constitute a right to copy or use any of the intellectual property contained herein. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. Your use of the trademarks displayed on this website or any other content on this Website, except as provided herein, is strictly prohibited unless specifically permitted by Stonetrust. Any rights not expressly granted herein are reserved.
COMPANY INFORMATION
The term Stonetrust, as used herein, includes the following companies:
Stonetrust Commercial Insurance Company
Stonetrust Premier Casualty Insurance Company