Website Usage Agreement Terms and Conditions
Yodlee Instant Account Verification Terms and Conditions
SMS/Text Messaging Terms and Conditions
WEBSITE USAGE AGREEMENT TERMS AND CONDITIONS
and conditions under which CFC’s website is offered. You are responsible for regularly reviewing these terms and conditions.
The information on these pages is intended to be accurate at the time
posted. It is for general informational purposes only. Because of the nature of
this information, it may not be applicable in your area or current at the time
you read it. Before purchasing or selling any insurance product in reliance on
this information, please verify applicability. This is not an offer or
solicitation to sell insurance, nor is it a representation or guarantee of any
specific type or price of a product or service, not all of which are available
in every area. Click here for state Licensing
Information for each insurance subsidiary or choose Find an Agency to see if products are
marketed in a specific location. Additionally, none of the information
contained at this site is intended, or should be construed, as an offer to
sell, or a solicitation of an offer to purchase, any securities of Cincinnati
Financial Corporation. The information on this site may change without prior
"The Cincinnati Insurance Companies" and "Cincinnati" refer to
member companies of our insurer group providing property and casualty coverages
through The Cincinnati Insurance Company or one of its wholly owned
subsidiaries – The Cincinnati Indemnity Company, The Cincinnati Casualty
Company or The Cincinnati Specialty Underwriters Insurance Company – and
life and disability income insurance and annuities through The Cincinnati Life
Insurance Company. Not all subsidiaries operate in all states. Each insurer has
sole financial responsibility for its own products. Cincinnati Financial
Corporation and subsidiaries are located at 6200 S Gilmore Road, Fairfield, OH
45014-5141. For information, quotes, policy service or coverage availability, please contact your
local independent agent. For other matters, please send mail to P.O. Box
145496, Cincinnati, OH 45250-5496. Not all of Cincinnati’s products or services
are available in every area. Insurance terms and limits vary by jurisdiction.
Descriptions of coverage on these pages are limited by the terms, conditions,
definitions and exclusions of Cincinnati’s policies. Coverage descriptions and
product information are not representations of the law. They are not intended
to constitute legal, accounting or financial advice. Statements regarding
potential liability responsibility are based on general common law tort
principles and/or standard statutes, both of which can be very fact-specific
and vary by jurisdiction. The general information given here may not apply in
Hyperlinks Are Not Endorsements
When you activate one or more of the hyperlinks provided in this site, you
are leaving the website of CFC and entering the website of another
organization. These external websites are not maintained by CFC and contain
information created, published or otherwise posted by organizations and
entities independent of CFC. CFC does not approve, endorse or certify any
products, services or information contained in the websites of any other
organizations. CFC is not responsible for the content, accuracy, legality,
safety, security, functionality, timeliness, reliability, fitness for any
particular purpose, merchantability or privacy of any such website or
Selected pages of the Investors area of CFC’s website are maintained on the
servers of independent service providers. Some links in this area lead to
resources and information provided by third-party data providers. While CFC
monitors this content, it has no control over the information and is in no
manner responsible for information labeled as provided by third-party data
Copyrights and Trademarks; Digital Millennium Copyright Act
Copyright © 2021 Cincinnati Financial Corporation. All rights reserved. The
contents of all material available on this website are copyrighted by CFC
unless otherwise indicated. All rights are reserved by CFC, and content may not
be reproduced, downloaded, disseminated, published, or transferred in any form
or by any means, except with the prior written permission of CFC. Copyright
infringement is a violation of federal law subject to criminal and civil
Benefit Access Account, CFCNet, CinciBill, CinciBond, CinciBridge,
CinciExpress, CinciLink, CinciPak, CinciPlus, CinciSafe,
Cinci$mart, CinciSource, CinciView, e-CLAS, Executive Classic, Executive
Homeowner Policy, iView, QuickGlass, Surety Made Simple, WinCPP, XC, and XC+
are registered and unregistered trademarks of The Cincinnati Insurance Company.
A bridge design mark, CFC Investment Company (word and design marks),
Cincinnati Financial Corporation (word and design marks), Cincinnati Global Underwriting Ltd. (word and design marks), Cincinnati Global Underwriting Agency Ltd. (word and design marks), CSU Producer
Resources Inc. (word and design marks), The Cincinnati Casualty Company (word
and design marks), The Cincinnati Indemnity Company (word and design marks),
The Cincinnati Insurance Companies (word and design marks), The Cincinnati Insurance Company (word and design marks), The Cincinnati Life Insurance
Company (word and design marks), and The Cincinnati Specialty Underwriters
Insurance Company (word and design marks) are registered or unregistered U.S. trademarks or service marks of Cincinnati Financial Corporation. Cincinnati Global Underwriting Ltd. (word and design marks) and Cincinnati Global Underwriting Agency Ltd. (word and design marks) are registered UK and EU trademarks of Cincinnati Financial Corporation. All other brand and product
names that appear throughout this website are trademarks, registered trademarks
or service marks of their respective holders.
Pursuant to the Digital Millennium Copyright Act (“DMCA”), notifications of
claimed copyright infringement should be sent to the website’s designated
agent. CFC has adopted a procedure for submission of claims of copyright
infringement, as described herein. Please note that any submissions or
attempted notifications which fail to comply with these procedures may not, in
our sole discretion, be considered sufficient notice and may not be deemed to
confer upon CFC actual knowledge of facts or circumstances from which
infringing material or acts are evidenced.
CFC respects the intellectual property of third parties, and we expect
visitors to our website to do the same. CFC will investigate notices of alleged
infringement of third party copyrighted material and take appropriate action
under the DMCA. Such action may include disabling access to portions of our
website which include infringing material or removing such infringing material
from our website altogether.
If you believe your copyrighted material has been used on our website in a
manner that constitutes copyright infringement, please provide us with the
- A description of the copyrighted work you claim has been infringed.
- The location on our website where the copyrighted work identified in item
#1 is found.
Specifically, a complete URL or URLs in the case of multiple works, must be
- Your name, email address, phone number, and mailing address, or any other
additional information which will allow us to contact you.
- A statement by you that you have a good faith belief that the copyrighted
material identified is being used in a manner that is not authorized by the
copyright owner, its agent, or the law.
- A statement by you, under penalty of perjury, that the notification is
accurate, and that you are either the copyright owner or the authorized
representative of the copyright owner.
- Your physical or electronic signature attesting to items #4 and #5.
Please note that we will not use the personally identifiable information
contained in your response to item #3 for any purpose other than to process,
investigate, and respond to your DMCA notification. Our Designated Agent for
notice of claims of infringement on the website is accessible through email at:
email@example.com. Please use
“DMCA Notification” in the subject of your email.
Not Legal Advice
Content contained on or made available through this website is not intended
to and does not constitute legal advice and no attorney-client relationship is
formed. The accuracy, completeness, adequacy or currency of the content is not
warranted or guaranteed. Your use of information on the website or materials
linked from the website is at your own risk.
Errors and Corrections
CFC does not represent or warrant that this website or the content will be
error-free, free of viruses or other harmful components, or that defects will
be corrected or that it will always be accessible. CFC does not warrant or
represent that the content available on or through this website will be
correct, accurate, timely, or otherwise reliable. CFC may make improvements
and/or changes to its features, functionality or content at any time.
Disclaimer of Warranties and Limitation of Liability
This website is provided on an "as is” basis. CFC expressly disclaims
all warranties, including the warranties of merchantability, fitness for a
particular purpose and non-infringement. Provider disclaims all responsibility
for any loss, injury, claim, liability or damage of any kind resulting from,
arising out of or any way related to (a) any errors in or omissions from this
website and the content, including but not limited to technical inaccuracies
and typographical errors, (b) any third-party websites or content therein
directly or indirectly accessed through links in this website, including but
not limited to any errors in or omissions, (c) the unavailability of the
website or any portion of it, (d) your use of this website, or (e) your use of
any equipment or software in connection with the website. CFC shall not be
liable for any loss, injury, claim, liability, or damage of any kind resulting
from your use of the website. Provider shall not be liable for any special,
direct, indirect, incidental, punitive, exemplary or consequential damages of
any kind whatsoever (including, without limitation, attorneys' fees) in any way
due to, resulting from, or arising in connection with the use of or inability
to use the website or the content.
The Internet is an unsecure medium. CFC does not assume any responsibility
for any harm, loss, or damage you may experience or incur by the sending of
personal or confidential information over the Internet to or by CFC or its
information collected on our website.
If any provision of these Terms and Conditions is held invalid, void or
unenforceable, that provision will be considered severable from the remaining
provisions, and the remaining provisions shall remain in full force and
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platform sponsored by CFC, its subsidiaries and affiliates
(collectively hereinafter “CFC”).
sponsored by CFC (“Site”), and are in addition to CFC’s general terms and conditions of our
website (“Terms”). This Site not only contains information that CFC
created, but also information that its vendors create and its registered users
post. By using any Site, you are accepting and agreeing to these Terms.
Communications made through CFC-sponsored social media platforms do not
constitute an offer or solicitation to sell insurance, nor is it a
representation or guarantee of any specific type or price of a product or
service, not all of which are available in every area; or legal or official
notice to CFC, or any associate of CFC, for any purpose; or.
Information provided on a Site is strictly for educational and information
purposes only. Information posted on a Site, whether by CFC or other users, is
nothing more than an exchange of general information and ideas. Under no
circumstance is information on any Site intended to, nor shall it, provide any
professional advice, be it risk management, legal or financial, as each
situation or circumstance is unique and requires its own analysis and
Engagement Guidelines – In General
While CFC encourages meaningful exchange of ideas on any Site, we expect
users of a Site to abide by all of the engagement guidelines contained in this
section. When using a Site, you agree to:
- Be respectful to other users;
- Not post someone else’s or your confidential or private information,
including insurance policy or financial information (such as policy number,
payment, contact, claim information, account or credit card details or
information that identifies or could identify an individual personally);
- Not post advertising, promotional or other type of solicitation to other
authorized users of a Site, unless in certain areas of a Site where such
posting may be specifically authorized;
- Not take any action that would disrupt or interfere with the normal use of
a Site by other authorized users;
- Not post material that contains the copyrights, trademarks and other
intellectual properties of others, unless you have secured their
- Not sublicense, transfer or otherwise make available any content on a Site
to any third party for commercial purposes or financial gain or use the content
in any other media or in any other location other than as permitted on a
- Not post content that is defamatory, insulting, discriminatory, abusive,
obscene, profane or demeaning;
- Not post any audio or visual content that features any individual unless
you have such individual’s permission;
- Not register as or on behalf of anyone else, impersonate anyone else, seek
to take on a false identity, or misrepresent yourself, your identity or your
- Not post material or links to a site that contain viruses or malicious
- Use a Site only for lawful purposes and not to upload any unlawful content
or in any other way use a Site so as to violate any applicable laws.
Engagement Guidelines – Blog
We gladly welcome comments and dialogue related to our blog. Please note that we aren’t able to
reply to claims or service issues through our blog. CFC blogs are written by a
variety of employees at different levels and positions in the company, so you
can expect many viewpoints. Please keep in mind that this is a moderated blog.
As such, we reserve the right to review all comments, prior to posting, to
ensure the engagement guidelines are met. Please excuse any delay that may
Here are a couple of things you should know about our blog engagement:
Remember that this blog is a public forum Be careful not to share
your private personal or policy information. CFC does not provide customer
service through our blog. If you need to get in touch with us about an
individual situation, the safest way to reach us is through one of our
independent agents or via our Contact Us page.
Please be respectful and understand that to keep our blog a safe
place for everyone, we will not post any comments that include private personal
information, profanity, solicitations, objectionable or inappropriate content,
or content that is derogatory to other people, agencies or companies. Anonymous
comments will not be posted. Because we operate in a highly regulated industry,
we may also, at our discretion, need to refrain from posting comments for a
variety of reasons. As such, CFC must reserve its right to amend or change
these guidelines at any time.
Comments from readers of our blog are solely attributable to and
represent the views of the commenter only. Such comments do not represent
the views, positions or strategies of CFC or its leadership, and are not
adopted or endorsed by CFC. CFC does not represent or guarantee the
truthfulness, accuracy, or reliability of any comments posted on our blog.
Please note that we cannot accept comments from individuals under the age of
This website includes links to external websites. These links are
provided only to assist users in locating additional information. CFC is not
responsible for any of the content of these external websites. Also, some
external links may be to websites that offer commercial services. The inclusion
of a link to an external website should not be understood as an endorsement by
CFC of that website or their products or services.
There is a place for customer service-related questions, complaints,
concerns or ideas from customers. If you are a customer and have a customer
service comment, complaint, concern or idea, we encourage you to use our
traditional customer service channels to ensure that
we can respond in a timely manner. Please note that any customer service posts
published on a CFC page by customers may be removed when discovered. As always,
if you would like to comment about customer service or any other issue you can
visit our Contact Us page.
We reserve the right to remove content posted to our blog that
violates these guidelines. Because we operate in a highly regulated industry,
we may also, at our discretion, need to refrain from posting comments for a
variety of reasons. As such, CFC must reserve its right to amend or change
these guidelines at any time.
As one of the most trusted companies in the country, we want to be honest
and transparent in our communication. Our guiding principle is the Golden Rule:
“treat others as you would like to be treated.” It’s a simple rule and it has
served us well. As such, we trust that you’ll do the same. While you’re on our
Facebook page, we ask
that you follow a few simple guidelines when contributing:
- Don’t do anything that breaks the law.
- Be respectful, even if you disagree. Name calling, profanity, fighting
words, discriminatory epithets, sexual harassment, bullying, threats of
violence or the like, will not be tolerated.
- Stay on topic. Keep the conversation relevant to the community and
contribute to the dialogue. We reserve the right to remove off-topic, out of
context, spam or promotional postings.
- Keep it real. All wall postings should come from a real person and Facebook
profile. Postings from fake or anonymous profiles will be deleted when
- We reserve the right to remove content posted to Facebook that violates
these guidelines. Because we operate in a highly regulated industry, we may
also, at our discretion, need to refrain from posting comments for a variety of
reasons. As such, Cincinnati must reserve its right to amend or change these
guidelines at any time.
- We monitor this page and may communicate and address conversations as
needed. Some of these discussions may require an outside communication avenue.
Cincinnati reserves the right to delete, modify or share content posted by
Our official Cincinnati Insurance Company page is hosted by LinkedIn and
bound by the LinkedIn user agreement and
Official Cincinnati Insurance videos are hosted by YouTube and bound by the YouTube user agreement and privacy guidelines.
Third-Party or User Content
Any party other than CFC must identify itself when providing content to any
Site. Content posted by users, including but not limited to, bloggers, on a
Site is not reviewed or verified by CFC for accuracy or completeness and may
not represent the opinions or ideals of CFC. CFC does not warrant the accuracy
or completeness of any statements or claims posted; any information displayed,
uploaded, downloaded or distributed through a Site by any user or any other
person or entity; and is not responsible for and does not endorse any user
provided content. CFC hereby disclaims responsibility and liability for any
content and opinions expressed by others on any Site including but not limited
to, content or opinions regarding any products or services mentioned on a Site.
CFC hereby disclaims liability for any damages or losses, direct or indirect,
that may result from use of or reliance on information contained on a Site.
Tweeting or re-tweeting a post on any Site whether by users or CFC shall not
implicitly or explicitly endorse or approve such post.
Information posted on a Site is in the public domain. If you post
information on a Site, you do so at your own risk. You are solely responsible
for the content that you post. By posting content on a Site, you warrant that
you have permission to post the content on such Site.
By providing information or materials to a Site (other than personal
an unrestricted, irrevocable, worldwide, perpetual, royalty-free license to
use, publish, reproduce, display, publicly perform, distribute, transmit and
use such information and materials for any purpose, in any manner and in any
media, without consideration paid to you, including without limitation,
disclosing any such information and materials as necessary to satisfy any law,
regulation, or governmental request. CFC shall not be subject to any
obligations of confidentiality regarding any information or materials that you
specifically agreed or required by law. By virtue of your posting, you hereby
grant CFC permission to track your comments as necessary.
We may monitor the Sites but we are not obligated to police them. In our
sole discretion, we may refuse, move or remove any user content submitted to a
Site and we may terminate, limit, block or suspend any user’s access to all or
any part of a Site at any time and for any reason whatsoever, without notice or
liability, including without limitation, your breach to this Agreement. We may
also change, suspend or discontinue any aspect of the services provided on a
Site at any time without any notice or liability, including the availability of
any feature, blog, data base or content.
Limitation of Liability
CFC is not responsible or liable for the conduct of any person who uses a
Site or your reliance on the information from any Site. Your use of any Site is
at your own risk. CFC specifically disclaims any liability, whether based in
contract, tort, negligence, strict liability or otherwise, for any direct,
indirect, incidental, consequential, or special damages arising out of or in
any way connected with access to, use of or reliance on any Site (even if CFC
or a CFC representative has been advised of the possibility of such damages) or
that arise in connection with mistakes or omissions in, or delays in
transmission of, information to or from the user, interruptions in
telecommunications connections to a Site or viruses that may infect your
computer equipment or other property, whether caused in whole or in part by
negligence, acts of God, telecommunications failure, theft or destruction of,
or unauthorized access to a Site. This limitation of liability may be different
in connection with specific products and services offered by CFC. 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 CFC, its affiliates and
subsidiaries, and its and their officers, directors, shareholders, employees,
consultants, agents and other representatives harmless from and against any and
all claims, damages, losses, demands, liabilities, costs (including reasonable
attorneys’ fees) and other expenses that arise directly or indirectly out of or
from (a) your breach of this agreement, including any violation of the Terms
and Conditions; (b) any allegation that any content or other materials you
submit to us or transmit to the Sites infringe or otherwise violate the
copyright, trademark, trade secret or other intellectual property or other
rights of any third party; and/or (c) your activities in connection with the
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YODLEE INSTANT ACCOUNT VERFICATION TERMS AND CONDITIONS
Yodlee Instant Account Verification is intended to verify your authority and access to external financial accounts by confirming your ability to access such accounts. Your use of Instant Account Verification is subject to the following terms and conditions. Proceeding with Instant Account Verification constitutes your assent to and acceptance of these terms and conditions.
PROVIDE ACCURATE INFORMATION. You agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other financial institutions and you agree to not misrepresent your identity or your account information.
INSTANT ACCOUNT VERIFICATION. When you elect to use Instant Account Verification, you authorize The Cincinnati Insurance Company, its subsidiaries and affiliates (CIC), and its supplier, Yodlee, Inc. (Yodlee), to access third party sites designated by you, on your behalf, to retrieve information requested by you. For all purposes hereof, you hereby grant CIC, and Yodlee a limited power of attorney, and you hereby appoint each of CIC and Yodlee as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third-party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN CIC OR YODLEE ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY SITES, CIC AND YODLEE ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that Instant Account Verification is not endorsed or sponsored by any third-party account providers accessible through Instant Account Verification. You are licensing to CIC and Yodlee any information, data, passwords, materials or other content (collectively, Content) you provide in connection with your usage of Instant Account Verification. CIC and Yodlee may use, modify, display, distribute and create new material using such Content to provide Instant Account Verification to you. By submitting Content, you automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, CIC and Yodlee may use the Content for the purposes set out above. As between CIC and Yodlee, CIC owns your confidential account information. CIC is not responsible for the use or disclosure of any personal information accessed by any company or person to whom you provide your site username and passcode.
DISCLAIMERS. Your use of the Instance Account Verification and all information, products and other content (including that of third parties) included in or accessible from service is at your sole risk. The Instant Account Verification is provided on an "as is" and "as available" basis.
CIC and Yodlee make no warranty that (i) the Instant Account Verification will meet your requirements, (ii) the Instant Account Verification will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the Instant Account Verification will be accurate or reliable, (iv) the quality of any products, services, information, or other material purchased or obtained by you through the Instant Account Verification will meet your expectations, or (v) any errors in the technology will be corrected.
Any material downloaded or otherwise obtained through the use of the Instant Account Verification is done at your own discretion and risk, and you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material. No advice or information, whether oral or written, obtained by you from CIC or Yodlee through or from the Instant Account Verification will create any warranty not expressly stated in these terms.
LIMITATION OF LIABILITY. YOU AGREE THAT NEITHER CIC NOR YODLEE, NOR ANY OF THEIR RESPECTIVE AFFILIATES, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES, WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF CIC OR YODLEE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM THE USE OR THE INABILITY TO USE INSTANT ACCOUNT VERIFICATION OR ANY OTHER MATTER RELATING TO INSTANT ACCOUNT VERIFICATION, INCLUDING BUT NOT LIMITED TO (i) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES, (ii) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM INSTANT ACCOUNT VERIFICATION; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANYONE ON INSTANT ACCOUNT VERIFICATION; OR (v) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES.
PAYMENT. YOU ARE RESPONSIBLE FOR TIMELY PAYMENT ON YOUR ACCOUNT, REGARDLESS OF YOUR METHOD OF PAYMENT. IT IS SOLELY YOUR RESPONSIBILITY TO MONITOR YOUR ACCOUNT AND YOUR FUNDING ACCOUNT(S) IN ORDER TO ENSURE TIMELY PAYMENT IS MADE.
CLASS ACTION WAIVER. THE PARTIES AGREE THAT ANY CLAIMS WILL BE ADJUDICATED ON AN INDIVIDUAL BASIS, AND EACH WAIVES THE RIGHT TO PARTICIPATE IN A CLASS, COLLECTIVE, PAGA, OR OTHER JOINT ACTION WITH RESPECT TO THE CLAIMS.
INDEMNIFICATION. You agree to indemnify and hold harmless CIC and their respective affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorney fees) caused by or arising from your use of Instant Account Verification or your violation of these terms.
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SMS/TEXT MESSAGING TERMS AND CONDITIONS
Please read these SMS/Text Messaging Terms and Conditions carefully. By consenting to SMS/Text Messaging, you expressly consent to receive text messages from The Cincinnati Insurance Company, its affiliates and subsidiaries (“Cincinnati Insurance”), including text messages made with an Auto dialer, at the mobile phone number(s) you provide.
You may opt-out of these communications at any time by replying STOP to any text message from Cincinnati Insurance or by otherwise contacting Cincinnati Insurance as indicated below. By consenting to SMS/Text Messaging or using the Cincinnati Insurance Program, you accept and agree to be bound by these SMS/Text Messaging Terms and Conditions and any other applicable terms and agreements related to your use of the Cincinnati Insurance services.
Cincinnati Insurance offers its text messaging program whereby Cincinnati Insurance, and any applicable service providers, will text message you to provide you with information concerning your account activity with Cincinnati Insurance and Cincinnati Insurance products, services, (all of the foregoing the “Cincinnati Insurance Program”). Cincinnati Insurance and its service providers may, from time to time, use standard or an automatic telephone dialing system (“Auto dialer”) to deliver text messages to you under the Cincinnati Insurance Program. You agree that you will not use the Cincinnati Insurance Program for any illegal or unlawful purposes. No coverage may be bound or amended via text messaging or the Cincinnati Insurance Program.
Under the Cincinnati Insurance Program, the number of Cincinnati Insurance text messages that you receive may vary depending upon your account activity and your communication with Cincinnati Insurance.
Cincinnati Insurance does not impose a separate fee for sending Cincinnati Insurance text messages under the Cincinnati Insurance Program. However, standard message and data rates may apply to each text message sent or received in connection with the Cincinnati Insurance Program, as provided in your mobile telephone service rate plan. Please contact your mobile telephone carrier for pricing plans and information.
Supported Carriers; Interruption
The Cincinnati Insurance Program should be available through your equipment or mobile device when the equipment or device is within the operating range of your wireless service provider. The Cincinnati Insurance Program may not be available on all equipment/mobile devices, or through all wireless carriers, and not all functionalities of the Cincinnati Insurance Program are available on all equipment/mobile devices, or through all wireless carriers. Cincinnati Insurance may, from time to time, in its discretion and without notice to you, limit the carriers that support the Cincinnati Insurance Program. Certain other carriers may not support the Cincinnati Insurance Program.
Delivery of information and content to your equipment/mobile device may fail due to a variety of circumstances or conditions. The Cincinnati Insurance Program is subject to transmission limitation or interruption. You understand and acknowledge that mobile network services are outside of Cincinnati Insurance’s control, and Cincinnati Insurance in not responsible or liable for issues arising therefrom, or the failure thereof, including, without limitation, technical, hardware, software, electronic, network, telephone or other communications malfunctions, errors or failures of any kind, errors in transmission, traffic congestion, lost or unavailable network connections, telephone connections, wireless phone connections, website, Internet, or ISP availability, unauthorized human intervention, traffic congestion, incomplete or inaccurate capture of entry information (regardless of cause) or failed, incomplete, garbled, jumbled or delayed transmissions which may limit or restrict your ability to receive or send a message, including any injury or damage to your or any other person’s equipment/wireless device relating to or resulting from participating in or using the Cincinnati Insurance Program. If the Cincinnati Insurance Program is not available within your intended location, you agree that your sole remedy is to cease using the Cincinnati Insurance Program.
How to Opt-In
You opted-in to receive text messages from Cincinnati Insurance under the Cincinnati Insurance Program, orally in a telephone call with a Cincinnati Insurance representative.
How to Opt-Out
To stop receiving text messages from Cincinnati Insurance, text STOP to the ten-digit long code from which the text messages are being sent.
Your Mobile Telephone Number
You represent that you are the account holder for the mobile telephone number(s) that you provide or that you have the account holder’s permission to enter the mobile telephone number(s) that you provide and that you will not initiate messages to the mobile phone of any other person or entity. You agree to maintain accurate, complete, and up-to-date information with Cincinnati Insurance regarding your use of the Cincinnati Insurance Program, including, without limitation, notifying Cincinnati Insurance in writing immediately if you change, or cease being the regular user of, your mobile telephone number. You agree to indemnify Cincinnati Insurance in full for all claims, expenses, damages, and costs, including reasonable attorneys’ fees, related to or caused in whole or in part by your failure to notify Cincinnati Insurance if you change your telephone number, or cease being the regular user of, including, but not limited to, all claims, expenses, damages, and costs related to or arising under the Telephone Consumer Protection Act, 47 U.S.C. § 227 et seq.
To receive Cincinnati Insurance text messages or enroll in the Cincinnati Insurance Program, you must be a resident of the United States, eighteen (18) years of age or older, authorized to enroll the mobile phone number in the Cincinnati Insurance Program, and authorized to incur any mobile message or data charges incurred by participating. Cincinnati Insurance reserves the right to require you to prove the foregoing to participate in the Cincinnati Insurance Program.
Changes to These SMS/Text Messaging Terms and Conditions
Cincinnati Insurance may revise, modify, or amend these Cincinnati Insurance SMS/Text Messaging Terms and Conditions at any time. Any such revision, modification, or amendment shall take effect when it is posted to Cincinnati Insurance website. You agree to review these Cincinnati Insurance SMS/Text Messaging Terms and Conditions periodically to ensure that you are aware of any changes. Your continued consent to receive Cincinnati Insurance text messages will indicate your acceptance of those changes.
Amendment: Termination of Text Messaging
Cincinnati Insurance may suspend or terminate your receipt of Cincinnati Insurance text messages if Cincinnati Insurance believes you are in breach of these Cincinnati Insurance SMS/Text Messaging Terms and Conditions. Your receipt of Cincinnati Insurance text messages is also subject to termination in the event that your mobile telephone service terminates or lapses. Cincinnati Insurance reserves the right to modify or discontinue, temporarily or permanently, all or any part of Cincinnati Insurance text messages and Cincinnati Insurance text messages and Cincinnati Insurance Program, for any reason, with or without notice to you.
Release: No Warranties; Limitation of Liability
By participating in the Cincinnati Insurance Program, you agree to release and hold harmless Cincinnati Insurance and its representatives, agents, successors, assigns, employees, officers and directors, from any and all liability, for loss, harm, damage, injury, attorneys’ fees, cost or expense whatsoever including without limitation, property damage, personal injury and death that may occur in connection with the Cincinnati Insurance, or your use thereof, and for any claims, matters, or disputes based on violation of law or infringement or violation of any rights of any person or entity, including, without limitation, violation of publicity rights, defamation, or invasion of privacy.
THE CINCINNATI INSURANCE PROGRAM IS PROVIDED AS IS, WHERE IS AND WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS, IMPLIED, WRITTEN, ORAL OR ARISING UNDER CUSTOM OR TRADE. CINCINNATI INSURANCE DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
In no event shall Cincinnati Insurance be liable to you, or to any third party, for any losses or damages whatsoever arising out of or resulting from the Cincinnati Insurance Program, or your use thereof, regardless of the theory of recovery, including, without limitation, direct, indirect, consequential, incidental or special damages, lost profits, punitive damages, attorney’s fees or any damages arising out of or resulting from a statutory or regulatory violation, negligence, gross negligence, strict liability, tortious conduct, willful misconduct or fraud, breach of contract, or breach of warranty. To the extent this damage waiver is contrary to applicable law, your or any third party’s maximum recovery for any losses or damages whatsoever arising out of or resulting from the Cincinnati Insurance Program, or your use thereof, regardless of the theory of recovery, is $10.00.
Arbitration/Class Action Waiver
ALL DISPUTES, MATTERS, OR CLAIMS BETWEEN YOU AND CINCINNATI INSURANCE ARISING OUT OF OR RELATING IN ANY WAY TO THESE SMS/TEXT MESSAGING TERMS AND CONDITIONS, ANY TEXT MESSAGES BETWEEN YOU AND CINCINNATI INSURANCE OR ANYONE ACTING ON YOUR OR CINCINNATI INSURANCE’S BEHALF, OR THE CINCINNATI INSURANCE PROGRAM, REGARDLESS OF THE THEORY OF LIABILITY OR RECOVERY, MUST BE RESOLVED SOLELY BY ARBITRATION CONDUCTED EXPEDITIOUSLY IN ACCORDANCE WITH THE AMERICAN ARBITRATION ASSOCIATION CONSUMER ARBITRATION RULES (“AAA” RULES) BY A SOLE ARBITRATOR SELECTED BY THE PARTIES TO THE DISPUTE FROM THE NATIONAL OR PENNSYLVANIA PANEL OF ARBITRATORS. ALL DISPUTES, MATTERS, OR CLAIMS BETWEEN YOU AND CINCINNATI INSURANCE INCLUDES, WITHOUT LIMITATION, ANY ACTUAL OR ALLEGED STATUTORY OR REGULATORY VIOLATION, EQUITABLE CLAIM, NEGLIGENCE, GROSS NEGLIGENCE, STRICT LIABILITY, TORTIOUS CONDUCT, WILLFUL MISCONDUCT OR FRAUD, BREACH OF CONTRACT, BREACH OF WARRANTY, AS WELL AS ALL DISPUTES, MATTERS, OR CLAIMS ARISING OUT OF OR RELATING IN ANY WAY TO THE ARBITRATION/CLASS ACTION WAIVER PROVISION OR THE RELEASE; NO WARRANTIES; LIMITATION OF LIABILITY PROVISION.
This agreement to arbitrate is intended to be broadly interpreted, and expressly includes disputes, matters, or claims brought under the Telephone Consumer Protection Act, 47 U.S.C. § 227 et seq., or any other statute, regulation, or legal or equitable theory. THIS PRIVISION MUST BE CONSTRUED IN ACCORDANCE WITH, AND THE ARBITRATION MUST BE GOVERNED BY, THE FEDERAL ARBITRATION ACT (9 U.S.C. § 1 et seq.). ANY JUDGMENT UPON THE DECISION RENDERED BY THE ARBITRATOR MAY BE ENTERED BY ANY COURT HAVING JURISDICTION. UNLESS OTHERWISE REQUIRED BY LAW, THE ARTITRATOR IS PROHIBITED FROM AWARDING DAMAGES IN EXCESS OF THE LIMITATIONS SET FORTH IN THESE SMS/TEXT MESSAGING TERMS AND CONDITIONS.
ARBITRATION PROCEEDINGS MAY BE COMMENCED BY EITHER PARTY TO THIS AGREEMENT BY DELIVERING TO THE OTHER PARTY A WRITTEN NOTICE IN ACCORDANCE WITH THE AAA RULES. ANY ARBITRATION HEARING SHALL BE HELD IN FAIRFIELD, OHIO OR ITS SURROUNDING COUNTIES, UNLESS THE PARTIES TO THE DISPUTE AGREE OTHERWISE. ANY JUDGMENT RENDERED BY ARBITRATION SHALL BE FINAL AND BINDING ON THE PARTIES, AND MAY BE ENTERED IN ANY COURT OF COMPETENT JURISDICTION. NOTWITHSTANDING ANY AAA RULES TO THE CONTRARY, THE AWARD OF THE ARBITRATOR MUST BE MADE NO LATER THAN THREE(3) MONTHS FOLLOWING THE DATE ON WHICH THE ARBITRATOR IS APPOINTED, UNLESS THE ISSUE IS THE SUBJECT OF LITIGATION BROUGHT BY A THIRD PARTY AND THE ARBITRATOR DEEMS IT APPROPRIATE TO DEFER ITS AWARD UNTIL THE LITIGATION IS RESOLVED.
The resolution of any claims, matters, or disputes must proceed solely on an individual basis without the right for any claims, matters, or disputes to proceed on a class action or collective basis or on bases involving claims, matters, or disputes brought in a purported representative capacity on behalf of others. The arbitrator’s authority to resolve and make written awards is limited to claims, matters, and disputes between you and Cincinnati Insurance alone. Claims, matters, or disputes may not be joined or consolidated unless agreed to in writing by all parties. No arbitration award or decision will have any preclusive effect as to issues, claims, matters, or disputes with anyone who is not a named party to the arbitration.
In the event of any claim, matter, or dispute between you and Cincinnati Insurance arising out of or relating in any way to these SMS/Text Messaging Terms and Conditions, any text messages between you and Cincinnati Insurance or anyone acting on your or Cincinnati Insurance’s behalf, or the Cincinnati Insurance Program, Cincinnati Insurance, if it prevails, must be awarded all costs of bringing or defending the claim, matter, or dispute, including, without limitation, reasonable attorneys’ fees and the ordinary costs and expenses incurred in resolving the claim, matter, or dispute, including, without limitation, all arbitration related fees and expenses.
The law of the State of Ohio, including its statutes of limitations and without reference to any conflict of laws principles, shall be applied to any claim, matter, or dispute between the parties or when governing, construing, or enforcing these SMS/Text Messaging Terms and Conditions, the Cincinnati Insurance Program, or any text messages between you and Cincinnati Insurance or anyone acting on your or Cincinnati Insurance’s behalf, or any of the rights, duties, or obligations of the parties arising from or relating in any way to the subject matter of these Terms and Conditions.
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