Terms of Use Agreement

Welcome to the ISBA Mutual Insurance Company website. As a policyholder-owned entity, we ensure that our policyholders elect our Board of Directors and play a significant role in shaping our management policies. This Terms of Use Agreement governs your engagement with the ISBA Mutual Insurance Company website, comprising various web pages we operate. By accessing and using our website, you accept these terms, conditions, and notices without modification.

Modifications to Terms of Use

ISBA Mutual Insurance Company reserves the right to update or change the Terms of Use anytime. These changes may include modifications to the charges associated with using the ISBA Mutual Insurance Company website. Your continued website use after such modifications will constitute your acceptance of the revised terms.

Links to Third-Party Sites

Our website may include links to external websites ("Linked Sites"). These Linked Sites are not under our control, and we are not responsible for the contents of any Linked Site, including any further links in a Linked Site or any changes or updates to a Linked Site. The inclusion of any link does not imply endorsement by ISBA Mutual Insurance Company of the site or any association with its operators.

Prohibited Uses

You are prohibited from using the ISBA Mutual Insurance Company website in ways that could damage, disable, overburden, or impair it or interfere with any other party’s use and enjoyment of the website. You must not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided through the websites.

Communication Services

The ISBA Mutual Insurance Company website may offer communication services such as bulletin boards, chat areas, news groups, forums, communities, and personal web pages. When using these services, you agree to use them only for appropriate and relevant communications. You agree not to engage in unlawful activities, infringing, or invasive of privacy rights.

Management of Communication Services

ISBA Mutual Insurance Company reserves the right to review, edit, or remove content in these communication services and to terminate your access to any or all of them without notice for any reason. We may also disclose any information as necessary to satisfy any applicable law or regulation.

Liability Disclaimer

The information, software, products, and services included in or available through the ISBA Mutual Insurance Company website may include inaccuracies or typographical errors. Changes are periodically added to the information herein. ISBA Mutual Insurance Company and/or its suppliers may make improvements and/or changes to the ISBA Mutual Insurance Company website at any time.

Limitation of Liability

ISBA Mutual Insurance Company and its suppliers will not be liable for any direct, indirect, punitive, incidental, special, or consequential damages or any damages arising from or in any way connected with your use of this website. If you are dissatisfied with any portion of the ISBA Mutual Insurance Company website or with any of these terms of use, your sole and exclusive remedy is to discontinue using the website.

General Provisions

This agreement is governed by the laws of the State of Washington, U.S.A., and you consent to the jurisdiction of courts in San Mateo County, California, U.S.A. for any disputes arising from these Terms of Use.

Copyright and Trademark Notices

All ISBA Mutual Insurance Company website contents are © 2012-2024 ISBA Mutual Insurance Company and/or its suppliers. All rights reserved. Trademarks mentioned herein belong to their respective owners.

Copyright Infringement Claims

Notices and procedures for claiming copyright infringement are detailed in our Copyright Infringement Notice Policy. For more information on the ISBA Mutual Insurance Company Terms of Use, please call us at (312) 379-2000.