Legal Notices

This Web site (hereafter referred to as "this Site") is owned and operated by NAU Country Insurance Company (Throughout these Legal Terms of Use "NAU Country Insurance Company" refers collectively to NAU Country Insurance Company and its subsidiaries and related companies). NAU Country Insurance Company maintains this Site as a service to its customers and visitors, subject to the following terms and conditions concerning the use of this Site ("Terms of Use"). When you use this Site, you accept the Terms of Use; if you do not agree to the Terms of Use you may not use this Site. NAU Country Insurance Company reserves the right to modify content on this Site and these Terms of Use periodically without prior notice.

Use of Content on this Site

You may view, download, and print contents from this Site subject to the following conditions: (a) the content may be used by you personally solely for information purposes; and (b) the content may not be modified or altered in any way. You may not republish, distribute, prepare derivative works, or otherwise use the content other than as explicitly permitted herein.

You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of NAU Country Insurance Company without the express written consent of NAU Country Insurance Company. You may not use any meta tags or any other "hidden text" utilizing NAU Country Insurance Company's name or trademarks without the express written consent of NAU Country Insurance Company. You may not use any NAU Country Insurance Company logo or other proprietary graphic or trademark as part of the link without express written permission.

You do not acquire any ownership rights to any content in this Site. Any unauthorized use terminates the permission or license granted by NAU Country Insurance Company.

Reviews, Comments, Communications, And Other Content

You may submit comments and provide other content so long as the content is not obscene, illegal, threatening, or defamatory and so long as the content does not invade the privacy or infringe the intellectual property of a third party. Further, such content may not contain software viruses, mass mailings, chain letters, or any form of "spam". You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of the information.

By submitting information, you grant NAU Country Insurance Company a nonexclusive, royalty-free, perpetual, irrevocable, and fully sub-licensable right to reproduce, use, modify, publish, adapt, translate, create derivative works from, distribute, and display such content throughout the world in any media. By submitting information you also represent and warrant that the content is accurate; you own or have permission to use the content that you submit; and that use of the content will not cause injury to any person or entity.

Products and Services Offered By NAU Country Insurance Company on this Site

NAU Country Insurance Company offers products and services on this Site. When you enroll to obtain a product or service from NAU Country Insurance Company on this Site, you accept the specific agreement applicable to that product or service. Your use of any such product or service offered on this Site is governed by the terms and conditions in the agreement for that product or service. Except as provided in that agreement, NAU Country Insurance Company does not warrant that any product descriptions or content contained in this website is accurate, current, reliable, complete, or error-free.

Copyright Complaints

NAU Country Insurance Company respects the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please contact us electronically or by the other means listed on our Offices page.

Trademark Information

NAU Country Insurance Company and the NAU Country Insurance Company logos and images and the entire site design and other marks indicated on our site are registered trademarks of NAU Country Insurance Company in the United States and/or other countries. Other NAU Country Insurance Company marks, graphics, logos, page headers, button icons, scripts noted on this Site are NAU Country Insurance Company's service marks, trademarks and trade dress and are the sole and exclusive property of NAU Country Insurance Company. NAU Country Insurance Company's service marks, trademarks and trade dress may not be used in any manner that is likely to cause confusion among customers, in any manner that disparages or discredits NAU Country Insurance Company and in connection with any service or product that is not sponsored, endorsed or produced by NAU Country Insurance Company. All other trademarks not owned by NAU Country Insurance Company or its subsidiaries that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by NAU Country Insurance Company or its subsidiaries.

Privacy Statements

Because we respect your right to privacy, we have developed a Privacy Statement to inform you about our privacy practices. You can view our policy on our Privacy Statement page.

Third Party Web Sites and Information

This Site may provide hyperlinks to third party websites or access to third party content. NAU Country Insurance Company does not control, endorse, or guarantee content found in such sites.You agree that NAU Country Insurance Company is not responsible for any content, associated links, resources, or services associated with a third party site. You further agree that NAU Country Insurance Company shall not be liable for any loss or damage of any sort associated with your use of third party content. Links and access to these sites are provided for your convenience only.

Disclaimer

EXCEPT AS EXPRESSLY STATED IN AN AGREEMENT BETWEEN YOU AND NAU COUNTRY INSURANCE COMPANY, ALL CONTENT, SERVICES, PRODUCTS AND SOFTWARE PROVIDED ON THIS WEB SITE ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. NAU COUNTRY INSURANCE COMPANY AND ITS SUPPLIERS AND LICENSORS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED INCLUDING, WITHOUT LIMITATION, THOSE OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. YOU ARE SOLELY RESPONSIBLE FOR THE APPROPRIATENESS OF THE SITE, ITS CONTENT, AND THE PRODUCTS AND SERVICES OFFERED BY NAU COUNTRY INSURANCE COMPANY ON THIS SITE FOR YOUR INTENDED APPLICATION AND USE. NAU COUNTRY INSURANCE COMPANY DOES NOT WARRANT THAT THIS SITE, ITS CONTENT, OR THE PRODUCTS AND SERVICES IT OFFERS ON THIS SITE MEET YOUR REQUIREMENTS. SUBJECT TO THE TERMS OF ANY AGREEMENT BETWEEN YOU AND NAU COUNTRY INSURANCE COMPANY, ITS SUPPLIERS AND LICENSORS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL, OR PUNITIVE DAMAGES, EVEN IF NAU COUNTRY INSURANCE COMPANY, ITS SUPPLIERS OR LICENSORS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Indemnity

You agree to defend, indemnify, and hold harmless NAU Country Insurance Company, employees, attorneys, and agents ("indemnities") against all claims, expenses, liabilities, losses, costs, and damages, including reasonable attorney's fees, that the indemnities may incur (i) in connection with your use of this Site or any hyperlinked web site or (ii) resulting from content you supply.

Applicable Laws

All matters relating to your access to and use of this Site shall be governed by U.S. federal law or the laws of the States of where the specific website you are viewing is hosted without regard to its conflict of law principles. Any legal action or proceeding relating to your access to or use of this Site shall be instituted in a state or federal court in the jurisdiction in which the specific website you are viewing is hosted.

If there is a determination that any provision of these Terms of Use is invalid or unenforceable, that determination will not affect the rest of the Terms of Use and the Terms of Use shall be deemed amended to the minimum extent necessary to make them valid and enforceable.

Contact Information

If you have any questions regarding these Terms of Use, please contact NAU Country Insurance Company.

Privacy Policy

NAU Country Insurance Company is committed to providing you with excellent service. Because we respect your right to privacy, we have developed this Privacy Statement to inform you about our privacy practices for the entire site.

This Privacy Statement will inform you of:

• What information our site gathers about you
• How we use and with whom we share the information we gather
• What security procedures we have in place to protect your information from loss, misuse, or alteration

Questions regarding this Privacy Statement should be directed to NAU Country Insurance Company. Please specify "Privacy Statement" in the subject line of your e-mail.

Overview

Privacy is of great concern to most users of the Internet, and is a critical part of an enjoyable and satisfactory user experience. We at NAU Country Insurance Company are acutely aware of and sensitive to the privacy concerns of our subscribers and other visitors to our Web site. Whether you are a customer of our various products and services or a visitor to our site, we assure you that we do not collect personal information from you unless you provide it to us. If you are enrolling for a NAU Country Insurance Company electronic UserID you will be asked to provide certain personal information. Please note, however, that we are asking for this information for the limited purposes of creating your UserID, providing the services that may be part of your account, and authenticating your identity in order to provide you with secure access to your account information. You should also be assured that we do not provide or sell information about our customers or site visitors to vendors that are not involved in the provision of NAU Country Insurance Company's services.

This Privacy Statement applies to NAU Country Insurance Company's site only. Many of our affiliated companies maintain their own privacy policies that may be viewed on their respective Web sites. We strive to provide our visitors and subscribers with the highest level of privacy possible.

Please note that our site contains links to other sites. NAU Country Insurance Company is not responsible for the privacy practices, privacy statements, or content regarding these other sites.

Privacy Policy Enforcement

If you feel that we are violating this Privacy Statement, please contact us at NAU Country Insurance Company. Please specify "Privacy Statement" in the subject line of your e-mail.

Personal Information

We do not collect any personal information from a visitor to our site unless that visitor explicitly and intentionally provides it. Under no circumstances do we collect any personal data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, health, or private life. If you are simply browsing our site, we do not gather any personal information about you.

There are two ways in which you may explicitly and intentionally provide us with and consent to our collection of certain personal information:

• E-mail Request for Information
• Registrations for Online Account

We use links throughout our site to provide you with the opportunity to contact us via e-mail to ask questions, request information and materials, register for or access your NAU Country Insurance Company account, or provide comments and suggestions. You may also be offered the opportunity to have one of our representatives contact you personally to provide additional information about our products or services. To do so, we may request additional personal information from you, such as your name and telephone number, to help us satisfy your request.

Enrollment

If you choose to enroll for one of our products or services, we will request certain information from you. Depending on the type of product or service that you request, you may be asked to provide different personal information. For certain products and services, we may require your name, address, telephone number, e-mail address, and/or social security number (SSN) or Federal Employee Identification Number (EIN). Other products and services may require different or supplemental information from you in order to apply. For a detailed listing of the type of personal information requested for our various products, please refer to the enrollment page for the particular product or service.

Statistical Information About Your Visit

When you visit our site, our computers may automatically collect statistics about your visit. This information does not identify you personally, but rather about a visit to our site. We may monitor statistics such as how many people visit our site, the user's IP address, which pages people visit, from which domains our visitors come and which browsers people use. We use these statistics about your visit for aggregation purposes only. These statistics are used to help us improve the performance of our Web site.

Use of Cookies

We only use "cookies" as described in this Section. A "cookie" is a piece of information that our Web site sends to your browser, which then stores this information on your system temporarily. When a cookie is used, our Web site will be able to "remember" information about you and your account only until you exit your current browser window. The cookies our system creates contain only a randomly generated "key" that is deleted when you close the browser window and end the session. Cookies are not able to "invade" your hard drive and return to the sender with personal or other information from your computer.

If you choose not to accept a cookie, you may not be able to use some of the functions of our web site.

How We Use and With Whom We Share the Information We Gather

We assure you that the information we gather from you is used by us only as explained in this policy. If we are required by law to disclose certain information to local, state, federal, national or international government or law enforcement authorities, we will do so (for example, we must disclose the identity of policyholders to the U.S. Department of Agriculture and its agencies).

Our Security Procedures

We consider the protection of all personally identifiable information we receive from our Web site visitors and subscribers as critical to our corporate mission. Please be assured that we have security measures in place to protect against the loss, misuse, and alteration of any information we receive from you. As with any transmission over the Internet, however, there is always some element of risk involved in sending personal information. In order to try to minimize this risk, we encrypt all information that you submit in ordering one of our products or services using the Secure Sockets Layer (SSL) protocol. Our security procedures are also subject to at least an annual third-party audit.