Terms Of Use

Date Modified: September 1, 2021

These Terms of Use for ALTOR National Liability Insurance, LLC (ALTOR), which include:

• Privacy Policy,
• Business Associate Agreement, and
• Consent to Electronic Communications

govern your access to and use of the ALTORNTL.COM website (Now referred to as Site). Your use of the Site is expressly conditioned on your acceptance of these Terms of Use.

By using the Site, including by navigating through pages within the Site or downloading any Content (defined below) from the Site, you agree to abide and be legally bound by these Terms of Use, including any changes or updates that may be posted on the Site from time to time. The Terms of Use as posted on any given date that you use the Site shall govern such use.

Please read these Terms of Use carefully before using the Site as they govern your access to and use of the Site, as more fully explained below.  If you do not agree with any part of the Terms of Use, you must not use the Site or complete any transaction with the ALTOR payment program.

Continued use of the Site by you will constitute your acceptance of any revisions to the Terms of Use. Please check this page regularly as content may be updated from time to time.

Agreement to be Legally Bound by These Terms

Limited License

The content on the Site, including without limitation, the materials, information, text, software, code, scripts, graphics, photos, sounds, music, videos, interactive features and the like, as well as the trademarks, service marks, and logos (collectively, the “Content”), are owned by or licensed to ALTOR unless expressly disclaimed and are subject to copyright, trademark and other intellectual property rights under the law.

Subject to these Terms of Use, ALTOR grants you a limited right to view, access, and display the Content within the Site for personal use only. Your limited license is not transferable, nor is it exclusive to you. ALTOR may terminate your license, in whole or in part, for any reason and at any time with or without notice. Your license is also dependent on your agreement not to interrupt or attempt to interrupt the operation of the Site.

You may download the Content only for the purposes stated above. This license is not a transfer of title in the Content or any copies of the Content and is subject to the following restrictions:

1. You may not modify the Content in any way (including the removal of any copyright or other proprietary notice contained in the Content), or reproduce or publicly display, perform, or distribute or otherwise use the Content for any public or commercial purpose.
2. You agree to abide by all additional restrictions as may be displayed on the Site from time to time. The Site, including all Content, is protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws in your use of the Site and to prevent any unauthorized copying of the Content. Except as expressly provided herein, ALTOR does not grant any express or implied right to you in or to any Content.

Disclaimer

CONTENT PROVIDED THROUGH THE SITE MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. ALTOR DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE CONTENT OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER CONTENT DISPLAYED OR DISTRIBUTED THROUGH THE SITE. THE CONTENT OF THIS WEBSITE IS FOR YOUR GENERAL INFORMATION ONLY, AND IS NOT INTENDED TO, CONSTITUTE LEGAL ADVICE.

FOR COMPLETE DETAILS ABOUT ANY POLICY OR SERVICES OFFERED BY ANY ALTOR COMPANY, YOU SHOULD CONTACT YOUR LOCAL ALTOR AGENT. POLICIES AND SERVICES ARE OFTEN PROVIDED ON AN INDIVIDUAL BASIS AND WILL VARY DEPENDING ON YOUR SPECIFIC SITUATION. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH OPINION, ADVICE, STATEMENT, MEMORANDUM, OR CONTENT WILL BE AT YOUR SOLE RISK.

ALTOR RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO MAKE CHANGES TO THESE TERMS OF USE, THE SITE AND THE CONTENT, AND THE PRODUCTS, PROGRAMS, SERVICES AND PRICES (IF ANY) DESCRIBED IN THE SITE AT ANY TIME WITHOUT NOTICE. THE SITE, AND CONTENT ON THE SITE, ARE PROVIDED “AS IS” WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND.

Legal Advice

The content of this website is for your general information only, and is not intended to, constitute legal advice. Do not use the information in this Site as a substitute for competent legal advice from a licensed attorney in your State. 

This Site is not intended to create attorney-client relationship between you and us, even if you contact us by phone or e-mail. Any information offered on this Site does not constitute as legal advice and should not be considered as such. Any attempt to provide information regarding a potential claim through email, mail or voicemail does not fulfill an insured reporting obligations under the policy. If you are a policy holder who is faced with an event that could result in a claim, please follow the instructions listed on How to Report a Claim or refer to your policy.

Information Provided by You

ALTOR does not want you to, and you should not, send any confidential or proprietary information to ALTOR via the Site except as expressly or implicitly indicated by the Site functionality.

To the extent you provide any  materials or information to ALTOR other than nonpublic personal information, you grant to ALTOR an unrestricted, perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, sub-license, transmit and distribute such materials and information, in any medium and in any form, and you further agree that ALTOR is free to use any ideas, concepts or know-how that you or individuals acting on your behalf provide to ALTOR through or by means of the Site.

ALTOR does not monitor emails or communications from this website at all times.  If your matter is urgent, please phone our office.  We do not use encrypted email. 

You further acknowledge that ALTOR does not want you to, and you warrant that you will not, provide to ALTOR, or post or transmit through the Site, any information that is defamatory, threatening, obscene, harassing, or otherwise unlawful, that infringes the intellectual property rights of another, or incorporates the proprietary material of another.

Username Accounts

In order to access some features of the Site, including the Online Account, you may have to create a username account. The information you provide at that time will constitute the basis for your username account. You may never use another’s username account without permission.

When creating your username account, you must provide accurate and complete information. You agree that you will not provide a false or fraudulent email address.  If you create any username account that contains false information or omits any material information, you may not access or use the Site, and waive any rights to do so, including those described in these Terms of Use.  

You are solely responsible for the activity that occurs on your username account.  Should you establish a username and password on the Site, you must keep your username account password secure. ALTOR is not responsible for any other Site user or third party’s use or theft of your username and password. You must notify ALTOR immediately of any breach of security or unauthorized use of your username account. Although ALTOR will not be liable for your losses caused by any unauthorized use of your username account, you will be liable for the losses of ALTOR or others due to such unauthorized use.

ALTOR reserves the right to take appropriate action against any person who misrepresents his or her identity or improperly or fraudulently accesses policy information on the Site. This action may include, but is not limited to, legal action against any person accessing policy information in violation of any state or federal law or regulation.

ALTOR may use the information you provide on the Site and any other website operated by ALTOR, including your username account information, for any purpose, commercial or non-commercial, including without limitation for marketing purposes and for distribution of electronic mail messages to any email address provided.

Account Termination

ALTOR may terminate your username account and, to the extent possible, your access to the Site if ALTOR determines that you have taken any action in violation of these Terms of Use. Further, ALTOR may terminate, block or otherwise inhibit access to any Site visitor ALTOR deems to have violated any of these Terms of Use, including by blocking any IP address or other indication of the source of behavior, content or usage of the Site that violates these Terms of Use.

Third Party Sites

As a convenience to you, ALTOR may provide on the Site links to websites operated by other entities. If you link to and use any such websites, you will leave the Site, and you may be subject to the terms and conditions governing the use of such third-party websites. Clicking on any link within the Site to a third-party website is done solely at your own risk, and it is your responsibility to take all protective measures to guard against viruses or other destructive elements that may arise or result from the use of any third party website.

ALTOR makes no warranty or representation regarding, and does not endorse, any linked websites or the information appearing thereon or any of the products or services described thereon. Links to third party websites do not imply that ALTOR sponsors, endorses, is affiliated or associated with such third parties, or that ALTOR’s legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through such websites, or that any linked website is authorized to use any trademark, trade name, logo or copyright symbol of ALTOR.

Paperless Billing and Electronic Consent

ALTOR is pleased to offer electronic delivery of invoices and debit withdrawal notices (collectively, “Billing Documents”) applicable to your eligible selected policies. Only those policies that you have selected will be enrolled for this service.  Not all policies are eligible for this service.  You must complete ALTOR’s electronic paperless billing form to enroll in “Paperless Billing”.  By agreeing to enroll in Paperless Billing, you are also providing ALTOR with Electronic Consent to send communications.

“Paperless Billing” refers to the services available through the Site that permit you to electronically view Billing Documents. By enrolling in Paperless Billing, you consent to electronic delivery and agree to be bound by these Paperless Billing Terms of Use, in addition to the other Terms of Use for the Site. If you do not agree with any of these Terms of Use, you may not enroll in Paperless Billing.  We are not required to deliver information electronically.  We may discontinue Paperless Billing in whole or in part, or change the Terms and Conditions, at any time. Your continued participation in Paperless Billing will constitute your acceptance of any revisions to these Terms of Use. Please check these Terms of Use on the Site regularly.

Upon enrolling in Paperless Billing, you will receive a confirmation email from us. You should contact ALTOR CUSTOMER SERVICE at 1-844.442.5867 if you do not receive this confirmation email within 48 hours.

You agree to electronically receive eligible Billing Documents either (1) via e-mail; or (2) by your accessing the Site through your username account, pursuant to an e-mail notice that we send to you at the time a Billing Document becomes available.  It is your responsibility to log in to your username account for the Site to view your Billing Documents.  We may continue to send paper copies of certain documents to you via United States Postal Services (USPS), if required by law or as otherwise necessary due to technical or process considerations.  Electronic delivery is not currently available for all documents.

It is your responsibility to maintain a valid, current email address and immediately notify us of any change in your email address through your Username Account. Ensure that your email is active and capable of receiving new emails from us.  Your email account must have sufficient space for new emails and your email server and spam-blocking software must not block our emails. We are not responsible for problems arising from emails sent to an inactive or out-of-date email address, or for email messages that are undeliverable because your email address was not capable of receiving email messages from us, unless we are solely negligent for using an incorrect address. We will make an additional attempt to redeliver an email message that is returned to us as undeliverable. If it is returned once again as undeliverable, we will presume that you have withdrawn your consent, you will be unenrolled in Paperless Billing, and going forward your Billing Documents will be sent to you via the United States Postal Service (USPS).

Your consent to enrollment in Paperless Billing will remain in effect for each selected policy until termination or cancellation of the policy, or until you revoke your consent. Electronic delivery will remain in effect following any policy modification or renewal.  There is no charge associated with enrolling or unenrolling in Paperless Billing. You may unenroll from Paperless Billing and withdraw your consent to transact business electronically by updating your preferences through your username account under Settings.  (Please allow up to 24 hours to process your unenrollment.) Your invoice delivery selection does not alter the payment due date or debit withdrawal date and may not take effect until the next billing cycle. 

Billing Documents will be made available via your username account in a PDF or HTML format, so you must have a valid email account, access to an Internet browser, appropriate document viewer and an active username account to access and view the Billing Documents.  If you wish to print billing documents, you must also have access to a printer.  Note that you may have the ability to access and view your Billing Documents on demand through the Site.

We will not send you a paper copy of any Billing Document unless you request it, we otherwise deem it appropriate, or we are legally required to do so. You may obtain a paper copy of any Billing Document we provide to you electronically by printing it yourself or by requesting that we mail you a paper copy. To request a paper copy of a Billing Document, contact your ALTOR Agent, or ALTOR Customer Care at 1844.442.5867. 

All communications in either electronic or paper format from us to you will be considered “in writing.” You should print or download for your records a copy of all Billing Documents, these Paperless Billing Terms and Conditions and any other document that is important to you.

You acknowledge and agree that your consent to transact electronic business is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and your state’s UETA law as applicable.

Payments

We offer the convenience of paying your premium online with a credit card or via ACH. A service fee charged by ePayPolicy of 3.5% applies ONLY to Credit Card transactions. ePayPolicy retains this fee for its services related to processing credit cards. Although you will see one charge to your credit card, the fee is separate and distinct from the charge you will incur from paying your ALTOR National Liability Insurance invoice.

Any fees incurred due to NSF, returned checks or cancellation of payments will be applied to your account balance.

In the event that your payment is not funded by your banking institution, a notice of cancellation will be processed in line with any previous notices you have received.  

Making a payment after a policy has canceled due to nonpayment of premium will not reinstate your policy. 

It is our practice to confirm payments by e-mail. By agreeing to ePayPolicy, you are also agreeing to our Consent of Electronic Communications. The receipt of an e-mail confirmation does not constitute our acceptance of a payment.

Limitations of Damages

In no event will ALTOR, or its employees, officers, directors or any of its subsidiaries, 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) that are related to the use of, or the inability to use, any aspect of the site including without limitation the content and functions of the site or any linked website, even if ALTOR is expressly advised of the possibility of such damages.

Changes to These Terms of Use

ALTOR reserves the right, at its sole discretion, to modify, add or remove all or any portion of these Terms of Use at any time. Changes will be effective when they are posted. Your continued use of the Site or Online Account after any changes are posted will be considered acceptance of those changes. If you do not agree to any changes, you may not continue to access or use the Site. ALTOR may terminate, change, suspend or discontinue any aspect of the Site, including the availability of any features of the Site, at any time and without notice or liability. ALTOR may also impose limits on certain features and services or restrict your access to all or part of the Site without notice or liability.

Location of Use and Choice of Law

The Site is controlled, operated and administered by ALTOR from its offices within the Austin, Texas, United States of America. ALTOR makes no representation that the Site, or any Content, is appropriate or available for use at other locations outside of the United States, and access to the Site from territories where the Contents is illegal is prohibited. The Site is not intended to, and may not be used to, provide information regarding insurance products in any state where ALTOR is not licensed to do business. You may not use the Site or export any Content in violation of United States export laws and regulations. If you access the Site from a location outside of the United States, you are responsible for compliance with all local laws.

You and ALTOR agree that the laws of the Texas 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.

Relation to Other Agreements or Policies

These Terms of Use, and ALTOR’s Privacy Policy, which is hereby incorporated into and made part of these Terms of Use, constitute the entire agreement between ALTOR and you with respect to your access to and use of the Site and any Content.

Severability

If for any reason any provision of these Terms of Use is ruled to be unenforceable, that provision will be enforced to the maximum extent permissible so as to affect the intent of the Terms of Use, and the remainder of the Terms of Use will continue in full force and effect.