Date Modified: September 1, 2021
Agreement to be Legally Bound by These Terms
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.
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:
- 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.
- 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.
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.
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.
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.
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.
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.
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.
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.
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.
Relation to Other Agreements or Policies