VGM Heartland Accessibility Statement
Any individual, organization or public entity that uses the VGM Heartland (the “website”) does so subject to the following terms and conditions.
- Use of Website
This website provides information about financial products and services available from or through VGM Heartland or its subsidiaries and affiliates (“we” or “us”).
We may make changes to the products or services shown on this site at any time. Not all products and services we offer may be available in each of the locations where we do business, and products may not be available in every location on the same terms. Our products and services are offered only in jurisdictions where they may be lawfully offered.
- Links to Third Party Sites or Products
This website may provide links to website controlled by third parties who are not VGM Heartland affiliates or subsidiaries. If we create such a link, we will let you know when you are leaving our website. We disclaim liability for any information, materials, products or services offered at any of the third party sites linked to this website. The availability of a link to another party’s website is provided as a convenience, but it does not constitute an endorsement or sponsorship of any third party or their products, and does not create an affiliation or partnership between VGM Heartland and any third party. You should also be aware that third parties have different privacy policies than VGM Heartland, and those third parties may treat your personal information differently than we do, and may have different information security practices.
- No Warranty
We try to ensure that the information on this site is accurate and up-to-date. However, we do not warrant information appearing on this site or services provided through this site for completeness, timeliness or accuracy. All content is provided “as is,” without warranty of any kind, either express or implied. We disclaim any implied warranty, including but not limited to any warranty of merchant ability, fitness for a particular purpose, or non-infringement.
- Limitation of Liability
VGM Heartland will not be liable for any damages if this website is unavailable for any reason, or if your computer or any program you use is infected by a virus or other malicious program. In no event will VGM Heartland be liable for any special, indirect, incidental or consequential damages, or any damages for loss of use, lost data or lost profits arising out of or relating to the use of this website or the copying, display or use of information accessed through this site, whether or not VGM Heartland was advised of or aware of the possibility of such damages. This disclaimer of liability is effective without regard to the form of any action, including but not limited to contract, negligence, tort, strict liability or any other theory.
- Unauthorized Use
Unauthorized use of our website and computer systems, including but not limited to unauthorized entry into our computer systems, misuse of passwords, or misuse of any information posted to this site, is strictly prohibited. Any attempted unlawful use may subject you to liability for damages or criminal prosecution.
- Other Service Agreements
If you are a VGM Heartland customer and access your account information or conduct transactions through this site, the terms and conditions of the particular service supplement these website terms and conditions. If these website terms and conditions conflict with the agreement or disclosures governing the particular service you receive from us, the terms, conditions and disclosures governing that particular service will control.
- Online Payment Refund Policy
Policies canceled for non-payment of premium will be canceled using a short rate calculation. Policies that are canceled due to insured request will be canceled on a pro rata basis. Return premiums will be mailed per state requirements. All online payments are subject to the following criteria:
- Payment will be accepted ONLY for the exact amount on your VGM Insurance, VGM Specialty Underwriters or PT1 Insurance invoice. Payment will not be accepted for any other carriers.
- Full invoice amount must be paid. Partial payments are not accepted.
- Payment is not accepted as a request to bind. To bind, we must have completed and signed bind request documents in our office.
- Jurisdiction; Entire Agreement
These website terms and conditions will be governed by and interpreted under the laws of the USA, and other applicable federal laws. If any part of these terms and conditions is unenforceable, that part will be considered sever able, and will not affect the validity of any remaining provisions.
We reserve the right to revise these Terms and Conditions at any time by updating this agreement online. Revisions will be effective as of the time the revised agreement is posted online. We are not required to notify you of changes to these Terms and Conditions before they become effective.
You may not copy the material on this site, upload, post, publish, transmit or distribute it in any way (whether electronically or otherwise) or create other works based on it, including but not limited to use as meta tags on other pages or sites on the World Wide Web without VGM Heartland prior written consent. Copies made incidentally in the ordinary course of your use of this website (such as in cache memory) and a reasonable number of printed copies for your own personal or internal business use are permitted, provided you do not delete or change any copyright, trademark or other notices. Title to and all intellectual property rights in the material on this site remain in VGM Heartland and its licensees.
The trademarks, logos and service marks (the “Marks”) displayed on the website are the property of VGM Heartland and other parties.