Your use of this Website is expressly conditioned on your acceptance of these Terms of Use. If you do not agree with any part of the Terms of Use, you must not use this Website. This Terms and Conditions of Use is a legal agreement (the “Agreement”) between you and Magnum Insurance Agency Inc. (“MAGNUM”). The Agreement sets the terms and conditions for using the website (“Website”). By accessing, browsing, or using the Website in any other way, you acknowledge that you have read, understand, and agree that the terms of this Agreement bind you. You further agree to comply with all applicable laws and regulations. Continued use of this Website by you will constitute your acceptance of any revisions to the Terms of Use. Please check this page regularly.

Except where otherwise indicated, all materials contained in this Website are the copyrighted property of MAGNUM and/or third-party licensors. The trademarks, titles, trade names, images, graphics, designs and other content appearing on this Website are protected intellectual properties that are owned by MAGNUM or used with permission. Nothing contained on this Website confers any right under any trademark, copyright or other intellectual property right, except as expressly provided on this Website.

The Apple name and logo are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Play and the Google Play logo are trademarks of Google Inc. All other trademarks or service marks are the property of their respective owners.
Permission is hereby granted to use, copy and distribute these materials as presented in this Website and without alteration for non-commercial purposes only; provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.

Except as expressly provided herein, you shall not use any portion of this Website, or any other intellectual property of, on any other Website, in the source code of any other Website, or in any other printed or electronic materials. Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this Website’s content or frame this Website within any other Website without our prior written permission. Systematic retrieval of data or other content from this Website to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from MAGNUM, is prohibited.

SMS Text Message/Email Policy
By purchasing a policy with MAGNUM, you consent to receive text and email messages sent by MAGNUM for business purposes by an automatic system. Consent to these terms is not a condition of purchase. Message and data rates may apply. For texts: To Opt-Out reply STOP to the text message to cancel. For emails: To Opt-Out click on the opt-out link in the Email to stop receiving emails. If you have any questions or are having issues opting out, please call our customer support at (888) 539-2102.

Third-Party Sites
This Website may contain links to sites maintained by third parties. MAGNUM is not responsible for the content or the privacy policies of those sites. The existence of such links should not be considered an endorsement or recommendation of those sites or of any party who is associated with those sites. If you decide to leave the Website and access such websites, you do so at your own risk and you should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Website. You acknowledge that by providing you with the ability to access and view links on the Website, MAGNUM is merely acting as a passive conduit for such distribution and is not undertaking any obligation or liability relating to any such linked Website or content thereon.

Submitted Ideas Policy
When you submit ideas or materials to MAGNUM, such as for marketing, advertising, promotions, contest, products, services, devices, processes, trademarks, logos, artwork, music, photos, or videos, you grant MAGNUM the unrestricted rights to use and disclose such ideas, suggestions, knowledge, expertise, comments, or concepts for any purpose without compensation or obligation to any party.

User Conduct
You agree to use the Website only for lawful purposes. You agree not to take any action that might compromise the security of the Website, render the Website inaccessible to others or otherwise cause damage to the Website or the Content. You agree not to add to, subtract from, or otherwise modify any content on the Website, or to attempt to access any content that is not intended for you. You agree not to use the Website in any manner that might interfere with the rights of third parties.
You are prohibited from violating or attempting to violate the security of this Website, including, without limitation, accessing data or logging onto a server or account which you are not authorized to access; attempting to breach security or authentication measures and attempting to interfere with service to any user, host or network, including via means of introducing a virus to the Website, overloading or flooding, spamming, mail bombing or crashing.

MAGNUM may collect and store personally identifiable information about you if you voluntarily submit such information to MAGNUM. Personally identifiable information may include your name, email address, physical address and other information that specifically identifies you. MAGNUM may also automatically collect (through cookies, described below, and other methods) and store aggregate or anonymous information about user contact with and use of the Website. Examples of this type of information include demographic information, the type of internet browser you are using, the length of time you spent on the Website, the domain name of the Website from which you linked to our Website and your browsing habits on and usage of the Website. Non-personally identifiable information may also include personally identifiable information that has been aggregated so that no one individual is specifically identifiable (such as, how many users in a particular city access the Website). MAGNUM will use any personal information you supply through this Website in accordance with its Privacy Policy.

Password Registration
Some sections of the Website and App are restricted and require a user identification code (“User ID”) and a password for access. Unauthorized use of or access of such sites is strictly prohibited.

In accessing MAGNUM Websites requiring a User ID and password, you agree that:

  • MAGNUM is entitled to act on instructions received under your User ID and password.
  • MAGNUM is not liable for any unauthorized access to your personal information that is not the direct result of gross negligence or intentional misconduct on the part of MAGNUM.
  • You will keep your password confidential and you will notify MAGNUM immediately if you believe someone else has obtained your User ID and password or any unauthorized access to the online service site has occurred or may occur.
  • MAGNUM may block access to the online service site without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons.

Geographic Location Identification
When you visit our Website, you may see messages tailored to your specific state or city. We are able to identify your general geographic location using a system that recognizes and pinpoints the location of publicly routed IP addresses – the unique numbers computers use to communicate with other devices on computer networks. Though we can identify your geographic location, we do not receive your personal information. We identify your location only to provide a more tailored experience for you.

MAGNUM collects anonymous, non-confidential, and non-personal information when you use our Website, send us emails, or respond to special promotions or newsletters that we may send to you from time to time. For example, cookies are small computer files that we transfer to your computer’s hard drive that allow us to know how often someone visits a Website and the activities they conduct while on that Website (whether you subscribed to our newsletter, requested more information, etc.). Every computer is assigned a different cookie by MAGNUM. The information collected by cookies helps us dynamically generate content on pages and also allows us to statistically monitor how many people are using our Website or are opening our emails. We may use cookie information to determine the popularity of certain content or advertisements. It may be possible to link non-personal cookie information to personally identifiably information collected. You may be able to turn off cookies in your browser, but this may hinder our ability to provide you with certain services or your ability to enjoy certain features of the Website.
Non-Waiver of Our Rights.
You agree that our failure to enforce any rights under this Agreement or applicable law cannot be construed as a waiver of our rights in any way.
No Representation Regarding Jurisdictional Availability.MAGNUM makes no representation that the documents, pages, images or other materials or content on this Website are appropriate or available for use in jurisdictions outside the U.S.A. or in all states and jurisdictions in the U.S.A.

Jurisdiction / Enforceability
Use of this site shall be governed by and construed in accordance with the laws of the State of Illinois without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Cook County, Illinois. If any part of this Agreement is determined by a court of competent jurisdiction to be invalid or unenforceable, it will not impact any other provision of this Agreement, all of which will remain in full force and effect.

Disclaimer of Warranty
The content and materials in this site are provided “as is” and without representations or warranties of any kind, either express or implied. To the fullest extent permitted by law, MAGNUM expressly disclaims all warranties, express or implied, with respect to this site including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement. MAGNUM does not warrant or represent that the functions or operation of this site will be uninterrupted or error-free, that defects will be corrected, or that this site, its servers or any e-mail sent from MAGNUM are free of viruses or other harmful components.

Limitation of Liability
To the fullest extent permitted by law, MAGNUM shall not be liable for any injury, loss, claim, or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, which arises out of (a) the use of, or inability to use, this site or content found in this site, or (b) unless resulting from the gross negligence or intentional actions of MAGNUM, the unauthorized access to or alteration of your transmissions or data, even if MAGNUM has been advised of the possibility of such damages.