Terms and Conditions

The material provided on this website, including the information and any images incorporated in the site, is for your personal, private, non-commercial use only. You may not modify, republish, post or transmit anything you obtain from this website, including anything you download from the site, unless you first obtain our consent. You agree not to engage in systematic retrieval of data or other content from our site.

We request that you not create any kind of hyperlink from any other site to ours unless you first obtain our permission.

It is very important that you read the next two sections carefully.

LIMITATION OF LIABILITY

OCCIDENTAL FIRE & CASUALTY COMPANY OF NORTH CAROLINA (OCCIDENTAL) WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM YOUR USE OF ITS SITE(S). THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY:

• USE OF (OR INABILITY TO USE) THE SITES;
• USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM ITS WEBSITES;
• FAILURE OF PERFORMANCE;
• ERROR;
• OMISSION;
• INTERRUPTION;
• DEFECT;
• DELAY IN OPERATION OR TRANSMISSION;
• COMPUTER VIRUS; OR
• LINE FAILURE.

WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. FURTHERMORE, EXCEPT AS PROVIDED BELOW, WE ARE NOT LIABLE EVEN IF WE HAVE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES—OR BOTH.

HOWEVER, IN CERTAIN STATES WHERE THE LAW MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR THESE INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY AND YOU MAY HAVE THE RIGHT TO RECOVER THESE TYPES OF DAMAGES. IN ANY EVENT, OUR LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, INJURIES AND CLAIMS OF ANY KIND, WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, OR THEY ARE CLAIMED TO BE CAUSED BY NEGLIGENCE OR OTHER WRONGFUL CONDUCT OR ANY OTHER LEGAL THEORY, WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITES.

DISCLAIMER

THE MATERIAL ON OUR SITES IS PROVIDED AS IS. THIS MEANS THAT OCCIDENTAL DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN THE SITES. THIS INCLUDES, BUT IS NOT LIMITED TO, WARRANTIES THAT:

• THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE;
• THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE;
• THAT DEFECTS WILL BE CORRECTED;
• THAT OUR SITE(S), OR THE SERVER(S) THAT MAKE THEM AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR
• THAT INFORMATION CONTAINED IN THE SITE(S) IS ACCURATE AS OF ANY PARTICULAR DATE.

We sometimes provide access to other World Wide Websites from our sites or you may have reached our site from another site. However, we do not endorse or approve any products or information offered to you at sites you may reach from our sites or from which you may have reached our site. The Uniform Resource Locator (URL) address in your web browser will tell you if you are still in the OCCIDENTAL site or have moved elsewhere.

By providing material on our website OCCIDENTAL does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer. OCCIDENTAL is entitled to terminate all or part of any of its Websites at any time, without notice to you.

When you select a password and sign-up in order to access OCCIDENTAL’s online policyholder services, you agree to the following conditions:

• OCCIDENTAL is authorized to act on instructions received under your password without any requirement to question those instructions;
• OCCIDENTAL is not liable for any unauthorized access to your personal information that is not directly due to the negligence of OCCIDENTAL;
• Your password contains sensitive information and you will keep it confidential and secret;
• You will notify OCCIDENTAL immediately if you believe anyone else has learned your password or if you believe an unauthorized access to OCCIDENTAL or your personal information has occurred or may occur;
• OCCIDENTAL may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so.

JURISDICTION

Unless otherwise specified, the materials in our site are presented to provide information about Occidental our insurance products and the insurance business. Occidental operates and controls its sites from the Company’s headquarters in Raleigh, North Carolina, in the United States of America , and North Carolina law shall govern and control any action concerning the Occidental sites. We do not in any way imply that the materials on the sites or the products we discuss are available or for use outside the United States or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction. By completing an on-line request for a rate quote, you are confirming that you are not a resident in any such jurisdiction.

By using the www.OcciQuote.com and/or www.OcciDirect.com websites, you agree to these Terms and Conditions of Website Use.

MISCELLANEOUS

These Terms and Conditions of Website Use, and the agreement they create, shall be governed by and interpreted according to the laws of the State of North Carolina, without giving effect to North Carolina’s conflict of laws principles.

If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.

OCCIDENTAL may modify these Terms and Conditions of Website Use, and the agreement they create, at any time, simply by updating this posting or the information on its website and without notice to you.