For purposes of this Terms and Conditions statement only "We (or Us and Our)" is defined as MiddleOak® which is the Brand Group Name for Middlesex Mutual Assurance Company and Holyoke Mutual Insurance in Salem - Salem, MA.

These terms and conditions are applicable to use of this website, regardless of how you accessed it.

Please read these Terms and Conditions carefully. By making use of this website to generate or access an insurance quote, inquire about coverage, request service on a policy, request or inquire about financial services, access your accounts, you agree to be bound by the Terms and Conditions set out below and any additional terms and conditions set forth on individual pages of the website. If you do not wish to be bound by these Terms and Conditions, do not continue to use or access this website.

Your continued use of this website constitutes your binding acceptance of these Terms and Conditions, including any changes or modifications made hereafter. The updated, on-line version of these Terms and Conditions shall supersede any prior version. By accepting and agreeing to these Terms and Conditions, you represent that you have full power and authority to enter into and perform this agreement and that such ability is not limited or restricted in any way.

Product and Service Information
Insurance products and services promoted through this website are underwritten and issued by Middlesex Mutual Assurance Company – Middletown, CT and Holyoke Mutual Insurance Company in Salem – Salem, MA. The descriptions of the various products and services contained in this website are provided solely for general informational purposes. The information and descriptions contained herein are not intended to be complete descriptions of all terms, conditions and exclusions applicable to the products and services.

The precise insurance coverage under any product is subject to the terms, conditions and exclusions in the actual policies as issued. Products and services described in this website vary from state to state and not all products, coverages or services are available in all states in which We operate. Check with your agent or Contact Us for more information.

Quote Information and Restrictions
Any quote provided or facilitated through use of this website is not a contract, binder or agreement to extend insurance coverage. Actual coverage available may vary based on the laws of each state.

If a policy is issued to you, the premium will be based on the information, rates and rules in effect at that time for the issuing insurance company. Quotes are based on the information provided by you, and all information is subject to verification. If any information you provided is inaccurate, incomplete, or additional information is discovered, the quoted rate will be invalid and a new rate may apply. To obtain coverage, you must submit an application to a qualified MiddleOak® representative and a policy must be issued to you.

Under certain state laws regarding privacy protection, we are required to inform persons applying for insurance about our information practices. For more information about privacy and Our use of information you provide, please read our Privacy Policy. Most of the information We use in underwriting comes from you on the application you will submit for insurance. However, as part of our regular underwriting procedure, and in otherwise servicing your policy, we may collect personal information about you from third parties, such as credit bureaus or insurance support organizations.

In certain situations, we may need to disclose personal and privileged information We collect about you to third parties without your consent, as allowed by law. For example, in order to conduct our business we may exchange some information about you with agents and their staff, and with other insurance companies with whom you have or have had policies. We may share information in our files with other affiliates in the COUNTRY® Financial group, as allowed by law and as necessary to facilitate that affiliate company's transaction with you. You have the right to access and correct personal information we collect. To contact us or read more details about privacy, please read our Privacy Policy.

License Information
We provide this information to promote insurance products within specific jurisdictions in the United States of America only. This information is only applicable to and intended for use in those areas in which We transact insurance business. Middlesex Mutual Assurance Company and Holyoke Mutual Insurance Company in Salem may not sell insurance in states in which it is not licensed. A listing of the states in which We write business is listed in the state selection section found on our homepage. Please note that while Middlesex Mutual Assurance Company has an exemption from the states of Michigan and Minnesota to issue yacht policies in those states, it is not an authorized admitted insurer.

User Responsibilities
You are solely responsible for any information you provide us or other users through your use of this website, and you agree that information you provide will be accurate and will not a) infringe any third party's copyright, trademark or other proprietary rights of publicity or privacy; nor b) be defamatory, libelous, otherwise threatening or harassing, or otherwise violate any applicable law or regulation. You may not use the website to conduct any illegal business or activity.

Information you provide to the website may be lost or destroyed, or may be edited or removed from the website by us. We are not responsible for the loss of such information. You should retain copies of all important information you provide to the website.

We operate a commercial website, and insurance transactions with MiddleOak® are not intended for children. We do not knowingly collect or solicit any information from or about any children for marketing purposes through this website.

Intellectual Property Rights
MiddleOak®, MiddleOak Specialty®, Middlesex Mutual Assurance Company and Holyoke Mutual Insurance Company in Salem are names, logos, and marks are the property of Middlesex Mutual Assurance Company. You are not authorized to use any name or mark in any advertising, publicity, or in any other commercial manner without our written consent. All rights in and to the website belong to Middlesex Mutual Assurance Company. The website and its content, aside from user contributions, are protected by copyright, both with respect to individual content and as a collective work and/or compilation, pursuant to U.S. copyright law, international conventions, and other copyright laws. You may not modify, publish, create derivative works from, distribute or otherwise exploit any of the website's protected content without Our prior written consent.

Limitation of Liability, Waivers and Disclaimers
YOU EXPRESSLY AGREE THAT USE OF THIS WEBSITE IS AT YOUR SOLE RISK. NEITHER MIDDLESEX MUTUAL ASSURANCE COMPANY, HOLYOKE MUTUAL INSURANCE COMPANY IN SALEM, NOR ANY OF ITS PARENTS, AFFILIATES, SUBSIDIARIES, ASSIGNEES, LICENSEES, OFFICERS, AGENTS, EMPLOYEES (KNOWN ALL TOGETHER HERE AS "MiddleOak®”)WARRANT THAT THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE.

THE WEBSITE IS OFFERED "AS IS" AND "AS AVAILABLE" WITH NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF SECURITY, TITLE, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. ALL WARRANTIES ARE DISCLAIMED.

MIDDLESEX MUTUAL ASSURANCE COMPANY AND HOLYOKE MUTUAL INSURANCE COMPANY IN SALEM SHALL HAVE NO LIABILITY FOR ANY INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL OR PUNITIVE DAMAGES SUFFERED BY YOU OR ANY OTHER PARTY AS A RESULT OF THE OPERATION, INABILITY TO OPERATE OR MALFUNCTION OF THE WEBSITE, REGARDLESS OF WHETHER OR NOT ANY SUCH PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

You waive any claim against Us based upon the quality or availability of the website, regardless of cause.

You acknowledge that any network communication or activity involves resources beyond Our control, including, without limitation, e-mail, file transfers, and information gathering, and is subject to risks inherent to the Internet and to communications generally. We make no representation that any data sent to or from, or residing at, Our website or systems are safe from destruction, corruption, misdirection, or service interruption.

You agree that We shall not be liable for failure to provide services or access to this website during any period in which it cannot perform due to any cause beyond Our control, including without limitation natural disaster, power failure, accident, labor controversy, act of God, or the intervention of any government authority.

Third Party Content
Our website contains links to other Internet sites, including other insurance affiliates, that are not maintained by MiddleOak® ("Third Party Sites"). These links are provided solely for convenience. MiddleOak® makes no warranties or representations about the contents of or any products or services offered by such Third Party Sites. We encourage you to read the terms and conditions of Third Party Sites prior to using them.

General
We recognize that insurance and financial services transactions involve complex financial and legal issues. Nothing on this website is intended as a substitute for professional advice regarding legal, tax, or financial planning matters. You should consult a professional of your choice for individual advice tailored to your situation. In addition, the safety information included in this website is not intended as health or engineering advice, and should not be relied upon as a substitute for professional advice on these topics.

No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term. No waiver shall be effective absent expressed written consent by an authorized representative of MiddleOak®.

We reserve the right to access and disclose any information necessary to comply with applicable laws and lawful government requests, to operate Our systems properly, or to protect Us from harm or liability.

Governing Law and Severability
This Agreement shall be governed by the laws of the State of Connecticut without regard to its conflict of law provisions. If any provision of this Agreement should be invalid under applicable laws, such provision shall be ineffective to the extent of such conflict without affecting the remaining provisions of this Agreement.