Privacy Disclosure

Professional Governmental Underwriters, Inc Privacy Notice

Data Collection and Protection Statement

Nothing on this website constitutes an offer of insurance. Eligibility for insurance coverage will be determined at the time of application, based upon the insurer’s underwriting guidelines and rules in effect at that time. The insurance products referenced in this website may be altered by the insurer at any time. All insurance products are subject to terms, conditions and exclusions not described on this website. The privacy of the personal information that we collect from customers and potential customers is very important to us. This notice is issued in accordance with federal and state laws and is given to provide you with how we use non-public information. We collect non-public information about you from the following primary sources:

(i) information we receive directly from you:
(ii) information we receive from the companies we represent that provide insurance products to you:
(iii) information from consumer reporting agencies:
(iv) information that we receive from other third parties, such as government agencies. We do not disclose any non-public information except as permitted by law. We disclose non-public personal information to non-affiliated third parties only as permitted by law:

We restrict access to non-public information to those employees, agents, representatives or parties who need to know the information in order to provide the insurance products requested by our customers. We maintain physical, procedural and electronic safeguards to protect the privacy and confidentiality of your non-public information.

Cookie Statement

• Professional Governmental Underwriters, Inc. makes use of the following cookies. Persistent cookies are used to allow the website to recognize users when they return to the site and to remember certain information about their preferences. These cookies are cookies which stay on your computer permanently, until you “manually” delete them.
• Session cookies are used in order to allow customers to carry information across pages of the website, without having to re-enter such information. These cookies delete themselves automatically when you leave a website and go to another, or when you shut down your browser.

By using our website, you agree to the use of the afore-mentioned cookies and other technologies as set out in this policy. If you do not agree to such use, please refrain from using the website.

Website Terms and Conditions of Use

Software & Services Agreement (US)

This website is provided by Professional Governmental Underwriters, Inc. By accessing the Professional Governmental Underwriters, Inc. website (s), you are indicating your acknowledgement and acceptance of these Terms of Use. These Terms of Use are subject to change by Professional Governmental Underwriters at any time in its discretion. Your use of this Site after such changes are implemented constitutes your acknowledgement and acceptance of the changes. Please consult these Terms of Use regularly.

Restrictions on Use

All material included on this Site, and any other Site owned, operated, licensed or controlled by Professional Governmental Underwriters, Inc. such as text, graphics, logos, images, photographs, audio clips, digital downloads, data compilations and software (the “Content”), is the property of Professional Governmental Underwriters Inc. and is protected by United States and international copyright laws. Modification or use of the Content except as expressly provided in these Terms of Use violates Professional Governmental Underwriters Inc intellectual property rights.

The Content may not be copied, distributed, republished, uploaded, posted or transmitted in any way without the prior written consent of Professional Governmental Underwriters, Inc, except that:

1. You may download, print, distribute and use PDF pages from the Site for commercial use or general distribution.
2. Any copies of documents or pages from the Site must not alter the original Site content and must include Professional Governmental Underwriters, Inc Logo.
3. You may NOT link to this Site without the prior written consent of Professional Governmental Underwriters, Inc.
4. You may not attempt to circumvent the security systems of the Site.
5.You may not engage in any activity that interferes with a user’s access to this Site or the proper operation of this Site. You also agree that, in using this Site, you will not impersonate any person or entity.

The Content and the functionality of the Site may be updated or changed at any time without prior notice. In addition, if Professional Governmental Underwriters, Inc becomes aware that you are copying, modifying or distributing the Content of the Site other than for the permitted uses of the Site, Professional Governmental Underwriters, Inc reserves the right to revoke your right to these permitted uses.

Proprietary Information Consent

If the webmaster approves your request to use Professional Governmental Underwriters, Inc Site Content, you are granted permission to view, use, reproduce, copy and distribute documents within Professional Governmental Underwriters, Inc Site for the sole purposes specified in your Request form. You agree to all terms below:

1. Not to modify the documents, publications or graphics
2. Not to quote materials out of context

The foregoing consent does not include permission to copy the design elements, look and feel or layout of Professional Governmental Underwriters, Inc Site. Subject to the further terms set forth above, you assume all risks concerning the suitability and accuracy of the information within Professional Governmental Underwriters Inc Site which you propose to use, subject to Professional Governmental Underwriters, Inc consent. Professional Governmental Underwriters, Inc cannot guarantee that the Site or its content is error free and Professional Governmental Underwriters, Inc makes no representations about the technical accuracy or functionality of the Site or that the Content is accurate, error free or up to date

Disclaimer: Limitation of Liability

Neither Professional Governmental Underwriters, Inc, directors, officers and employees, nor any other party involved in creating, producing or delivering the Site is liable for any direct, incidental, consequential, indirect or punitive damages arising out of your access to, or use of, the Site or the operation of the Site or failure of the Site to operate. In no event shall Professional Governmental Underwriters, Inc be liable for any direct, indirect, special, punitive, incidental, exemplary or consequential, damages or any damages whatsoever, even if Professional Governmental Underwriters, Inc has been previously advised of the possibility of such damages, whether in an action in contract, negligence, or any other theory, arising out of or in connection with the use, inability to use or performance of the information, services, products and materials available from this Site. These limitations shall apply notwithstanding any failure of essential purpose of any limited remedy. Your acceptance of this limitation of liability is an essential term of this agreement and the parties acknowledge that Professional Governmental Underwriters, Inc would not grant access to the Site without your agreement to this term.

Intellectual Property

You should assume that everything you see or read on the Site is proprietary information protected by copyright or trademark unless otherwise noted, and may not be used except as provided in these Terms of Use or with the written permission of Professional Governmental Underwriters Inc. Nothing posted on this Site grants a license to any Professional Governmental Underwriters, Inc trademarks, copyrights or other intellectual property rights, whether by implication, estoppel or otherwise
Third Party Trademarks

Trademarks displayed on this Site not owned by Professional Governmental Underwriters, Inc are the property of their respective owners, who may or may not be affiliated with Professional Governmental Underwriters, Inc. Nothing contained on this Site should be construed as granting any license or right to use any third-party trademarks without the written permission of such third-party that may own the trademarks. Your use of the trademarks, or any other Content on the Site, except as provided in these Terms of Use, is strictly prohibited. We ask that you respect these rights. Professional Governmental Underwriters, Inc makes no representation that materials on this Site are appropriate or available for use in locations outside the United States. Access to this site from countries or territories where such access is illegal is prohibited. Those who choose to access this Site outside the United States do so on their own initiative and are responsible for compliance with local laws.