Terms & Conditions
YOUR USE OF THIS SITE
You may not use this site to engage in any illegal activity. You may not use this site to engage in conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party's intellectual property or other proprietary rights. In the event you engage in activity that is illegal, defamatory, libelous, threatening, or harassing, Meridian Risk Management reserves the right to disclose any information you provide through the use of this site or other Meridian Risk Management owned electronic sites or applications to law enforcement authorities as deemed appropriate in the sole discretion of Meridian Risk Management. You agree that any information you provide through this site will be truthful and accurate. Meridian Risk Management reserves the right to require a customer change their Customer ID or answers to security questions if they are deemed inappropriate at Meridian Risk Management’s sole discretion and judgment.
E-MAILS TO MERIDIAN RISK MANAGEMENT ADDRESSES
The Meridian Risk Management e-mail system is a private e-mail system intended only for purposes authorized by Meridian Risk Management. You are not authorized to send numerous unsolicited commercial e-mail messages to any e-mail addresses at @meridianrisk.com. Meridian Risk Management reserves the right to take actions as may be necessary to prevent misuse of its e-mail system by unauthorized parties.
DISCLAIMER OF WARRANTIES
Any information, services, materials, software, calculators or other items on this site are provided "as is" without any warranty of any kind, either expressed or implied, including without limitation the implied warranties of merchantability and fitness for a particular purpose. Meridian Risk Management does not warrant that this site will be uninterrupted or error fee. Any risk arising out of use or performance of the information, services, materials, software, calculators or other items remains entirely with you. Under no circumstances will Meridian Risk Management be liable for any damages whatsoever arising out of the use or performance of the information, services, materials, software, calculators or other items.
Some portions of this site are restricted and require authorization for access. Unauthorized use of or access to these areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas.
If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. Meridian Risk Management will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, you should contact Meridian Risk Management. Meridian Risk Management will not be responsible if you do not properly secure your password or if you choose to share your password with anyone else. In order to protect your personal information Meridian Risk Management encourages you to change your password every 6 months.
MERIDIAN RISK MANAGEMENT INTELLECTUAL PROPERTY RIGHTS
Meridian Risk Management may possess intellectual property rights in other logos, words, or phrases not listed here. Intellectual property rights of third parties may apply where noted. Except where otherwise indicated, all materials on this site including but not limited to graphics, text, software, audio, video, and files, are the property of Meridian Risk Management and are protected by copyright or other intellectual property laws.
Meridian Risk Management reserves all rights to its intellectual property. You may print out a single copy of pages on this site for your personal, non-commercial use provided that all copyright, trademark or other notices are retained. ALL OTHER USES ARE PROHIBITED.
You are not authorized to use any portion of this site or any other Meridian Risk Management intellectual property on any other site, in the meta-tags of any other site or in any other materials. You may not modify, publish, create derivative works, copy, distribute, or otherwise use any of this site's content or frame this site within any other site.
LINKS TO/FROM OTHER SITES
For your convenience, Meridian Risk Management may provide links to other Internet sites that Meridian Risk Management does not maintain. You should not interpret any link to/from other sites as indicating that Meridian Risk Management sponsors or endorses the sites or their materials or that the sites are affiliated with Meridian Risk Management in any manner. Meridian Risk Management is not responsible for anything contained on such sites and makes no warranties or representations about the contents, products or services offered on such sites. Meridian Risk Management is not responsible for and makes no warranties or representations about the content, products or services offered on any sites that you may elect to use in connection with this site.
AVAILABILITY OF PRODUCTS AND SERVICES
Meridian Risk Management does business in certain states in the United States of America.
Not all of the products or services described on this site are available in all states or provinces. You may not be eligible for all products and services and Meridian Risk Management reserves the right to determine such eligibility as permitted by law. Where noted, certain products or services may be subject to specific terms, conditions, representations or agreements. The portions of this site related to such products and services provide additional information about terms, conditions representations, agreements, eligibility and availability.
Investment return and principal value will fluctuate and your shares, when redeemed, may be worth more or less than their original cost.
These "Terms and Conditions" apply to your use of this site and do not change or alter any other contract or agreement between you and Meridian Risk Management.
At this time, on-line quotes may not be available for all states or provinces, products, services or coverage selections. For additional information about products, services or coverage selections otherwise offered by Meridian Risk Management, please contact a Meridian Risk Management agent.
All quotes generated by this site are estimates based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on this site are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to Meridian Risk Management. All applications are subject to underwriting approval. Coverages and availability may vary by state or province; and additional minimum coverage limits may be available in your state. For additional information, please contact a Meridian Risk Management agent.
ONLINE CLAIMS SUBMISSIONS
If you are a Meridian Risk Management customer, you may elect to report an insurance claim online where available. Your submission does not commit Meridian Risk Management to coverage for this loss. Information you submit regarding your insurance policy and the loss is subject to review and verification. Meridian Risk Management reserves the right to request additional information prior to reaching a decision on the claim. A claim representative will be communicating with you regarding your claim. All policy provisions contained in your policy remain in effect. If you have any questions concerning the coverage afforded by your policy, please contact your Meridian Risk Management agent.
CHANGES TO THIS DOCUMENT
The content of this site and of these "Terms and Conditions" are subject to change without prior notice.
These "Terms and Conditions" shall be governed by and interpreted according to the laws of the State of New York without respect to any conflict of laws provisions. If any portion of these "Terms and Conditions" is unlawful, void or unenforceable, it shall not affect the validity or enforceability of any other provision.