Terms and conditions of use

mm88ibc Mutual Insurance Company and its subsidiaries and affiliates, including (without limitation) Allied Group, Inc. (“Allied Insurance”) and Harleysville Group, Inc. (“Harleysville Insurance”) (collectively "mm88ibc"), give you the ability to do more online on mm88ibc.com, the websites of our affiliates, and through our mobile applications (the “Site”). You can use “the Site” for online access to your personal accounts, our product information, educational content, our services and self-help tools ("Online Activities").

When you access the Site, you’re agreeing to these terms and conditions of use, plus any additional terms or conditions within the Site itself (collectively "Terms and Conditions"). The Terms and Conditions are in addition to any other agreements between you and mm88ibc.

mm88ibc reserves the right to modify or change the Terms and Conditions at any time without prior notice to you. Such modification or change shall be effective upon posting by mm88ibc on the Site. You agree to be bound to any changes to these Terms and Conditions when you use the Site after any such change is posted.

Disclaimer of warranties

All information and other materials present on the Site ("content"), including (without limitation) products and services, are provided "as is." There are no warranties about the content's nature or accuracy (either when posted or as a result of the passage of time). There also are no representations or guarantees.

mm88ibc disclaims all warranties, express or implied. This includes, but is not limited to, warranties of merchantability, fitness for a particular purpose, title, non-infringement, security or accuracy with regard to any website owned by a third party to which or from which the Site is linked ("linked website"). mm88ibc does not endorse and is not responsible for the capabilities or reliability of any product or service obtained from a linked website.

The information, products, software or service descriptions published on the Site or a linked website may include inaccuracies or typographical errors. The company disclaims liability for such errors and does not warrant or represent that the content on the Site or a linked website is updated or complete. mm88ibc has no obligation to update any content on the Site and may change or improve the Site at any time without notice.

mm88ibc does not endorse and is not responsible for the accuracy or reliability of any opinion, advice or statement made through the Site by any party other than mm88ibc.

mm88ibc makes no representations, warranties or guarantees that the Site will be accessible continuously and without interruption or errors.

Your liabilities

mm88ibc has the right to deny you access and use of the Site and its Content if you violate (as mm88ibc may determine in its sole and absolute discretion) any provision of the Terms and Conditions. mm88ibc reserves the right to seek all other remedies available at law and in equity. You agree, at your own expense, to defend, indemnify and hold mm88ibc harmless from any claim or demand (including reasonable attorneys' fees) made by a third party in connection with (or arising out of your access to, or use of) the Site or any of its Content in a manner other than as expressly authorized by the Terms and Conditions. This includes your breach of the Terms and Conditions, or your violation of applicable laws or any rights of any third party.

mm88ibc’s liabilities

In no event will mm88ibc, its respective service providers, employees, agents, officers and directors be liable to you for any punitive, indirect, direct, special, incidental or consequential damages. This includes any lost profits, costs of obtaining substitute service or lost opportunity, even if you’ve notified mm88ibc about the possibility of such damages. This also includes any claims by any third parties arising out of (or in any way related to) the access, use or Content of the Site or a linked website. This applies whether such claims are brought under any theory of law or equity.

This limitation on liability includes (but is not limited to) transmission of viruses that infects a user's equipment, mechanic or electronic equipment failure, failure of communication lines, telephone or other interconnects, unauthorized access, theft, operational errors, strikes or other labor problems, or any force majeure.

Notice of applicability to children

The site is not intended for children ages 13 and younger.

Online access

For some Online Activities, mm88ibc permits "Online Access," which includes the ability to use a personal computer or other access device equipped with an active connection to an Internet Service Provider to access your mm88ibc accounts, policies or other products, and to perform certain transactions as available. You may register for Online Access through our Sites and apps)

As part of the Online Activities, you may be given the option to sign certain Communications electronically by either checking the appropriate box or engaging in a similar online process as instructed online. You agree that by checking the appropriate box within or adjacent to the applicable Communication or engaging in a similar online electronic signature process, you’re providing your electronic signature. That means you agree to be bound by the terms and conditions in such Communication, just as if you had signed your name to a paper document.