PASSWORD REGISTRATION

Some of Columbia Lloyds and MDOW Insurance Company Web sites are restricted and require a username and a password for access. Unauthorized use of or access of such sites is strictly prohibited.

• In accessing Columbia Lloyds and MDOW Insurance Company sites requiring a Username and password, you agree that:
• Columbia Lloyds and MDOW Insurance Company is entitled to act on instructions received under your Username and password.
• Columbia Lloyds and MDOW Insurance Company is not liable for any unauthorized access to your personal information that is not the direct result of gross negligence or intentional misconduct on the part of Columbia Lloyds and MDOW Insurance Company.
• You will keep your password confidential and you will notify Columbia Lloyds and MDOW Insurance Company immediately if you believe someone else has obtained your Username and password or any unauthorized access to the online service site has occurred or may occur.
• Columbia Lloyds and MDOW Insurance Company may block access to the online service site without prior notice if we believe your Username and password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons.

LOCATION IDENTIFICATION

When you visit our Web site, you may see messages tailored to your specific state or city. We are able to identify your general location using a system that recognizes and pinpoints the location of publicly routed IP addresses – the unique numbers computers use to communicate with other devices on computer networks. Though we can identify your location, we do not receive or store your personal information.

DISCLAIMER OF WARRANTY

The content and materials in this site are provided “as is” and without representations or warranties of any kind, either express or implied. Columbia Lloyds and MDOW Insurance Company expressly disclaims all warranties, express or implied, with respect to this site including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement. Columbia Lloyds and MDOW Insurance Company does not warrant or represent that the functions or operation of this site will be uninterrupted or error-free, that defects will be corrected, or that this site, its servers or any e-mail sent from Columbia Lloyds and MDOW Insurance Company are free of viruses or other harmful components.

LIMITATION OF LIABILITY

Columbia Lloyds and MDOW Insurance Company shall not be liable for any injury, loss, claim, or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, which arises out of (a) the use of, or inability to use, this site or content found in this site, or (b) unless resulting from the gross negligence or intentional actions of Columbia Lloyds and MDOW Insurance Company, the unauthorized access to or alteration of your transmissions or data, even if Columbia Lloyds and MDOW Insurance Company has been advised of the possibility of such damages. 

JURISDICTION / ENFORCEABILITY

Use of this site shall be governed by and construed in accordance with the laws of the State of Texas without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Harris County, Houston Texas.

Should any provision of these Terms of Use be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

INSURANCE COMPANIES

Property and Auto Insurance policies are underwritten through Columbia Lloyds Insurance company (Texas) and MDOW Insurance Company (Oklahoma and Arkansas) Telephone: 1-800-705-7998