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CIG Policy Payment | Privacy | Terms & Conditions | ©2007-2010 The Protector Network. All Rights Reserved

Member Benefits, Yours Free:

Planning for your safety and security starts with insurance. It's the way you protect the financial value of what you own. But that's just the beginning. You also need to do all you can to reduce the possibility of accidents, crime, natural disasters, or other loss, damage or harm. The Protector Network is central to your safety and security courtesy of CIG. Learn more inside.

Terms of Use

THE PROTECTOR NETWORK

The material provided by The Protector Network ("TPN") on the www.theprotectornetwork.com Web site, including the information and any images incorporated into the site, is for your personal, private, non-commercial use only. You may not modify, republish, post or transmit anything you obtain from this website, including anything you download from the site, unless you first obtain our consent. We request that you not create any kind of hyperlink from any other site to ours unless you first obtain our permission.

Terms of Use

By accessing this Web site, you agree to the Terms of Use of this Web site. Continued use of this Web site constitutes agreement to these terms and any future changes to the terms. The Protector Network, Capital Insurance Group and its affiliates reserve the right to change these Terms of Use.

Uses of this Web Site

You may print, copy and download any member information or portion of this Web site for your personal and household use only. You may not copy, distribute, transmit, transfer, display, reproduce, publish, modify, sell, or recreate member content for non-member or unauthorized use. Use of the content provided by this Web site, including information, software, tools, products, solutions or services obtained from this Web site, for commercial or public purposes, in whole or in part, except for the purposes expressly provided herein, without the prior written approval of TPN or CIG is prohibited.

Unauthorized use of this Web site and or its systems, including, but not limited to, unauthorized entry, misuse of passwords or misuse of any other information, is strictly prohibited.

You may not use this Web site in any manner that could damage, disable, overburden, or impair the Web site or its services. You may not interfere with any other user's access and enjoyment of the Web site or its services. You may not attempt to gain unauthorized access to this Web site or its services, operations or network, through hacking, password mining or any other means. You agree that you will not engage in any activities related to this Web site that are contrary to applicable laws or regulations.

Your access to this Web site, or some part thereof, may be suspended or denied to any individual for reasons relating to their membership status or unauthorized actions.

Limited Obligations

The information and materials on this Web site may contain typographical errors or inaccuracies. Without undue obligation to do so, we will make best efforts to correct them in a reasonable amount of time.

TPN may discontinue or change any product or service described in or offered on this Web site at any time.

TPN, at its sole discretion, without any notice or obligation, may change, update or revise the information, offerings and descriptions on this Web site, and make scheduled or unscheduled maintenance, improvements, revisions or corrections.

Disclaimer

www.theprotectornetwork.com is unable, and therefore cannot, guarantee uninterrupted, continuous secure access to the Web site.

The information, products and services displayed on this Web site are provided on an "AS IS," and on an "AS AVAILABLE" basis. TPN does not warrant the information or services provided, whether expressed or implied, for any particular purpose. We expressly disclaim any implied warranties, including, but not limited to, warranties of title, non-infringement, merchandise or fitness for a particular purpose. TPN assumes no responsibility for any loss or damage that may result from unauthorized actions by third parties in relation to any information or services made available via this Web site.

Content provided on this Web site is obtained or compiled from sources we believe to be reliable. TPN is unable to guarantee the accuracy, timeliness, or completeness of any information or data made available to you for any particular purpose by this Web site, its partners, affiliates and service providers, nor any of its directors, officers or employees, nor any third party vendor. Nor will we be liable or accept any responsibility for any loss or damage of any kind in the event of interruption or operational failure of this Web site due to any act or omission on the part of any party involved in making or maintaining this Web site, its data, benefits, products or services, or any other offering relating to your access to, inability to access, or use of the Web site or its content, whether or not the circumstances which may be the cause are within or not within the control of TPN or any vendor providing software or services. Neither TPN nor any such parties would be liable to you, under any circumstances for any direct, special, indirect, consequential or incidental damages or any other damages of any kind even if TPN or any other such party has been advised of the possibility thereof. This limitation on liability includes, but is not limited to, the transmission of any viruses, theft, failure of equipment or communication lines or devices, or other connectivity problems, unauthorized access, operator errors, strikes or other labor problems or any force majeure.

Copyright and Proprietary Rights

Content available on www.theprotectornetwork.com is copyrighted by The Protector Network and Capital Insurance Group. All rights are reserved. Content may not be reproduced, distributed, downloaded, or shared, for any purpose other than that intended by its copyright owners.

All rights, titles and interests in this Web site and its content are the exclusive property of The Protector Network, unless stated otherwise. This Web site is for personal and non-commercial use only.

TPN, THE PROTECTOR NETWORK, CAPITAL INSURANCE GROUP, CIG, NEVADA CAPITAL INSURANCE, CALIFORNIA CAPITAL INSURANCE, EAGLE WEST INSURANCE, MONTEREY INSURANCE and the other trademarks, logos, and service marks displayed on this Web site (collectively the "Trademarks") are the trademarks of Capital Insurance Group, its affiliate companies or their respective third-party participating partners. You may not claim, alter, modify, or change these Trademarks. You are prohibited from using the Trademarks for any purpose including, but not limited to, use as meta tags on other pages or sites on the World Wide Web without the written permission of TPN or a third party owner of the Trademark.

All content included or made available on this Web site, including text, graphics, logos, images, audio/video clips, and software program, is the property of TPN, its partners, affiliates and/or third parties and is protected by copyrights, trademarks, or other intellectual and proprietary rights

Subject to these Terms of Use, we grant you a limited license to make personal use of the Web site and its services only for their intended purposes. This license expressly excludes any resale of the Web site and its services or any part thereof. This license is limited to you and your household. Inappropriate use of your access information by others will compromise your ability to use your member services, wherein use of these services may be governed by stated restrictions and limitations.

Third Party Links

This Web site contains links to third party Web sites offering products and services or information of value to you. In no event shall TPN be responsible or liable for the offerings contained on a Web site provided by a third party or your use of or inability to use such site. You should be aware that the Terms of Use of any such third party site and the site's Privacy Policy might be different from those applicable to your use of this Web site. It is your responsibility to retrieve this information when engaging those sites.

User Identification

TPN may use a permanent cookie file to identify your computer when you visit the Web site from time to time. If you choose to keep your user ID on file, we will create a permanent cookie for this purpose. In addition, TPN may use a temporary cookie file to recognize your computer as you move from page to page on the Web site. This cookie is deleted when you close your browser software. Most Web browsers allow you to choose to be notified when a cookie is set, or to reject all cookies. If you choose to reject our cookies, some areas of our Web site may not function properly.

This Web site may engage technology partners who would use cookies to compile anonymous information on how you use our Web site and other related Web sites and on how you interact with any advertising that may appear on any of these sites.

Statistical Data

TPN may compile aggregate statistical information about the manner in which visitors use our Web sites and e-mails, including frequency of visits, average length of visits, page views during a visit, and the effectiveness of our communications. TPN does not collect personal information. TPN uses this information to improve the Web site content and performance and does not share it with any third party.

Use of Forms

Secure online account numbers help you to fill out forms on the Internet quickly, safely and easily. The secure online form fill function allows you to communicate important information necessary to qualify for insurance assessment from authorized insurance advisors. You are responsible for making sure that the personal information you submit to use our form fill function is complete and accurate, as we will not verify your information. You will also, as necessary, update such personal information so that it is accurate. You acknowledge that our form fill function is compatible only with the order forms of online stores we support on the Internet. Moreover, these online stores or third party services may change their order forms or sign-in pages from time to time, and may do so without informing TPN. Consequently, we cannot guarantee that our form fill function will work on every form or sign in page we support. In addition, it is your responsibility to verify that any information you provide for an order form or sign-in page we support is complete, accurate and correctly inserted.

Member Access

To gain access to the secure member portal of this Web site, first you must be a policyholder of an affiliated Capital Insurance Group company, residing in a geographic area serviced by an authorized agent participating in the TPN program. Qualified policy clients must register directly online at this Web site or via our Contact Center. To gain access you must first register. You must provide accurate and complete information, and update such information when necessary so that it remains accurate and complete. If the contact information you give is deemed false, we reserve the right to terminate your access without notice. When you register and are accepted as a registered member, you choose a unique username and password. We may require you to update your username or password, if we find it necessary for security or other reasons. You are fully responsible for all transactions and other activities that occur or are undertaken under your username or password. You are also responsible for keeping your username and password confidential. You agree to immediately notify TPN of any actual or suspected unauthorized use of your member access information.

Your access may be suspended or severed in the event that your insurance policy has been discontinued or terminated.

Member Transactions

Your secure membership account enables you to access member tools and services. Any purchase you may decide to make for additional services and products is a transaction you make with a third party service provider or merchant. Our secure member function provides access only to these resources. Any transactions involving payment are undertaken outside of our system. Your usage of for-pay services and products is subject to the Terms and Conditions set forth by the third-party provider via their site.

Geographic Limitations

TPN membership is available only in states of the United States where Capital Insurance Group and its affiliate companies are licensed to sell insurance and/or have authorized agents of The Protector Network. We make no representation that any member services are available for use in locations outside of Nevada, California, Oregon, Arizona, or Washington, or outside the United States. Those who choose to access this Web site from locations outside its geographical parameters will not be served.

Indemnification

You agree to indemnify, defend, and hold The Protector Network, Capital Insurance Group and its affiliates, officers, directors, employees, consultants, agents, service providers, and licensors harmless from any and all third party claims, liability, damages and/or costs (including but not limited to reasonable attorneys' fees) arising from:
(a) A third party claim, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or other materials submitted by you to the Web site;
(b) Any fraud, manipulation, or other breach of these Terms of Use by you;
(c) Any third party claim, action, or allegation arising out of or relating to a dispute with you over the terms and conditions of an agreement or related to the purchase or sale of any goods or services;
(d) Your violation of any law or rights of a third party; or
(e) Use of your account or member services by any third party.

TPN reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you will cooperate with TPN in asserting any available defenses. You may not settle any action or claims on TPN's behalf without the prior written consent of TPN.

Miscellaneous

We sometimes provide access to other Web sites from our sites or you may have reached our site from another site. However, we do not endorse nor approve any products or information offered to you at sites you may reach from our sites or from which you may have reached our site. The Uniform Resource Locator (URL) address in your web browser will tell you if you are still in the www.theprotectornetwork.com site or have moved elsewhere.

Providing material on our Web site does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer. TPN at www.theprotectornetwork.com is entitled to terminate all or part of any of its Websites at any time, without notice to you.

When you select a password and sign-up in order to gain access to www.theprotectornetwork.com members only area, you agree to the following conditions:

These Terms of Use, and the agreement they create, shall be governed by and interpreted according to the laws of the State of California. If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.

TPN may modify these Web site Terms of Use, and the agreement they create, at any time, simply by updating this posting or the information on its Web site and without notice to you.

Capital Insurance Group and its affiliates insure private passenger automobiles and provide homeowner and other types of insurance for qualified applicants. The companies market collectively under the trade names CIG, The Protector Network.

These Terms of Use were published January 26, 2007. Please check back for updates and changes. If you have any questions regarding these Terms of Use, the Web site, or its Services, please contact us.

Membership Administration

If you have any questions or would like more information, please write to us at:

Membership Administrator
The Protector Network
Capital Insurance Group
2300 Garden Road
Monterey CA 93940
E-mail: tpn@ciginsurance.com
Phone: 831- 233-5500

© 2007-2010. Capital Insurance Group. All rights reserved.


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