Terms of Use

Welcome to the Grinnell Mutual Reinsurance Company website.  Please review the following “Terms of Use” and note that your use of this Web site constitutes your agreement to follow and be bound by them.  If you do not wish to be bound by these Terms of Use, please discontinue using and accessing this site immediately.   Continued use of this site constitutes your consent to be bound by these Terms and Conditions as a whole.

Purpose of Use

This website is designed for personal, noncommercial use only. All materials herein, including but not limited to those written, visual, audio graphic, and/or downloadable, are to be used for personal, noncommercial use only unless express written permission is obtained from Grinnell Mutual Reinsurance Company in advance of said use. You may not use this website to engage in any illegal activity or engage in conduct that is defamatory, libelous, threatening, or harassing.  You agree not to access any restricted portions of this website without proper authorization. You may not use any information obtained from the site for spamming or solicitation.

Changes to Site 

We may terminate, change, suspend, interrupt, or discontinue any aspect this website or any of its features, including these Terms and Conditions, at any time.  We may also restrict certain features and services at our discretion.

Trademarks, Copyrights and Intellectual Property

All trademarks, service marks, trade names, logos, and icons are proprietary to Grinnell Mutual Reinsurance Company.  Nothing contained on the website should be construed as granting any license or right to use any trademark displayed on this site without the express written permission of Grinnell Mutual Reinsurance Company.

Images displayed on this website are either the property of or used with permission by Grinnell Mutual Reinsurance Company.  The use of these images by you, or anyone authorized by you, is prohibited unless specifically permitted by Grinnell Mutual Reinsurance Company in writing.  Any unauthorized use of the images may violate copyright laws, trademark laws, the law of privacy and publicity, and/or communications regulations and statutes.

External Links

Any links provided by Grinnell Mutual Reinsurance Company on this or associated web pages are provided solely for your convenience.  Grinnell Mutual Reinsurance Company does not maintain, control, approve, endorse, or continually review these websites, or the services, products or data contained or obtained therein, and these websites are in no way intended to represent an exhaustive listing of service providers that may be useful to you. Grinnell Mutual Reinsurance Company makes no warranties or representations, express or implied, regarding the content, data, services, or offers contained in these websites.  Grinnell Mutual Reinsurance Company assumes no legal liability or responsibility for losses or damages resulting in any way from the information contained in these websites.

Choice of Law

The laws of the State of Iowa and the United States govern these Terms of Use.  Any suit or other action arising out of your use of this site must be brought in the District Court of Poweshiek County, Iowa, or the United States District Court in Des Moines, Iowa.

Limitation of Liability

GRINNELL MUTUAL WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM YOUR USE OF THIS WEBSITE.  THESE MIGHT INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY:  (1) USE OF (OR INABILITLY TO USE) THE SITES; (2) USE OF (OR INABILILTY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM THIS WEB SITE; (3) FAILURE OF PERFORMANCE; (4) ERROR; (5) OMISSION; (6) INTERRUPTION; (7) DEFECT; (8) DELAY IN OPERATION OR TRANSMISSION; (9) COMPUTER VIRUS; OR (10) LINE FAILURE.  WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY.  FURTHERMORE, EXCEPT AS PROVIDED BELOW, WE ARE NOT LIABLE EVEN IF WE HAVE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES—OR BOTH.

SOME OF THESE LIMITATIONS MAY NOT APPLY TO YOU IF YOU LIVE IN A JURISDICTION THAT FORBIDS OR DISALLOWS THEM.

Disclaimer

THE MATERIAL ON OUR WEBSITE IS PROVIDED AS IS.  THIS MEANS THAT GRINNELL MUTUAL DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN THE SITE.  THIS INCLUDES, BUT IS NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) THAT DEFECTS WILL BE CORRECTED; (4) THAT OUR WEB SITE, OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (5) THAT INFORMATION CONTAINED IN THE WEB SITE IS ACCURATE AS OF ANY PARTICULAR DATE.

Other Agreements

You may have other agreements with Grinnell Mutual.  These Terms of Use apply to your use of this website and do not change any other contract or agreement between you and Grinnell Mutual.

NonWaiver

Failure by Grinnell Mutual Reinsurance Company, in any instance, to exercise any of its rights under the Terms and Conditions will not constitute waiver of such right or any other rights under the Terms and Conditions.

Severability

If any portion of these Terms and Conditions is found to be unenforceable, all remaining sections of the Terms and Conditions will remain in effect.