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Privacy Policy

Copyright

All materials, including graphic images, buttons, layout and text posted on this site are subject to copyrights owned by RAM Mutual Insurance Company and other individuals or entities. Any reproduction, retransmission, or republication of all or part of any graphic images, materials or documents found on the Site is expressly prohibited, unless RAM Mutual Insurance Company or the copyright owner of the material has expressly granted its prior written consent to so reproduce, retransmit, or republish the material. All other rights are reserved.

The names, trademarks, service marks and logos of RAM Mutual Insurance Company appearing on this site may not be used in any advertising or publicity, or otherwise to indicate RAM Mutual Insurance Company's sponsorship of or affiliation with any product or service, without RAM Mutual Insurance Company's prior express written permission. Any insurance producer and insurance company logos are the exclusive property of the respective insurance entities, and are used with their permission.

Links To Third Parties' Web sites

The Site may contain links to other sites maintained by third parties. RAM Mutual Insurance Company does not operate or control in any respect any information, products or services on such third-party sites and does not guarantee that the links or any information contained thereon will be accurate at the time of your access. Third party links are included solely for the convenience of users, and do not constitute any endorsement, approval or certification by RAM Mutual Insurance Company, its affiliates and/or its suppliers of the content of any site referenced by a link or otherwise. RAM Mutual Insurance Company believes that links to publicly accessible web pages and newsgroups is legally permissible and consistent with the common and customary expectations of those who make use of the Internet. User assumes sole responsibility for use of third party links and pointers and disclaimers set forth herein are equally applicable to such third party sites.

Electronic Communication

RAM Mutual Insurance Company is committed to ensuring that your privacy is protected. We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law. We may use your personal information to send you electronic notifications regarding changes made to your insurance policy, billing notices, and/or educational materials relating to your insurance coverage. You can opt out of receiving electronic communications at any time.

Modification

RAM Mutual Insurance Company shall have the right, at its discretion, to change, modify, add or remove terms of this agreement or the Site at any time. Notification of any such changes may be made herein, but is not guaranteed. Changes shall be effective immediately, and subsequent use by you of the Site shall constitute your acceptance of them.

Indemnity/Limitation of Liability

Under no circumstances, including, but not limited to, negligence, shall RAM Mutual Insurance Company, or its affiliates be liable for any direct, indirect, incidental, special, consequential or other damages, including but not limited to loss of data or lost profits, that result from the use of, or the inability to use, the materials in the Site.

As a condition of use of the Site, the user agrees to indemnify RAM Mutual Insurance Company and its suppliers from and against any and all liabilities, expenses and damages arising out of claims resulting from user's use of this Web site, including without limitation any claims alleging facts that if true would constitute a breach by user of these terms and conditions. If you are dissatisfied with any material on the Site, or with any of RamMutual.com terms and conditions, your sole and exclusive remedy is to discontinue using the Site.

RamMutual.com Privacy Statement

RAM Mutual Insurance Company is committed to assuring users that their privacy will be respected and protected. RamMutual.com has created this privacy statement in order to demonstrate our firm commitment to user privacy. The following discloses the information gathering and dissemination practices for all information collected or submitted to the Site.

Information Automatically Logged

We use your IP address to help diagnose problems with our server and to administer our Web site.

Cookies

The Site uses cookies to enhance your on-line experience with RamMutual.com. A 'cookie' is nothing more than a small file that your Web browser will place on your hard drive. It allows us to remember you and keep track of preferences and passwords. Use of cookies allows us to deliver content specific to your interests, and to save your password so you don't have to re-enter it each time you visit our site. You can, of course, set your browser to reject cookies - but keep in mind that this may affect the experience you have on RamMutual.com.

Contacting the Web Site

Any changes to our privacy commitment and policy will be posted here. While we do not anticipate changes to this policy frequently, we do suggest you review our policy and commitment from time to time. This will ensure that you will have complete knowledge of our information practices as they might affect you and your use of RamMutual.com. If you have any questions about this privacy statement, the practices of this site, or your dealings with the Site, you can contact: general@rammutual.com.