Terms of Use

Last updated July 20, 2020

Welcome to the CopperPoint website. These terms of use apply to the CopperPoint family of companies which includes CopperPoint Insurance Company, Pacific Compensation Insurance Company, Alaska National Insurance Company and their affiliated companies (“CopperPoint”). We appreciate your interest in us. Please read these Terms of Use and this User Agreement before accessing our Website. Our Website includes the websites identified as copperpoint.com; pacificcomp.com, alaskanational.com, and the associated agent and consumer portals (Website). By using this Website, you agree to be bound by the Terms of Use. We reserve the right to make changes to this agreement at any time. If you do not agree to these Terms of Use, do not use this Website.

CopperPoint values your privacy and strives to comply with the various laws and regulations that protect nonpublic personal information. The laws that apply to you depend on your status as a consumer, customer, non-customer/consumer, employee, job applicant, business partner, business prospect or other status, as well as the jurisdiction in which you reside. Laws, technologies, and business demands change over time and therefor, these Terms of Use are subject to change.

When you visit and navigate our Website, and when you communicate with us via the Website, you agree to these Terms of Use and to our Online Privacy Policy, which will govern your privacy rights. Please refer to our Online Privacy Policy section for further information.

Products and Services

This website contains general information about insurance policies, rates, and coverage, and may reference products or services that are not offered or available to all persons or in all states. The product overviews and summaries are provided for information purposes only and represent brief descriptions of the benefits and services detailed in the policy documents. If you have an insurance policy with us, then the insuring agreements, exclusions and conditions in your policy are controlling, and nothing we say on this website alters any of the language in your policy. If you have any questions about your particular policy, then we recommend that you read your policy carefully, and contact your agent to ask any questions you may have.

Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by CopperPoint. We cannot promise you that we will accept your application or provide you with any insurance coverage. This website does not make any representations that coverage exists for any particular claim or loss, or type of claim or loss, under any policy. The decision on any coverage question depends on the facts and circumstances involved and all applicable policy wording.

Your Email

We welcome your comments or questions about our Website and have provided email boxes for that purpose. We will share your comments and questions with our customer service representatives and those employees most capable of addressing your questions and concerns.

Please note that your email, like most non-encrypted Internet email communications, may be accessed and viewed by other Internet users without your knowledge and permission while in transit to us. For that reason, to protect your privacy, please do not use email to communicate information to us that you consider confidential. If you wish, you may contact us via telephone at the numbers provided at various locations on our Website.

Some locations on CopperPoint's website have special provisions for a more secure environment, so that we may exchange information of a more sensitive nature with you. At each of these locations, we provide you appropriate instructions.

Reliance on Information Posted

The information presented on or through the Website is made available solely for general information purposes. Some information may have been changed since we posted it on this site.We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website or by anyone who may be informed of its contents. This website may include content provided by third parties. All statements and/or opinions expressed in these materials and other content are the opinions and responsibility of the persons or entity providing those materials and do not necessarily reflect the opinion of CopperPoint.

Linking to Other Sites

From time to time, the CopperPoint website may provide links to other websites, not owned or controlled by us, which we think might be useful or of interest to you. We cannot, however, be responsible for the privacy practices used by other website owners or the content or accuracy of those other websites. Links to various non-CopperPoint websites do not constitute or imply endorsement by CopperPoint of these other sites, any products or services described on them or of any other material contained in them and may not necessarily represent the views of CopperPoint. You agree that CopperPoint bears no responsibility or liability for any kind whatsoever for any content accessed or harm caused by any third-party website.

Linking to Our Website

You may provide links to this Website, provided (a) that you do not remove or obscure, by framing or otherwise, advertisements, the copyright notice, or other notices on the blog website, (b) your website does not engage in illegal, including defamatory, or pornographic activities, (c) you and your website do not represent any partnership, affiliation or endorsement without our prior written consent and (d) you discontinue providing links to this Website immediately upon request by us and agree to cooperate with us in causing unauthorized use or framing to stop.

Copyright, Trademark/Servicemark and Intellectual Property

The content and presentation of this Website and the CopperPoint name and logo, and related names and product and service names, designs and slogans are owned by CopperPoint and protected by copyright and/or trademark law. Unauthorized use or reproduction is prohibited. You must abide by all copyright notices and restrictions contained in this Website. If you wish to make use of the materials on the Website, please address your request to General Counsel, Sara Begley, at sbegley@copperpoint.com.

Applicable Law

Use of this Website is governed by and construed in accordance with the laws of the State of Arizona. We provide this Website for use by persons located in the United States. If you access this Website from outside the United States, you are responsible for compliance with any applicable laws and regulations. For information relating to CopperPoint’s privacy policies and practices, please see our Online Privacy Policy section below.

Changes to the Terms of Use

CopperPoint reserves the right to revise and update these Terms of Use from time to time in our sole discretion. Your continued use of the Website means that you accept and agree to the changes. 

Accessing the Website and Account Security

CopperPoint may modify, suspend, or discontinue the Services or access to the Website without any notice at any time and without any liability to you. From time to time, we may restrict access to some parts of the Website or the entire Website to users, including registered users. You are responsible for both making all necessary arrangements for you to have access to the Website and ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use and comply with them. To access this Website, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website that all information you provide on the Website is correct, current and complete. You agree that all information you provide to register with this Website is governed by our Online Privacy Policy and you consent to all actions we take with respect to your information consistent with the Online Privacy Policy. This statement is not intended to, and does not create, any contractual or other legal rights in your favor or on behalf of any party.

No Waiver of Terms

Failure of CopperPoint to exercise or enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision in that or any other instance.

Posting Content on This Website, Monitoring and Enforcement

In some location on this Website, CopperPoint welcomes user comments. If you post comments, we request that you register with your actual name and residence. We reserve the right to remove any comment or posting in our sole discretion, including those that use foul language, are personal attacks or use of language that may be libelous or may be interpreted as inciting hate or harassment or may violate the law or Terms of Use. Comments may be reviewed by a moderator and excluded or included at our sole discretion. Comments posted do not necessarily represent the views of CopperPoint. You agree that when posting on our Website you will not defame, abuse, stalk, threaten or otherwise violate legal rights of others; you will not upload files that contain software or materials unless you own the right thereto; you will not upload files that contain viruses, corrupted files or similar software or programs, advertise or offer to sell goods or services for business purposes, conduct surveys, falsify or delete author attributions, and harvest or collect information about others without their consent or violate any applicable laws or regulations.

By posting or contributing content to the Website using these Services, you are granting CopperPoint a non-exclusive, royalty-free, perpetual, and worldwide license to use your name and content in connection with the operation of the Website and Services, and/or for educational or other non-commercial purposes, including, without limitation, (1) the license rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your content, and/or to incorporate it into a collective work, and (2) the right to sublicense any or all of CopperPoint's license rights to others.

You represent and warrant that (a) you have all right, title, and interest to such posted content, including but not limited to any consent, authorization, release, clearance or license from any third party (such as, but not limited to, any release related to rights of privacy or publicity) necessary for you to provide, post, upload, input or submit the content, or (b) that such content is in the public domain or that your use of such content constitutes fair use. You further represent and warrant that posting such content does not violate or constitute the infringement of any patent, copyright, trademark, trade secret, right of privacy, right of publicity, moral rights, or other intellectual property right recognized by any applicable jurisdiction of any person or entity, or otherwise constitute the breach of any agreement with any other person or entity.

You further represent and warrant that you are who you say you are, that you have not submitted fictitious, false or inaccurate information about yourself, and that all information contained in the posted content is true and your own work or work you are authorized to submit, and that the posted content does not contain any threatening, harassing, libelous, false, defamatory, offensive, obscene, or pornographic, material, or other material that would violate any other applicable law or regulation. You agree that you will not knowingly and with intent to defraud provide material and misleading information. You represent and warrant that the content you supply does not violate the Terms of Use. We have the right to take any legal action, or to terminate or suspend your access to all or part of the Website without limitation. We assume no liability for any action or inaction regarding transmissions, communications or content provided by any user or third party. We have the right to cooperate fully with any law enforcement authorities or court order regarding the identity or other information of those posting any materials on or through the Website. 

Copyright Notice and Copyright Complaints

All content of this CopperPoint website are: ©CopperPoint Insurance Company 2020 by CopperPoint Insurance Company – All Rights Reserved. If you believe there is a violation of your copyrighted materials, see our Notice and Take Down Procedure for instructions on sending us a notice of copyright infringement. It is the policy of CopperPoint to terminate the user accounts of repeat infringers.

No Legal Advice or Attorney-Client Relationship

Information contained on or made available through this Website is intended for general use and is not intended to, and does not constitute, legal advice, recommendations, or counseling under any circumstance; no attorney-client relationship is formed. We do not warrant or guarantee the accurateness, completeness, usefulness of any posting, adequacy or currency of the information contained in or linked to this Website. Your use of information on the Website or materials linked is entirely at your own risk and you further agree that should not be relied upon and is not a substitute for advice from an attorney licensed in your jurisdiction who have been retained to represent you.

Disclaimer

CopperPoint is not liable to any party for any direct, indirect, special or consequential damages arising out of use of this Website or of any hyper-linked website. Information on this Website is provided for reference only and is not intended as legal or professional advice. Any links to other websites are provided solely as a convenience and are not endorsements of any product or service or website.

Disclaimer of Warranty and Limitation of Liabilities

THE WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR OTHERWISE. WITHOUT LIMITATION, WE DISCLAIM ANY AND ALL WARRANTIES REGARDING THE SECURITY, RELIABILITY, TIMELINESS, AND PERFORMANCE OF ALL SERVICES ASSOCIATED WITH USE OF THE WEBSITE. WE MAKE NO WARRANTY, EXPRESS OR IMPLIED, THAT YOUR USE OF THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, OR ERROR-FREE. SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF CERTAIN WARRANTIES, SO PORTIONS OF THE ABOVE DISCLAIMER MAY NOT APPLY TO YOU.

TO THE EXTENT NOT PROHIBITED BY APPLICABLE LAW, COPPERPOINT WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF OR INABILITY TO USE THE WEBSITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THE WEBSITE IS SOLELY AT YOUR OWN RISK. UNDER NO CIRCUMSTANCES SHALL COPPERPOINT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, OR CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, INCOME, OR BUSINESS OPPORTUNITIES, REGARDLESS OF THE NATURE OF THE CLAIM OR THE FORM OF ACTION, ARISING OUT OF OR CONNECTED WITH THE WEBSITE (INCLUDING BUT NOT LIMITED TO ITS OPERATION, ITS CONTENTS, OR THE INFORMATION OR MATERIALS CONTAINED THEREIN, OR THE USE OR INABILITY TO USE ANY OTHER WEBSITE LINKED TO THE WEBSITE, OR ANY CONTENT CONTAINED IN ANY SUCH WEBSITE, OR THESE TERMS, OR THE PRIVACY POLICY APPLICABLE TO THE WEBSITE) EVEN IF COPPERPOINT, ITS SUPPLIERS, OR LICENSORS HAVE BEEN NOTIFIED OF THE POSSIBILITY OF ANY DAMAGES.

Indemnities

You acknowledge and agree to indemnify and hold CopperPoint, its affiliates, officers, employees and agents, harmless, including costs and attorneys' fees, from any claim or demand made by any third party due to or arising out of your use of the Website or Services, your violation of these Terms of Use, or the infringement by you or made under your CopperPoint Account(s), of any intellectual property or other right of any person or entity.