American Live Stock Inc. ("ALSI"), a Hiscox Company, administers insurance policies on behalf of Hiscox Insurance Company, Inc. Its main focus is on animal mortality insurance for cattle and equine. Hiscox Insurance Company, Inc. ("HisCo") is an admitted insurance company with property & casulaty licenses in all 50 states. Enquiries as to insurance or other products or services should be directed to an insurance agent or broker licensed to conduct business in the relevant US state.

Terms and Conditions for www.amlivestock.com

These Terms and Conditions contain a legal document ("Terms") between you, the User, and American Live Stock Inc., a Hiscox company which administers insurance policies on behalf of Hiscox Insurance Company inc., with offices in Geneva, Illinois. These terms state the terms and conditions under which you may use www.amlivestock.com (the "Site").

Please read these terms carefully — by using or accessing the Site, you indicate that you have read and understand these terms and you agree to be bound by these terms, including all notices and disclaimers.

If you do not accept and agree to these terms, you may not access or use the site and must exit immediately.

  1. 1. Use of www.amlivestock.com
    1. 1.1 The Site is provided by ALSI for your information and use strictly in accordance with applicable international, federal, state and local laws and regulations ("Applicable Laws"). The Site contains general information about ALSI, including ALSI's parent, subsidiaries and affiliated companies.
    2. 1.2 All portions of the Site related to Broker Services and Insurance Products are intended and permitted for use solely by licensed brokers and other licensed market professionals. Unless you are a licensed broker or market professional, you are prohibited from accessing or using any content on the Site regarding Broker Services or Insurance Products.
    3. 1.3 These Terms may be changed or updated from time to time by ALSI by posting such changes on the Site. It remains your responsibility to access and check these Terms whenever you access the Site. The latest version of these Terms will govern any future usage by you of the Site.
  2. 2. Allowable Uses of the Site. You may:
    1. 2.1 Browse and use the Site for lawful purposes, in compliance with all Applicable Laws, using a compatible web browser. Permission to browse the Site includes permission to make transient or cached copies of parts of the Site to the extent that this occurs in the normal course of using your browser and that these copies are used only to facilitate current or subsequent access to the Site by you;.
    2. 2.2 Print a copy of any page of the Site for your own personal, lawful purposes in compliance with all Applicable Laws, provided you do not erase or delete any legends or disclaimers on such materials;.
    3. 2.3 Otherwise use the site in accordance with all Applicable Laws without engaging in any conduct or activities set out under the heading "What you are not allowed to do," below.
  3. 3. What you are not allowed to do on the Site:
    1. 3.1. Except as stated in Part 2, above, you are not allowed to make copies of any part of the Site, nor distribute, publish, or retransmit any copies.
    2. 3.2. You may not remove or change, nor attempt to remove or change, any information, notices, software, features, functionality or other content on the Site.
    3. 3.3. You may not frame any content on the Site, nor include or create links to or from the Site, without our express written permission. If you wish to obtain such permission, please contact webmaster@hiscox.com. ALSI reserves the right to disable any unauthorized links or frames and specifically disclaims any responsibility for the content available on any other Internet websites linked to or from the Site.
    4. 3.4. You are not allowed to remove or change any copyright, trademark or other intellectual property right notices nor any other notices or disclaimers contained on the Site or in the original material, or from any material copied or printed from the Site.
    5. 3.5. You may not access or use this Site in an unlawful manner, nor access any portion of the Site intended for use by licensed professionals unless you are such a licensed professional.
    6. 3.6. You may not transmit, retransmit, upload or store any information or content in violation of any Applicable Laws including, but not limited to, obscenity, indecency, defamation or infringement of intellectual property rights laws or regulations. Additionally, you may not abuse or fraudulently use the Site, nor allow nor permit such use by others, nor provide false information about you or impersonate another person or entity, nor misrepresent User’s status or affiliation with any other person or entity at any time, nor restrict or inhibit any other person or entity from using and enjoying the Site, nor upload, post, publish or transmit any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or schemes or other unsolicited commercial communication or engage in spamming or flooding, nor post or transmit any information or software, or seek to introduce to the Site or related ALSI systems, any computer virus, trojan horse, worm or other harmful component (including any variant or similar malicious code or instructions), nor attempt to do any of the above prohibited activities, nor deliberately seek to prevent or hinder the Site’s usual operations in any manner.
  4. 4. Your personal information
    1. 4.1. User acknowledges and agrees that by providing ALSI with any personal or proprietary User information through the Site, User consents to the transmission of such personal or proprietary User information over international borders as necessary for processing in accordance with ALSI’s standard business practices. Usage of your personal information is governed by Hiscox’s Privacy Policy, which forms part of these Terms (view Hiscox's Internet Privacy Statement at http://www.hiscox.com/privacy).
    2. 4.2. User should be aware that any other website linked from this Site may contain transmission of personal data provisions that differ from the provisions provided herein. ALSI is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.
    3. 4.3. In the event that ALSI undergoes reorganization or some or all of its assets are sold to a third party, any personal information ALSI received about you through the Site may be transferred to that reorganized entity or third party, provided that their use of it remains in accordance with the applicable Privacy Policy.
  5. 5. Copyright and Trademark Rights
    1. 5.1. The trademarks, logos and service marks ("Marks") displayed on the Site are the property of ALSI and other parties. Users are prohibited from using any Marks for any purpose including, but not limited to use as metatags on other pages or websites on the World Wide Web without the prior written permission of ALSI or such third party which may own the Marks.
    2. 5.2. All information and content, including any software programs available on or through the Site, is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content or software available on or through the Site for commercial or public purposes except as explicitly stated in Part 2, above. You are only allowed to use this Site and the material contained in the Site as set out in these terms.
  6. 6. No warranties

    1. 6.1. All content, products and services on the Site, or obtained from a website to which the site is linked (a "linked site"), are provided to you "as is" without warranty of any kind either expressed or implied including, but not limited to, the implied warranties of merchantability and fitness for a particular

      All contents, products and services on the Site, or obtained from a website to which the Site is linked (a "Linked Site"), are provided to you "as is" without warranty of any kind either express or implied including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose, title, non-infringement, security or accuracy. ALSI does not endorse and is not responsible for:

      1. 6.1.1 the accuracy or reliability of any opinion, advice or statement made through the site by any party other than ALSI
      2. 6.1.2 any content provided on linked sites; or
      3. 6.1.3 the capabilities or reliability of any product or service obtained from a linked Site.

      Other than as required under applicable consumer protection law, under no circumstance will ALSI be liable for any loss or damage caused by a user’s reliance on information obtained through the Site or a linked Site, or user’s reliance on any product or service obtained from a linked site. It is the responsibility of the user to evaluate the accuracy, completeness or usefulness of any opinion, advice or other content from a linked site. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific opinion, advice, product, service or other content.

  7. 7. Limitation of liability for use of the Site and linked Sites
    1. 7.1. The information, software, products and descriptions of products and services published on the Site or a linked Site may include inaccuracies or typographical errors, and ALSI specifically disclaims any liability for such inaccuracies or errors. ALSI does not warrant or represent that the content on the Site is complete or up-to-date. ALSI is under no obligation to update any content on the Site. ALSI may change the content on the Site, and may make improvements or changes to the Site, at any time without notice.
    2. 7.2. You agree that ALSI, its parent, subsidiaries, affiliates any of their respective officers, directors, employees or agents will not be liable, whether in contract, tort, strict liability or otherwise, for any loss or damage which you may claim to have suffered by reason of your accessing and use of the Site, including (but not limited to) indirect, punitive, special, consequential, incidental or indirect damages (including without limitation lost profits substitute service or lost opportunity) arising out of or in connection with the use of the Site or a linked Site, or with the delay or inability to use the Site or a linked site. Even if ALSI is made aware of the possibility of such damages. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user’s equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g. you cannot access your internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any other events whatsoever. ALSI cannot and does not guarantee continuous uninterrupted or secure access to the Site.
    3. 7.3. ALSI may change the format and content of the Site from time to time. You should refresh your browser each time you visit the Site to ensure that you download the most up to date version of the Site, including the latest version of these terms and conditions and the Privacy Policy.
    4. 7.4. The Site includes links to external sites and co-branded pages. ALSI has included links to these sites and co-branded pages to provide you with access to information and services that you may find useful or interesting. Also, you may have linked to this Site from another website. However, ALSI is not responsible for the content of any of these other websites and pages nor for anything provided by them, and accepts no liability for the content or for any loss or damage caused or alleged to have been caused by the use of or reliance on information contained in such sites or goods or services purchased from them. If you decide to access any web site other than the Site you do so entirely at your own risk. ALSI hereby disclaims any liability, whether based on contract, tort, strict liability or otherwise, including without limitation liability for any direct, punitive, special, consequential incidental our indirect damages, in connection with the goods or services provided by any carrier or other supplier through the Site, including without limitation liability for any act, error, omission, injury, loss, accident, delay or irregularity which may be incurred through the fault, negligent or otherwise, of such carrier or supplier and you hereby exonerate ALSI from any liability with respect to the same.
    5. 7.5 Without prejudice to the generality of this Part 7:
      1. 7.5.1 The list of suppliers under any heading of "Approved Services" is provided to help you find services and/or products which may be useful to you. However, you are solely responsible for deciding whether any of these services and/or products and/or suppliers are suitable for your purposes and ALSI takes no responsibility for the suppliers listed and/or their services and/or products.
      2. 7.5.2. The brokers listed under any heading in any Site section are provided to help you to access brokers. However, you are solely responsible for deciding if such brokers or their services are suitable for your purposes. ALSI has no responsibility for such brokers or their services.
      3. 7.5.3. Other ALSI or Hiscox websites (whether or not expressly linked to or from the Site) may contain terms and conditions that are different from these Terms. These Terms relate to this US Site only. When visiting other ALSI or Hiscox websites (for example, hiscoxusa.com) please read the terms and conditions governing the use of each such website, which shall be binding upon you.
  8. 8. Suspension and termination of Service
    1. 8.1. ALSI may suspend the operation of the Site at any time, for example for repair or maintenance work or in order to update or upgrade the contents or functionality of the Site, from time to time. Access to or use of the Site or any other websites or pages linked to it will not necessarily be uninterrupted or error free.
    2. 8.2. ALSI may terminate your access to the Site immediately in the event you breach, or ALSI has reason to believe you may breach, any of these Terms.
    3. 8.3. ALSI reserves the right to withdraw the Site from public access at any time, at its complete discretion.
  9. 9. Communications Features and Postings
    1. 9.1. (For use in connection with message boards or chat rooms when and if available on the Site) ALSI is under no obligation to review any messages, information or content posted on or provided to the Site by Users ("Postings") and assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, ALSI may from time to time monitor any Postings on the Site and may decline to accept and/or remove any Postings that contain:
      1. 9.1.1. Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law.
      2. b. Advertisements or solicitations of any kind.
      3. c. Messages posted by users impersonating others.
      4. d. Personal information such as messages which state phone numbers, social security numbers, account numbers, addresses, or employer references.
      5. 9.1.5. Messages by non-spokesperson employees of ALSI purporting to speak on behalf of ALSI or containing confidential information or expressing opinions concerning ALSI.
      6. f. Messages that offer unauthorized downloads of any copyrighted or private information.
      7. g. Multiple messages placed within individual folders by the same User restating the same point.
      8. h. Chain letters of any kind.
    2. 9.2. Digital Millennium Copyright Act — notification to ALSI regarding alleged copyright infringement. ALSI has registered an agent with the United States Copyright Office in accordance with the terms of the Digital Millennium Copyright Act (the "Act") and avails itself of the protections under the Act. ALSI reserves the right to remove any content on the Site which allegedly infringes another person's copyright. Notices to ALSI regarding any alleged copyright infringement on the Site should be directed to xxxx.
  10. 10. Site inquiries or complaints

    If you have any inquiries or complaints about the Site, please address them to:
    Customer Services Manager
    Hiscox Inc
    357 Main Street
    Armonk, New York 10504
    Tel: 914-273-7400
    Email: InquiryUSA@Hiscox.com

  11. 11. Access to password protected/secure/restricted access Site areas

    Access to and use of password protected areas and/or secure access areas and/or areas restricted to licensed professionals on the Site is restricted to such authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.

  12. 12. General Terms and Governing Law
    1. 12.1. These Terms state the entire understanding of you and ALSI regarding use of the Site and supersede all previous agreements, understandings and representations relating to the subject matter of these Terms or your use of the Site. If any provision of these Terms is found to be unenforceable, this shall not affect the validity or enforceability of any other provision. ALSI may delay enforcing its rights under these terms and conditions without losing them.
    2. 12.2. Users of this Site agree to submit to the jurisdiction and laws of the State of New York USA and applicable federal law without regard to conflicts of laws or choice of law principles.
    3. 12.3. ALSI reserves the right to seek all remedies available at law and in equity for violations of these Terms, including the right to block access from a particular Internet address to this Site. You agree that ALSI may assign these Terms or any of its rights or obligations without giving you notice.

©2008 American Live Stock Inc., a Hiscox company. All rights reserved.