By using www.uihna.com or www.myuniversal.com, in any manner, you
agree to all terms and conditions contained or referenced in these Terms of
Use. These Terms of Use apply only to your use of www.uihna.com and www.myuniversal.com and do not change
or alter any other agreement or contract between you and Universal Insurance
Holdings of North America, its affiliated companies, and your agent.
Universal Group, Universal Holdings of North America, and
their affiliated entities (collectively, "Universal Group") reserve the
right, in their sole discretion, to modify or change these Terms of Use at
any time without prior notice to you. Your continued use of www.uihna.com and
www.myuniversal.com following the
posting of any changes to the Terms of Use constitutes acceptance of those
changes.
If you do not wish to be bound by these Terms and Conditions,
discontinue your use of this website.
Privacy Policy
Our Privacy Policy describes our use and protection of nonpublic personal
information and will help you understand how we treat the such information
that we obtain from you or other sources in the course of providing you with
products and services. Our Privacy Policy may be accessed at www.uihna.com/PrivacyPolicy.
Your use of this website
You may not use this website to engage in any illegal
activity. You may not use this website to engage in conduct which is
defamatory, libelous, threatening or harassing or that infringes on
proprietary rights.
INDEMNIFICATION.
You (hereinafter referred to as the "Indemnitor" or the
"Indemnifying Party") will defend, indemnify, and hold harmless Universal
Group and its subsidiaries and affiliates, and their respective employees,
officers, and directors (hereinafter referred to as the "Indemnitee" or the "Indemnified
Party") against all costs and expenses of the Indemnified Party (including
without limitation reasonable attorney’s fees) arising against the
Indemnified Party and all damages of the Indemnified Party arising from or in
connection with the use of this website to engage in any illegal activity or
the infringement of proprietary rights.
E-mails to Universal Insurance
Holdings electronic addresses
The Universal Insurance Holdings of North America e-mail system is a private
e-mail system intended only for purposes authorized by Universal Group. Universal
Group prohibits any unsolicited commercial e-mail transmission to be sent, or
caused to be sent, over the internet to any e-mail address at @uihna.com.
Disclaimer of Warranties
Content, products, programs, offerings, or technical information included in
this website may be compiled from vendors that maintain policy information,
and is subject to change without notice. Universal Group makes no representation
or warranty whatsoever regarding, and expressly disclaims legal liability or
responsibility for the completeness, quality, or adequacy of its website,
content, or suitability, functionality, or operation of the website or its
content. Any information, services, materials, software, calculators, or
other items contained on Universal Group’s website are provided "as
is" and "as available" without any warranty of any kind, either expressed
or implied, including, without limitation, the implied warranties of
merchantability and fitness for a particular purpose.
Universal Group does not guarantee that its website will be
uninterrupted or free from errors. By using this website, you assume any risk
associated with the use or performance of information, services or materials
and the risk that the content of this website may be inaccurate, incomplete,
or may not meet your needs and requirements. Universal Group will not be held
liable for any damages, of any kind, that arise from the use of this website
or information contained herein including without limitation the loss of
data, business interruption, incidental damages, and other damages.
Secured areas and passwords
Some portions of Universal’s website are restricted and
require authorization for access. Website users are prohibited from
unauthorized use of or access to areas of the website that are restricted.
Attempts to access such areas without authorization may be viewed, monitored,
and recorded. If you are not an authorized user of the policy management
system or do not consent to monitoring, you should not access areas requiring
authorization.
To gain access to these restricted areas, you must provide
account information and create a password. If you have registered your policy
with www.myuniversal.com you are responsible for maintaining the security and
confidentiality of your password. Universal Group will not ask you for your
password. If you know or suspect that your password has been compromised,
change your password immediately. If you suspect any unauthorized activity
related to your account, contact Universal Group immediately. Universal Group
will not assume responsibility for a security breach to your account if you
mishandle or do not properly maintain the security of your password.
Universal Insurance Holdings
Intellectual Property Rights
The Universal Group tricolor scheme; the terms "Universal Insurance
Holdings Company of North America," "Universal Insurance
Company,"
"Universal Insurance Company of Texas," and "Universal North America
Insurance Company"; the phrase "One Family of Companies You Can
Trust"; and all logos and graphics using the Universal Group name and
marks are the intellectual property of Universal Group and its affiliated
organizations. Universal Group and/or Universal Insurance Holdings of North
America may possess intellectual property rights in materials that are not
contemplated in this provision. Unless otherwise indicated, all materials on
this website, including, but not limited to, graphics, text, software, and
files are the property of Universal Insurance.
Universal Group and Universal Insurance Holdings of North
America reserve all rights to their intellectual property. You may print
copies of pages of this website for your personal, non-commercial use,
provided that all legal ownership notices are retained. ALL OTHER USES ARE
PROHIBITED.
Availability of products and
services
Universal Group conducts business in certain states in the United States of
America. The home office of Universal Insurance Holdings of North America is
located in Sarasota, Florida. Not all of the products or services described
on this website are available in all states where Universal Group conducts
business. Universal Group has made every effort to inform you of products and
services that are available in your state; however, you may not be eligible
for all products offered in your state and Universal Group reserves the right
to determine your eligibility for products and services as permitted by law.
Insurance quotes and coverages
At this time, insurance quotes are not available through this website. To
obtain coverage you must submit an application to Universal Group, through an
independent, participating agent. All applications are subject to
underwriting approval.
Coverages and product availability may vary by state. For additional
information about the products, and coverage options offered by Universal Group,
please contact your local insurance agent.
Online claims submissions
If you are a Universal Insurance customer, you may elect to
manage your claim online. Submission of your claim through our online policy
administration system does not commit Universal Group to cover you for any
loss. Information submitted through our online policy administration system
regarding your insurance policy and any loss is subject to review and
verification. In accordance with customary claims procedures, Universal Group
reserves the right to request and gather additional information before
reaching a decision on any claim. If you have questions concerning the
coverage provided by your policy, please contact your agent or a Universal
Customer Service Representative at the telephone number provided on your
insurance documents.
Applicable law/severability
The laws of the State of Florida shall govern all matters related to or arising
under these "Terms and Conditions." If any portion of these
"Terms and Conditions" is unlawful, void, or unenforceable, it
shall not affect the validity or enforceability of any other provision
contained herein.