Legal and Privacy Notices

The web site www.cmvantage.com (the “Web site”) is owned and operated by CM Vantage. This notice sets forth the terms and conditions under which you may use the Web site (the “Agreement”). Please read this Agreement carefully. Your use of the Web site constitutes your acceptance of the following terms and conditions. If you do not accept this Agreement, please do not use this Web site. This Agreement may be changed, modified, supplemented, or updated at any time, with or without advance notice. Your use of the Web site after any such change, modification, or update constitutes your acceptance thereof. The information contained on this Web site is not an offer to sell any product or service offered by CM Vantage.

Coverages and Services

This website contains only a general description of coverages and does not include all the terms, conditions, and limitations found in CM Vantage policies. The insurance policy, not general descriptions in this Web site, will form the contract between the insured and CM Vantage. The precise coverage afforded by CM Vantage is subject to the terms and conditions of the policies as issued. Neither CM Vantage nor its employees, representatives or agents shall be liable to any party for the use of any information or statements made or contained herein.

Customer Privacy Notice

CM Vantage does not disclose any nonpublic personal information about its individual policyholders or claimants to any affiliate or any nonaffiliated third party other than those permitted by law and only for the purpose of transacting the business of insurance coverage or claims for its policyholders. CM Vantage does not sell any customer or policyholder information to mailing list companies or mass marketing companies. CM Vantage treats its policyholder information as confidential.
At CM Vantage, we will:

a) collect and use only that nonpublic personal information which is necessary or relevant to our business;
b) use only legitimate means to collect personal information and, to the extent practicable, collect such information directly from the individual concerned;
c) make a reasonable effort to determine that the information acted upon is accurate, relevant, timely and complete; and
d) make personal information available externally only when responding to legitimate business inquiries or regulatory authority or as required or permitted by law. Internal access to this information will be limited to those who have a legitimate need for it.

External Links

This site may be linked to other sites not maintained by CM Vantage. CM Vantage is not responsible for the content of those sites. The inclusion of any link to such sites does not imply approval of or endorsement by CM Vantage of the sites or the content thereof.

Please send privacy inquiries to:

CM Vantage Specialty Insurance Company
Attn: Regulatory Compliance
3000 Schuster Lane
P.O. Box 357
Merrill, Wisconsin 54452-0357

Compliance with Laws

When you use this Web site, you are responsible for complying with local laws. CM Vantage makes no representation that the materials on this Web site are available for use in any location. Due to various insurance and other regulatory restrictions, certain products and services described on this Web site may not be available in or suitable for all jurisdictions. Further, we make no representation that materials on this Web site are appropriate for use outside the United States, or that access to this Web site’s content is legal in any other jurisdiction. You may contact CM Vantage authorized brokers to find out which products and services are available in your jurisdiction.

Limitation of Liability

To the fullest extent permitted by applicable law, CM Vantage will not, under any circumstances, be liable to you for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages, whether based on warranty, contract, tort, or any other legal theory, which result from the use of, or the inability to use, the material on this Web site, regardless of whether CM Vantage has been advised of the possibility of such damages. CM Vantage assumes no responsibility, and shall not be liable for, any damage to your computer equipment or other property that results from your accessing or using this Web site or your downloading of any materials, data, text, images, video or audio from this Web site. CM Vantage may, in its sole discretion, modify or discontinue any of the material on the Web site at any time, without notice to you. CM Vantage is not liable to you or any third party for the effects of any such modification or discontinuance. Some states do not allow the limitation of liability stated herein, so the foregoing may not apply to you.

Indemnification

You agree to indemnify, defend, and hold harmless CM Vantage from and against any and all losses, liabilities, expenses, damages, and costs (including reasonable attorneys’ fees and court costs) arising or resulting from your use of this Web site or any violation of this Agreement. If you cause a technical disruption to the Web site or the systems transmitting the site to you or others, you agree to be responsible for any and all losses, liabilities, expenses, damages, and costs (including reasonable attorneys’ fees and court costs) arising or resulting from that disruption. CM Vantage reserves the right, at its own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case you agree to cooperate with CM Vantage in the defense of such matter.

Communications

When you provide your contact information to CM Vantage via the Web site, you consent to receive electronic communications from CM Vantage. CM Vantage may communicate with you via e-mail or by sending messages to your online account. You acknowledge that electronic communications may not be encrypted and there is a risk that data, including but not limited to e-mail and personal data, may be accessed by unauthorized third parties. You agree that all notices, disclosures and other communications that CM Vantage provides to you electronically satisfy any legal requirement that such communications be in writing. If you do not wish to be contacted electronically, you may revoke your consent by emailing us at info@cmvantage.com.

Prohibited Activities

The following is a partial list of activities that are prohibited in connection with the Web site. Prohibited activities include, but are not limited to:

a) using the Web site for unlawful, unauthorized, fraudulent, or malicious purposes;
b) using the Web site in a manner that could damage, disable, overburden, or impair any server, or any network connected to a server;
c) interfering with another person’s use and enjoyment of the Web site;
d) using data mining, robots, or similar data gathering and extraction tools with respect to any portion of the Web site;
e) gaining unauthorized access to accounts, computer systems, or networks connected to any server or systems; and
f) accessing material, systems, data, or information not intended by CM Vantage to be accessible to you.
g) create a false identity for the purpose of misleading others or impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;
h) upload or introduce files that contain viruses, trojan horses, worms, time bombs, cancel-bots, corrupted files, or any other similar software or programs that may damage the operation of another person’s computer or other property;
i) upload or transmit material that infringes any patent, trademark, service mark, trade secret, copyright, or other proprietary right or the privacy or publicity rights of any other person or entity;
j) impersonate another person or entity; or
k) harvest or otherwise collect information about others, including e-mail addresses.
CM Vantage reserves the right to investigate and take appropriate action, including but not limited to reporting such violations to law enforcement authorities or suspending or terminating the account of anyone who, in our sole discretion, violates this section of the Agreement.

Web Site Accounts

You must create an account that is accessible with an authorized username and password in order to access certain portions of the Web site. You are solely responsible for maintaining the confidentiality of your username and password. In no event will CM Vantage be liable for unauthorized use or misuse of your username or password. You authorize CM Vantage to process any and all account transactions initiated through your account. You agree:

a) to provide true, accurate, current, and complete information about yourself when securing an account;
b) not to impersonate any person or entity, misrepresent any affiliation with another person or entity, use false headers, or otherwise conceal your identity from us for any purpose;
c) not to share your username and password with any other person;
d) that you are solely responsible for all activities, charges, damages, or liabilities made or incurred through the use of your username and password. If you do share your account information with anyone, we will consider his or her activities authorized by you;
e) to exit completely from your account at the end of each online session;
f) to immediately notify CM Vantage of any unauthorized use of your account or any other breach of security of which you become aware; and
g) not to use anyone else’s account without permission.
CM Vantage is not liable for any losses that you may incur as a result of any unauthorized use of your account. However, you could be held liable for losses incurred by CM Vantage or another party resulting from someone else’s use of your account.

Confidential Information

Portions of the Web site that are password-protected may contain information designated proprietary or confidential by CM Vantage (the “Confidential Information”). You agree to keep this information confidential and to use it solely for the purpose of conducting business with CM Vantage. You further agree not to alter, decompile, disassemble, reverse engineer, or otherwise modify any Confidential Information. Any employees to whom you disclose Confidential Information must be instructed and agree not to disclose the Confidential Information and not to use it for any purpose not permitted by this Agreement.

Termination

CM Vantage reserves the right to terminate your account and prevent you from accessing the Web site at any time and for any reason, including but not limited to your violation of this Agreement or applicable law. The violation of any of the terms and conditions set forth in this Agreement shall result in the immediate termination of your right and license to use the material and obligates you to immediately destroy any copies of the material in your possession.

General Provisions

The laws of the State of Wisconsin will govern any disputes of any kind arising out of this Agreement or your use of the Web site, without regard to Wisconsin’s conflict of laws principles. You agree to submit to personal jurisdiction and exclusive venue in the state and federal courts located in the State of Wisconsin. You agree that if any part of this Agreement is found to be illegal, invalid, or unenforceable, that provision will be stricken and remainder of the Agreement will remain in full force and effect. The failure of CM Vantage to enforce any provision hereof shall not constitute or be construed as a waiver of such provision or of the right to enforce it or any other provision at a later time. You may not assign your rights or delegate your duties under this Agreement without the prior written consent of CM Vantage. CM Vantage may assign its rights and obligations under this Agreement to any party at any time, without notice to you. Except as expressly provided elsewhere on the Web site, this Agreement constitutes the entire agreement between you and CM Vantage with respect to your use of the Web site.

Regulatory Notice
Company Name State of Domicile NAIC Code States where Authorized Principal Place of Business
CM Vantage Specialty Insurance Company Wisconsin 15872 Wisconsin. Authorized as an eligible surplus lines insurer in certain other states (please contact CM Vantage for a specific list). 3000 Schuster Lane, Merrill, WI 54452-0357
Surplus Lines Notice

CM Vantage operates as a surplus lines insurer in various states. Surplus lines insurers are not licensed in the state where the insured or risk is located, although they may accept business from licensed surplus lines brokers, which are located in such states. CM Vantage’s products are available only through appropriately licensed surplus lines brokers. Risks placed with a surplus lines insurer must be placed in accordance with the applicable surplus lines laws. Insureds of surplus lines insurers are not generally protected by such funds.

California Notice

CM Vantage is not a licensed insurer in California. It is domiciled and has its principal place of business at 3000 Schuster Lane. Merrill, WI 54452-0357. The Wisconsin certificate of authority number for CM Vantage is 114142 (NAIC #15872).