Terms of Use

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Terms of Use

Constellation Terms of Use

This page describes the Terms of Use governing your use of this Website.

By using this Website, you agree to the following terms and agree that you are responsible for complying with any applicable laws and regulations (“Terms, or “Terms of Use”). If you do not agree with any of these terms and conditions, you must not use this Website.

For information on our data collection practices please see Constellation’s Privacy Notice

GENERAL INFORMATION

This website is maintained by Constellation Mutual.com and its subsidiaries’ or businesses operating under the Constellation portfolio of brands, including, but not limited to, MMIC Insurance, Inc., UMIA Insurance, Inc., Arkansas Mutual Insurance Company and InsureCAREteams™, a product of MMIC Insurance, Inc., and UMIA Insurance, Inc., (collectively “Constellation, “us”, “our”, “site”, “website”, or “we”).

By choosing to use the site, you agree that you have read, understand and agree to be bound by these Terms of Use, as amended from time to time.

Constellation reserves the right to change these Terms of Use from time to time, as necessary and they shall become effective upon posting. It is your responsibility to review these Terms of Use prior to each use of the site and by continuing to use the website, you agree to any changes. Nothing in these Terms shall be deemed to confer any third-party rights or benefits.

We do not knowingly offer or sell products or services to children. Our site is not intended for anyone under 13 years of age.

We do not offer or sell products or services outside the United States.

ACCESSING THE WEBSITE AND SECURITY

We reserve the right to withdraw or amend this website, and any service or material we provide on the site, in our sole discretion without notice. We will not be liable if for any reason all or any part of the website is unavailable at any time or for any period. From time to time, we may restrict access to users, including registered users, to some parts of the website, or the entire website.

To access the website or some of the resources it offers, you may be asked to provide certain registration details or other information, including personal information. You agree that all information you provide to register with this website or otherwise, including but not limited to using any interactive features on the website, is governed by our Privacy Notice, and you consent to all actions we take with respect to your information consistent with our Privacy Notice.

If you choose, or are provided with, a user name, password, login credentials, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. Each registration is for a single user only. You are not allowed to share your registration login credentials or give your login credentials to anyone else. You are responsible for maintaining the confidentiality of your password or other security information.

You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other suspected or known breach of security. You also agree to ensure that you exit from your account at the end of each session.

USE OF THE WEBSITE

By using this site or creating an account, you agree to provide accurate account information and to promptly update the information if it changes.

You may use the website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the website:

  • In any way that violates any applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries);
  • For the purpose of exploiting, harming or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personal information or otherwise;
  • To transmit, or procure the sending of, any advertising or promotional material including any “junk mail”, “chain letter” or “spam” or any other similar solicitation;
  • To impersonate or attempt to impersonate Constellation, a Constellation employee, another user or any other person or entity (including, without limitation, by using e-mail addresses associated with any of the foregoing); or
  • To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the website, or which, as determined by us, may harm Constellation or users of the website or expose them to liability.

Additionally, you agree not to:

  • Use the website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the website, including their ability to engage in real time activities through the website;
  • Use any robot, spider or other automatic device, process or means to access the website for any purpose, including monitoring or copying any of the material on the website;
  • Use any manual process to monitor or copy any of the material on the website or for any other unauthorized purpose without our prior written consent;
  • Use any device, software or routine that interferes with the proper working of the website;
  • Introduce any viruses, Trojan horses, worms, logic bombs or other material which is malicious or technologically harmful;
  • Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the website, the server on which the website is stored, or any server, computer or database connected to the website;
  • Attack the website via a denial-of-service attack or a distributed denial-of-service attack; or
  • Otherwise attempt to interfere with the proper working of the website. 

RELIANCE ON INFORMATION POSTED

The information presented on or through the website is made available solely for general information purposes. 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 any of its contents.

Product descriptions are included to provide a quick reference tool concerning the general nature and types of products available. Products or policies referenced in these descriptions may not be available in all states. These descriptions are not intended to be complete descriptions of all terms, exclusions and conditions in the subject policies, but are solely provided as general descriptions of the products.

All descriptions are general and informational only. Anyone interested in a particular product should review the policy to determine the scope and limitations of coverage. This information is provided “as is” without warranty of any kind, either expressed or implied as to its accuracy.

Constellation assumes no responsibility for errors or omissions in the information or other documents which are referenced by or linked to this information. In no event shall Constellation be liable for any special, incidental, indirect or consequential damages of any kind, or any damages whatsoever, including, without limitations, those resulting from loss of use, data or profits whether or not advised of the possibility of damage, or on any theory, arising out of or in connection with the use or performance of this information. This information may not be used to interpret any provision of an insurance policy.

ELECTRONIC QUOTES AND INSURANCE DOCUMENTS

All quotes generated by this website are estimates based upon the information you provided. and are not a contract, binder, or agreement to extend insurance coverage. Quotes, incomplete applications, or applications without payment are informational only and not legally binding until a policy is issued.

All applications are subject to underwriting approval. Coverages and availability may vary by state and additional minimum coverage limits may be available in your state. Only authorized representatives have authority to bind coverage, issue policies or certificates of insurance or agree to the addition or deletion of coverage.

To obtain coverage you must complete and submit the entire application that satisfies our underwriting guidelines and, if offered, provide payment information. You will receive an email confirmation from Constellation when your policy is available. Policy documents are available through the secure customer portal, including information on how to create a copy of your policy, and how to provide notice should you change your delivery preference.

For additional information, please contact Constellation 800.328.5532

CONSTELLATION INTELLECTUAL PROPERTY RIGHTS

Except for information covered by our Privacy Notice, any communication or materials you transmit to or through the website, including data, comments, questions, suggestions, ideas, concepts, know-how, techniques, or the like, shall become the property of Constellation. Constellation shall be free to use, disclose, reproduce, or distribute any such communications or materials without limitation of any kind.

All trademarks, logos, designs, slogans, and trade dress appearing on this website, whether or not appearing in large print, italics, or with the trademark symbol, are owned by Constellation or its affiliate companies, or are used under license. This website may also contain or reference patents, proprietary information, technologies, products, processes, or other proprietary rights of Constellation and/or other parties. No license to, or right in, any such trademarks, patents, trade secrets, technologies, products, processes, and other proprietary rights of Constellation and/or other parties is granted to, or conferred upon, you.

You may not, distribute, modify, transmit, reuse, repost, or use the content of the website for public or commercial purposes, including the text, images, audio, or video, without the written permission of Constellation. You should assume that everything you see or read on this website is copyrighted unless otherwise noted and may not be used, except as provided in the Terms of Use or in the text on the website, without the written permission of Constellation. Constellation neither warrants nor represents that your use of materials displayed on the website will not infringe rights of third parties not owned by, or affiliated with, Constellation.

MONITORING AND ENFORCEMENT: ACCOUNT TERMINATION
Constellation reserves the right to:

  • Remove or refuse to post any user content for any or no reason in our sole discretion;
  • Take any action with respect to any user content that we deem necessary or appropriate in our sole discretion, including if we believe that such content violates these Terms of Use, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the website or the public or could create liability for Constellation;
  • Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy.;
  • Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the website; and
  • Terminate or suspend your access to all or part of the website for any or no reason, including without limitation, any violation of these Terms of Use.

Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the website. YOU WAIVE AND HOLD HARMLESS CONSTELLATION AND ITS AFFILIATES, LICENSEES AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY ANY OF THE FOREGOING PARTIES DURING OR AS A RESULT OF ITS INVESTIGATIONS AND FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES.

However, we do not undertake to review all material before it is posted on the website, and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.

THIRD PARTY CONTENT

The content on this site may include materials or other content provided by a third party who licensed to us the right to use the material. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by Constellation, are solely the opinions and the responsibility of the person or entity providing those materials and do not necessarily reflect the opinion of Constellation.

We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

DISCLAIMER OF WARRANTIES
You understand that we cannot and do not guarantee or warrant that files or other content available for downloading from the internet or the website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means outside of our website for any reconstruction of any lost data. WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR FROM YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

YOUR USE OF THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER CONSTELLATION NOR ANY PERSON ASSOCIATED WITH US MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER CONSTELLATION NOR ANYONE ASSOCIATED WITH US REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

CONSTELLATION HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

LIMITATION ON LIABILITY

IN NO EVENT WILL CONSTELLATION, ITS AFFILIATES OR THEIR LICENSEES, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, AN CONTENT ON IT OR SUCH OTHER WEBSITES OR SERVICES OR ITEMS OBTAINED THROUGH IT OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, INCIDENTAL SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES, INCLUDING WITHOUT LIMITATION, ANY PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR LOSS OF REVENUE, PROFITS, BUSINESS, GOODWILL, USE, DATA, OR OTHER LOSSES WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THIS SITE OR INABILITY TO USE THE SITE, SITE CONTENT OR ANY SERVICES, OR ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, EFFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, SYSTEM FAILURE, LOSS OF DATA OR LOSS OF USE RELATED TO THE SITE OR ANY THIRD PARTY SITE. IF YOU ARE DISSATISFIED WITH US, ANY OF OUR SERVICES OR THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SITE., EVEN IF FORESEEABLE.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

INDEMNIFICATION
You agree to defend, indemnify and hold harmless Constellation, its affiliates, licensees and service providers, and its and their respective officers, directors, employees, contractors, agents, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the website, including, but not limited to, any use of the website’s content, services and products other than as expressly authorized in these Terms of Use or your use of any information obtained from the website.
GOVERNING LAW AND JURISDICTION
These Terms of Use shall be governed in all respects by and construed in accordance with the laws of the state of Minnesota, without regard to its conflicts of law principles. Exclusive jurisdiction over any cause of action arising out of these Terms of Use or your use of the website shall be in the state or federal courts located in the state of Minnesota. You agree to submit to the jurisdiction of such courts.

WAIVER AND SEVERABILITY; ENTIRE AGREEMENT
No waiver by Constellation of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Constellation to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.

The Terms of Use and our Privacy Noticeconstitute the sole and entire agreement between you and Constellation with respect to the website and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the website.

CONTACTING US
If you have any questions or comments about these Terms of Use, please do not hesitate to contact us at the following

Constellation, Inc
7701 France Avenue South, Suite 500
Minneapolis, MN 55435-5288
800.328.5532

Marketingintake@Constellationmutual.com.

MMIC Insurance, Inc
7701 France Avenue South, Suite 500
Minneapolis, MN 55435-5288
800.328.5532
marketingintake@Constellationmutual.com

UMIA Insurance, Inc
310 East 4500 South, Suite 600
Salt Lake City, UT 54107-3993
800.748.4380
marketingintake@Constellationmutual.com 

Arkansas Mutual Insurance, Inc
11300 N. Rodney Parham Road, suite 220
Little Rock, AR 72212
201.716.9190
marketingintake@Constellationmutual.com