Terms of Use

Use of A.M. Best Web sites (the "Web Site") is subject to the following Terms of Use ("Terms"). By using or accessing the Web Site, you accept and agree to be bound by these Terms.

A.M. Best reserves the right to modify these Terms at any time and without prior notice. You should review the most current version of these Terms at www.ambest.com using the link labeled "Terms of Use". You should periodically refer to the contents of this document for any changes.

Please contact webmaster@ambest.com for questions on our Terms. Permission to use A.M. Best content is granted on a case-by-case basis. Visit our Permissions page to submit a request .

Use of the Web Site

All information provided by A.M. Best on the Web Site, including but not limited to text, data, ratings, reports, images, photos, graphics, and charts (the "Content") is owned by or licensed to A.M. Best Company and/or its subsidiaries (collectively "A.M. Best") and is protected by United States copyright laws and international treaty provisions. By accessing and using any of the features of the Web Site you represent that you are 13 years or older and understand that through such access and usage you are legally bound by these Terms.

You acknowledge that A.M. Best and its licensors own and shall retain the exclusive right, title and ownership in and to all copyrights, trade secrets, trademarks and other proprietary rights in the Content. All unauthorized use of the Content, or any part thereof (including e-mail addresses) is strictly prohibited without prior written permission from A.M. Best.

You agree not to reproduce, retransmit, disseminate, sell, license, sub-license, distribute, publish, broadcast, make available or circulate the Content or any part thereof to any third party, regardless of the method or medium of distribution. You further agree not to use the Content or any portion of the Web Site as part of any intranet or other internal network, to store the Content in a database or information retrieval system or to use the Content to create, update or modify any database or information retrieval system that is intended to create or serve in any way as a substitute for any products or services made available by A.M. Best.

A.M. Best does authorize you, on an occasional and irregular basis, to copy a de minimis amount of Content or other information published on the Web Site or transmitted via e-mail for your internal, noncommercial use within your organization. If you or your company has a fee-based subscription with, or other written authorization from, A.M. Best, then please refer to that agreement as it may supersede the aforementioned restriction. In consideration of this authorization, you agree that any copy of documents obtained from the Web Site or through any link provided on the Web Site shall retain all copyright and other proprietary notices contained therein. For more information about A.M. Best Products & Services, please visit http://www.ambest.com/sales/default.asp.

Each individual document published by A.M. Best on the Web Site or transmitted via e-mail may contain other proprietary notices and copyright information relating to that individual document. Likewise, any product, process, or technology, contained in individual documents on the Web Site may be the subject of other intellectual property rights reserved by A.M. Best, and may not be licensed hereunder.

All trade names, trademarks, service marks, images and logos on materials, including electronic facsimiles, published by A.M. Best are proprietary to their respective owners and are protected by applicable trademark and copyright laws. Any unauthorized use of A.M. Best owned marks or graphics is strictly prohibited. Any of the trademarks, service marks or logos (collectively, the "Marks") displayed on the Web Site may be registered or unregistered marks of A.M. Best Company, Inc., or others. Nothing contained on this Web Site should be construed as granting any license or right to use any of the Marks displayed on the Web Site without the express written permission of A.M. Best Company, Inc. or a third party owner of such Marks.

Disclaimer Warranties

The information available on the Web Site and/or transmitted via e-mail is provided "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

Content may include technical inaccuracies or typographical errors. Changes may be periodically made to the Content and these changes will be incorporated in new editions of the Content. A.M. Best may make improvements and/or changes in the products and/or services described in the Content at any time without notice.

You may not, nor may you allow others to, directly or indirectly, attempt or actually disrupt, impair or interfere with, alter or modify the Web Site, or Content. Likewise, you may not, nor may you allow others to, directly, or indirectly, collect or attempt to collect any information about our Customers, including passwords, account or other data.

Timeliness of Content

The Content, including, but not limited to, ratings, reports, studies and other commentary is current as of the date published or indicated on the Content and is subject to change without notice. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent Content.

Changes to the Web Site

Unless otherwise agreed, A.M. Best may discontinue or modify the Web Site or Content at any time and without prior notice. Continued usage of the Web Site implies acceptance of those modifications.

Linking and Framing Policy

The Web Site is protected by applicable copyright laws. Accordingly, you may not copy, distribute, modify, post or frame-in the Web Site or the Content posted on the Web Site without prior written permission from A.M. Best.

Unless outlined by a specific agreement between you and A.M. Best, any link created from another web site to the Web Site must resolve to the top-level homepage of an A.M. Best domain (e.g., www.ambest.com, www.bestweek.com, www.bestreview.com, etc.).

Links to Other Web Sites

Users may through hypertext or other computer links gain access to other sites on the Internet which are not part of the Web Site. A.M. Best assumes no responsibility for any material outside of the Web Site that may be accessed through any such "link".

Additionally, a link from any of the Web Site to another web site does not imply or mean that A.M. Best endorses the content on that web site or the operations of that site.

Termination

A.M. Best reserves the right to terminate your access to the Web Site for any reason and without prior notice.

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