Terms of Use and Code of Conduct

Terms and Conditions for Use of AMA Insurance Agency, Inc. Websites

Thank you for your interest in AMA Insurance Agency, Inc. (“AMAI”). By using our websites and apps, including www.amainsure.com, AMAI profiles on social media sites and any other websites, platforms or apps released by AMAI (collectively referred to as the “AMAI Websites”), you agree to follow our rules. These include these Terms of Use and Code of Conduct (“Terms of Use”), included here, and our Privacy Policy. Please take a moment to read them in their entirety, including the sections at the end, such as Arbitration. If you don’t agree, please stop using our AMAI Websites right away. Using the AMAI Websites means you agree to these Terms of Use.

Certain areas of the AMAI Websites may ask you to agree to additional special terms and conditions, and if you agree, those terms will control your use of the site, in addition to these Terms of Use. Some AMAI sites are available only with registration and require you to set up a unique login and password. You must keep your login information confidential, not share it with anyone, and inform AMAI if you believe your login was compromised or wish to deactivate your login.

You may print or save a copy of these Terms of Use for your records; however, AMAI can revise these Terms of Use at any time by posting revised Terms of Use to the AMAI Websites with no additional notice. Please review these Terms of Use periodically.  If we revise the Terms of Use, the revised version applies the next time you visit or use an AMAI Website.

If you have any questions or concerns regarding these Terms of Use or the AMAI Websites, please contact us by phone at 800-458-5736, email to wecare@amainsure.com or by mail at AMA Insurance Agency, Inc., 330 N. Wabash Ave. • Suite 39300, Chicago, IL  60611-5885.

Our Content (“AMAI Content”)

The content on our AMAI Websites includes:

• AMAI Marks: This covers our trademarks, logos, brand names, and intellectual property.
• AMAI Content: This includes all kinds of materials like articles, videos, podcasts, images, software, data, products, code and any unique designs or layouts we use.

Your Access

We own the AMAI Websites, and you’re welcome to use them for personal, non-commercial purposes only, if you are at least 18 years old. This license to access is limited, meaning you can’t share or transfer it to anyone else. We can also suspend or revoke your access at any time if needed. You cannot use the AMAI Websites or AMAI Content for any illegal purpose.  All AMAI Content is owned by or licensed to AMAI and is protected by laws like copyright and trademark laws. You can’t reproduce, share, reverse engineer or sell any AMAI Content without our prior written permission. Even if you have our prior written permission, make sure not to alter or remove any copyright notices or markings from our content or quote AMAI Content out of context. We expressly refuse permission for all web scraping or web data extraction of our AMAI Websites, including for use with any machine learning or artificial intelligence.  Except as stated in this section about your access, you have no other rights in the AMAI Websites and AMAI Content.  All rights not expressly granted herein are reserved by us.

Code of Conduct – Your Responsibilities as a User

We love hearing from you, but you have no obligation to provide any content to the AMAI Websites. The AMAI encourages you to share your views, comments, pictures, and videos on our sites, including discussion boards and blogs. To help AMAI maintain dialogue that is relevant and respectful of the rights of others, when utilizing our services, you agree to:

• Content Standards: Please refrain from posting content that:
  • Is unlawful, abusive, harmful, obscene, profane, threatening or violent.
  • Harasses or intimidates individuals or groups. Please be respectful and civil to other members, even if you disagree with them.
  • Is defamatory, false, or misleading.
  • Violates the rights of others.
  • Constitutes unsolicited advertisements, promotional materials, spam or trolling.
  • Seeks medical advice (consult your personal physician) or discloses personal health information.

• Rights to Content: By sharing your content, you give us permission to display, reproduce, share and modify it for use on AMAI Websites and otherwise, subject to AMAI’s Privacy Policy. Our Privacy Policy further explains AMAI’s data protection practices and our use and protection of your personal information. Ensure that any content you share is within your rights to post and does not violate any copyrights, trademarks or trade secrets. If you believe in good faith that a copyrighted work has been reproduced on this website without authorization in a way that constitutes copyright infringement, please see the section on DMCA Notification Requirements below.
• Authenticity: Avoid impersonating others or misrepresenting your affiliation with any individual or entity. Provide accurate and complete information whenever you fill out forms or submit materials. If you submit false or incomplete information, we may have to suspend your access. Only submit information on behalf of someone else if you have received their legal permission.
• Privacy Considerations: Anything you post is public. Be careful before posting anything confidential or secret. Do not disclose personal information, such as phone numbers or addresses, unless explicitly requested in the non-public forms on our site.
• Service Integrity: Use our services in a manner that does not harm or disrupt the functionality of the platform or affect other users.
• Security Measures: Do not attempt to access restricted areas of the service or gather information about other users.
• No Endorsement: Just because you see content on our sites doesn’t mean we endorse it. We aren’t liable for any user-generated content, and we recommend not relying on it for important decisions.

The AMAI does not have the obligation to monitor content on its websites but reserves the right to do so. Content that is posted in violation of this policy may be blocked, removed, or otherwise altered. If you violate this Code of Conduct, you may be blocked from posting content. By submitting content on this website, you grant to AMAI a perpetual, non-exclusive, fully paid and royalty-free, transferable, sub-licensable, worldwide license to use, download, duplicate, display, distribute, modify and create derivative works of that content without your further approval or permission and without compensation by AMAI.

You’re responsible for any consequences, like fines or penalties, if you violate these rules.

Electronic Communications

By providing AMAI with a telephone number or email address, you agree to receive communications, including via-email and calls (including text messages and calls made using an autodialer or prerecorded voice message), from or on behalf of AMAI at the email address or telephone number you provided, even if that number is on a National or State Do Not Call List. These calls may be for information and marketing purposes, such as to provide you with information about AMAI’s services and your insurance options. You are not required to provide your consent to these calls as a condition of any purchase on or through AMAI, and you may revoke any consent for marketing messages, phone calls or text messages. Standard text messaging and telephone minute charges applied by your cell phone carrier will apply. AMAI may, without further notice or warning and in our discretion, monitor and/or record telephone conversations for our business purposes, such as quality assurance and training purposes and to protect our rights and the rights of others. You may correct or update your contact information or consents, by contacting us here.

Using the Internet and AMA Websites

• Your Risk: Using the internet and our AMAI websites is at your own risk. It’s important to follow all applicable laws while doing so. We can’t guarantee that your communications will be secure or confidential.
• Updates and Accuracy: We’re not obligated to update the content on our sites, and we can’t be held responsible for any mistakes, outdated information, or errors that may appear.

Information Disclaimer

• Not Advice: The information on our sites is for general purposes only and may not reflect the latest developments. It’s not guaranteed to be accurate or complete, so don’t rely on it as medical, legal, tax or financial advice. Every situation is unique, so you should consult a qualified expert for specific advice. Except for insurance products described on our AMAI Websites, AMAI Content is not an offer to sell or a solicitation of an offer to buy any security, service, or product. Viewing or using AMAI Content and AMAI Websites does not in itself make us your insurance producer or make us your agent or representative.

Patient and Personal Information

• Confidentiality Notice: Laws and ethical standards protect patient and personal information. If our AMAI Websites contain any confidential patient or personal information, it’s important to handle it carefully.
• Your Responsibilities: You must comply with all relevant laws regarding how you retrieve, use, share, or store patient and personal information. This includes obtaining any necessary patient consents. You are fully responsible for how you manage patient and personal information, including any misuse.

Third-Party Information

• Third-Party Content: Our sites may feature information from third parties, such as articles, opinions, advice, offers or services. This content reflects the views of the respective third parties and not AMAI or our affiliates. We don’t guarantee the accuracy or reliability of this third-party information. If AMAI Content cites a third party’s materials, please review the material directly from the third party so that you can form your own independent opinion.

Advertisements and Links

• Advertisements: You may see ads for third-party products and services on our sites. Just because we display these ads doesn’t mean we endorse them. We’re not responsible for any issues that arise from your interactions with these advertisers.
• Third-Party Links: Our websites may include links to other sites for your convenience. We don’t control these sites, and including a link doesn’t mean we endorse them. If you choose to visit these linked sites, you do so at your own risk. Third-party websites are not subject to our Privacy Policy and these Terms of Use, but to the ones maintained by those websites.
• Links Back to Us: If you want to link to our AMAI Websites, please don’t use our trademarks or suggest that we endorse your site or products. We reserve the right to ask you to remove any links that violate our guidelines or cause issues with our content. You must get our prior written permission before inserting deep links that bypass our home page or before framing, mirroring, or in-lining to AMAI Websites or AMAI Content.

Warranties Disclaimed

THE AMAI WEBSITES AND AMAI CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” NEITHER AMAI, ITS AFFILIATES (INCLUDING THE AMERICAN MEDICAL ASSOCIATION), SUBSIDIARIES, EMPLOYEES, OFFICERS, OR TRUSTEES NOR ANY OF ITS AGENTS, REPRESENTATIVES, SUPPLIERS, ADVERTISERS, PROMOTIONAL PARTNERS, OR LICENSORS (COLLECTIVELY, THE “AMA INSURANCE PARTIES”) PROVIDE ANY EXPRESS OR IMPLIED REPRESENTATION OR WARRANTY OF ANY KIND, INCLUDING WITHOUT LIMITATION, ANY REPRESENTATION OR WARRANTY THAT (i) THE AMAI WEBSITES OR AMAI CONTENT, OR ANY RESULTS THAT MAY BE OBTAINED BY YOU, ARE COMPLETE, ACCURATE, RELIABLE OR NON-INFRINGING; (ii) ACCESS TO THE AMAI WEBSITES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE; (iii) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE AMAI WEBSITES WILL MEET YOUR EXPECTATIONS; OR (iv) AMAI CONTENT WILL REMAIN UNCHANGED OR ACCESSIBLE ON THE AMAI WEBSITES. ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED TO THE FULLEST EXTENT PERMITTED BY LAW INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND/OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY.

In the event you are dissatisfied with, or dispute, these Terms of Use, the AMAI Websites and/or the AMAI Content, your sole right and exclusive remedy is to terminate your use of the AMAI Websites, even if that right or remedy is deemed to fail of its essential purpose. You confirm that AMAI has no other obligation, liability or responsibility to you or any other party.

Limitation of Liability.

THE AMA INSURANCE PARTIES SHALL NOT BE LIABLE, AND DISCLAIM ANY LIABILITY, FOR ANY CLAIM, LOSS OR DAMAGE, DIRECT OR INDIRECT, INCLUDING, WITHOUT LIMITATION, COMPENSATORY, CONSEQUENTIAL, INCIDENTAL, INDIRECT, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES OF ANY KIND WHATSOEVER IN CONNECTION WITH, AS A RESULT OF, OR ARISING (i) OUT OF THE USE OF OR INABILITY TO USE THE AMAI WEBSITES AND/OR ANY AMAI CONTENT; (ii) FROM ANY INTERRUPTION IN THE AVAILABILITY OF THE AMAI WEBSITES AND/OR AMAI CONTENT; (iii) FROM ANY LOSS OF DATA AND/OR FROM ANY EQUIPMENT FAILURE; (iv) OUT OF THE PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES RESULTING FROM ANY PROBLEMS WITH THE GOODS, CONTENT AND/OR SERVICES PURCHASED OR OBTAINED FROM THE AMAI WEBSITES, OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE AMAI WEBSITES; (v) FROM UNAUTHORIZED ACCESS TO, ILLEGAL USES OF, OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, AND OUR DISCLOSURE OF INFORMATION TO COOPERATE FULLY WITH COURT ORDERS OR LAW ENFORCEMENT AUTHORITIES; (vi) FROM STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE AMAI WEBSITES; (vii) FROM ANY DELAY OR FAILURE OF THE AMAI WEBSITES ARISING OUT OF CAUSES BEYOND AMAI’S CONTROL; (viii) OUT OF THE USE OF, REFERENCE TO, OR RELIANCE ON, THE AMAI CONTENT; (ix) OUT OF ANY THIRD PARTY MATERIALS, INFORMATION, PRODUCTS AND SERVICES CONTAINED ON, OR ACCESSED THROUGH, THE AMAI WEBSITES; (x) OUT OF ANY CONTENT, MATERIALS, ACCURACY OF INFORMATION, AND/OR QUALITY OF THE PRODUCTS, SERVICES OR MATERIALS PROVIDED BY OR ADVERTISED ON THIRD PARTY WEBSITES; OR (xi) OUT OF ANY OTHER MATTER RELATING TO THE AMAI WEBSITES OR AMAI CONTENT.

Exclusions Permitted by Law

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR CONDITIONS OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR LOSS OR DAMAGE CAUSED BY NEGLIGENCE, BREACH OF CONTRACT OR BREACH OF IMPLIED TERMS, OR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, ONLY THE ABOVE LIMITATIONS IN THE SECTIONS ABOVE WHICH ARE LAWFUL IN YOUR JURISDICTION WILL APPLY TO YOU AND AMAI’S LIABILITY WILL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Remedies

Indemnification: To the fullest extent permitted by law, you shall defend, indemnify, and hold harmless the AMA Insurance Parties from and against all claims arising from or in any way related to your use of the AMAI Websites and/or AMAI Content, a violation by you of these Terms of Use, or any other actions connected with your use of the AMAI Websites and/or AMAI Content, including any liability or expense, losses, damages (actual and consequential), suits, judgments, litigation costs and attorneys’ fees. AMAI will provide prompt written notice of any such claims, but failure to provide such notice will not release you from any of your obligations pursuant to this Section except to the extent that you are actually prejudiced by such failure, and will not relieve you from any other liability that you may have to the AMA Insurance Parties other than under this Section.

Equitable Relief: You agree that any remedy at law for any breach or threatened breach of the provisions of these Terms of Use may be inadequate and that AMAI will be entitled (without the necessity of posting a bond) to specific performance or any other mode of injunctive and/or other equitable relief to enforce its rights hereunder or any other relief a court might award.

Mandatory Arbitration; Class Action and Jury Waiver; Venue

Any claim (“Claim”) you have arising out of or relating to these Terms of Use shall be resolved by a single impartial arbitrator pursuant to proceedings administered by the American Arbitration Association under its rules for resolution of commercial disputes. Any such Claim shall be brought solely by you as an individual and not as part of, or as a representative of, a class. The arbitration shall be held in Chicago, Illinois. All submissions to the arbitrator, the proceedings and the award shall be confidential. The arbitration shall be conducted on an expedited basis with minimal discovery. The arbitrator’s award shall be final and binding. The courts of the State of Illinois and/or the United States District Court for the Northern District of Illinois shall have exclusive jurisdiction and venue over (i) any action concerning the enforcement of an arbitration award, or (ii) if arbitration is not permitted by law, then any Claim you have arising out of or relating to these Terms of Use. You agree to unconditionally and irrevocably submit to the exclusive jurisdiction and venue of such courts and you will not object to such jurisdiction and venue on the grounds of lack of personal jurisdiction, inconvenient forum or otherwise. EACH PARTY IRREVOCABLY WAIVES ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATED TO THESE TERMS OF USE. AMAI reserves all rights and remedies available to it, in law or equity, with respect to any matter relating to these Terms of Use.

Neither party consents or agrees to any arbitration on a class or representative basis, and the arbitrator shall have no authority to proceed with an arbitration on a class or representative basis. No arbitration will be consolidated with any other arbitration proceeding without the consent of all parties. Any claim or controversy as to the enforceability of this arbitration provisions restriction on your right to participate in or pursue a class action or classwide arbitration shall be brought only in the United States District Court for the Northern District of Illinois or any State of Illinois court located in Cook County, Illinois.

Governing Law

These Terms of Use and all matters regarding your use of the AMAI Websites shall be governed by, construed in accordance with, and enforced under the laws of the State of Illinois applicable to contracts made and executed and wholly performed in the State of Illinois, without regard to choice of law principles. Neither the Uniform Computer Information Transaction Act nor the United Nations Convention on Contracts for International Sale of Goods apply and their applicability is expressly excluded. Printed copies of any and all agreements and/or notices in electronic form shall be admissible in any legal, investigative or regulatory proceedings.

Waiver and Severability

The failure of AMAI to exercise or enforce any right or provision in these Terms of Use shall not constitute a waiver of such right or provision. If any provision of these Terms of Use is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be modified only for the parties subject to the court’s order and only to the minimum extent necessary to make the provision enforceable under the law, and all other provisions shall remain in full force and effect.

Complete Agreement

These Terms of Use, together with any revisions, any Additional Terms and Conditions incorporated by reference, and any Click-through Agreement, constitutes the entire agreement between you and AMAI relating to the AMAI Websites and its use by you, and supersedes any previous written or oral communication regarding use of the AMAI Websites.

Statute of Limitations

Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to your use of the AMAI Websites must be filed by you within one (1) year after such claim or cause of action arose or be forever barred.

Use of AMAI Websites and AMAI Content outside of the United States

The AMAI Websites are controlled and primarily operated by AMAI from its offices within the United States of America, and our policies and procedures are based primarily on United States law. If you are not a United States resident and accessing AMAI Websites from outside the United States, the following provisions apply: (i) you consent to the transfer, storage, and processing of your information, including but not limited to any content you share on the AMAI Websites including Personal Data, to and in the United States and/or other countries; (ii) you are not authorized to access or make use of the Services from a location embargoed by the United States, or are on the United States Treasury Department’s list of “Specially Designated Nationals”; and (iii) you agree to comply with all local laws, rules, and regulations including, without limitation, all laws, rules, and regulations in effect in the location in which you reside and the location from which you access the AMAI Websites. The AMAI Websites are not intended for use by any person or entity in any jurisdiction or location where such distribution or use would be contrary to law or regulation, or which would subject AMAI or its affiliates to any registration requirement within such jurisdiction or location. We make no representations that insurance products we sell provide coverage, or are available for purchase or renewal, if you live outside the United States.  Some insurance products we sell are not available in all U.S. states or territories.

DMCA Notification Requirements

Pursuant to the Digital Millennium Copyright Act of 1998, 17 U.S.C. §512(c), if you believe in good faith that a copyrighted work has been reproduced on this website without authorization in a way that constitutes copyright infringement, you may send a notice to: AMA Insurance Agency, Inc., 330 N. Wabash Avenue, Suite 39300, Chicago, Illinois 60611-5885; Attention, Office of General Counsel, Telephone: 1-888-627-5883; Fax: 1-877-588-7488, E-mail: dmca_claims@amainsure.com. Your notice must contain, at a minimum, (i) a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; (ii) identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single AMAI Website are covered by a single notification, a representative list of such works at that site; (iii) identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit AMAI to locate the material; (iv) information reasonably sufficient to permit AMAI to contact you, such as an address, telephone number, and, if available, an electronic mail address at which you may be contacted; (v) a statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and (vi) a statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Thanks for being part of our community!

Effective:  01/10/2025