References herein to “PEMCO,” “we,” “our,” or “us” include PEMCO Mutual Insurance Company and its subsidiaries or affiliates, unless the context otherwise requires.
PEMCO offers a variety of information and services online at pemco.com and through our mobile applications(s) for smartphones (the “Sites”), such as access to your personal account, our product information, and self-help tools (collectively, the “Services”).
These Terms and Conditions of Use as amended from time to time (“Terms and Conditions”) govern your access to and use of PEMCO Sites and Services. By accessing or using our Sites or Services, or by your “click-through” agreement, you agree to be bound by these Terms and Conditions (and any future revisions) as well as any other requirements that may specifically apply to a PEMCO Site or Service. THIS AGREEMENT CONTAINS DISCLAIMERS AND OTHER PROVISIONS THAT LIMIT OUR LIABILITY TO YOU. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY.
We may revise these Terms and Conditions at any time and at our sole discretion. You are encouraged to check the Terms and Conditions frequently and to read them carefully to inform yourself of any changes, which shall be effective upon posting. IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS AND CONDITIONS, YOU MUST NOT USE THE SITES OR SERVICES.
If you have a PEMCO Account, you have the option to receive some or all of your PEMCO bills and policy documents electronically instead of by U.S. Mail, and you will be able to complete some insurance transactions online such as making policy changes, paying your bill, or reporting a claim.
When you log into your Account, you’ll see an option to “Manage my paperless choices.” You can choose to go “paperless” for items like your bill, our privacy notice, and your policy documents. Even when you choose “paperless,” we may choose to send you certain documents in paper format under some circumstances such as technological constraints, system limitations, email delivery issues; suspected fraud; or as required or allowed by law. We reserve the right to update the type of documents you receive electronically at any time, so new choices may be presented in the future.
By choosing to receive your documents “paperless,” you consent to electronic delivery of your documents either to your PEMCO Account or via email. You also accept responsibility to make sure your email address is up to date and that your operating system is 1) capable of connecting to the Internet with a browser that supports HTML 5, Javascript, and TLS Encryption 1.1., and 2) that your operating system can view, save, read, and print PDF files. If we materially change the system requirements, we’ll notify you of any changes.
Once you consent to “paperless,” we’ll send you an email confirming you’ve signed up for that option. When new documents are loaded to your PEMCO Account; we’ll send you an email to the address associated with your PEMCO Account. Your documents are considered delivered once we notify you they are ready to view in your PEMCO Account, or once they are emailed to you. We’ll continue to deliver documents electronically until you notify us that you want to change your delivery preference. You may do that by logging into your Account and changing your “paperless” preferences, or by contacting us by phone, email or chat. You also may request a free paper copy of any of your documents at any time by contacting us.
If an email is returned to us as undeliverable, we’ll notify you via U.S. Mail that your email was undeliverable and that you have new documents available in your PEMCO Account. We will continue to send notices through the U.S. Mail that new documents are available until we have a corrected, valid email address for you.
Your electronic consent to the Terms and Conditions governing electronic delivery is legally binding, and all documents delivered either electronically or by U.S. Mail are considered to be “in writing.” Any transactions made to your PEMCO Account (whether by you or someone else) or electronic disclosures concerning your Account, are governed by your consent. You are responsible to access, download, save, or print your documents. Any technical failure or other problems with your equipment contributing to delay in transmission or any other issue beyond our reasonable control is your sole responsibility.
By agreeing to these Terms and Conditions and clicking the Accept button, you agree that you’ve read, understood, and consented to the terms of “paperless” delivery of documents in accordance with these terms. If you do not agree, do not enroll in “paperless” delivery.
If you have an online account, you have the ability to log into your Account and report a claim online. When you submit a claim online, it is not a guarantee of coverage. An adjuster will be assigned to the claim and will contact you after you submit the claim. Any submitted claim will be reviewed, and coverage verified. If you have questions about the information displayed in your claim information, please contact your adjuster. We reserve the right to request additional information. Submitted claims will be included in your claim history with us and are also reported to Comprehensive Loss Underwriting Exchange (CLUE). Nothing in these Terms and Conditions alters the provisions of any insurance policy you have with PEMCO, and all provisions contained in your insurance policy(ies) remain in effect.
Intellectual property is protected by copyrights, trademarks, service marks, international treaties or other proprietary rights and laws of the United States and other countries. You agree to abide by all applicable proprietary rights and laws as well as any additional trademark, copyright or other intellectual property notices or restrictions contained in these Terms and Conditions. The Terms and Conditions and your use of PEMCO Sites and Services convey no right, title, or interest in PEMCO’s intellectual property.
Trademarks, service marks, trade names, tag lines or slogans, logos, trade dress, and other identifiers (“Marks”) on PEMCO Sites are the intellectual property of PEMCO or their respective owners or licensees. Except as expressly provided in these Terms and Conditions, all rights to PEMCO’s intellectual property are reserved, and you are prohibited from using any Marks for any purpose including but not limited to commercial or public use, use on other materials, as domain names, or as metatags, without PEMCO’s written permission or that of the respective rights holder.
We may change the PEMCO Sites or delete content (including any user content) or features at any time, in any way and for any or no reason.
It is PEMCO’s policy to respond to notices of alleged intellectual property infringement in a manner that complies with the Digital Millennium Copyright Act (the “DMCA”). We will process and investigate notices of alleged infringement and take appropriate action under the DMCA, and in circumstances we determine appropriate we will terminate account access for anyone we conclude, in our sole discretion, is an infringer. If you believe that any material contained on a PEMCO Site may infringe on your copyright, written notice must be provided containing the following information:
Notification must be submitted to PEMCO’s designated agent to receive notifications of claimed copyright infringement as follows:
DMCA Designated Agent: Corporate ComplianceWe may give you notice that we have removed or disabled access to certain material by means of a general notice on the Sites, electronic mail to a user's email address in our records, or by written communication sent by first-class mail to your physical address in our records. If you receive such a notice, you may provide counter-notification in writing to the designated agent that includes the information below. To be effective, the counter-notification must be a written communication that includes the following information:
Upon receipt of a counter notification, we will send a copy of the counter notification to the person alleging copyright infringement. We will cease disabling access to the User Content which is subject to the copyright claim in 10 days unless we receive notice from the person alleging infringement that they have filed an action seeking a court order to restrain use of the content.
THE FUNCTIONALITY, INFORMATION AND DISCLOSURES AVAILABLE THROUGH THE MOBILE APPLICATION SERVICE MAY BE MORE LIMITED THAN THE FUNCTIONALITY, INFORMATION AND DISCLOSURES AVAILABLE THROUGH OUR WEBSITES.
Similar to your use of other PEMCO Services, if you access, download, copy or otherwise use a PEMCO mobile application, by doing so you agree to be bound by these Terms and Conditions as well as any other requirements that may specifically apply to the PEMCO mobile application. With your authorized use of a PEMCO mobile application, PEMCO will grant you a limited, revocable, non-exclusive, non-transferable, non-assignable license (the “License”) for the application. Any updates to the application may be subject to additional terms and conditions of the License for which you will be notified and expected to agree in order to continue using the application.
In accepting these Terms and Conditions you agree:
The information you access through a PEMCO mobile application may be more limited than the information available at PEMCO.com website or other PEMCO Sites.
Except as specifically provided in a PEMCO mobile application license, you may not: (i) distribute or make the application available over a network where it could be used by multiple devices at the same time; (ii) copy the application; (iii) modify, adapt, translate, reverse engineer, make alterations to, decompile, disassemble or make derivative works based on the application, or any other computer software made accessible to you or otherwise used by you to access and use a PEMCO Service; or (iv) use, rent, loan, sub-license, lease, distribute or attempt to grant other rights to the application or other computer software to third parties.
By using a PEMCO mobile application, you agree that PEMCO may collect and use certain information about you, your mobile device, your use of the application and the application’s performance in accordance with our Privacy Policy. If the application is on your phone, it may collect data even when you are no longer a customer. You must delete the application to stop data collection. For our Privacy Policy, please see the link at the bottom of our website at www.pemco.com.
PEMCO respects your privacy. For our Privacy and Security practices please see the link at the bottom of our PEMCO Site at www.pemco.com.
PEMCO Sites and Services are not intended for use by children, and any use or access by anyone 13 years old or younger is prohibited.
We may add or remove functionalities or features of the Sites or Services, and we may at any time suspend or stop a Service altogether, without any notice and without any liability to you. You can stop using our Services at any time, and PEMCO may also stop providing Services to you, or add or create new limits to our Services at any time. PEMCO reserves the right to terminate any PEMCO Account you have, to restrict access to it, or to delete any content posted through your PEMCO Account, with or without notice, for any or for no reason, and without any liability to you.
Information provided on our Sites is meant for informational purposes only so you may learn more about insurance products. It should not be considered to be an offer to sell or as a solicitation to purchase any of our products or services. We may make revisions to our products and services at any time without notice to you.
Nothing contained in our Sites is meant to amend, modify, or supplement any insurance policy. Your insurance policy terms and conditions control what is available to you. Your eligibility for coverage is determined by applicable underwriting qualifications. Whether or not you have coverage for any claim is dependent on the particular facts and circumstances and the applicable policy language. We make no representations on our Sites as to whether claims coverage does or does not exist.
Any conflict between these Terms and Conditions and any other terms and conditions for a specific PEMCO Site or Service shall be controlled by the latter terms and conditions.
We want you to enjoy the Sites and Services we provide, but, we also want to be clear that they are provided with numerous legal limitations.
ALL INFORMATION AND OTHER MATERIALS PRESENTED ON THE SITES ("CONTENT") ARE PROVIDED "AS IS," WITHOUT ANY WARRANTIES ABOUT THE CONTENT’S NATURE OR ACCURACY (EITHER WHEN POSTED OR AS A RESULT OF THE PASSAGE OF TIME) AND WITHOUT ANY REPRESENTATIONS OR GUARANTEES. WITHOUT LIMITING THE ABOVE, PEMCO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON- INFRINGEMENT, SECURITY OR ACCURACY WITH REGARD TO ANY WEB SITE OWNED BY A THIRD PARTY TO WHICH OR FROM WHICH THE SITE IS LINKED ("LINKED WEB SITE").PEMCO IS NOT RESPONSIBLE FOR THE CAPABILITIES OR RELIABILITY OF ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED WEB SITE.
THE INFORMATION, PRODUCTS, SOFTWARE OR SERVICE DESCRIPTIONS PUBLISHED ON THE SITES OR A LINKED WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. THE COMPANY DISCLAIMS LIABILITY FOR SUCH ERRORS AND DOES NOT WARRANT OR REPRESENT THAT THE CONTENT ON THE SITES OR A LINKED WEB SITE IS UPDATED OR COMPLETE. PEMCO HAS NO OBLIGATION TO UPDATE ANY CONTENT ON THE SITES AND MAY CHANGE OR IMPROVE THE SITES AT ANY TIME WITHOUT NOTICE.
PEMCO DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT MADE THROUGH THE SITES BY ANY PARTY OTHER THAN THOSE MADE BY PEMCO. PEMCO MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES THAT THE SITES WILL BE ACCESSIBLE CONTINUOUSLY AND WITHOUT INTERRUPTION, OR ERROR FREE.
IN NO EVENT WILL PEMCO, ITS SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS, BE LIABLE TO YOU FOR ANY PUNITIVE, INDIRECT, DIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING ANY LOST PROFITS, COSTS OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY, EVEN IF YOU HAVE NOTIFIED PEMCO ABOUT THE POSSIBILITY OF SUCH DAMAGES, OR FOR ANY CLAIMS BY ANY THIRD PARTIES ARISING OUT OF OR IN ANY WAY RELATED TO THE ACCESS, USE OR CONTENT OF THE SITES OR A LINKED WEB SITE WHETHER SUCH CLAIMS ARE BROUGHT UNDER ANY THEORY OF LAW OR EQUITY. IN NO EVENT SHALL THE AGGREGATE LIABILITY OF PEMCO, WHETHER IN CONTRACT, WARRANTY, OR TORT, ARISING OUT OFTHE USE OF PEMCO’S SITES EXCEED $5.00 OR THE COMPENSATION YOU PAID PEMCO FOR THE USE OF OUR SITES, WHICHEVER IS LESS.
THIS LIMITATION ON LIABILITY INCLUDES, BUT IS NOT LIMITED TO, TRANSMISSION OF VIRUSES THAT INFECTS A USER'S EQUIPMENT, MECHANICAL OR ELECTRONIC EQUIPMENT FAILURE, FAILURE OF COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECTS, UNAUTHORIZED ACCESS, THEFT, OPERATIONAL ERRORS, STRIKES OR OTHER LABOR PROBLEMS, OR ANY FORCE MAJEURE.
PEMCO reserves the right to seek any other remedies available at law and in equity. You agree, at your own expense, to defend, indemnify and hold PEMCO, its subsidiaries and affiliates, officers, employees and agents, harmless from any claim or demand, including reasonable attorneys' fees, made by a third party in connection with or arising out of: 1) your access to or use of the Sites, the Services, or any of the Sites’ content in a manner other than as expressly authorized by the applicable Terms and Conditions; 2) your breach of any of the Terms and Conditions; or 3) your violation of applicable laws or any rights of any third party.
Failure by PEMCO, in any instance, to exercise any of its rights under the Terms and Conditions will not constitute a waiver of such right or any other rights it may have.
PEMCO operates the Sites from its offices within the United States. We do not represent that content on a PEMCO Site is appropriate or applicable for use in any other country. Access from certain countries other than the United States may be strictly prohibited. You acknowledge and agree that you're accessing a PEMCO Site on your own initiative and at your own risk and will comply with all applicable local laws.
These Terms and Conditions are governed by the laws of the State of Washington, without regard to the rules of conflict of law that may cause the laws of another jurisdiction to apply. You agree to the sole and exclusive jurisdiction and venue of the federal or state courts serving King County in the State of Washington in the event of any dispute of any kind arising from or relating to the Sites or Services, or from or relating to these Terms and Conditions. The Terms and Conditions constitute the entire agreement between the parties with respect to the subject matter they address, and they supersede and replace any prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter. If any provision of these Terms and Conditions is determined to be unlawful, void, or unenforceable, such provision shall be severable from the remaining provisions which shall remain valid and in effect to the fullest extent possible.
PEMCO Mutual Insurance Company 1300 Dexter Ave N
Seattle, WA 98109 1-800-467-3626
These Terms and Conditions were last modified in June 2022.
FACTS |
What does PEMCO do with your personal information? |
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Why? |
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
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What? |
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice. |
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How? |
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons PEMCO chooses to share, and whether you can limit this sharing. |
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Reasons we can share your personal information |
Does PEMCO share? |
Can you limit this sharing? |
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For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus |
Yes |
No |
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For our marketing purposes – |
Yes |
No |
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For joint marketing with other financial companies |
Yes |
No |
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For our affiliates’ everyday business purposes
– |
Yes |
No |
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For our affiliates’ everyday business purposes
– |
No |
We do not share |
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For our affiliates to market to you |
No |
We do not share |
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For nonaffiliates to market to you |
No |
We do not share |
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Questions? Call 1-800-GO-PEMCO (1-800-467-3626) |
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Who we are |
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Who is providing this notice? |
PEMCO Mutual Insurance Company and its affiliate, PEMCO Insurance Agency, Inc., collectively called “ PEMCO” throughout this document. |
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What we do |
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How does PEMCO protect my personal information? |
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
How does PEMCO collect my personal information? |
We collect your personal information, for example, when you:
We also collect your personal information from others such as credit bureaus, affiliates, or other companies. |
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Why can’t I limit all sharing? |
Federal law gives you the right to limit only:
State laws and individual companies may give you additional rights to limit sharing. |
Definitions | |
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. The PEMCO family includes:
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Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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Other important information | |
Go PEMCO App |
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Your Information |
To see your information, write to us at PEMCO Mutual Insurance Company, PO Box 778, Seattle, WA 98111-0778, ATTN: Record Request. Please give us your full name, address, policy number, and the information you want. Within 30 days, we’ll share what we have. If you think any information is incorrect, you may write to us. Because we collect some information from other sources, we‘ll tell you who to contact to correct the information. |
PEMCO wants to improve your online experience with us. That’s why we want you to be aware of the type of information we collect during your online experience. We collect your name, address, and other information only when you provide it to us. When you provide this information we may be able to save some of it for a future visit to our site. For example, if you start a quote request, we save this information, using strong security protocols, so that if you return to our website you won’t have to re-enter the same information. Through a service we use with a third party, once you give us some basic information like your name, address and date of birth, we may be able to pre-fill your insurance information such as what vehicles you own and what drivers live in your home.
We use “cookies” and other analytical tools to track your visits to our websites, record information about your navigation of our website, and your use of our mobile applications. The information we obtain from cookies is non-personally identifiable information. This means we can’t identify you personally just because you visited our site. We are simply adding your experience to statistics we compile about the use of our websites. Our mobile and social media sites may also collect non-personally identifiable demographic information about you (such as age, gender, city and state). We count the number of downloads of our mobile applications, how many visitors we have on our social media sites, and how many viewings we have of our website.
We use these statistics to develop new services and improve our online content. We want to know what you like and dislike about our site, and where you may have trouble navigating our website. Although most browsers allow you to disable cookies this may cause you to have to enter information more than once because the history on our website is not saved. Rest assured the information within these cookies are encrypted and our security measures are designed to prevent others from accessing any of your information.
We also may use advertising companies to display our ads on other Websites. These advertising companies may collect non-personally identifiable information about the websites you visit and what you purchase to display ads about products and services that may interest you. We may also share information about your use of our website with these companies in order to collect market research.
The privacy and confidentiality of your information is important to us. We use strong security protocols to help protect your data from access while it is in transit. This means that we encrypt your data while it is being sent. Only those who have a job reason to access our servers are permitted to access the servers. Our employees subscribe to a Code of Ethics and are aware of the privacy of personal information.
All personal data transactions on our website are handled with 128-bit SSL (Secure Socket Layer) encryption (the industry standard). An encrypted SSL connection requires all information sent between a client and a server to be encrypted, protecting private information from interception over the Internet.
The member account portion of our website is available only to policyholders. You are allowed access to your policy and account information in a private and secure manner. This means to access the quote, policy and billing information pages you also need to use a web browser that supports 128 bit encryption. Our web pages can be accessed by users of Microsoft Internet Explorer 6 and more recent versions. You can also reach our website through use of Google Chrome, Safari and Firefox.
In general, Internet email messages are not secure, unless they are encrypted. You should use discretion before submitting any personal or financial information via email. Information communicated via email messages traveling through the Internet may be intercepted, collected, used or disclosed by others. If you are concerned about the security of email communications, please send your forms or correspondence through the postal service or use the telephone to contact us directly.
Updated June, 2022
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