Please read this Terms of Use thoroughly as it contains important information about your legal rights.
The words “I,” “you,” and “your” mean the policyholder(s) who desires to transact business electronically. The words “we,” “us,” and “our” mean Jewelers Mutual Group, including without limitation its member insurers, Jewelers Mutual Insurance Company, SI (a stock insurer) and JM Specialty Insurance Company (collectively, “JM”). JM reserves the right to update this Disclosure from time to time, and the latest version is always the version that governs the terms.
Welcome to the Terms of Use for the Jewelers Mutual Group and its member companies* (collectively, "Jewelers Mutual," "we," "our" or "us"). The following terms and conditions ("Terms of Use") apply to visitors’ (“you” or “your”) use of our websites or mobile apps (collectively, “Platforms”), including any content, functionality and services offered on or through them.
Please read the Terms of Use carefully before using our Platforms. By using or accessing our Platforms, you accept and agree to abide by these Terms of Use and our Privacy Policy, incorporated herein by reference. If you do not agree to the Terms of Use or Privacy Policy, you should not use our Platforms.
We may revise and update these Terms of Use from time to time. The date these Terms of Use were last updated is identified at the top of the page. Your use of our Platforms following the latest update means that you accept and agree to any changes from an earlier edition of these Terms of Use.
You may use our Platforms only for lawful purposes and in accordance with these Terms of Use. You may not use our Platforms in any manner that could disable, overburden, damage, or impair the Platforms or interfere with any other party's use of the Platforms. You may use the content of our Platforms only for lawful personal use.
We reserve the right to withdraw or amend any service we provide on our Platforms at our sole discretion and without notice. We will not be liable if, for any reason, all or any part of our Platforms are unavailable for any period of time. We may restrict access to some parts of our Platforms to registered users.
If you choose, or you are provided with, a username, password or any other information as part of our security procedures, you must treat such information as strictly confidential. You agree to log out of your account at the end of each session and immediately notify us of any unauthorized use of your username or password or any other breach of security. We can be contacted by any means on the Contact Us page of our website. You should use particular caution when accessing your account from a public or shared computer or network so that others are not able to view or record your password or other personal information.
Jewelers Mutual is committed to protecting your personal information. However, the privacy of communications over the internet cannot always be guaranteed because the internet is not a completely secure medium. For that reason, we assume no responsibility for losses or damages you may experience or incur by sending personal information over the internet. Please review our Privacy Policy for a description of the information that we collect or receive from you, how that information is stored, and how it may be used and/or disclosed by us.
Jewelers Mutual’s Platforms contain links to websites provided by third parties. These links are provided for your convenience only, and we are not responsible for the privacy practices or content of other sites. If you decide to access any of the linked third-party websites, you do so at your own risk and subject to the terms of use of such websites. We accept no responsibility for those sites or for any loss or damage that may arise from your use of them.
The entire contents of our Platforms (including all information, software, text, displays, images, video and audio) and any design, selection and arrangement are owned by Jewelers Mutual and are protected by United States and international laws regarding copyrights, trademarks, trade secrets and other intellectual property or proprietary rights. You may not use our Platforms’ images or reproduce, adapt, or publish any website content without our written consent.
Images displayed on our Platforms are the property of, or under license to, Jewelers Mutual. You may not use any of our marks without our prior written consent.
The information presented on or through our Platforms is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. We disclaim all liability arising from any reliance placed on site information by you, any other visitor to our Platforms, or by anyone who may be informed of any of the site contents.
We strive to provide accurate, useful and current information; however, insurance products, services, premiums, regulations and industry conditions change. Even the best website information and content is no substitute for personalized professional advice, tailored to your business or personal needs.
THE MATERIALS ON OUR PLATFORMS ARE PROVIDED "AS IS." JEWELERS MUTUAL HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
NEITHER JEWELERS MUTUAL NOR ANY PERSON ASSOCIATED WITH JEWELERS MUTUAL MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF OUR PLATFORMS. WITHOUT LIMITING THE FOREGOING, NEITHER JEWELERS MUTUAL NOR ANYONE ASSOCIATED WITH JEWELERS MUTUAL REPRESENTS OR WARRANTS THAT OUR PLATFORMS, THEIR CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH OUR PLATFORMS WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED; THAT DEFECTS WILL BE CORRECTED; THAT OUR PLATFORMS OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR THAT OUR PLATFORMS OR ANY SERVICES OR ITEMS OBTAINED THROUGH OUR PLATFORMS WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.
IN NO EVENT WILL JEWELERS MUTUAL, ITS SERVICE PROVIDERS, OR ANY OF OUR OR THEIR 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, OUR PLATFORMS, ANY WEBSITES OR APPS LINKED TO IT, ANY CONTENT ON OUR PLATFORMS OR SUCH OTHER WEBSITES OR APPS OR ANY SERVICES OR ITEMS OBTAINED THROUGH OUR PLATFORMS OR SUCH OTHER WEBSITES OR APPS. JEWELERS MUTUAL AND OTHERS IDENTIFIED ABOVE IN THIS PARAGRAPH ARE ALSO NOT LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, OR LOSS OF DATA, EVEN IF FORESEEABLE, WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE ARISING OUT OF OR IN CONNECTION WITH SUCH USE OF OUR PLATFORMS.
The foregoing does not affect any liability which cannot be excluded or limited under applicable law. If the foregoing limitation of liability is not enforceable in whole or in part, then in no event shall Jewelers Mutual's total liability to a website user for any loss or damage shown to have arisen from the use of this website exceed the user’s internet access fees for the month in which the access leading to the proven loss or damage occurred.
Our Platforms may contain general descriptions of coverages offered by us and does not include all the benefits and limitations found in our policies. The insurance policy issued, not general descriptions within our Platforms, forms the contract between Jewelers Mutual and the insured. Coverage and pricing are subject to underwriting review and approval, and to policy terms and conditions.
Insurance coverage offered in all 50 states, the District of Columbia and Canada by a member insurer of the Jewelers Mutual Group, Neenah, WI. Not all products and/or services are offered in all geographical locations.
This website is operated by Jewelers Mutual Group, 24 Jewelers Park Dr., Neenah, Wisconsin 54956. You may provide feedback, comments, requests for technical support, other communications, and obtain other contact information by visiting Contact Us.
*The member companies of Jewelers Mutual Group are Jewelers Mutual Insurance Company, SI (a stock insurer), JM Specialty Insurance Company, JM Care Plan, Inc., JM Care Plan Services, Inc., JM Facets, LLC, and JM Insurance Agency Partners, Inc.