By using or accessing citizensinsurance.net (the “Site“), or any of the Site’s Content (as defined below), you acknowledge that you agree to and are subject to the following terms and conditions (the “Terms“). If you do not fully agree to these Terms, you may not access or otherwise use the Site. You should read through all the Terms carefully.

– We are not affiliated, associated, authorized, endorsed by, or in any way officially connected with any Insurance Agency or any of its subsidiaries, or with The Hanover Insurance Group or any of its subsidiaries, including Citizens Insurance Company of America or Citizens Insurance Property Corporation. This site is rather focused on offering reliable information so that citizens can’t be deemed by any system to be not properly insured at a given moment in time. The objective of this website is to provide mechanisms that greatly reduce this occurrence.

–  We do not offer or sell any insurance or other products described on the Site.  If you are a Prospect and you would like personal advice or specific policy recommendations, please consult with an insurance agent, broker or other qualified professional.

– Changes to Site. We may change, suspend or discontinue any aspect of the Site at any time, including the availability of any Site features, database, or Content. We may also impose limits on certain features or services or restrict your access to parts or all of the Site without notice to you or liability to us.

– Your E-mail Address and Our Privacy Policy. When you use the Site to send an inquiry to us, you agree to allow the Site and our affiliates to add your e-mail address to our database of users. You may receive one or more promotional e-mails from the Site and/or our affiliates. You may opt not to receive such promotional e-mails from us at any time. Please review our Privacy Policy for more information regarding our information collection practices and safeguards, and how to opt not to receive such e-mails. Your use of the Site signifies your acknowledgment of and agreement with our Privacy Policy which is expressly incorporated into these Terms.

– Data Transmittal. Each user acknowledges and agrees that, regardless of such user’s physical location, we may store and process any data transmitted to the Site from such user at locations both within and outside of the United States.

– Amendments. We reserve the right, in our sole discretion, to change, modify, add or remove any portion of these Terms, in whole or in part, at any time. Notification of changes to these Terms will be posted on the Site and will be effective immediately thereafter. Your submission of a quote request and/or other use of the Site following the posting of any such change, modification or amendment to these Terms will constitute your acceptance thereof.

– Links to Third-Party Sites. This Site may contain links and pointers to other Internet sites. Links to and from the Site to other sites, maintained by third parties, do not constitute an endorsement by us of such third-party sites or the contents thereof.

– Miscellaneous. We may immediately and in our sole discretion terminate any user’s access to or use of the Site due to such user’s breach of these Terms, our Privacy Policy or other unauthorized use of the Site. Any cause of action you may have hereunder or with respect to your use of the Site must be commenced within one (1) year after the claim or cause of action first arises. Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of any such right or provision. If for any reason a court of competent jurisdiction finds any provision of these Terms, or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of these Terms, and the remainder of these Terms shall continue in full force and effect.