Terms of Use

HEARTLAND FIDELITY INSURANCE’s Terms of Use

Heartland Fidelity Insurance Company and its subsidiaries (collectively, “Heartland Fidelity Insurance”) are pleased to provide our website (www.heartlandfidelityinsurance.com) and any current or future mobile application (collectively, the “Platform”) as a service to our customers. Please review the following terms of use which govern your use of the Platform (the “Agreement”).

YOUR USE OF THE PLATFORM CONSTITUTES YOUR AGREEMENT TO FOLLOW AND BE BOUND BY THE AGREEMENT. WE RESERVE THE RIGHT TO UPDATE OR MODIFY THIS AGREEMENT AT ANY TIME WITHOUT PRIOR NOTICE. FOR THIS REASON, WE ENCOURAGE YOU TO REVIEW THE AGREEMENT WHENEVER YOU USE THE PLATFORM. IF YOU DO NOT AGREE TO THESE TERMS, PLEASE DO NOT USE THE PLATFORM.

  1. Right to Change Platform

We reserve the right, at any time in our sole discretion, to modify, suspend or discontinue the Platform or any service, content, feature, or product offered through the Platform, with or without notice and/or offer opportunities to some or all users of the Platform, for any reason. You agree that we shall not be liable to you or to any third party for any modification, suspension, or discontinuance of the Platform, or any service, content, feature or product offered through the Platform.

  1. Platform Content

Unless otherwise noted, the Platform, and all features and materials on the Platform, including text, images, illustrations, designs, icons, photographs, video clips, product names, and other content, and the copyrights, trademarks, trade dress and/or other intellectual property in such materials (collectively, the “Content”), are owned, controlled or licensed by Heartland Fidelity Insurance.

The Platform and the Content are intended solely for personal, non-commercial use. You may download or copy the Content and other downloadable materials displayed on the Platform for your personal use only. No right, title or interest in any downloaded Content is transferred to you as a result of any such downloading or copying. You may not reproduce (except as noted above), publish, transmit, distribute, display, modify, create derivative works from, sell or exploit in any way any of the Content or the Platform.

Unless otherwise specified, the Platform and the Content are intended to promote our products and services available in the United States. The Platform is controlled and operated by Heartland Fidelity Insurance from its offices located at 1200 G Street N W, Suite 800 Washington, DC 20005.

  1. No Medical Advice

Nothing contained, expressed or implied in the Platform is intended as nor shall be construed as medical advice. No doctor-patient relationship is established between Heartland Fidelity Insuranceand you by reason of your use of the Platform or under any circumstances whatsoever. Any information on this Platform relating to medical and health conditions or products and treatments is for general informational purposes only and is intended for use only by Heartland Fidelity Insurance customers in the United States. The information on the Platform is not intended to be a substitute for the advice provided by your health care provider or any information in any product packaging or labels. Individual inquiries about medical issues, or sensitive or confidential matters should be addressed to appropriate health care professionals.

  1. No Legal Advice

Nothing contained, expressed, or implied in the Platform is intended as, nor shall be construed or understood as, legal advice, guidance, or interpretation. No attorney-client relationship is established between Heartland Fidelity Insurance and you by reason of your use of this Platform or under any circumstances whatsoever. The information in this Platform is for general informational purposes only. If you have questions about any law, statute, regulation, or requirement expressly or implicitly referenced in this Platform, you should contact your own legal counsel.

  1. Errors, Inaccuracies, and Omissions

Occasionally there may be information on the Platform that contains typographical errors, inaccuracies, or omissions that may relate to our products or services. We reserve the right to correct any errors, inaccuracies or omissions and to change or update information if any information on the Platform is inaccurate at any time without prior notice.

  1. User Content

Heartland Fidelity Insurance is pleased to hear from our customers and welcomes your comments regarding our products and services. However, if you send non-personal data, questions, comments, suggestions or other materials, whether online, by email, by postal mail, or otherwise, in response to articles or other information on the Platform (collectively, “User Content”), you agree that Heartland Fidelity Insurance may, at any time, without restriction, edit, copy, publish, distribute, translate, and otherwise use in any medium any User Content that you forward to Heartland Fidelity Insurance. Heartland Fidelity Insurance is and shall be under no obligation:

  • to maintain any User Content in confidence;
  • to pay compensation for any User Content; or
  • to respond to any User Content.

Heartland Fidelity Insurance has the right but not the obligation to monitor and edit or remove any User Content. You agree that your User Content will not violate any right of any third party, including copyright, trademark, privacy or other personal or proprietary right. You further agree that your User Content will not contain libelous or otherwise unlawful, abusive, or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Heartland Fidelity Insurance or third parties as to the origin of any User Content. You are solely responsible for any User Content you make and its accuracy. Heartland Fidelity Insurance takes no responsibility and assumes no liability for any User Content posted by you or any third party.

  1. Personal Information Submitted Through the Platform

Your submission of personal information through the Platform is governed by our Privacy Policy, which can be found at https://heartlandfidelityinsurance.com/privacy-policy/. This Agreement incorporates by reference the terms and conditions of the Privacy Policy.

  1. Online Conduct

The Platform is intended to be used only for lawful purposes. You are prohibited from posting on or transmitting through the Platform any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, sexually explicit, indecent, scandalous, profane, bigoted or hateful, libelous, racially, ethnically, or otherwise objectionable material of any kind, including but not limited to any material that encourages conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or international law. In addition, you may not engage in any activity on the Platform that restricts or inhibits any other user from using or enjoying the Platform by means of “hacking,” “cracking,” “spoofing,” or disabling or defacing any portion of the Platform.

If Heartland Fidelity Insurance is notified of allegedly defamatory, damaging, illegal, or offensive content provided by a user, Heartland Fidelity Insurance may investigate the allegation and determine, at its sole discretion, whether to remove or request the removal of such content from the Platform. Heartland Fidelity Insurance may disclose any content or electronic communication of any kind: (i) to satisfy any law, regulation, or government request; (ii) if such disclosure is necessary or appropriate to operate the Platform; or (iii) to protect the rights or property of Heartland Fidelity Insurance, its users or third party service providers.

Heartland Fidelity Insurance reserves the right to prohibit conduct, communication, or content that it deems, in its sole discretion, to be harmful to individual users or Heartland Fidelity Insurance; any rights of Heartland Fidelity Insurance or any third party; or to violate any applicable law. Notwithstanding the foregoing, neither Heartland Fidelity Insurance nor its providers can ensure prompt removal of questionable content after online posting. Accordingly, neither Heartland Fidelity Insurance nor its affiliates, nor any of their officers, directors, employees, or agents, nor providers shall assume liability for any action or inaction with respect to conduct, communication, or content on the Platform.

Heartland Fidelity Insurance may terminate your access, or suspend your access to all or part of the Platform, without notice, for any conduct that Heartland Fidelity Insurance, in its sole discretion, believes is in violation of any applicable law or is harmful to the interests of another user, a third-party provider, a service provider, or Heartland Fidelity Insurance.

  1. Prohibited Material

You may not post or transmit through the Platform: advertising or commercial solicitations; software or other materials that contain so-called viruses, worms, time bombs, Trojan horses, or other harmful or disruptive components; political campaign materials; chain letters; mass mailings; spam mail; material protected by copyright, trademark or any other proprietary right; any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, “data mine,” or in any way reproduce or circumvent the navigational structure or presentation of the Platform or the Content; or posts that express or imply that any statements you make are endorsed by Heartland Fidelity Insurance. Additionally, you may not harvest or collect information about Platform visitors without their express consent.

  1. Monitoring

Heartland Fidelity Insurance or its representatives have the right, but not the obligation, to monitor the Content of the Platform to determine compliance with this Agreement. We retain our right to and with our sole discretion, edit, refuse to post or remove any material that we find to be in violation of these conditions or that is otherwise objectionable or offensive. This same discretion applies to our right of disclosure of any material submitted to the Platform and circumstances surrounding its submission to any third party in order to operate the Platform properly and to protect our sponsors, our visitors, and ourselves and to comply with our legal obligations and government requests.

  1. Consent to Electronic Communications and Opting Out

You consent to the receipt of electronic mail from Heartland Fidelity Insurance. You may opt out of future emails about products or services by following instructions contained in an email that you receive from us.

  1. Copyright Complaints

Heartland Fidelity Insurance respects the intellectual property of others. If you believe that your work has been copied in any way that constitutes copyright infringement, please provide the Heartland Fidelity Insurance’s copyright agent the written information specified below:

  • An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
  • A description of the copyrighted work that you claim has been infringed upon;
  • A description where the material that you claim is infringing is located on the Platform;
  • Your address, telephone number, and e-mail address;
  • A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
  • A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

The Heartland Fidelity Insurance Copyright Agent for notice of claims of copyright infringement on the Platform can be reached as follows:
Heartland Fidelity Insurance Company
Attn: Legal Department
1200 Route 46 West
Clifton, NJ 07013

Phone: (202) 434-8354
Email: copyright@Benecard.com.

  1. Third Party Sites

The Platform may contain links to other websites. If you link to another website, you will leave the Platform and this Agreement will not apply to your use of, and activities on, those other websites. We encourage you to read the legal notices posted on those other websites, including their privacy policies. We shall have no responsibility or liability for your visitation to, and the data collection and use practices of, those websites.

You acknowledge and agree that we have no responsibility for the accuracy or availability of information provided by websites to which you may link from the Platform (“Linked Sites”). Links to Linked Sites do not constitute an endorsement by or association with us of such Linked Sites or the content, products, advertising or other materials presented on such Linked Sites. We do not author, edit, or monitor these Linked Sites. You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on such Linked Sites.

  1. Indemnification

You agree to defend, indemnify, and hold harmless Heartland Fidelity Insurance, its affiliates, third party service providers, and their respective directors, officers, employees, owners, licensors, licensees, and agents from and against all claims, damages, losses, costs and expenses, including reasonable attorneys’ fees, arising out of a breach of this Agreement by you and/or your activities in connection with the Platform or any services related to the Platform. We may participate in the defense of any claim. You shall not settle any claim that affects Heartland Fidelity Insurance without our prior written approval.

  1. Disclaimer

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, THE PLATFORM IS PROVIDED BY HEARTLAND FIDELITY INSURANCE ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, HEARTLAND FIDELITY INSURANCE MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE PLATFORM, OR THE INFORMATION, CONTENT, MATERIALS OR PRODUCTS INCLUDED ON THE PLATFORM. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, HEARTLAND FIDELITY INSURANCE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. YOU ACKNOWLEDGE, BY YOUR USE OF THE PLATFORM, THAT YOUR USE OF THE PLATFORM IS AT YOUR SOLE RISK. THIS DISCLAIMER CONSTITUTES AN ESSENTIAL PART OF THIS AGREEMENT. SOME STATES DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE FOREGOING LIMITATIONS MAY NOT APPLY TO YOU.

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, HEARTLAND FIDELITY INSURANCE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THE PLATFORM, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL PUNITIVE AND CONSEQUENTIAL DAMAGES.
TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, HEARTLAND FIDELITY INSURANCE, ITS AFFILIATES, AND AGENTS ASSUME NO RESPONSIBILITY FOR ANY CONSEQUENCE RELATING DIRECTLY OR INDIRECTLY TO ANY ACTION OR INACTION YOU TAKE BASED ON THE CONTENT, INFORMATION OR OTHER MATERIALS LOCATED ON THE PLATFORM.
TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, YOU UNDERSTAND AND AGREE THAT HEARTLAND FIDELITY INSURANCE IS NOT RESPONSIBLE OR LIABLE FOR ANY TRANSACTION BETWEEN YOU AND THIRD PARTY PROVIDERS OF THIRD PARTY APPLICATIONS OR PRODUCTS OR SERVICES ADVERTISED ON OR THROUGH THE PLATFORM. AS WITH ANY PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NO ADVICE OR INFORMATION WHETHER ORAL OR IN WRITING OBTAINED BY YOU FROM HEARTLAND FIDELITY INSURANCE SHALL CREATE ANY WARRANTY ON BEHALF OF HEARTLAND FIDELITY INSURANCE IN THIS REGARD. SOME ASPECTS OF THIS SECTION MAY NOT APPLY IN SOME JURISDICTIONS IF PROHIBITED BY APPLICABLE LAW.
TO THE EXTENT APPLICABLE, NOTHING SET FORTH IN THIS SECTION AFFECTS YOUR STATUTORY RIGHTS AS A CONSUMER.

  1. Limitation of Liability

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL OR EQUITABLE THEORY, WHETHER IN TORT, CONTRACT, STRICT LIABILITY OR OTHERWISE, SHALL HEARTLAND FIDELITY INSURANCE OR ANY OF ITS AFFILIATES, EMPLOYEES, DIRECTORS, OFFICERS, AGENTS, VENDORS OR SUPPLIERS BE LIABLE TO YOU OR TO ANY OTHER PERSON FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL LOSSES OR DAMAGES OF ANY NATURE ARISING OUT OF OR IN CONNECTION WITH THE USE OF OR INABILITY TO USE THE PLATFORM, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOST PROFITS, LOSS OF GOODWILL, LOSS OF DATA, WORK STOPPAGE, ACCURACY OF RESULTS, OR COMPUTER FAILURE OR MALFUNCTION, EVEN IF AN AUTHORIZED REPRESENTATIVE OF HEARTLAND FIDELITY INSURANCE HAS BEEN ADVISED OF OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES. SUBJECT TO THE FOREGOING, IN NO EVENT WILL HEARTLAND FIDELITY INSURANCE BE LIABLE FOR ANY DAMAGES IN EXCESS OF ANY FEES PAID BY YOU IN CONNECTION WITH YOUR USE OF THE PLATFORM DURING THE SIX MONTH PERIOD PRECEDING THE DATE ON WHICH THE CLAIM AROSE.

Nothing in the Agreement removes or limits our liability for fraud, fraudulent misrepresentation, death or personal injury caused by its gross negligence, and, if required by applicable law, negligence. Some aspects of this section may not apply in some jurisdictions if prohibited by applicable law.

  1. Severability

The provisions of this Agreement are intended to be severable. If for any reason any provision of this Agreement shall be held invalid or unenforceable in whole or in part in any jurisdiction, such provision shall, as to such jurisdiction, be ineffective to the extent of such invalidity or unenforceability without in any manner affecting the validity or enforceability thereof in any other jurisdiction or the remaining provisions hereof in any jurisdiction.

  1. Applicable Law

This Agreement is governed by and shall be construed in accordance with the laws of the State of New Jersey, the principal place of business of Heartland Fidelity Insurance, without giving effect to any principles of conflicts of law. You agree to bring any claims against Heartland Fidelity Insuranceexclusively in the courts of Mercer County, New Jersey.

  1. Class Action Waiver

WHERE PERMITTED UNDER THE APPLICABLE LAW, YOU AND HEARTLAND FIDELITY INSURANCE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. Unless both you and HEARTLAND FIDELITY INSURANCE agree, no arbitrator or judge may consolidate more than one person’s claims or otherwise preside over any form of a representative or class proceeding.

  1. Contact us

If you have any questions concerning the Platform or this Agreement, please contact us using the information below.
Heartland Fidelity Insurance Company
Attn: Legal Department
1200 Route 46 West
Clifton, NJ 07013