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    Legal Statement

    WEBSITE USAGE AGREEMENT TERMS AND CONDITIONS

    PLEASE READ THE FOLLOWING TERMS OF USE AND DISCLAIMERS CAREFULLY BEFORE USING THIS WEBSITE. By accessing or using this website, you agree to these terms of use and conditions. If you do not agree to these terms, you may not use this website. Northern Neck Insurance Company (hereinafter “NNIC”) reserves the right to change the terms of use and conditions under which NNIC’s website is offered. You are responsible for regularly reviewing these terms and conditions.

    General Disclaimer

    The information on these pages is intended to be accurate at the time posted. It is for general informational purposes only. Because of the nature of this information, it may not be applicable in your area or current at the time you read it. Before purchasing or selling any insurance product in reliance on this information, please verify applicability. This is not an offer or solicitation to sell insurance, nor is it a representation or guarantee of any specific type or price of a product or service, not all of which are available in every area. Find an agency to see if products are marketed in a specific location. The information on this site may change without prior notice.

    Hyperlinks Are Not Endorsements

    When you activate one or more of the hyperlinks provided in this site, you are leaving the website of NNIC (the “Website”) and entering the website of another organization. These external websites are not maintained by NNIC and contain information created, published or otherwise posted by organizations and entities independent of NNIC. NNIC does not approve, endorse or certify any products, services or information contained on the websites of any other organizations. NNIC is not responsible for the content, accuracy, legality, safety, security, functionality, timeliness, reliability, fitness for any particular purpose, merchantability or privacy of any such website or hyperlink.

    Copyrights and Trademarks; Digital Millennium Copyright Act Notifications

    Copyright © 2025 Northern Neck Insurance Company. All rights reserved. The contents of all material available on the Website are copyrighted by NNIC unless otherwise indicated. All rights are reserved by NNIC, and content may not be reproduced, downloaded, disseminated,

    published, or transferred in any form or by any means, except with the prior written permission of NNIC. Copyright infringement is a violation of federal law subject to criminal and civil penalties. Any brand and product names that appear throughout the Website are trademarks, registered trademarks or service marks of their respective holders. NNIC respects the intellectual property of third parties, and we expect visitors to the Website to do the same. NNIC will investigate notices of alleged infringement of third party copyrighted material and take appropriate action under the DMCA. Such action may include disabling access to portions of the Website which include infringing material or removing such infringing material from the Website altogether.

    If you believe your copyrighted material has been used on the Website in a manner that constitutes copyright infringement, please provide us with the following information:

    1. A description of the copyrighted work you claim has been

    2. The location on our website where the copyrighted work identified in item #1 is Specifically, a complete URL or URLs in the case of multiple works must be provided.

    1. Your name, email address, phone number, mailing address, or any other additional information which will allow us to contact you.

    2. A statement by you that you have a good faith belief that the copyrighted material identified is being used in a manner that is not authorized by the copyright owner, its agent, or the law.

    1. A statement by you, under penalty of perjury, that the notification is accurate, and that you are either the copyright owner or the authorized representative of the copyright

    2. Your physical or electronic signature attests to items #4 and #5.

    Please note that we will not use the personally identifiable information contained in your response to item #3 for any purpose other than to process, investigate, and respond to your DMCA notification. Our Designated Agent for notice of claims of infringement on the Website is accessible through email at: copyright@nnins.com. Please use “DMCA Notification” in the subject of your email.

    Not Legal Advice

    Content contained on or made available through the Website is not intended to and does not constitute legal advice and no attorney-client relationship is formed. The accuracy, completeness, adequacy or currency of the content is not warranted or guaranteed. Your use of information on the Website or materials linked from the Website is at your own risk.

    Errors and Corrections

    NNIC does not represent or warrant that the Website or the content will be error-free, free of viruses or other harmful components, or that defects will be corrected or that it will always be accessible. NNIC does not warrant or represent that the content available on or through the Website will be correct, accurate, timely, or otherwise reliable. NNIC may make improvements and/or changes to its features, functionality, or content at any time.

    Disclaimer of Warranties and Limitation of Liability

    The Website is provided on an "as is” basis. NNIC expressly disclaims all warranties, including the warranties of merchantability, fitness for a particular purpose, and non-infringement.

    Provider disclaims all responsibility for any loss, injury, claim, liability or damage of any kind resulting from, arising out of or any way related to (a) any errors in or omissions from the Website and the content, including but not limited to technical inaccuracies and typographical errors, (b) any third-party websites or content therein directly or indirectly accessed through links in the Website, including but not limited to any errors in or omissions, (c) the unavailability of the website or any portion of it, (d) your use of the Website, or (e) your use of any equipment or software in connection with the Website. NNIC shall not be liable for any loss, injury, claim, liability, or damage of any kind resulting from your use of the Website. The provider shall not be liable for any special, direct, indirect, incidental, punitive, exemplary or consequential damages of any kind whatsoever (including, without limitation, attorneys' fees) in any way due to, resulting from, or arising in connection with the use of or inability to use the Website or the content.

    Internet Communication

    The Internet is an unsecure medium. NNIC does not assume any responsibility for any harm, loss, or damage you may experience or incur by the sending of personal or confidential information over the Internet to or by NNIC or its third-party online service providers. Our Privacy Notice describes measures we take to safeguard your personal information collected on our website.

    Severability

    If any provision of these Terms and Conditions is held invalid, void or unenforceable, that provision will be considered severable from the remaining provisions, and the remaining provisions shall remain in full force and effect.

    SOCIAL MEDIA TERMS OF USE

    Please read these terms of use carefully before using a social media platform sponsored by NNIC. These terms of use are applicable to your use of any social media platform sponsored by NNIC (the “Platform” or “Platforms”) and are in addition to NNIC’s general terms and conditions of our Website. The Platforms not only contain information that NNIC created, but also information that its vendors create and its registered user’s post. By using any Platform, you accept and agree to these Terms. Communications made through a Platform do not constitute an offer or solicitation to sell insurance, nor is it a representation or guarantee of any specific type or price of a product or service, not all of which are available in every area; or legal or official notice to NNIC, or any associate of NNIC, for any purpose.

    Informational Purpose

    Information provided on a Platform is strictly for educational and information purposes only. Information posted on a Platform, whether by NNIC or other users, is nothing more than an exchange of general information and ideas. Under no circumstance is information on any Platform intended to, nor shall it, provide any professional advice, be it risk management, legal or financial, as each situation or circumstance is unique and requires its own analysis and assessment.

    Engagement Guidelines – In General

    While NNIC encourages meaningful exchange of ideas on any social media Platform, we expect users of a Platform to abide by all of the engagement guidelines contained in this section. When using a Platform, you agree to:

    • Be respectful to other

    • Not post someone else’s or your own confidential or private information, including insurance policy or financial information (such as policy number, payment, contact, claim information, account or credit card details or information that identifies or could identify an individual personally);

    • Not post advertising, promotional or other type of solicitation to other authorized users of a Platform, unless in certain areas of a Platform where such posting may be specifically

    • Not take any action that would disrupt or interfere with the normal use of a Platform by other authorized users;

    • Not post material that contains the copyrights, trademarks and other intellectual properties of others, unless you have secured their permission.

    • Not sublicense, transfer or otherwise make available any content on a Platform to any third party for commercial purposes or financial gain or use the content in any other media or in any other location other than as permitted on a Platform.

    • Not post content that is defamatory, insulting, discriminatory, abusive, obscene, profane or demeaning.

    • Not post any audio or visual content that features any individual unless you have such individual’s permission.

    • Not register as or on behalf of anyone else, impersonate anyone else, seek to take on a false identity, or misrepresent yourself, your identity or your age.

    • Not post material or links to a site that contain viruses or malicious software; and

    • Use a Platform only for lawful purposes and not to upload any unlawful content or in any other way use a Platform so as to violate any applicable laws.

    • Don’t do anything that breaks the

    • Be respectful, even if you Name calling, profanity, fighting words, discriminatory epithets, sexual harassment, bullying, threats of violence or the like, will not be tolerated.

    • Stay on Keep the conversation relevant to the community and contribute to the dialogue. We reserve the right to remove off-topic, out of context, spam or promotional postings.

    • Keep it All wall postings should come from a real person and Facebook profile. Postings from fake or anonymous profiles will be deleted when discovered.

    • We reserve the right to remove NNIC-posted content posted to Platforms that violates these Because we operate in a highly regulated industry, we may also, at our discretion, need to refrain from posting comments for a variety of reasons. As such, NNIC must reserve its right to amend or change these guidelines at any time.

    • We monitor this page and may communicate and address conversations as Some of these discussions may require an outside communication avenue. NNIC reserves the right to delete, modify or share content posted by users.

    Engagement Guidelines – Blog

    • The Website, and blog (the “the Blog”) may include links to external websites. These links are provided only to assist users in locating additional information. NNIC is not responsible for any of the content of these external websites. Also, some external links may be to websites that offer commercial services. The inclusion of a link to an external website should not be understood as an endorsement by NNIC of that website or their products or services.

    Engagement Guidelines – Member FAQ

    We would like to answer any questions that you may have that may not be addressed in the FAQ or Website. Please refer to our Website Privacy Notice.

    If you are a Northern Neck Insurance policyholder and want to make any changes to your policy, you must contact your agent. Changes to your policy cannot be made or bound by email or this section of the Website.

    Engagement Guidelines – Start My Quote

    We offer the ability for you to contact an Agent for a quote. If you are using this section of our Website, you should use the following guidelines in addition to the General section above:

    • Only submit information about yourself and other interested parties.

    Third-Party or User Content

    Any party other than NNIC must identify itself when providing content to any Platform. Content posted by users, including but not limited to, bloggers, on a Platform is not reviewed or verified by NNIC for accuracy or completeness and may not represent the opinions or ideals of NNIC.

    NNIC does not warrant the accuracy or completeness of any statements or claims posted; any information displayed, uploaded, downloaded or distributed through a Platform by any user or any other person or entity; and is not responsible for and does not endorse any user provided content. NNIC hereby disclaims responsibility and liability for any content and opinions expressed by others on any Platform including but not limited to, content or opinions regarding any products or services mentioned on a Platform. NNIC hereby disclaims liability for any damages or losses, direct or indirect, that may result from use of or reliance on information contained on a Platform. Posting or re-posting content on any Platform whether by users or NNIC shall not implicitly or explicitly endorse or approve such post.

    Information posted on a Platform is in the public domain. If you post information on a Platform, you do so at your own risk. You are solely responsible for the content that you post. By posting content on a Platform, you warrant that you have permission to post the content on such Platform.

    By providing information or materials to a Platform (other than personal information subject to the NNIC’ s Privacy Policy), you grant to NNIC an unrestricted, irrevocable, worldwide, perpetual, royalty-free license to use, publish, reproduce, display, publicly perform, distribute, transmit and use such information and materials for any purpose, in any manner and in any media, without consideration paid to you, including without limitation, disclosing any such information and materials as necessary to satisfy any law, regulation, or governmental request. NNIC shall not be subject to any obligations of confidentiality regarding any information or materials that you submit except as specified in the NNIC’s Privacy Policy, or as otherwise specifically agreed or required by law. By virtue of your posting, you hereby grant NNIC permission to track your comments as necessary.

    We may monitor the Platforms but we are not obligated to police them. In our sole discretion, we may refuse, move or remove any user content submitted to a Platform and we may terminate, limit, block or suspend any user’s access to all or any part of a Platform at any time and for any reason whatsoever, without notice or liability, including without limitation, your breach to this Agreement. We may also change, suspend or discontinue any aspect of the services provided on a Platform at any time without any notice or liability, including the availability of any feature, blog, database or content.

    Limitation of Liability

    NNIC is not responsible or liable for the conduct of any person who uses a Platform or your reliance on the information from any Platform. Your use of any Platform is at your own risk. NNIC specifically disclaims any liability, whether based in contract, tort, negligence, strict liability or otherwise, for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with access to, use of or reliance on any Platform (even if NNIC or an NNIC representative has been advised of the possibility of such damages) or that arise in connection with mistakes or omissions in, or delays in transmission of, information to or from the user, interruptions in telecommunications connections to a Platform or viruses that may infect your computer equipment or other property, whether caused in whole or in part by negligence, acts of God, telecommunications failure, theft or destruction of, or unauthorized access to a Platform. This limitation of liability may be different in connection with specific products and services offered by NNIC.

    Indemnification

    You agree to indemnify, defend and hold NNIC, its affiliates and subsidiaries, and its and their officers, directors, shareholders, employees, consultants, agents and other representatives harmless from and against any and all claims, damages, losses, demands, liabilities, costs (including reasonable attorneys’ fees) and other expenses that arise directly or indirectly out of or from (a) your breach of this agreement, including any violation of the Terms and Conditions; (b) any allegation that any content or other materials you submit to us or transmit to the Platforms infringe or otherwise violate the copyright, trademark, trade secret or other intellectual property or other rights of any third party; and/or (c) your activities in connection with the Platforms.