Website Terms & Conditions

Updated: August 4^th, 2022

Terms of Use

These terms and conditions govern your use of this website and any others owned and operated by New York Central Mutual Fire Insurance Company and its Affiliates. Your use of this website indicates that you agree to these terms and conditions. These terms and conditions may be updated at any time by our posting new or updated terms and conditions to our website.

Disclaimer

All information on this website is for informational purposes ONLY and should not be construed as advice for specific insurance products, services, or coverages, nor should it be relied upon as legal, personal, professional, or individualized advice. For information about a specific insurance policy or coverage, please refer to your policy terms, or ask your insurance agent.

ALL INFORMATION ON THIS WEBSITE IS PRESENTED "AS IS" WITH NO REPRESENTATIONS OR GUARANTEES. NEW YORK CENTRAL MUTUAL FIRE INSURANCE COMPANY AND ITS AFFILIATES DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, AND FURTHER DISCLAIMS ANY LIABILITY FOR ERRORS OR OMISSIONS THAT MAY APPEAR ON THIS WEBSITE.

To the fullest extent provided by law, New York Central Mutual Fire Insurance Company and its Affiliates shall not be liable to you whatsoever for any alleged damage, under any theory of liability, for your use of or reliance upon this website.

Links to external websites may appear on this website. You click, follow, or visit linked external websites at your own risk. New York Central Mutual Fire Insurance Company and its Affiliates do not control linked external websites and neither endorse nor assume responsibility for their content.

Copyright & Trademarks

All content on this website is copyright of New York Central Mutual Fire Insurance Company and its Affiliates, unless specifically stated otherwise. All trademarks, trade names, or logos used on this website are the property of New York Central Mutual Fire Insurance Company and its Affiliates, unless specifically stated otherwise.

TWITTER, TWEET, RETWEET, and the Twitter logos are trademarks of Twitter, Inc. or its affiliates.

LinkedIn, the LinkedIn logo, the IN logo and InMail are registered trademarks or trademarks of LinkedIn Corporation and its affiliates in the United States and/or other countries.

You are not granted right or title to anything contained on this website, and you shall not use, utilize, or reproduce anything contained on this website without the express written consent of New York Central Mutual Fire Insurance Company and its Affiliates.

In the event you believe copyright protected material has been used without authorization on this website or any others owned and operated by New York Central Mutual Fire Insurance Company and its Affiliates, please contact our designated agent identifying the infringing material by mail at: Brand Management Team, ATTN: Designated Agent - Copyright 1899 Central Plaza East Edmeston, NY 13335; by phone at 800-234-6926; or by email at media@nycm.com.

Privacy

New York Central Mutual Fire Insurance Company and its Affiliates values your privacy. Please refer to our Privacy Policy, incorporated by reference, for more information.

Text Message (SMS) Terms of Use

NYCM Insurance offers text messaging through its short code program (program: NYCM Insurance, short code: 607607) to provide important information to customers, including but not limited to information about billing and claims status.

Your wireless carrier's message and data rates may apply to your entry or submission message, our confirmation and all subsequent SMS correspondence. NYCM Insurance does not charge for any content; however, downloadable content may incur additional charges from your wireless carrier. Please contact your wireless carrier for information about your messaging plan. Your carrier may impose message or charge limitations on your account that are outside of our control. All charges are billed by and payable to your wireless carrier.

By subscribing, you consent to receiving text messages from us which may include offers from us at a variable frequency.

You may opt-out of receiving text messages from NYCM Insurance by texting STOP to 607607. For additional information or assistance, you may text HELP to 607607, or contact NYCM Insurance customer service by phone at 800-234-6926 or by email at customerservice@nycm.com.

You represent that you are the owner, or authorized user of the wireless device you use to subscribe to the service, and that you are authorized to approve the applicable charges.

We will not be liable for any delays or failures in your receipt of any SMS messages as delivery is subject to effective transmission from your network operator and processing by your mobile device. Wireless carriers are not liable for delayed or undelivered messages. SMS message services are provided on an AS IS, AS AVAILABLE basis.

Data obtained from you in connection with this SMS service may include your mobile phone number, your carrier's name, and the date, time and content of your messages and other information that you may provide. We may use this information to contact you and to provide the services you request from us, and to otherwise operate, develop and improve the service. Your wireless carrier and other service providers may also collect data from your SMS usage, and their practices are governed by their own policies. We will only use the information you provide to the service to transmit your text message or as otherwise described in this document. Nonetheless, we reserve the right at all times to disclose any information as necessary to satisfy any law, regulation or governmental request, to avoid liability, or to protect our rights or property. When you complete forms online or otherwise provide us information in connection with the service, you agree to provide accurate, complete, and true information.

The service as well as the content and materials received through the service are proprietary to us and our licensors, and is for your personal, non-commercial use only. You shall not damage, impair, interfere with or disrupt the service or its functionality.

The service is available only in the United States.

NYCM Insurance values your privacy. Please refer to our Privacy Policy for more information.

Privacy Policy

NYCM Insurance respects your right of privacy. In order to provide you and your family with appropriate insurance coverages and to protect the interest of NYCM Insurance, we must collect information about you. The protection and appropriate use of the information we gather is taken seriously. The information below describes NYCM Insurance's privacy practices.

Nonpublic Personal Financial Information Collected

We collect nonpublic personal financial information about you from the following sources:

• Information we receive from you on applications and/or other forms;
• Information about your transactions with us, our affiliates or others; and
• Information we receive from consumer reporting agencies.

Sharing Information Gathered

We do not disclose any nonpublic personal financial information about our customers or former customers to anyone, except as permitted by law. For example, we are permitted to disclose information to persons and entities including:

• independent insurance agents who represent our companies or brokers;
• governmental authorities;
• insurance support organizations;
• adjusters, appraisers, or our attorneys;
• lienholders and mortgagees;
• medical care institutions and medical professionals;
• other insurance companies as it relates to your policy or claim; and
• affiliated third parties.

We may disclose information we receive from you on applications or other forms, such as your name and address, to companies performing marketing services on our behalf.

Data obtained through the short code program will not be shared with any third-parties for their marketing reasons/purposes.

Privacy Policies and Procedures

We restrict access to nonpublic personal financial information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with Federal and State regulations to guard your nonpublic personal financial information.

In Conclusion

Your privacy is a right and NYCM Insurance respects that right. We comply with all State and Federal laws and regulations that protect your right of privacy. We use nonpublic personal financial information only as needed to conduct our business. We are privileged to have you as a customer and appreciate your business.

NYCM Insurance's privacy practices apply to the following companies: