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mySHIELD Terms and Conditions

Introduction
Use of Website
Access Code for mySHIELD
Privacy Policy
E-Mail
Information You Submit
Copyrights/Trademarks
Links and Third Party Sites
No Professional Advice
Social Media Terms of Use
Disclaimer of Warranties
Governing Law and Severability Provisions
Termination
Changes to this Document
Limit of Liability
Indemnity
Additional Information about Federated Mutual Insurance Company
Security
Additional Terms

Introduction

This document outlines the terms and conditions that govern your use of the information, materials, resources, links, services, and mobile applications ("mobile apps") made available from time to time, found at myshield.federatedinsurance.com or the Federated mySHIELD mobile application (collectively, the "website," "site," or “mySHIELD”) and provides additional information regarding Federated Mutual Insurance Company, its affiliates, and subsidiaries ("Federated," "We," "Our"). Your use of mySHIELD is conditioned upon acceptance of these Terms and Conditions.  For clarity, these Terms and Conditions apply only to mySHIELD and the Terms and Conditions on federatedinsurance.com shall be separate, governing only the use of federatedinsurance.com.  If you do not agree to the terms below, please do not use this website or send e-mail to anyone at Federated. You agree to regularly review these terms and conditions and agree that continued use of this website following any changes will constitute acceptance of such changes.

For users of the website who are only accessing public information, your use of the website shall be deemed acceptance of these Terms and Conditions. Users are required to enroll in order to gain access to mySHIELD. When you complete your registration, you agreed to these Terms and Conditions.  Your continued use of mySHIELD shall constitute acceptance to any changes to these Terms and Conditions.    

For personal lines clients, by self-registering, you agree that you are the account holder or are authorized by the account holder to access information related to the account. 

For commercial clients, prospective users will be invited to register for mySHIELD by either Federated or a client’s mySHIELD Administrator.  While a client’s mySHIELD Administrator will initially be identified as the client’s owner and/or officer, an existing Administrator can add/revise the identified Administrators. Administrators are responsible for inviting users to register and assigning and/or confirming access permissions for registered users.  Where an Administrator is either not identified or not available to invite a prospective user, Federated maintains a process to respond to and authenticate requests from a prospective user to gain access to mySHIELD or portions thereof.  If a prospective user qualifies under such process to obtain access to mySHIELD, Federated provides email notification of the requested access and decisions on such requests to the client’s Administrator, or if none, a client owner, officer, or primary Federated contact.  If no changes are requested within two business days, the access granted under such process is deemed confirmed by the client’s Administrator or, if none, by its owner, officer, or primary Federated contact.   

The Administrator or, if none, the client’s owner, officer or primary Federated contact, is responsible for ensuring the individuals assigned to a particular functionality are authorized to view the information therein.  Federated assumes no liability for an enrolled user’s unauthorized access to information and/or functionality available to such enrolled user pursuant to permissions confirmed or assigned by the Administrator.  Further, the Administrator is responsible for periodically reviewing and updating the permissions granted to information and/or functionality for each enrolled user.  

Federated reserves the right, in its sole discretion, to modify without prior notice: 1) this website, including the content and design of this site, 2) the functionality, services, materials and mobile apps provided on this website, and 3) these Terms and Conditions. Your continued use of the site is acceptance of any changes to the Terms and Conditions.

Use of Website

Federated owns and operates this site and provides the functionality, services, and information located on mySHIELD for use by an enrolled user. This site is directed to Federated clients, both persons and entities, and their authorized employees and business advisors conducting business in the United States. It is not directed at individuals under 18 years of age or any person or entity for whom our services or products are unavailable, or are otherwise contrary to laws or regulations, whether due to nationality, citizenship, residence, location, or otherwise. We do not warrant or represent that the content or materials contained in this site are available or appropriate outside of the United States.

You may not use this site to conduct illegal activity, including defamatory, libelous, malicious, or harassing behavior. You agree not to use the site, or any links or mobile apps included in this site, to: (a) transmit any material that infringes or misappropriates any third party's copyright, trademark, trade secret, patent or other proprietary rights; (b) transmit any material that is false, inaccurate, fraudulent, or misleading, (c) distribute computer viruses, worms, or software intended to damage or alter a computer system without Federated’s consent, (d) transmit any private, unlawful, harmful, defamatory, pornographic, obscene, vulgar, threatening, harassing or otherwise objectionable material, (e) send or relay any unsolicited advertising or chain letters, (f) exceed your permitted access or attempt to gain unauthorized access to the website, link, or mobile apps, or any part thereof, or other accounts, computer systems or networks, through login password mining or any other means, (g) resell use of, or access to, the site to any third party without Federated's prior written consent, or (h) to upload or distribute documents or other information which you are not authorized to upload or distribute. Federated reserves the right to terminate your access to the website, at any time without notice if we determine, in our sole discretion, that you have abused or violated any of these Terms and Conditions. You agree that the information you provide will be accurate and truthful.

Except as otherwise provided, you may view, use, download, or print small portions of the risk management content on the website for your informational and internal business use in connection with managing the risk of your business provided you leave all copyright and other proprietary notices intact. You may not store, modify, reproduce, republish, transmit, reverse engineer, or distribute significant portions of the risk management or other content of this website, or the design or layout thereof, except as otherwise provided.

Federated provides enrolled users with functionality and services related to the ongoing management of their insurance policies through mySHIELD such as, but not limited to: viewing and requesting auto identification cards, viewing and requesting certificates of insurance, tools to manage a drivers’ list, viewing loss information, viewing invoices, viewing payment information, making payments, reporting a claim, and completing premium audits (collectively, “Policy Management Services”).  Client Administrators confirm and/or assign access to the Policy Management Services for enrolled users (“Authorized Users”).  Where an Administrator is either not identified or not available to assign access to Policy Management Services, Federated maintains a process to respond to and authenticate requests to gain access to the Policy Management Services or portions thereof.  If the requestor qualifies under such process to obtain access to the Policy Management Services, Federated provides email notification of the requested access and decisions on such requests to the client’s Administrator, or if none, a client owner, officer, or primary Federated contact.  If no changes are requested within two business days, the access granted under such process is deemed confirmed by the client’s Administrator or, if none, by its owner, officer, or primary Federated contact.  Client Administrators acknowledge and agree that they will maintain policies and procedures or otherwise provide guidance to its Authorized Users on permitted uses, storage, reproduction, transmission, and disclosure of information available through the Policy Management Services.  By accessing these Policy Management Services, enrolled users acknowledge that they may contain proprietary and/or confidential information, including, but not limited to the personal information of another individual.  Enrolled users hereby agree to maintain the confidentiality and security of the confidential and proprietary information available to them through the use of the Policy Management Services and to use such information according to applicable laws and regulations, the policies and procedures of their business or other guidance provided by the Administrator for the enrolled user’s account.  Once material is stored, reproduced, transmitted or distributed by an enrolled user outside of mySHIELD, Federated assumes no liability for any misuse or unauthorized disclosure of such information.    

Unauthorized access to or use of the Policy Management Services is prohibited.  Actual or attempted unauthorized use of or access to the Policy Management Services may result in criminal and/or civil prosecution.  Where a prospective user has requested access to mySHIELD, such prospective user is agreeing that it is authorized to access the information to which (s)he has requested access.  Following the Administrator’s assignment or confirmation of access to Policy Management Services for an enrolled user, Administrator is solely responsible for ensuring access by its Authorized Users to the Policy Management Services is appropriate given the nature of the information contained therein, the client’s business policies, and applicable law.  Federated assumes no liability in the event an Administrator’s confirmed and/or assigned permissions are inappropriate or otherwise violate any applicable law or business policy. 

Enrolled users may elect to report an insurance claim online where available.  Your submission does not commit Federated to coverage for this loss.  Information you submit regarding your insurance policy and the loss is subject to review and verification.  Federated reserves the right to request additional information prior to reaching a decision on the claim.  A claim representative will be communicating with you regarding your claim.  All policy provisions contained in your policy remain in effect.  If you have any general coverage or policy questions, please contact your Federated Marketing Representative.  For any question regarding your submitted claims, please contact your Federated Claims Representative. 

This website provides general information about Federated's products and services, and, on occasion, services of third parties that may be of interest to you. This information is not an offer to sell insurance or a solicitation to buy. The materials and information are not a complete description of the terms and conditions of a particular product or service. All products and services may not be available in all states.  Federated provides this information with the understanding that neither Federated nor its employees provide legal or other expert advice. Federated does not intend to provide information on this website to suit your specific circumstances and needs. Please contact a Federated Marketing Representative to further discuss your needs.

We take measures to provide you with accurate information. If you believe that any personal information we have about you is not accurate, please contact Federated Insurance via e-mail or phone: 1-800-533-0472 or 1-507-455-5200 between 7:00 a.m. to 4:30 p.m., Central Standard Time, Monday through Friday. Any questions regarding the use of this site should be directed to the same.

Access Code for mySHIELD

In connection with an enrolled user’s use of mySHIELD, Federated may send you a unique access code or other token to confirm your identity when logging into your mySHIELD account.  This access code or token may be delivered by e-mail or, upon your request, by SMS text message.  If you choose to receive such access codes or tokens by SMS text message, you are responsible for updating your account with any changes to your wireless number.  Some wireless service providers charge additional fees for sending and receiving text messages.  You are responsible for any charges or fees that your wireless service provider may charge. 

Privacy Policy

Federated's Privacy Policy and Notice of Privacy Practices may be viewed online. Federated is committed to abiding by all laws regarding privacy and consumers' privacy interests. If you are a policyholder entitled to notice of our privacy policies, such notice is provided in connection with the insurance policy issued to you. The privacy notice and/or privacy policy provided in your insurance policy is in addition to the online Privacy Policy. Changes to the online Privacy Policy may be made at any time as provided above.

If you have any specific questions about your rights or about this notice, you may contact us at:

  • Phone TOLL-FREE: 1-800-533-0472 and ask to speak to the Privacy Official
  • Postal Address: 

Federated Mutual Insurance Company
Attn:  Privacy Official – Legal
121 East Park Square
Owatonna, MN 55060

E-Mail

E-mail submissions over the Internet may not be secure and are subject to possible interception by third parties. Consider this as you transmit messages over the Internet. You are not authorized to submit or transmit e-mails through the Web site that: 1) are numerous, unsolicited, or commercial, 2) are defamatory, threatening, obscene, or harassing, 3) contain a virus, worm, Trojan horse, or other harmful component, 4) incorporate copyrighted or other proprietary material for which you do not have permission, or 5) violate other applicable laws.

Information You Submit

We use the information you submit to Federated by e-mail, through our website, mySHIELD, and other pages we may add periodically, to respond to your inquiries for information and services. Our use of this information is subject to our Privacy Policy and Notice of Privacy Practices. However, Federated reserves the right to disclose information it determines, in its sole discretion, to be necessary to satisfy any law, regulation, or governmental request or to avoid liability for Federated or any third party.

You agree to provide current, true, accurate information in connection with your use of mySHIELD. You agree to not use a false or misleading name for which you are not authorized.

You agree that any and all suggestions, comments and feedback that you submit to Federated related to mySHIELD or other Federated products and services (“Feedback”) shall be deemed non-confidential, except as otherwise specifically agreed or required by law.  Feedback may include, but shall not be limited to, ideas for new or improved products or services, concepts, knowhow, techniques, or functionality.  Federated shall be free to use any Feedback without restriction or payment to you of any kind.  

Copyrights/Trademarks

The Federated "shield" logo, the terms Federated®, Federated Insurance®, mySHIELDSM and phrases such as It's Our Business to Protect Yours®, among others, as well as all logos and graphics using Federated's name are the intellectual property of Federated and/or are registered trademarks of Federated. Federated's logo and marks may not be used without express written permission.

Except as otherwise noted, all materials on this website, including text, graphics, design, layout, audio, and video are the property of Federated or are used with permission of third party licensors and are protected by copyright or other intellectual property laws. Except as provided above in the section "Use of Website," you may not use, reproduce, transmit, or distribute any of the information or material on any other site, in the metatags of any other site, or in any other material. You are not permitted to modify, create derivative works, distribute, or otherwise use any material within this website, except as provided herein.

Links and Third-Party Sites

Through mySHIELD, Federated provides links to other sites and mobile apps via this website for your general information as well as potential services available to you from Federated and other third parties.  The linked information and services provided are intended to be general risk management advice. Federated provides its clients and their employees and business advisors with access to this information and services with the understanding that neither Federated nor its employees provide legal, tax, safety, employment or other expert advice. The information and services provided by some of those third party services may be subject to, and is not a substitute for, any foreign, federal, state or local laws, regulations and other restrictions that may apply to your business.  Qualified counsel should be sought with questions specific to your circumstances and applicable law. 

Because third party websites and/or applications, including mobile apps, are not under our control, Federated cannot confirm, verify, guarantee or edit the content of any third party website or application. Any third party website or application is subject to the terms and conditions of the relevant third party provider. Please refer to the third party’s terms of use, privacy policies, and other rules posted on these third party linked sites before you use them. All services obtained by you through these third party websites or providers are provided for your convenience only and are not an approval or endorsement of the company, products or services to which this website links. Federated does not control and is not responsible for these sites, the accuracy of the content, or the privacy or security of the sites. You are encouraged to conduct your own evaluation of the appropriateness, applicability and usefulness of the third party website or mobile app. Qualified professional advisors should be sought regarding questions specific to your circumstances. Your access to and use of any other websites linked to or from the Federated website is at your own risk and we assume no obligation or liability in connection therewith. We may disable a link at any time.

FEDERATED DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, TO ANY SUCH LINKED SITES OR THEIR SERVICES, INCLUDING BUT NOT LIMITED TO, ANY TERMS AS TO THE ACCURACY, OWNERSHIP, VALIDITY, OR LEGALITY OF ANY CONTENT OF A LINKED SITE OR MOBILE APP.

You agree to contact Federated at federatedinsurance.com to advise us that you are linking to our website. You may not place Federated's pages in a frame on your own site. Nor may you attempt to pass off Federated's content as your own. If you wish to republish a major portion of any Federated content, contact Federated at federatedinsurance.com to obtain permission.

No Professional Advice

The risk management content contained in mySHIELD is for general information and risk management only and should not be considered legal or other expert advice.  The information and recommendations therein may help reduce, but are not guaranteed to eliminate any or all risk of loss.  Any sample checklists, policies, and/or forms are not intended to cover or identify all possible risk exposures and, since each business situation is unique, should be edited to meet your specialized circumstances and needs.  Coverage for actual claims will be determined by the facts of the claim and the terms of your policy, if approved for issue.  The information and recommendations in mySHIELD may be subject to, and are not a substitute for, any rules or regulations that may apply.  Any definitions provided in mySHIELD are for general information only and the terms of your policy, applicable law or regulation, or Federated policy or procedure will govern.  While the information in mySHIELD is believed to be accurate as of the time it is posted, all information is subject to change.  Further, Federated does not warrant the accuracy or completeness of the information in mySHIELD.  Some of the information, products, and services referenced in mySHIELD are provided by third parties wholly independent of Federated.  Federated provides its clients and their employees and business advisors with access to these products and services with the understanding that neither Federated nor its employees provide legal or other expert advice.  Qualified counsel should be sought with questions specific to your circumstances.   

Social Media Terms of Use

Read our Social Media Terms of Use, which sets out our terms for your use of Federated’s social media sites, which currently spans Federated’s Facebook, Twitter, and LinkedIn.

Disclaimer of Warranties

This website and its content, including services (including third party services), materials, information, and tools are provided to you "as is" without any warranty of any kind, express or implied, including, without limitation, the implied warranties of merchantability, accuracy, systems integration, non-infringement, and fitness for a particular purpose. Federated makes no warranty as to the accuracy, completeness, currency, or reliability of the content of this or any linked site. Nor will Federated be liable for delay in updating the website. We do not warrant that the website will operate error-free or uninterrupted. Any risk arising from the use or performance of the services, information, materials, software, or other items remains entirely with you, and Federated shall not be liable for any damages arising from your use of the website.

Governing Law and Severability Provisions

This website, and any action arising hereunder or related to use of this website, is governed by the laws of the State of Minnesota without giving effect to any principles of conflict of laws.  Any legal action arising hereunder or related to use of this website must be filed in the State of Minnesota.  If any provision of this agreement shall be held invalid, illegal, or unenforceable, such invalidity, illegality, or unenforceability shall not affect the validity of the remaining provisions which shall remain intact and enforceable.

Termination

Federated reserves the right to terminate the right of any user to access the website at any time, with or without cause, and without notice.

Changes to this Document

The content of this website and these Terms and Conditions or other policies that govern the use of this website are subject to change without notice including termination of the services or any part of the service. You should review these Terms and Conditions periodically for changes. If you use the site after we post changes to the Terms and Conditions, you agree to the changed Terms and Conditions.

Limit of Liability

To the extent permitted by law, Federated disclaims liability, whether based in contract, tort, negligence, strict liability, or otherwise, for damages of any kind (including, but not limited to, direct, indirect, incidental, consequential, special, punitive, or exemplary damages) in any way arising out of functionality or use of this website or its products, risk management materials, services, or any other link we provide to another site even if Federated is expressly advised of the possibility of such damages.

We will not be liable for any delay, difficulty in use, incompleteness of information, computer viruses, malicious code, loss of data, or compatibility issues that you may encounter while using this website. You use this website at your own risk. You assume full responsibility for using this site, which is provided without warranty of any kind, express or implied.

In the event the foregoing or any portion thereof is deemed unenforceable, Federated's aggregate liability for any cause of action arising out of or related to the use of the website shall be limited to direct damages actually incurred up to $300.00. Since some states do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.

Indemnity

You agree to indemnify, defend, and hold Federated harmless, and at our request, to defend us from and against all claims, demands, causes of action based upon or arising out of: 1) your use of mySHIELD and the content therein, 2) your violation of these Terms and Conditions, 3) the infringement, by you or anyone using your password, of the intellectual property rights of any person or entity, and 4) your use of third party websites or mobile apps that may be linked to the Federated website.

Additional Information about Federated Mutual Insurance Company

Federated conducts business in most states of the United States of America. Its Home Office is located at 121 East Park Square, Owatonna, Minnesota 55060.

Not all products and services are available in all states. You may not be eligible for all products, and Federated reserves the right to determine your eligibility as permitted by law. Some products and services may be subject to specific terms and conditions. See the relevant portions of this website and federatedinsurance.com for further information on specific products and services.

The Federated Insurance Companies are domiciled in the State of Minnesota and are licensed as follows:

  • Federated Mutual Insurance Company, licensed in all states and the District of Columbia, except Hawaii, NAIC Code 13935.
  • Federated Life Insurance Company, licensed in all states except Alaska and Hawaii, NAIC Code 63258.
  • Federated Service Insurance Company, licensed in all states and the District of Columbia except Hawaii, New Hampshire (license pending), New Jersey (license pending), and Vermont, NAIC Code 28304.
  • Federated Reserve Insurance Company, licensed in all states except California, Hawaii, and Vermont, NAIC Code 16024.
  • Granite Re, Inc. (Granite Re, Inc. operates in California as Granite Surety Insurance Company), licensed in all states and the District of Columbia except Alaska, Hawaii and New York, NAIC Code 26310.

 

Security

Enrolled users of mySHIELD are responsible for maintaining the security/confidentiality of their login credentials.  You are responsible for all use of your account when accessed using your login credentials.  Do not share your password with anyone.  If you know or suspect that your password has been compromised, change your password immediately.  If you suspect any unauthorized activity related to your account, you should contact Federated.  Federated will not assume liability if you do not properly secure your password or if you choose to share your password with anyone else.  In order to help protect your account and the information therein, Federated encourages you to change your password every six months and avoid using the same password across multiple sites. 

You also agree not to introduce a computer virus into this site or to do anything else that would damage this site. Unauthorized use of mySHIELD or any portion thereof is prohibited. Actual or attempted unauthorized use of or access to mySHIELD or any portion thereof may result in criminal and/or civil prosecution. All access to this website may be viewed, monitored, and recorded. This information may be used, among other things, in the investigation of unlawful behavior using the mySHIELD website and you release Federated from all liability related to its monitoring activities of the mySHIELD website. If you do not consent to this monitoring, you should not use or attempt to access this website.

As an additional security measure, where there has been no activity for any of a client’s enrolled users for fourteen months, all users for that client will be deactivated.  If no requests for reactivation are received after two years following deactivation, those users’ accounts will be deleted.  

Additional Terms

Federated operates and controls this website in the State of Minnesota.  No failure to exercise and no delay in exercising, by Federated, any right, power or privilege hereunder shall operate as a waiver, except as expressly provided herein. Any waiver by Federated of a breach of any provision of these Terms and Conditions shall not be deemed to be a waiver of any other or subsequent breach and shall not be construed to be a modification of the Terms and Conditions unless and until agreed to in writing by Federated.  These Terms and Conditions and the other policies and terms posted on this website set forth the entire agreement between you and Federated on this subject matter. Notwithstanding the foregoing, these Terms and Conditions apply to your use of this website and do not change or alter any other contract or agreement between you and Federated or any other terms applicable to other websites owned or operated by Federated. These Terms and Conditions are effective August 31, 2020.