PEMCO Mutual Insurance Company or one or more of its subsidiaries or affiliates (collectively, “PEMCO”) offers online sites on
the World Wide Web (the “Sites”) that can provide you access to a variety of services such as personal accounts, product
information, self-help tools, and mobile applications(s) for smartphones (“App” or “Apps”) (collectively, the “Services”).
These Terms and Conditions of Use as amended from time to time (“Terms and Conditions”) govern your access to and use of PEMCO
Sites and Services. By accessing or using our Sites or Services, or by your “click-through” agreement to our Terms and
Conditions on a PEMCO Site, you agree to be bound by these Terms and Conditions as well as any other requirements that may
specifically apply to a PEMCO Site. These Terms and Conditions are in addition to any other agreement you may have with PEMCO
for other products or services. THIS AGREEMENT CONTAINS DISCLAIMERS AND OTHER PROVISIONS THAT LIMIT OUR LIABILITY TO YOU.
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY.
These Terms and Conditions may be revised at any time and at our sole discretion. If they are revised, your continued use of
the Sites or Services constitutes your agreement to those revisions. You are encouraged to check the Terms and Conditions
frequently and to read them carefully to inform yourself of any changes, which shall be effective upon posting. IF YOU DO NOT
AGREE WITH ANY PART OF THESE TERMS AND CONDITIONS, YOU MUST NOT USE THE SITES OR SERVICES.
You agree your use of the Sites will be only for your personal, noncommercial use unless you and PEMCO agree otherwise in
writing. As a condition of your use of the Sites, you warrant that you will not use the Sites for any purpose that is
unlawful or prohibited by these Terms and Conditions. You may not use the Sites in any manner that could damage, overburden,
or disable any PEMCO software or equipment. Framing any Site content is prohibited.
You may not use any means of systematic retrieval of data or other content from the Sites. Obtaining or attempting to obtain
any materials or information through means not intentionally made available or provided for through PEMCO Sites is prohibited.
We may suspend or stop providing our Services to you if you do not comply with the Terms and Conditions or other applicable
requirements or if we are investigating suspected misconduct.
Third Party Links
PEMCO Sites may contain links that it has authorized to or from other websites. These links are offered for convenience and
informational purposes only. We do not review or maintain any of these third party websites. We assume no responsibility for
the content of any linked site, or any link contained within a linked site, that is not under our control. Nor does a link to
those sites constitute an endorsement or adoption of any information or views expressed in them or of any products or services
offered through them. PEMCO makes no warranties or representations regarding such other websites and accepts no responsibility
for their content, accuracy, quality, nature, reliability or other aspects. PEMCO does not control the privacy or security
practices of third parties. You should review the policies and practices of other parties whose websites you access, including
their privacy, security, and data handling policies, all of which may differ from ours.
Your PEMCO Account
To utilize some Sites and Services, you may be required to complete a registration process and establish an account with
PEMCO ("PEMCO Account"). As a registered user of the Sites and Services, you may receive or establish one or more passwords.
You are solely responsible for maintaining the confidentiality and security of your password(s) and PEMCO Account(s).
You understand and agree that you are fully responsible for all actions and postings made from your PEMCO Account(s), and
you are solely responsible for all instructions and information entered through or electronically transmitted to us using
your PEMCO Account User ID and Password. PEMCO is not liable for any unauthorized access to your personal information that
is not the result of negligence or intentional misconduct on our part.
Any account you create is not transferrable. You agree to notify PEMCO immediately if you become aware of any unauthorized
use of your PEMCO Account(s). You represent and warrant that all information you provide to PEMCO is current, accurate, and
complete, and that you will maintain the accuracy and completeness of this information on a timely basis. You grant
permission to PEMCO to act on instructions received under your User ID and password.
PEMCO reserves the right to disable or block access to your PEMCO Account(s) if we believe your User ID and password are
being used by someone other than you, if any unauthorized access to your personal information has occurred, or for any
Terms and Conditions of Electronic Delivery of Documents
When you have an online self-service account, you have the option to receive some or all of your PEMCO bills and policy
documents electronically instead of by U.S. Mail . After you log into your account you’ll see an option to “Manage my
paperless choices.” You can choose to go “paperless” for items like your bill, our privacy notice, and your policy
documents. Even when you choose “paperless,” we’ll continue to send you certain documents in paper format because of
technological constraints, or as required by law. We reserve the right to update the type of documents you receive
electronically at any time, so new choices may be presented in the future.
By choosing to receive your documents “paperless,” you Consent to electronic delivery of your documents either to your
self-service account or, in some cases, via email. You also accept responsibility to make sure your email address is up to
date and that your operating system is 1) capable of connecting to the Internet with a browser that supports HTML 4.0 and
change the system requirements, we’ll notify you of any changes.
Once you Consent to “paperless,” we’ll send you an email confirming you’ve signed up for “paperless.” After you go
“paperless,” every time new documents are loaded to your self-service account, we’ll send you an email to the address
associated with your self-service account. The email will contain a link to PEMCO’s website and you’ll be required to log
into your account to view the documents. Your documents are considered delivered once we notify you the documents are ready
to view in your self-service account, or once they’re emailed to you.
We continue to reserve the right to deliver any and all documents via paper even if you’ve given Consent for electronic
delivery. We may choose to send paper documents if our online system fails, if we suspect fraud, or if for any reason your
email address won’t accept emails from us.
We’ll continue to deliver all documents electronically until you notify us that you want to change your delivery preference.
You may do that at any time by logging into your account and changing your “paperless” preferences, or by calling us at
1-800-467-3626. You also may request a free paper copy of any of your documents at any time by calling us.
If an email is returned to us as undeliverable, we’ll notify you via U.S. Mail that your email address was undeliverable
and that you have new documents available in your online account. We will continue to mail these notices each time new
documents are available until we have a corrected, valid email address for you.
Your electronic consent to the Terms and Conditions of electronic delivery is legally binding, and all documents delivered
either electronically or by U.S. Mail are considered to be “in writing.” Any transactions made to your account (whether by
your or someone else) or electronic disclosures concerning your account, are governed by this Consent.
We’re not responsible for your failure to comply; your failure to access, download, save, or print your documents; any
technical failure or other problems with your equipment, or any delay in transmission; or any occurrence beyond our
By agreeing to the Terms and Conditions and clicking the Submit button , you agree that you’ve read, understood, and
consented to the terms of “paperless” delivery of documents in accordance with these terms. If you do not agree, do not
enroll in “paperless” delivery.
Trademarks, Copyright and other Intellectual Property; Content on PEMCO Sites
Intellectual property is protected by copyrights, trademarks, service marks, international treaties or other proprietary
rights and laws of the United States and other countries. You agree to abide by all applicable proprietary rights and laws
as well as any additional trademark or copyright notices or restrictions contained in these Terms and Conditions. The Terms
and Conditions and your use of our Sites and Services give you no right, title, or interest in PEMCO’s intellectual property,
and they create no relationship between you and PEMCO.
Trademarks, service marks, trade names, tag lines or slogans, logos, trade dress, and other identifiers (“Marks”) on PEMCO
Sites are the intellectual property of PEMCO unless otherwise indicated. Except as expressly provided in these Terms and
Conditions, all rights to PEMCO’s intellectual property are reserved, and you are prohibited from using any Marks for any
purpose including but not limited to commercial or public use, use on other materials, as domain names, or as metatags,
without PEMCO’s written permission.
If you are permitted and choose to submit your own content to a PEMCO Site, including but not limited to comments,
questions, suggestions, ideas, plans, creative materials such as your own Northwest Profile image, and Personal Account
Profiles as described below (collectively, “User Content”), you thereby agree to grant PEMCO a non-exclusive, irrevocable,
worldwide, perpetual, unlimited, assignable, sub-licensable, royalty free right and license to use, host, copy, store,
modify, adapt, publish, create derivative works of, improve, distribute, remove, retain, add, and analyze the User Content
(in whole or in part) for any purpose, commercial or otherwise, through any media, without acknowledgement or compensation
to you. You retain ownership of any intellectual property rights you hold in the User Content you submit. You agree that
connection with your User Content.
The rights you grant in this license continue even if you stop using our Sites or Services and we have no further
obligation to you. By submitting your User Content, you represent and warrant that you own or otherwise control all rights
to your User Content including, but not limited to, all the applicable copyrights, rights to privacy, right of publicity,
and personal property rights necessary for you to provide, post, upload, input or submit your User Content to us under these
Terms and Conditions. You understand and acknowledge that the User Content you submit will, at a minimum, be viewable by
our employees, contractors, and other service providers.
If you are permitted and choose to submit or otherwise transfer your User Content for public posting to a PEMCO Site, or
through a PEMCO Site to other public display (such as posting to your Facebook or Twitter account), you acknowledge and
agree that the right and license you grant under these Terms and Conditions does not require PEMCO or others to remove or
take other action with regard to your User Content. If you terminate or deactivate an online account, or if any of your
User Content is removed from a PEMCO Site, you agree that PEMCO and any assignees or sub-licensees are still permitted to
retain and use any of the User Content that has been shared with others prior to its termination, deactivation or removal.
PEMCO reserves the right to take down or refuse to display any User Content submitted that does not comply with these
Terms and Conditions (as amended from time to time), that is alleged to infringe on any third party intellectual property
rights, or that PEMCO in its sole discretion deems obscene, offensive, defamatory, libelous, or otherwise inappropriate for
viewing by a general audience.
While we may review submissions, do not assume that we do so, and do not assume that we determine the legality of your
If you are permitted and choose to create on a PEMCO Site a Northwest Profile image or other personalized content that
also contains PEMCO Marks selected by us, you agree that you will not: 1) include images of identifiable people from whom
you have not obtained necessary permissions; 2) violate a third party’s intellectual property rights or other proprietary
or privacy rights; 3) publish falsehoods or untruths misrepresented as fact; 4) include any advertising or solicitations;
or 5) submit any material that is illegal, offensive, obscene, defamatory, libelous, threatening, pornographic, harassing,
hateful, racially or ethnically offensive, or encourages conduct that would be considered either a criminal act or would
give rise to civil liability, violate any law, or is otherwise inappropriate. In addition, you represent and warrant that
you have all rights required by these Terms and Conditions to use or distribute the User Content you include, without
If you register for a PEMCO Account you may be permitted to create User Content, such as a personalized home page of your
PEMCO Account (“Personal Account Profile”), by using an approved, pre-formatted template containing certain PEMCO Marks. If
so permitted, and limited to that permission, your use of such template is granted with a non-exclusive, nontransferable,
limited and revocable right to access, use, and display such Marks as formatted, for your personal, non-commercial use. You
may also be permitted to submit such User Content for public display on a PEMCO Site (such as www.wearealotlikeyou.com). If
the normal functionality of a PEMCO Site allows you to share a copy of your User Content on your personal Facebook page, your
Twitter account or through other means beyond a PEMCO Site, you agree that (a) you will not make any modifications to the
Content other than on a PEMCO Site, (b) you will not use such User Content to portray PEMCO or any other affiliated
companies, or any of the foregoing entities’ products or services, in a false, misleading, derogatory or otherwise
defamatory manner, and (c) you will comply with all provisions of PEMCO’s Terms and Conditions. You further agree that,
if we request you to do so for any reason, you will remove all such content containing PEMCO Marks, including those you
have shared. Any business use, "re-mailing" or high-volume or automated use of PEMCO’s intellectual property is prohibited.
PEMCO is not obligated to post, display, or otherwise make publicly available any photo or other User Content you submit.
By posting your User Content to a PEMCO Site, you agree that other users may have access to download, copy or otherwise use
your User Content. You further agree to hold PEMCO harmless and to indemnify PEMCO against any claims that arise out of a
third party’s use of your User Content. These rights apply to any User Content you submit for posting to a PEMCO Site,
and these rights continue after you stop using our Services. If you do not agree to the terms and conditions for submitting
User Content to a PEMCO Site, you must not submit such content.
Unless PEMCO has agreed otherwise in writing, nothing in these Terms and Conditions gives you the right to use any of PEMCO’s
Marks or other intellectual property or distinctive brand features for any reason.
We may change the PEMCO Sites or delete Content (including User Content) or features at any time, in any way, for any or
Claims of Copyright Infringement
It is PEMCO’s policy to respond to notices of alleged intellectual property infringement in a manner that complies with
the Digital Millennium Copyright Act (the “DMCA”). We will process and investigate notices of alleged infringement and take
appropriate action under the DMCA, and in circumstances we determine appropriate we will terminate account access for anyone
who is a repeat infringer. If you believe that any material contained in our Sites may infringe on your copyright, written
notice must be provided containing the following information:
- A physical or electronic signature of the person authorized to act on behalf of the owner of an exclusive right that is
- Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single
online site are covered by a single notification, a representative list of such works at that site;
- Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is
to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;
- Information reasonably sufficient to permit us to contact the complaining party, such as an address, telephone number,
and, if available, an electronic mail address at which the complaining party may be contacted;
- A statement that the complaining party has a good-faith belief that use of the material in the manner complained of is
not authorized by the copyright owner, its agent, or the law; and
- A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining
party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
Notification must be submitted to PEMCO’s designated agent to receive notifications of claimed copyright infringement as
DMCA Designated Agent: Jane Simmons
325 Eastlake Avenue East, Seattle, Washington, 98109
Fax Number: 206-676-7165
We may give you notice that we have removed or disabled access to certain material by means of a general notice on the Sites,
electronic mail to a user's email address in our records, or by written communication sent by first-class mail to your
physical address in our records. If you receive such a notice, you may provide counter-notification in writing to the
designated agent that includes the information below. To be effective, the counter-notification must be a written
communication that includes the following information:
- Your physical or electronic signature;
- Identification of the material that has been removed or to which access has been disabled, and the location at which
the material appeared before it was removed or access to it was disabled;
- A statement from you under the penalty of perjury, that you have a good faith belief that the material was removed or
disabled as a result of a mistake or misidentification of the material to be removed or disabled; and
- Your name, physical address and telephone number, and a statement that you consent to the jurisdiction of a court for
the judicial district in which your physical address is located, or if your physical address is outside of the United
States, for any judicial district in which PEMCO may be found, and that you will accept service of process from the
person who provided notification of allegedly infringing material or an agent of such person.
Upon receipt of a counter notification we will send a copy of the counter notification to the person alleging copyright
infringement. We will cease disabling access to the User Content which is subject to the copyright claim in 10 days unless
we receive notice from the person alleging infringement that they have filed an action seeking a court order to restrain use
of the content.
THE FUNCTIONALITY, INFORMATION AND DISCLOSURES AVAILABLE THROUGH THE MOBILE APPLICATION SERVICE ARE MORE LIMITED THAN THE
FUNCTIONALITY, INFORMATION AND DISCLOSURES AVAILABLE THROUGH OUR WEBSITES.
Similar to your use of other PEMCO Services, if you access, download, copy or otherwise use a PEMCO mobile App, by doing
so you agree to be bound by these Terms and Conditions as well as any other requirements that may specifically apply to a
PEMCO mobile App. By using a PEMCO mobile App and agreeing to these Terms and Conditions, PEMCO grants you a limited,
revocable, non-exclusive, non-transferable, non-assignable End User License Agreement (the “User Agreement”) for the App
(which shall include future updates made available to you from time to time). However, such updates may be subject to
additional terms and conditions for which you will be notified and expected to agree in order to continue using the App.
This User Agreement is a legal agreement between you and PEMCO. If you do not agree to the User Agreement, do not access,
download, copy or otherwise use the App.
In accepting these Terms and Conditions you agree:
- To use the App Service solely for your own personal, private, non-commercial use on a mobile device belonging to you;
- You will use the App solely for the purpose of accessing PEMCO services the App is intended to provide and for no
other purpose whatsoever;
- You are solely responsible for any data charges as a result of your use of the App Service;
- The App Service is provided as a convenience to you. The information you access through the App Service may be more
limited than the information available at PEMCO.com website or other PEMCO Sites;
- License Restrictions. Except as specifically provided in this User Agreement, you may not: (i) distribute or make
the App available over a network where it could be used by multiple devices at the same time; (ii) copy the App; (iii)
modify, adapt, translate, reverse engineer, make alterations to, decompile, disassemble or make derivative works based
on the App, or any other computer software made accessible to you or otherwise used by you to access and use the App
Service except as otherwise permitted by law; or (iv) use, rent, loan, sub-license, lease, distribute or attempt to
grant other rights to the App to third parties.
- By using the App, you agree that PEMCO may collect and use certain information about you, your mobile device, your use
at the bottom of our PEMCO Site at www.pemco.com
PEMCO respects the privacy of our users. For our Privacy and Security practices please see the link at the bottom of our
PEMCO Site at www.pemco.com.
Notice of Applicability to Children
This Site is not intended for use by children, and any use or access by anyone 13 years old or younger is prohibited.
Submissions of Unsolicited Ideas
PEMCO values your feedback. However, we ask that you not submit, and you hereby agree not to submit to us any suggestions,
materials, ideas or creative concepts for new, modified or different products or services via the Sites. This understanding
and agreement will help to avoid confusion in the future regarding the origin of the concept, product or service.
If, for whatever reason, you do send us creative suggestions, ideas, concepts or other information (collectively, the
"Information"), you understand that such Information shall be deemed by PEMCO to be, and shall remain, the
non-confidential and non-proprietary property of PEMCO. PEMCO shall not be liable for any use or disclosure of such
Information. Without limiting the foregoing, PEMCO shall exclusively own all rights to the Information of every kind and
nature and shall be entitled to unrestricted use of the Information for any purpose whatsoever, commercial or otherwise,
without compensation to the provider of the Information.
Modifying and Terminating our Services
We may add or remove functionalities or features of the Sites or Services, and we may at any time suspend or stop a
Service altogether, without any notice and without any liability to you. You can stop using our Services at any time, and
PEMCO may also stop providing Services to you, or add or create new limits to our Services at any time. PEMCO reserves the
right to terminate any PEMCO Accounts you have, or restrict access to them, or to delete any Content posted through your
PEMCO Account(s), with or without notice, for any or for no reason, and without any liability to you.
PEMCO Products and Services
Information provided on our Sites is meant for informational purposes only so you may learn more about insurance products.
It should not be considered to be an offer to sell or as a solicitation to purchase any of our products or services. We
make revisions to our products and services at any time without notice to you.
Nothing contained in our Sites is meant to amend, modify, or supplement any insurance policy. Your insurance policy terms
and conditions control what is available to you. Your eligibility for coverage is determined by applicable underwriting
qualifications. Whether or not you have coverage for any claim is dependent on the particular facts and circumstances and
the applicable policy language. We make no representations on our Sites as to whether claims coverage does or does not exist.
Any conflict between these Terms and Conditions and any other terms and conditions for a specific PEMCO Site shall be
controlled by the latter terms and conditions.
Warranties and Disclaimers
We want you to enjoy the Services we provide, but, we also want to be clear that they are provided without a number of
ALL INFORMATION AND OTHER MATERIALS PRESENT ON THE SITES ("CONTENT"), INCLUDING, WITHOUT LIMITATION, PRODUCTS
AND SERVICES, ARE PROVIDED "AS IS," WITHOUT ANY WARRANTIES ABOUT THE CONTENT'S NATURE OR ACCURACY (EITHER WHEN
POSTED OR AS A RESULT OF THE PASSAGE OF TIME) AND WITHOUT ANY REPRESENTATIONS OR GUARANTEES. WITHOUT LIMITING THE ABOVE,
PEMCO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS
FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY WITH REGARD TO ANY WEB SITE OWNED BY A THIRD PARTY
TO WHICH OR FROM WHICH THE SITE IS LINKED ("LINKED WEB SITE"). PEMCO DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR
THE CAPABILITIES OR RELIABILITY OF ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED WEB SITE.
THE INFORMATION, PRODUCTS, SOFTWARE OR SERVICE DESCRIPTIONS PUBLISHED ON THE SITES OR A LINKED WEB SITE MAY INCLUDE
INACCURACIES OR TYPOGRAPHICAL ERRORS. THE COMPANY DISCLAIMS LIABILITY FOR SUCH ERRORS AND DOES NOT WARRANT OR REPRESENT
THAT THE CONTENT ON THE SITES OR A LINKED WEB SITE IS UPDATED OR COMPLETE. PEMCO HAS NO OBLIGATION TO UPDATE ANY CONTENT
ON THE SITES AND MAY CHANGE OR IMPROVE THE SITES AT ANY TIME WITHOUT NOTICE.
PEMCO DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT MADE
THROUGH THE SITES BY ANY PARTY OTHER THAN THOSE MADE BY PEMCO. PEMCO MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES
THAT THE SITES WILL BE ACCESSIBLE CONTINUOUSLY AND WITHOUT INTERRUPTION, OR ERROR FREE.
Liability for Our Services
IN NO EVENT WILL PEMCO, ITS SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS, BE LIABLE TO YOU FOR ANY
PUNITIVE, INDIRECT, DIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING ANY LOST PROFITS, COSTS OF PROCURING
SUBSTITUTE SERVICE OR LOST OPPORTUNITY, EVEN IF YOU HAVE NOTIFIED PEMCO ABOUT THE POSSIBILITY OF SUCH DAMAGES, OR FOR ANY
CLAIMS BY ANY THIRD PARTIES ARISING OUT OF OR IN ANY WAY RELATED TO THE ACCESS, USE OR CONTENT OF THE SITES OR A LINKED
WEB SITE WHETHER SUCH CLAIMS ARE BROUGHT UNDER ANY THEORY OF LAW OR EQUITY. IN NO EVENT SHALL THE AGGREGATE LIABILTY OF
PEMCO, WHETHER IN CONTRACT, WARRANTY, OR TORT, ARISING OUT OFTHE USE OF PEMCO’S SITES EXCEED $5.00 OR THE COMPENSATION YOU
PAID PEMCO FOR THE USE OF OUR SITES, WHICHEVER IS LESS.
THIS LIMITATION ON LIABILITY INCLUDES, BUT IS NOT LIMITED TO, TRANSMISSION OF VIRUSES THAT INFECTS A USER'S EQUIPMENT,
MECHANIC OR ELECTRONIC EQUIPMENT FAILURE, FAILURE OF COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECTS, UNAUTHORIZED
ACCESS, THEFT, OPERATIONAL ERRORS, STRIKES OR OTHER LABOR PROBLEMS, OR ANY FORCE MAJEURE.
PEMCO reserves the right to seek all other remedies available at law and in equity. You agree, at your own expense, to
defend, indemnify and hold PEMCO, its affiliates, officers, employees and agents, harmless from any claim or demand,
including reasonable attorneys' fees, made by a third party in connection with or arising out of: 1) your access to,
or use of, the Sites, the Services, or any of the Sites’ content in a manner other than as expressly authorized by the
Terms and Conditions; 2) your breach of the Terms and Conditions; or 3) your violation of applicable laws or any rights of
any third party.
Except to the extent otherwise set forth in the Terms and Conditions, these Terms and Conditions set forth the entire
understanding between PEMCO and you with respect to your access to, and use of, the Sites and their Content and supersedes
all prior or contemporaneous understandings regarding access and use.
Failure by PEMCO, in any instance, to exercise any of its rights under the Terms and Conditions will not constitute a
waiver of such right or any other rights under the Terms and Conditions.
These Terms and Conditions are governed by the laws of the State of Washington, without regard to the rules of conflict
of law that may cause the laws of another jurisdiction to apply. You agree to the sole and exclusive jurisdiction and
venue of the federal or state courts serving King County in the State of Washington in the event of any dispute of any
kind arising from or relating to the Sites or Services, or your use or review of it. The Terms and Conditions constitute
the entire agreement between the parties with respect to the subject matter they address, and they supersede and replace
all prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter. If any provision
of these Terms and Conditions is determined to be unlawful, void, or unenforceable, such provision shall be severable from
the remaining provisions which shall remain valid and in effect to the fullest extent possible.
Amendments of Terms and Conditions
Subject to applicable law, and at any time, we may amend these Terms and Conditions (including by modification, deletion
or addition of any portion of them). It is your responsibility to check our website from time to time for the latest
version of our Terms and Conditions. The most current version of these Terms and Conditions supersedes all previous
How to Contact PEMCO
PEMCO Mutual Insurance Company
325 Eastlake Avenue East
Seattle, WA 98109
These Terms and Conditions were last modified on March 27, 2014.