Terms and Conditions of Use

1. Terms
   • By accessing this website, you are agreeing to be bound by these Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this website. The materials contained in this website are protected by applicable copyright and trademark law.
2. Use License
   • Permission is granted to temporarily download one copy of the materials (information or software) on Appalachian Underwriters, Inc.'s website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
     • Modify or copy the materials without express written consent from our Corporate Marketing Department
     • Attempt to decompile or reverse engineer any software contained on Appalachian Underwriters, Inc.'s website
     • Remove any copyright or other proprietary notations from the materials; or
     • Transfer the materials to another person or "mirror" the materials on any other server.
   • This license shall automatically terminate if you violate any of these restrictions and may be terminated by Appalachian Underwriters, Inc. at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
3. Disclaimer
   • The materials on Appalachian Underwriters, Inc.'s website are provided "as is". Appalachian Underwriters, Inc. makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Appalachian Underwriters, Inc. does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet website or otherwise relating to such materials or on any sites linked to this site.
4. Limitations
   • In no event shall Appalachian Underwriters, Inc. or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Appalachian Underwriters, Inc.'s Internet site, even if Appalachian Underwriters, Inc. or a Appalachian Underwriters, Inc. authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
5. Revisions and Errata
   • The materials appearing on Appalachian Underwriters, Inc.'s website could include technical, typographical, or photographic errors. Appalachian Underwriters, Inc. does not warrant that any of the materials on its website are accurate, complete, or current. Appalachian Underwriters, Inc. may make changes to the materials contained on its website at any time without notice. Appalachian Underwriters, Inc. does not, however, make any commitment to update the materials.
6. Links
   • Appalachian Underwriters, Inc. has not reviewed all of the sites linked to its Internet website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Appalachian Underwriters, Inc. of the site. Use of any such linked website is at the user's own risk.
7. Site Terms of Use Modifications
   • Appalachian Underwriters, Inc. may revise these terms of use for its website at any time without notice. By using this website you are agreeing to be bound by the current version of these Terms and Conditions of Use.
8. Governing Law
   • Any claim relating to Appalachian Underwriters, Inc.'s website shall be governed by the laws of the State of Tennessee without giving effect to any choice of law or conflict of law provision or rule that would cause the application of the laws of any other jurisdiction.

Appalachian Underwriters, Inc. Fraud Policy

FRAUD PREVENTION MISSION STATEMENT

The Appalachian Underwriters, Inc. recognizes that insurance fraud exists in the insurance industry. As such, it is the policy and mission of the Company to strive to protect its customers and consumers through the employment of an effective and diligent Anti-Fraud Plan.

As part of the Company’s management process, the Appalachian Underwriters, Inc. claim staff will endeavor to thoroughly review each claim with the specific goal of identifying those claims exhibiting fraud related indicators, red flag events and situations or behavior indicative of fraud schemes. Those identified will be directed for specialized handling.

ANTI-FRAUD PLAN

The purpose and goal of our Anti-Fraud Plan is to educate, detect, investigate and deter insurance fraud thereby reducing insurance costs.

SPECIAL INVESTIGATION UNIT (S.I.U.)

The Company has an S.I.U. in place that is responsible for the review and disposition of all suspected fraudulent insurance acts and the detection, evaluation, investigation and reporting to state fraud bureaus. The Company also has in-house legal counsel.

POSITION

Insurance fraud will not be condoned by Appalachian Underwriters, Inc. Our personnel are dedicated to the prevention of insurance fraud and will aggressively review, analyze, monitor, investigate and prosecute fraudulent insurance acts to the fullest extent of the law. It is our position that the validity of such acts will receive the benefit of the doubt unless proven otherwise through complete investigation and evaluation toward their appropriate disposition. These acts in general are, but not limited to:

• Application Fraud, Certificate of Insurance Fraud, Fraudulent Insurance Claims and the Understating Rating Exposures such as Sales, Payroll, etc.

Further, we will comply with state statutes with respect to the reporting, investigation, and preparation of Anti-Fraud Plans.

REPORTING

Suspected fraudulent insurance acts must be reported to the respective State Fraud Bureau where applicable. Those acts involving Appalachian Underwriters, Inc. should be referred to the company.

All suspected fraudulent insurance act referrals including supporting documentation should be forwarded to:

SIU Security Designate
Appalachian Underwriters, Inc.
P.O. Box 800
Oak Ridge, TN 37831

Appalachian Underwriters, Inc. Privacy Policy

Appalachian Underwriters, Inc. has adopted a privacy policy regarding information about our consumers and customers. Under this policy, we will:

• Notify our consumers and customers of what we collect about them, what we disclose, who we disclose it to, and how we protect that information. This notice is called the “PRIVACY NOTICE”
• Caution all nonaffiliated third parties with whom we do business against disclosing nonpublic information about our consumers and customers in connection with any agreements we may have with them and/or services they may provide for us. This notice is called the “NOTICE TO AGENTS”

“PRIVACY NOTICE” to its Consumers and Customers

Protection of Nonpublic Information

Our Company respects and protects the privacy of its consumers and customers and has adopted a policy to minimize the sharing of their nonpublic information with nonaffiliated third parties. This information is protected physically, electronically, and administratively by procedures designed to ensure its safeguard. Everyone from our Directors to each of our employees has been made aware of this practice.

Cookies

We use “cookies” on our website only to collect login name and password information from agents. This allows agents to access secure areas of our website. Our website does not collect any other information from agents, nor does it collect any information whatsoever from other individuals.

Links

We have links to third party organizations and companies. A link does not constitute an endorsement of content, viewpoint, policies, products, or services of that website. Please be aware that Appalachian Underwriters, Inc. is not responsible for the privacy practices of those sites even though Appalachian Underwriters, Inc.’s logo may appear on those sites. Our privacy statement applies solely to this website.

What information do we collect about the consumer and/or customer (“you”)?

We collect non-public personal and financial information from your application or other requests for insurance or products we offer. We may also collect information from other sources such as your prior insurance provider and consumer reporting agencies. This information can include prior loss history, credit or inspection and motor vehicle reports.

What information about you do we disclose and to whom is it disclosed?

Appalachian Underwriters, Inc. does not disclose any information with unaffiliated third parties.

How do we protect your non-public personal information?

Information about you is protected physically, electronically and administratively by procedures we have implemented to ensure its safeguard. Information about you is generally available only within Appalachian Underwriters, Inc., but where made available to others for purposes relating to the services we provide to you such disclosure is limited to that needed to satisfy the purpose in question. Anyone who is given access to your information by us will be informed of the need to protect and safeguard its confidentiality, and is not authorized to use or further disclose your non public personal and financial information except in furtherance of the purpose for which such person was given the information.

NOTICE TO AGENTS

Appalachian Underwriters, Inc. adheres to strict prohibition against public disclosure by agents of nonpublic personal financial, health or other information in connection with agreements we have with those agents and/or in connection with the services the agents provide for us.

In connection with our agreements with agents and in connection with the services they provide for us, Appalachian Underwriters, Inc. (here thereafter individually and collectively referred to as “we”, “us” or “our”) may have, or will soon be, making disclosures orally, in writing, in electronic format and/or by electronic means to the agent of nonpublic personal financial, health or other information of consumers and customers of ours (herein referred to as “Confidential Information”).

We consider such “Confidential Information” to include all information and documents provided by us to the agent, which contain, reflect or are based upon confidential information. However, by “Confidential Information” we do not mean information which (i) was or becomes generally available to the public in the same form as received from us, (ii) was within the agent’s possession prior to it being furnished to the agent by us or, (iii) became available to the agent on a non-confidential basis from a source other than us and such source is not actually known to the agent to be bound by a confidentiality agreement.

You, the agent, have been, or will be, furnished the “Confidential Information” upon the understanding that you will use the “Confidential Information” only in connection with our agreements with you or the services you are to perform for us. Accordingly, you are not authorized to use or disclose the “Confidential Information” to anyone except as necessary to satisfy your obligations under our agreements and/or services you provide for us.

We expect you, the agent, to inform all persons or entities of the confidential nature to which you have or will disclose the “Confidential Information” so provided, and we further expect you to take reasonable steps to ensure that such persons or entities treat the “Confidential Information” as confidential and without further disclosure.

In the event you are legally compelled to disclose any of the “Confidential Information” in response to proper legal process, please promptly provide us with notice of any such requirement, before making any such disclosure, in time sufficient to allow us to seek a protective order or other appropriate remedy.