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Terms and Conditions

By accessing this website ('Site'), you agree to be bound by the following terms and conditions (the 'Terms'). Before using this Site, you should read carefully the Terms and also our Privacy Statement. In these Terms:

'you', 'your' and 'yours' means you, the person(s) accessing this Site; 'we', 'us' and 'our' means Southern Alabama Insurance, its subsidiaries and associated companies from time to time.

Terms These Terms cover your use of this Site. All our products and services have their own terms and conditions (the 'Product Terms'). You must read both the Product Terms and these Terms. To the extent that the Product Terms conflict with these Terms, then the Product Terms will prevail. From this Site we may provide information or hyperlinks to other websites or pages provided by other parties. Your use of other parties' sites may be subject to their own terms and conditions. You should read them. Please make sure you read carefully all applicable terms, conditions and disclaimers relevant to your use of the products, services or information that may be offered to you from time to time.

Changes To Our Terms We may change these Terms at any time by updating these pages. You agree to review any applicable terms and conditions regularly and that your use of any part of this Site will be subject to any such changes once they are made.

Availability of Site, Products And Services The content, including layout, of this Site or products or services available via this Site may be wholly or partially suspended, withdrawn or changed at any time. We also reserve the right at any time to immediately suspend the provision of all or any part of this Site to you and/or block your access to this Site.

No Offer Information or opinions contained on this Site do not constitute investment advice or an offer to sell or a solicitation, or offer to buy, any securities or financial instruments. Should you seek to rely in any way whatsoever upon any content contained on this Site, you do so at your own risk. Before you make any decision or take any action that might affect you or your personal finances or business, you should always consult a suitably qualified professional adviser.

Users This Site is intended for those who access it from within the United States. Because of this, we cannot guarantee that this Site or the information on it complies with local laws, regulations or restrictions of, or is appropriate for use in, other places. People accessing this Site from outside the US must inform themselves about and observe any relevant rules, regulations and restrictions. The following provisions under 'No Warranties' and 'Exclusion of Our Liability' exclude or limit our legal liability for this Site. You should read them carefully.

No Warranties Other than the warranties and representations contained in these Terms, all other warranties and representations, whether express, implied or statutory are, to the fullest extent permitted by the law, excluded. Use of this Site is at your sole risk. We do not represent that:

Any information contained on this Site will be accurate, complete or up to date or meet your specific requirements; this Site will be available; access to this Site will be uninterrupted or that there will be no delays, failures, errors or omissions or loss of information as this Site is transmitted to you; no viruses or other contaminating or destructive materials or elements will be transmitted or that your computer system will not be damaged.

We do not provide any guarantee about the accuracy, functionality or performance of any third party software, content or equipment used in connection with this Site.

Exclusion of Our Liability To the extent permitted by law, neither we nor any member of Southern Alabama Insurance shall be liable for any damage, loss or liability (whether arising in contract, tort, including negligence, or otherwise) arising out of or in connection with:

Your use of this Site; your reliance on or your inability to use the information, products or services on this Site; any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure to this Site or your use or attempted use of it.

The above exclusions apply to any damage which is direct, indirect, special, incidental or consequential or consists of loss of profits, business, opportunity or data. All of the above exclusions apply even if you have advised us of the possibility of the above types of damage, loss or liability.

Your Obligations Security - it is your sole responsibility adequately to: protect and back up your data and equipment; undertake reasonable and appropriate precautions against any computer virus or other destructive materials or elements; ensure that your computers and your access to this Site are adequately secured against any unauthorized users. Your use of this Site - you may not use this Site or permit others to use this Site:  in any way (including via electronic means) and for any purpose which is unlawful, defamatory or libelous, offensive, abusive, indecent, menacing or threatening or in any way breaches any intellectual property rights or obligations of confidence; to cause annoyance, inconvenience or needless anxiety to any other person or in any other way which is in violation of any applicable law or regulation in any jurisdiction in the world; to introduce a virus or other disruptive material or element or otherwise disrupt or impair this Site or any communication service.

Third Party Sites Links to Third Party Sites - where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any websites or pages of third parties linked to or from this Site. Following links to any websites or pages of third parties shall be at your own risk. We shall not be responsible or liable for any damages or in any other way in connection with such linking of those websites or pages.

Downloads from Third Party Sites - links to third party downloadable software sites are for convenience only and we are not responsible nor are we liable for any difficulties or consequences associated with downloading that software. You are responsible for obtaining all necessary authorizations to use such software and we make no implied license or warranty in relation to the obtaining of or use of such software whatsoever. No Endorsement of Third Parties - no endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on this Site or by any hyperlinks to or from any third party websites or pages.

Links To Our Site Neither you nor any other party may use any part of this Site on any other website, or link any other website to this Site, without our prior written permission. We are not responsible for the set up of any link from a third party website to our Site.

Internet and E-Mail Communications Messages sent over the Internet (including e-mail) cannot be guaranteed to be completely secure as they are subject to possible interception, monitoring, delay, loss or alteration. Neither we nor any other member of Southern Alabama Insurance are responsible for any such messages nor liable to you or anyone else for any damages or otherwise in connection with any messages sent by you to us or any third party or any messages sent by or appearing to be sent by us or any third party to you over the Internet (including e-mail). You should not include any sensitive or confidential information in such messages.

Our Monitoring of Communications To help us improve our service and in the interest of security, we may monitor and/or record communications (whether over the Internet, telephone or otherwise) between you and us.

Intellectual Property Rights Our Rights - all intellectual property rights (including without limitation, copyright, database rights, design rights, patents and trademarks) in the pages, screens, information and materials included in this Site are owned by or licensed to us unless otherwise stated. Southern Alabama Insurance and the Southern Alabama Insurance logo are trademarks of Southern Alabama Insurance and all rights and benefits in them vest in Southern Alabama Insurance. Copying by you - you may print, copy, download or temporarily store extracts from this Site for your personal use or to help you use our products and services. You must not alter any extract contained on or obtained from this Site in any form. Any other use is prohibited unless you first get our written permission.

Data Protection We are committed to protecting your personal data and privacy. All information that we gather from you in connection with your use of this Site ('your information') will be processed or otherwise dealt with by us in accordance with our Privacy Policy (as amended from time to time) that you should read.

We may use 'cookies' to collect data about you in connection with your use of this Site. We may, as a result of your interaction with this Site, hold and process your information. This will be entered on to our group database and will be used to provide to you services and products, to evaluate the effectiveness of this Site and for statistical analysis.

Your information may also be used for fraud prevention and audit purposes. If you give us false or inaccurate information and we suspect fraud, we will record this. Your information may also be exchanged with members of Southern Alabama Insurance and others to provide you with services and products. We may use other members of Southern Alabama Insurance and/or third parties (in jurisdictions inside or outside the United States where there may be less stringent data protection laws) to process information on our behalf.

Wherever it is processed, your information will be protected by a strict code of secrecy and security that all members of Southern Alabama Insurance, their staff and any third parties are subject to and will only be used in accordance with our instructions. We may contact you to ensure that any information you have requested has been received. Under data protection legislation, you can ask in writing for a copy of personal records we hold on you.

Children This Site is not intended to be used by minors.

Governing Law These Terms are governed by and are to be interpreted in accordance with the laws of the State of Alabama. The courts in Alabama will have non-exclusive jurisdiction in respect of any dispute which may arise in connection with the Terms or your use of this Site.

Privacy We know that you are concerned with how your personal and financial information is dealt with. This privacy statement sets out our current policies and demonstrates our commitment to your financial privacy. We may change the content or services found on our Site at any time without notice, and consequently our privacy policy may change at any time in the future. You agree to revisit this page regularly and your continued access to or use of the Site will mean that you agree to the changes.

Public Areas When using the public portion of the Site you are not required to provide us with any personal information. We do not monitor or collect any personally identifiable information from you on your use of the public portions of the Site. We may track the number of users who visit areas of the Site, but this tracking will not identify you. We may also record the location of your computer on the Internet for systems administration and trouble shooting purposes and to report aggregate information.

Personal Information If you register to use the password protected portions of the Site, we will ask you to provide us with certain up to date data about yourself which we will handle in accordance with the United States and State of Alabama data protection legislation. We maintain strict security standards and procedures with a view to preventing unauthorized access to your data by anyone, including our staff. We use leading technologies such as (but not limited to) data encryption, fire walls and server authentication to protect the security of your data. Our staff and whenever we hire third parties to provide support services, we will require them to observe our privacy standards and to allow us to audit them for compliance.

Cookies Cookies are pieces of information that a website transfers to your computer's hard disc for record keeping purposes. Cookies can make the web more useful by storing information about your preferences on particular sites, thus enabling website owners to provide more useful features for their users. Most browsers are initially set to accept cookies. If you would prefer, you can set your browser to refuse cookies. However, given that we may sometimes use cookies you may not be able to take full advantage of our website if you do so.

Your Queries If you have any queries regarding privacy issues, then please e-mail Bradley Sessions at [email protected] . Please see our Terms and Conditions for more details on the use of our Site.

Contact Us/ Complaints Handling

Southern Alabama Insurance is committed to providing you with the highest level of customer service.

If you wish to register a complaint at any time during the insurance process, please contact us, either via your usual Southern Alabama Insurance contact, or alternatively, using any of the contact details indicated below:

  • In writing: Risk & Compliance, Southern Alabama Insurance, P.O. Box 3768, Gulf Shores, Alabama 36547
  • Via email: [email protected]
  • By telephone: (251)-968-7146

Upon receipt of a complaint (or upon your specific request), we will provide you with a copy of our complaint handling procedures. We will endeavor to investigate and resolve your complaint promptly and fairly in accordance with our procedures.