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TERMS OF SERVICE

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Revised: June 19, 2023


1. INTRODUCTION

Please read these Terms of Service (“Terms of Service”) carefully. These Terms
of Service are between you and The Travelers Indemnity Company ("Travelers")
concerning your use of the website currently located at http://www.travelers.com
and any other websites owned or operated by or on behalf of Travelers (the
"Websites"), and the software applications made available by or on behalf of
Travelers for use on or through computers and mobile devices (the "Apps"). The
Websites and Apps (and any materials and services made available by Travelers
through them) are referred to collectively in these Terms of Service as the
"Online Properties."

Your use of the Online Properties constitutes your consent and agreement to
these Terms of Service. Travelers may change these Terms of Service at any time.
Any changes will become effective when the revised Terms of Service are posted
on the Online Properties or you are otherwise notified of such changes. Your use
of the Online Properties following these changes means that you accept the
revised Terms of Service.

IF YOU ARE USING THE ONLINE PROPERTIES ON BEHALF OF A COMPANY OR OTHER
ORGANIZATION, YOU REPRESENT THAT YOU HAVE THE LEGAL AUTHORITY TO BIND SUCH
ORGANIZATION TO THESE TERMS OF SERVICE.

BY USING THE SERVICES, YOU AGREE TO RESOLVE ANY DISPUTE WITH US THROUGH BINDING
ARBITRATION OR SMALL CLAIMS DISPUTE PROCEDURES AND YOU WAIVE YOUR RIGHTS TO
PARTICIPATE IN A CLASS ACTION SUIT. THESE TERMS OF SERVICE CONTAIN A MANDATORY
ARBITRATION PROVISION BELOW.

If you are an agent of Travelers, certain agent-specific terms and conditions
may apply to you and may supersede these Terms of Service.


2. JURISDICTIONAL ISSUES; COMPLIANCE WITH LAWS

The Online Properties are controlled and operated from the United States, and
are not intended to subject Travelers to the laws or jurisdiction of any state,
country or territory other than that of the United States. The Online Properties
and Products (as defined below) may not be appropriate or available for use in
some non-U.S. jurisdictions. You must comply with all applicable laws, rules and
regulations in using the Online Properties and Products.


3. RULES OF CONDUCT

You must not post, transmit or otherwise make available any materials through or
in connection with the Online Properties that may be illegal or objectionable to
Travelers; or use the Online Properties in any manner that may be illegal or
objectionable to Travelers.

 * Prohibited materials include, without limitation: any computer code, file, or
   program that is or may be harmful or invasive or intended to damage or hijack
   the operation of, or to monitor the use of, any hardware, software or
   equipment.
 * Prohibited activities include, without limitation:
   * harvesting or collecting information about users of the Online Properties;
   * interfering with or disrupting the operation of the Online Properties or
     the servers or networks used to make the Online Properties available;
   * exploiting any portion of (or using) the Online Properties except as
     expressly authorized herein;
   * reverse engineering, decompiling or disassembling any portion of the Online
     Properties, except where such restriction is expressly prohibited by
     applicable law; and
   * using any robot, spider, site search/retrieval application or other manual
     or automatic device to retrieve, index, "scrape," "data mine," or otherwise
     gather content of the Online Properties, or reproduce or circumvent the
     navigational structure or presentation of the Online Properties.


4. DISCLAIMER

The Online Properties may make available listings, links, services, and
descriptions and images of goods or services (collectively, "Products"). Such
Products may be made available by third parties ("Third Party Products"). THE
ONLINE PROPERTIES AND ANY PRODUCT AND THIRD PARTY PRODUCTS ARE MADE AVAILABLE TO
YOU "AS IS" WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR
STATUTORY. TRAVELERS DISCLAIMS ALL WARRANTIES WITH RESPECT TO THE ONLINE
PROPERTIES AND ANY PRODUCTS AND THIRD PARTY PRODUCTS TO THE FULLEST EXTENT
PERMISSIBLE UNDER APPLICABLE LAW, INCLUDING WITHOUT LIMITATION: THAT THE ONLINE
PROPERTIES WILL BE UPDATED, COMPLETE, CORRECT, OR SECURE; AND THE WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND TITLE.
ALL DISCLAIMERS OF ANY KIND (INCLUDING IN THIS SECTION AND ELSEWHERE IN THESE
TERMS OF SERVICE) ARE MADE ON BEHALF OF BOTH TRAVELERS AND ITS AFFILIATES AND
THEIR RESPECTIVE SHAREHOLDERS, DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES,
AGENTS, REPRESENTATIVES, LICENSORS, SUPPLIERS AND SERVICE PROVIDERS
(COLLECTIVELY, THE "AFFILIATED ENTITIES").


5. USE OF THIRD PARTY PRODUCTS

YOUR USE OF THIRD PARTY PRODUCTS IS SUBJECT TO ANY ADDITIONAL TERMS, CONDITIONS
AND POLICIES APPLICABLE TO SUCH THIRD PARTY PRODUCTS (SUCH AS TERMS OF SERVICE
OR PRIVACY POLICIES OF THE PROVIDERS OF SUCH THIRD PARTY PRODUCTS).


6. REGISTRATION; USER NAMES AND PASSWORDS

You may need to register to use all or part of the Online Properties.
Unauthorized access or use of such portions of the Online Properties is
prohibited. Your user name and password are for your personal use only and
should be kept confidential and secure. You must promptly notify Travelers of
any confidentiality breach or unauthorized use of your user name or password, or
your account.


7. SUBMISSIONS

You represent and warrant that any information you provide through or in
connection with the Online Properties (each, a "Submission") is and will remain
accurate and complete, and you will update such information as needed. For each
Submission you make, you hereby grant to Travelers a worldwide, royalty-free,
fully paid-up, non-exclusive, perpetual, irrevocable, transferable and fully
sublicensable (through multiple tiers) license, without additional consideration
to you or any third party, to reproduce, distribute, perform and display
(publicly or otherwise), create derivative works of, adapt, modify and otherwise
use and exploit such Submission, in any format or media now known or hereafter
developed, and for any purpose. The above license grant applies to all
Submissions; but, for the avoidance of doubt, any personal data submitted
through the Online Properties remains subject to the Travelers Online Privacy
Statement, located here.


8. CONSENT TO MONITORING OF ACTIVITY ON ONLINE PROPERTIES

Travelers may monitor any use of the Online Properties and may capture and
retain information and records reflecting your activity on any of the Online
Properties for our business purposes.  This may include records indicating
clicks on pages or links, items that you view including videos, page views, time
spent on pages, scrolling, and other actions taken while using the Online
Properties. The cookies and similar tracking technologies Travelers uses on
Online Properties (as described in our Online Privacy Statement) may also
collect the foregoing information reflecting your use of and activity on
Travelers, or may enable our third-party partners to collect such information.
Travelers may disclose any of the information we capture by monitoring activity
on Online Properties to one or more third parties. When you access the Online
Properties, you are agreeing to these Terms of Service, including consenting to
the monitoring or capturing of your activity on the Online Properties and the
disclosure of the information reflecting such activity to one or more third
parties.

As part of our monitoring of Online Properties, if you engage with chat
functionalities on any Online Properties, your conversations via our chat
functionalities may be retained by us and our third-party partners for our
business purposes. Also, if you type information into forms or other fields on
the Online Properties, what you enter may be captured and retained by us and our
third-party partners for our business purposes.  This can include any
interaction between you and our chat technologies, information you input into
chats or into forms or fields, the conversations you have through our chat
functionalities, and any information or communications you submit to us via the
Online Properties.

If you do not consent to the monitoring described here, you should not use the
Online Properties. You may opt out of some of the tracking technologies that are
enabled on the Online Properties by accessing the Cookie Settings menu.


9. TRANSACTIONS

Travelers may make available the ability to make payments in connection with
certain Products through the Online Properties (a "Transaction"). If you wish to
make a Transaction, you may be asked to supply certain relevant information,
such as your credit card number and its expiration date, your billing address
and your shipping information. YOU REPRESENT AND WARRANT THAT YOU HAVE THE RIGHT
TO USE ANY CREDIT CARD THAT YOU SUBMIT IN CONNECTION WITH A TRANSACTION. By
submitting such information, you grant to Travelers the right to provide such
information to third parties for purposes of facilitating Transactions. You
agree to pay all charges incurred by you or on your behalf through the Online
Properties, at the prices in effect when such charges are incurred. In addition,
you are responsible for any taxes applicable to your Transactions. While it is
our practice to confirm orders and payments by email, the receipt of an email
confirmation does not constitute our acceptance of an order or payment, or our
confirmation of an offer to sell a Product.


10. PROPRIETARY RIGHTS

The Online Properties are protected by proprietary rights and laws. You may
refer to, copy and use material on the Online Properties for personal,
non-commercial purposes only and provided that your copies retain all copyright,
trademark and other proprietary notices that appear on the original screens.
Travelers and the Travelers Umbrella logo are registered trademarks of The
Travelers Indemnity Company in the U.S. and other countries. Other trademarks,
service marks, trade names, logos, URLs, domain names and icons appearing on the
Online Properties, whether registered or not, are owned by Travelers or the
Affiliated Entities. As between you and Travelers, all aspects of the Online
Properties are proprietary to Travelers. Nothing contained on the Online
Properties should be construed as granting any intellectual property rights to
the Online Properties (or any portion thereof), including any right to use any
of the trademarks appearing on the Online Properties, without the express prior
written consent of the owner.


11. APP LIMITED LICENSE

The App is licensed (not sold) to end users. Subject to your compliance with
these Terms of Service, and solely for so long as you are permitted by Travelers
to use the App, Travelers hereby permits you, on a limited, non-exclusive,
revocable, non-transferable, non-sublicensable basis, to install and use the App
on a mobile device that you own or control.


12. LIMITATION OF LIABILITY

TRAVELERS WILL NOT BE RESPONSIBLE OR LIABLE FOR PERSONAL INJURY OR ANY INDIRECT,
INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES OF ANY KIND,
UNDER ANY CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHER
THEORY, INCLUDING DAMAGES FOR LOSS OF PROFITS, USE OF DATA, LOSS OF OTHER
INTANGIBLES, LOSS OF SECURITY OF SUBMISSIONS (INCLUDING UNAUTHORIZED
INTERCEPTION BY THIRD PARTIES OF ANY SUBMISSIONS), BUSINESS INTERRUPTION OR ANY
OTHER COMMERCIAL DAMAGES OR LOSSES, EVEN IF ADVISED IN ADVANCE OF THE
POSSIBILITY OF SUCH DAMAGES OR LOSSES. WITHOUT LIMITING THE FOREGOING, TRAVELERS
WILL NOT BE RESPONSIBLE OR LIABLE FOR DAMAGES OF ANY KIND RESULTING FROM YOUR
USE OF OR INABILITY TO USE THE ONLINE PROPERTIES OR FROM ANY PRODUCTS OR THIRD
PARTY PRODUCTS. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE
ONLINE PROPERTIES OR ANY PRODUCTS OR THIRD PARTY PRODUCTS IS TO STOP USING THE
ONLINE PROPERTIES. THE MAXIMUM AGGREGATE LIABILITY OF TRAVELERS FOR ALL DAMAGES,
LOSSES AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR
OTHERWISE, SHALL BE FIFTY U.S. DOLLARS ($50.00). ALL LIMITATIONS OF LIABILITY OF
ANY KIND (INCLUDING IN THIS SECTION AND ELSEWHERE IN THESE TERMS OF SERVICE) ARE
MADE ON BEHALF OF BOTH TRAVELERS AND THE AFFILIATED ENTITIES.

Applicable law may not allow for limitations on certain warranties, or
exclusions or limitations of certain damages; to the extent such law applies to
you, some or all of the above disclaimers, exclusions or limitations may not
apply to you, and you may have certain additional rights.


13. INDEMNITY

Except to the extent prohibited under applicable law, you agree to defend,
indemnify and hold harmless Travelers and the Affiliated Entities from and
against all claims, losses, costs and expenses (including attorneys’ fees)
arising out of (a) your use of, or activities in connection with, the Online
Properties (including all Submissions); and (b) your violation or alleged
violation of these Terms of Service.


14. TERMINATION

These Terms of Service are effective until terminated. Travelers may terminate
these Terms of Service and/or suspend or terminate your access to or use of the
Online Properties, in whole or in part, at any time and without prior notice,
including if Travelers believes that you have violated or acted inconsistently
with the letter or spirit of these Terms of Service. Upon any such termination
or suspension, your right to use the Online Properties will immediately cease,
and Travelers may, without liability to you or any third party, immediately and
temporarily or permanently deactivate or delete your user name, password and/or
account, and all associated materials, in each case without any obligation to
provide any further access thereto. Sections 1–10 and 12–20 shall survive any
expiration or termination of these Terms of Service.


15. GOVERNING LAW; ARBITRATION

The terms of these Terms of Service are governed by the laws of the State of
Connecticut, without regard to its principles of conflicts of law, and
regardless of your location. EXCEPT FOR DISPUTES THAT QUALIFY FOR AND ARE FILED
IN SMALL CLAIMS COURT, ALL DISPUTES ARISING EXCLUSIVELY OUT OF THESE TERMS OF
SERVICE, WHETHER BASED IN CONTRACT, TORT, STATUTE, FRAUD, MISREPRESENTATION OR
ANY OTHER LEGAL THEORY, WILL BE RESOLVED THROUGH FINAL AND BINDING ARBITRATION
BEFORE A NEUTRAL ARBITRATOR INSTEAD OF IN A COURT BY A JUDGE OR JURY, AND YOU
AGREE THAT TRAVELERS AND YOU ARE EACH WAIVING THE RIGHT TO TRIAL BY A JURY. YOU
AGREE THAT ANY ARBITRATION UNDER THESE TERMS OF SERVICE WILL TAKE PLACE ON AN
INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED AND YOU
ARE AGREEING TO GIVE UP THE ABILITY TO PARTICIPATE IN A CLASS ACTION. The
arbitration will be administered by JAMS pursuant to its Comprehensive
Arbitration Rules and Procedures, as amended by these Terms of Service. The
arbitrator will conduct hearings, if any, by teleconference or videoconference,
rather than by personal appearances, unless the arbitrator determines upon
request by you or by Travelers that an in-person hearing is appropriate. Any
in-person appearances will be held at a location which is reasonably convenient
to both parties with due consideration of their ability to travel and other
pertinent circumstances. If the parties are unable to agree on a location, such
determination will be made by JAMS or by the arbitrator. The arbitrator’s
decision will follow the terms of these Terms of Service and will be final and
binding. The arbitrator will have authority to award temporary, interim or
permanent injunctive relief or relief providing for specific performance of this
Terms of Service, but only to the extent necessary to provide relief warranted
by the individual claim before the arbitrator. The award rendered by the
arbitrator may be confirmed and enforced in any court having jurisdiction. The
courts of the state of Connecticut will have exclusive jurisdiction to settle
any claim, dispute or matter of difference that may arise out of or in
connection with the arbitration. Notwithstanding any of the foregoing, nothing
in these Terms of Service will preclude you from bringing issues to the
attention of federal, state or local agencies and, if the law allows, they can
seek relief against Travelers for you.


16. CONTACT TRAVELERS

If you have a question, comment or complaint regarding the Online Properties,
please send an email to ConsumerAffairs@travelers.com. You may also contact
Travelers by writing to Travelers, Attn: Consumer Affairs, One Tower Square, 8
MS, Hartford, CT 06183, or by calling Travelers at (866) 894-0687. Please note
that email communications will not necessarily be secure; accordingly you should
not include credit card information or other sensitive information in your email
correspondence with Travelers. California residents may reach the Complaint
Assistance Unit of the Division of Consumer Services of the California
Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento,
CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.


17. GOVERNMENT USERS

The Apps and related documentation are, respectively, "Commercial Computer
Software" and "Commercial Computer Software Documentation", as such terms are
defined and used in 48 C.F.R. §2.101, 48 C.F.R. §12.212 and 48 C.F.R. §227.7202,
licensed subject to the limitations of 48 C.F.R. §12.212 or 48 C.F.R. §227.7202,
as applicable.


18. MISCELLANEOUS

If any provision of these Terms of Service is found to be unlawful, void or
unenforceable, that provision will be deemed severable from these Terms of
Service and will not affect the validity and enforceability of any remaining
provision. No waiver by either party of any breach or default hereunder will be
deemed to be a waiver of any preceding or subsequent breach or default. Notices
to you (including notices of changes to these Terms of Service) may be made via
posting to the Online Properties or by email (including in each case via links),
by regular mail or by any other reasonable means.


19. THIRD-PARTY BENEFICIARIES

Each Affiliated Entity is a third-party beneficiary to these Terms of Service
with the full right to enforce the terms hereof.


20. SUPPLEMENTAL THIRD-PARTY TERMS


20.1 APPLE-SPECIFIC TERMS

In addition to your agreement with the foregoing terms and conditions, and
notwithstanding anything to the contrary herein, the following provisions apply
with respect to your use of any version of the App compatible with the iOS
operating system of Apple Inc. ("Apple"). Apple is not a party to these Terms of
Service and does not own and is not responsible for the App. Apple is not
providing any warranty for the App except, if applicable, to refund the purchase
price for it. Apple is not responsible for maintenance or other support services
for the App and shall not be responsible for any other claims, losses,
liabilities, damages, costs or expenses with respect to the App, including any
third-party product liability claims, claims that the App fails to conform to
any applicable legal or regulatory requirement, claims arising under consumer
protection or similar legislation, and claims with respect to intellectual
property infringement. Any inquiries or complaints relating to the use of the
App, including those pertaining to intellectual property rights, must be
directed to Travelers in accordance with the "Contact Travelers" section above.
The license you have been granted herein is limited to a non-transferable
license to use the App on an Apple-branded product that runs Apple’s iOS
operating system and is owned or controlled by you, or as otherwise permitted by
the Usage Rules set forth in Apple’s App Store Terms of Service. In addition,
you must comply with the terms of any third-party agreement applicable to you
when using the App, such as your wireless data service agreement. Apple and
Apple’s subsidiaries are third-party beneficiaries of these Terms of Service
and, upon your acceptance of the terms and conditions of these Terms of Service,
will have the right (and will be deemed to have accepted the right) to enforce
these Terms of Service against you as a third-party beneficiary thereof;
notwithstanding the foregoing, Travelers’ right to enter into, rescind or
terminate any variation, waiver or settlement under these Terms of Service is
not subject to the consent of any third party.


20.2 GOOGLE MAPS SPECIFIC TERMS

In addition to your agreement with the foregoing terms and conditions, and
notwithstanding anything to the contrary herein, the following provisions apply
with respect to your use of the Google Maps functionality that may be embedded
in the App. Your use of such functionality is governed by the Google Maps/Google
Earth Additional Terms of Service, which are available at
http://www.google.com/help/terms_maps.html, and by the Google Privacy Policy,
which is available at https://www.google.com/policies/privacy/. By using such
functionality, you are agreeing to be bound by the then-current versions of the
Google Maps/Google Earth Additional Terms of Service and Google Privacy Policy.


20.3 MICROSOFT BING MAPS SPECIFIC TERMS

In addition to your agreement with the foregoing terms and conditions, your use
of any Bing Maps functionality embedded within the Online Properties shall be
subject to the Terms of Use found at
http://www.microsoft.com/maps/assets/docs/terms.aspx.


20.4 AMAZON ALEXA SKILLS SPECIFIC TERMS

In addition to your agreement with the foregoing terms and conditions, the
following provisions apply with respect to your use of any Alexa Skills made
available by Travelers (the “Skill”). The Skills are a type of App that enable
voice-driven interaction with Travelers through devices that connect to the
Alexa Voice Service (“Alexa”), such as the Amazon Echo Dot, Amazon Echo, Amazon
Fire TV, and any device that has the Alexa app or is otherwise connected to
Alexa (“Connected Devices”). Once you’ve enabled the Skill, you can interact
with Travelers by simply using your voice.

Travelers may make available two types of Skills, General Skills and Linked
Skills. “General Skills” are Skills that Travelers makes generally available and
don’t require you to be a Travelers policyholder to use. “Linked Skills” are
linked to an eligible Travelers online account. Linked Skills may not be
available in all states or for all policy types. By enabling a Skill, you
represent that you have the power, authority and capacity to accept these Alexa
Skills Terms and enable the Skill. You can unlink your account from a Linked
Skill by disabling the Linked Skill. If you re-enable a Linked Skill, you will
have to re-link your account.

To use the Skill, you have to speak commands or questions to Alexa. These are
considered “Submissions” under these Terms of Service. Travelers doesn’t
guarantee that Alexa will hear you correctly or accurately translate your
question or command. Please do not send Submissions through Alexa that the Skill
cannot recognize. You will receive responses to your Submissions out loud from
Alexa. Travelers is not responsible if any third parties overhear your commands,
questions or responses. Any communication to Travelers through Alexa will be
treated by Travelers as a communication authorized by you. And any communication
from Travelers through Alexa in response to a request received from your
Connected Device will be treated by Travelers as a communication to you. It is
possible that Alexa (and the equipment Alexa is installed on) and/or Amazon will
record your interactions with the Skill or with Alexa and collect data and
information about your use of the Skill and Alexa. Consult your agreements with
Amazon to learn more about how Amazon and your Alexa-enabled device treat those
interactions.

By enabling the Skill, you are giving Travelers permission to perform the
actions and share with Amazon the information communicated to Travelers or
requested from Travelers. All communications using the Skill go through Amazon
and you expressly are agreeing to this requirement.

Once a Skill is enabled, it is possible for anyone to use the Connected Device
to use the Skill. It is solely your responsibility to maintain the physical
security of your Connected Devices. If the Skill gives you the option of
assigning a PIN number, you should assign a PIN number and keep your PIN number
secure. You are ultimately responsible for any actions or activity initiated
through the Skill.

A Linked Skill may allow you to make payments to Travelers, such as for your
policy premium. By using a Linked Skill to make a payment, you authorized
Travelers to initiate payment(s) in the specified amounts. Any payments using
the Skill will be initiated on the date(s) you direct Alexa to do so, but the
timing of the withdrawal from your payment account will be based on the
financial institution’s processing schedule.

Travelers is not responsible for, and does not provide any support or assistance
for, Alexa, Connected Devices, or for any other hardware or software that
Travelers did not design or write. If you have questions or issues with Alexa,
please contact Amazon.

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©2024 The Travelers Indemnity Company. All rights reserved.

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