Rain and Hail L.L.C. Notice of Terms and Conditions for Use of this Site

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

Copyright / Trademark

The Rain and Hail logo, other marks, and the names of various products and services described within this site and offered by Rain and Hail and its subsidiaries are service marks of Rain and Hail.

Permission is hereby granted to use, copy and distribute these materials as presented in this Web site and without alteration for non-commercial purposes, provided that the Rain and Hail copyright notice appears in all copies.

Third-Party Sites

This site contains links to other Internet sites ("third-party sites") that are not maintained by Rain and Hail. These links are provided solely for your convenience. Rain and Hail makes no warranties or representations about the contents of or any products or services offered in such third-party sites. We recommend that you take the time to read the privacy and security policies of these sites.

Arbitration

By accessing this web site and using the information therein available and/or by purchasing any products or services made available through this site, you agree with Rain and Hail, its service providers, affiliates, parents, subsidiaries and any content provider or offeror of goods or services on this site or through any other associated activity, that any claim or dispute you may have against or with any of these persons or entities, whether related to the described transactions or otherwise, including the enforceability of this arbitration agreement, will be resolved by binding arbitration under the Commercial Arbitration Rules of the American Arbitration Association in effect at the time the claim is filed. The Commercial Arbitration Rules are available at www.adr.org or can be obtained by calling 1-800-778-7879. This arbitration agreement is subject to the Federal Arbitration Act (9 U.S.C. ยงยง 1-16). Hearings shall be held as provided by the Commercial Arbitration Rules and if any In-person Hearing is required, it shall be held in Johnston, Polk County, Iowa, USA.

Jurisdiction / Enforceability

Use of this site shall be governed by and construed in accordance with the laws of the State of Iowa without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Polk County, Iowa.

Should any provision of our terms and conditions be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

Limitation of Remedies

It is expressly agreed that any indirect, punitive, consequential or speculative damages or lost profits are expressly waived in any dispute concerning this site.

Products

The information and descriptions contained in this site are intended as general information and are not necessarily complete descriptions of all terms, exclusions and conditions applicable to the products and services offered by Rain and Hail. Product availability may vary by state. The insurance coverage afforded by Rain and Hail is subject to the terms and conditions of the policies issued.

Use of Information and Materials

The information and materials contained in these pages - and the terms, conditions, and descriptions that appear - are subject to change. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance.

International Use

Rain and Hail makes no representation that materials on this site are appropriate or available for use in locations outside the United States, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws.

Disclaimer of Warranties

ALL MATERIALS, INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THIS SITE (THE "CONTENT") ARE PROVIDED "AS IS" AND "AS AVAILABLE" FOR YOUR USE. THE CONTENT IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. RAIN AND HAIL, ITS SUBSIDIARIES, AND ITS LICENSORS DO NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THIS SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS SITE IS SOLELY AT YOUR RISK. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THESE EXCLUSIONS MAY NOT APPLY TO YOU.

Submissions

All information submitted to Rain and Hail via this site shall be deemed and remain the property of Rain and Hail and Rain and Hail shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides Rain and Hail through this site. Rain and Hail shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Rain and Hail entity having the direct customer relationship or as otherwise specifically agreed or required by law.

Termination

Rain and Hail reserves the right, in its sole discretion, to terminate your access to all or part of this site, with or without notice.

Service Sites

Information on any Services page is considered accurate and up-to-date. However, they do not cover all possible crop situations. Therefore, these pages and documents CAN NOT be used in place of any FCIC, NCIS, or Rain and Hail form or publication.