Legal and Privacy

The websites www.cmregent.com and www.cmregentsolutions.com (the “Website”) is owned and operated by CM Regent Insurance Company and CM Regent Solutions. This notice sets forth the terms and conditions under which you may use the Website (the “Agreement”). Please read this Agreement carefully. Your use of the Website constitutes your acceptance of the following terms and conditions. If you do not accept this Agreement, please do not use this Website. This Agreement may be changed, modified, supplemented, or updated at any time, with or without advance notice. Your use of the Website after any such change, modification, or update constitutes your acceptance thereof. The information contained on this Website is not an offer to sell any product or service offered by CM Regent Insurance Company and/or CM Regent Solutions.

Coverages and Services

This website contains only a general description of coverages and does not include all the terms, conditions, and limitations found in CM Regent Insurance Company and/or CM Regent Solutions policies. The insurance policy, not general descriptions in this Website, will form the contract between the insured and CM Regent Insurance Company and/or CM Regent Solutions. The precise coverage afforded by CM Regent Insurance Company and/or CM Regent Solutions is subject to the terms and conditions of the policies as issued. Neither CM Regent Insurance Company and/or CM Regent Solutions nor its employees, representatives or agents shall be liable to any party for the use of any information or statements made or contained herein.

Customer Privacy Notice

CM Regent Insurance Company and/or CM Regent Solutions does not disclose any nonpublic personal information about its individual policyholders or claimants to any affiliate or any nonaffiliated third party other than those permitted by law and only for the purpose of transacting the business of insurance coverage or claims for its policyholders. CM Regent Insurance Company and/or CM Regent Solutions does not sell any customer or policyholder information to mailing list companies or mass marketing companies. CM Regent Insurance Company and/or CM Regent Solutions treats its policyholder information as confidential. At CM Regent Insurance Company and/or CM Regent Solutions, we will:

a) collect and use only that nonpublic personal information which is necessary or relevant to our business;

b) use only legitimate means to collect personal information and, to the extent practicable, collect such information directly from the individual concerned;

c) make a reasonable effort to determine that the information acted upon is accurate, relevant, timely and complete; and

d) make personal information available externally only when responding to legitimate business inquiries or regulatory authority or as required or permitted by law. Internal access to this information will be limited to those who have a legitimate need for it.

External Links

This website may be linked to other sites not maintained by CM Regent Insurance Company and/or CM Regent Solutions. CM Regent Insurance Company and/or CM Regent Solutions is not responsible for the content of those sites. The inclusion of any link to such sites does not imply approval of or endorsement by CM Regent Insurance Company and/or CM Regent Solutions of the sites or the content thereof.

CM Regent has placed this information on this website as a service to its customers. Although care has been taken to ensure the accuracy, completeness and reliability of the information provided, CM Regent assumes no responsibility. While the information on this site may reference to legal issues, it is not intended as a legal advice or as a substitute for the particularized advice of your own counsel. Anyone seeking specific legal advice or assistance should retain an attorney.

The links provided are being provided as a convenience and for informational purposes only; they do not constitute an endorsement or an approval by CM Regent of any of the products, services or opinions of the corporation, organization or individual. CM Regent bears no responsibility for the accuracy, legality or content of the external site or for that of subsequent links. Contact the external site for answers to questions regarding its content.

The user of the information agrees that the information is subject to change without notice. CM Regent assumes no responsibility for the consequences of use of such information, nor for any infringement of third party intellectual property rights which may result from its use. IN NO EVENT SHALL CM REGENT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL OR INCIDENTAL DAMAGE RESULTING FROM, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS INFORMATION.

Please send privacy inquiries to:

CM Regent Insurance Company
Attn: Marketing and Communications
300 Sterling Parkway, Suite 100
Mechanicsburg, PA 17050
webcomments@cmregent.com

Compliance with Laws

When you use this Website, you are responsible for complying with local laws. CM Regent Insurance Company and/or CM Regent Solutions make no representation that the materials on this Website are available for use in any location. Due to various insurance and other regulatory restrictions, certain products and services described on this Website may not be available in or suitable for all jurisdictions. Further, we make no representation that materials on this Website are appropriate for use outside the United States, or that access to this Website’s content is legal in any other jurisdiction. You may contact CM Regent Insurance Company and/or CM Regent Solutions authorized brokers to find out which products and services are available in your jurisdiction.

Limitation of Liability

To the fullest extent permitted by applicable law, CM Regent Insurance Company and/or CM Regent Solutions will not, under any circumstances, be liable to you for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages, whether based on warranty, contract, tort, or any other legal theory, which result from the use of, or the inability to use, the material on this Website, regardless of whether CM Regent Insurance Company and/or CM Regent Solutions have been advised of the possibility of such damages. CM Regent Insurance Company and/or CM Regent Solutions assumes no responsibility, and shall not be liable for, any damage to your computer equipment or other property that results from your accessing or using this Website or your downloading of any materials, data, text, images, video or audio from this Website. CM Regent Insurance Company and/or CM Regent Solutions may, in their sole discretion, modify or discontinue any of the material on the Website at any time, without notice to you. CM Regent Insurance Company and/or CM Regent Solutions are not liable to you or any third party for the effects of any such modification or discontinuance. Some states do not allow the limitation of liability stated herein, so the foregoing may not apply to you.

Indemnification

You agree to indemnify, defend, and hold harmless CM Regent Insurance Company and/or CM Regent Solutions from and against any and all losses, liabilities, expenses, damages, and costs (including reasonable attorneys’ fees and court costs) arising or resulting from your use of this Website or any violation of this Agreement. If you cause a technical disruption to the Website or the systems transmitting the site to you or others, you agree to be responsible for any and all losses, liabilities, expenses, damages, and costs (including reasonable attorneys’ fees and court costs) arising or resulting from that disruption. CM Regent Insurance Company and/or CM Regent Solutions reserve the right, at its own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case you agree to cooperate with CM Regent Insurance Company and/or CM Regent Solutions in the defense of such matter.

Communications

When you provide your contact information to CM Regent Insurance Company and/or CM Regent Solutions via the Website, you consent to receive electronic communications from CM Regent Insurance Company and/or CM Regent Solutions. CM Regent Insurance Company and/or CM Regent Solutions may communicate with you via e-mail or by sending messages to your online account. You acknowledge that electronic communications may not be encrypted and there is a risk that data, including but not limited to email and personal data, may be accessed by unauthorized third parties. You agree that all notices, disclosures and other communications that CM Regent Insurance Company and/or CM Regent Solutions provides to you electronically satisfy any legal requirement that such communications be in writing. If you do not wish to be contacted electronically, you may revoke your consent by emailing us at webcomments@cmregent.com.

Prohibited Activities

The following is a partial list of activities that are prohibited in connection with the Website. Prohibited activities include, but are not limited to:

a) using the Website for unlawful, unauthorized, fraudulent, or malicious purposes;

b) using the Website in a manner that could damage, disable, overburden, or impair any server, or any network connected to a server;

c) interfering with another person’s use and enjoyment of the Website;

d) using data mining, robots, or similar data gathering and extraction tools with respect to any portion of the Website;

e) gaining unauthorized access to accounts, computer systems, or networks connected to any server or systems; and

f) accessing material, systems, data, or information not intended by CM Regent Insurance Company and/or CM Regent Solutions to be accessible to you.

g) create a false identity for the purpose of misleading others or impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;

h) upload or introduce files that contain viruses, trojan horses, worms, time bombs, cancel-bots, corrupted files, or any other similar software or programs that may damage the operation of another person’s computer or other property;

i) upload or transmit material that infringes any patent, trademark, service mark, trade secret, copyright, or other proprietary right or the privacy or publicity rights of any other person or entity;

j) impersonate another person or entity; or

k) harvest or otherwise collect information about others, including email addresses.

CM Regent Insurance Company and/or CM Regent Solutions reserve the right to investigate and take appropriate action, including but not limited to reporting such violations to law enforcement authorities or suspending or terminating the account of anyone who, in our sole discretion, violates this section of the Agreement.

Website Accounts

You must create an account that is accessible with an authorized username and password in order to access certain portions of the Website. You are solely responsible for maintaining the confidentiality of your username and password. In no event will CM Regent Insurance Company and/or CM Regent Solutions be liable for unauthorized use or misuse of your username or password. You authorize CM Regent Insurance Company and/or CM Regent Solutions to process any and all account transactions initiated through your account. You agree:

a) to provide true, accurate, current, and complete information about yourself when securing an account;

b) not to impersonate any person or entity, misrepresent any affiliation with another person or entity, use false headers, or otherwise conceal your identity from us for any purpose;

c) not to share your username and password with any other person;

d) that you are solely responsible for all activities, charges, damages, or liabilities made or incurred through the use of your username and password. If you do share your account information with anyone, we will consider his or her activities authorized by you;

e) to exit completely from your account at the end of each online session;

f) to immediately notify CM Regent Insurance Company and/or CM Regent Solutions of any unauthorized use of your account or any other breach of security of which you become aware; and

g) not to use anyone else’s account without permission.

CM Regent Insurance Company and/or CM Regent Solutions are not liable for any losses that you may incur as a result of any unauthorized use of your account. However, you could be held liable for losses incurred by CM Regent Insurance Company and/or CM Regent Solutions or another party resulting from someone else’s use of your account.

Confidential Information

Portions of the Website that are password-protected may contain information designated proprietary or confidential by CM Regent Insurance Company and/or CM Regent Solutions (the “Confidential Information”). You agree to keep this information confidential and to use it solely for the purpose of conducting business with CM Regent Insurance Company and/or CM Regent Solutions. You further agree not to alter, decompile, disassemble, reverse engineer, or otherwise modify any Confidential Information. Any employees to whom you disclose Confidential Information must be instructed and agree not to disclose the Confidential Information and not to use it for any purpose not permitted by this Agreement.

Termination

CM Regent Insurance Company and/or CM Regent Solutions reserve the right to terminate your account and prevent you from accessing the Website at any time and for any reason, including but not limited to your violation of this Agreement or applicable law. The violation of any of the terms and conditions set forth in this Agreement shall result in the immediate termination of your right and license to use the material and obligates you to immediately destroy any copies of the material in your possession.

General Provisions

The laws of the State of Pennsylvania will govern any disputes of any kind arising out of this Agreement or your use of the Website, without regard to Pennsylvania’s conflict of laws principles. You agree to submit to personal jurisdiction and exclusive venue in the state and federal courts located in the State of Pennsylvania. You agree that if any part of this Agreement is found to be illegal, invalid, or unenforceable, that provision will be stricken and remainder of the Agreement will remain in full force and effect. The failure of CM Regent Insurance Company and/or CM Regent Solutions to enforce any provision hereof shall not constitute or be construed as a waiver of such provision or of the right to enforce it or any other provision at a later time. You may not assign your rights or delegate your duties under this Agreement without the prior written consent of CM Regent Insurance Company and/or CM Regent Solutions. CM Regent Insurance Company and/or CM Regent Solutions may assign its rights and obligations under this Agreement to any party at any time, without notice to you. Except as expressly provided elsewhere on the Website, this Agreement constitutes the entire agreement between you and CM Regent Insurance Company and/or CM Regent Solutions with respect to your use of the Website.

Regulatory Notice

Company Name
CM Regent Insurance Company
CM Regent Solutions
State of Domicile:
Pennsylvania, Accredited Reinsurer in Delaware
NAIC Code:
12356
States where Authorized:
Licensed as a Producer and TPA in PA and OH
Principle Place of Business:
300 Sterling Parkway, Suite 100, Mechanicsburg, PA 17050