Policy Terms from Go Partner Dairyland
Last Updated: 6/9/16
Dairyland & Go’s Top 3 Points on Policy Terms
- You control your data. We think products are more enjoyable to use if you know that you’re in control of your data. Any of the information you shared with Dairlyand & Go will only ever be used for seeing if we can give you a better rate on your current coverage
- These terms are designed to make it clear what you receive from our product and that we are committed to giving you great product and service. If you are interested in learning more about them or there is anything we can do to help, we encourage you to ask Go or Dairyland. We like to build the products we want to use, and only being contacted by who you ask, seems best.
- If you choose, the only data you share with Dairyland or Go is the information you give in the app, over a message, or on the phone. With Go, you do not share any information with any one else.
Below is a detailed overview of our partner Dairyland's policy terms.
Dairyland®, Dairyland Cycle® and Dairyland Auto® are brands for auto insurance coverage (technically described as "property and casualty coverages") underwritten by a member of the Sentry Insurance Group, Stevens Point, WI.
We know it is a lot of information and in the spirit of building the products we'd like to use, we encourage you to contact us so we can help in any way possible.
Conditions of Use
Important Note: Your use of any portion of the services constitutes your unconditional acceptance of these terms.
If you have questions regarding these Terms for Dairyland® branded products or services, please contact Sentry by phone at 1-800-334-0090 or by email at Help@DairylandInsurance.com.
You may only use this Services if you are at least 13 years of age. By accessing any portion of the Services, you have a limited license to use the Services and Services, including the limited right to view, bookmark, download and print, for your non-commercial, personal use and information only, those pages of the Services that interest you, subject to any other terms and conditions of use and/or payment in these Terms or on the Services. These Terms cannot be waived or modified by any oral communications between you and Sentry.
Sentry reserves the right, at its discretion, to change, delete, and update portions of these Terms or other policies that govern use of the Services at its discretion, at any time, for any reason, including the right to terminate the Services or any part of the Services. You should review these Terms periodically for changes. Any amendments and modifications by Sentry will be prospective only, and unless otherwise provided in the Terms, will be effective upon being posted on the Services. The Terms can be accessed from the link at the bottom of each Services page. If you use the Services after we post changes to the Terms, you agree to the changed Terms. In the event that any of the Terms are held by a court or other tribunal of competent jurisdiction to be unenforceable, such provisions shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.
Without limiting the disclaimer language in these Terms, the Services information contained on this Services is believed to be accurate at the time of posting. However, occasionally Sentry may find it necessary to make revisions. Sentry reserves the right to make all such changes without notice. Additionally, Service availability varies by state. Not all of the Sentry companies are licensed in each state. Therefore, you can confirm the Services information for Dairyland® branded products or services by contacting Sentry by phone at 1-800-334-0090 or by email at Help@DairylandInsurance.com.
Site Registration and Personal Information and Unauthorized Use
When you register, sign-up for, purchase, or make payments on any Sentry products or services, whether through the payment process, purchasing process or otherwise, you agree to provide true, accurate, current and complete information, whether through questionnaires, registration forms, or other information requests, including, without limitation, passwords, usernames, login IDs, Social Security Number, driver’s license number, credit card and financial information, and other personally identifiable information (collectively, “Personal Information”). You agree not to provide Personal Information that is false, inaccurate, misleading, or fraudulent. You agree to provide Sentry with any information reasonably requested by Sentry related to the provision of the Services. You are solely responsible for all transactions and transmissions that occur through the use of your Personal Information, and it is your responsibility to maintain and promptly update your Personal Information. You agree that Sentry is not liable to you or any third party for damages or losses related to the accuracy or disclosure to Sentry of your Personal Information. It is your responsibility to maintain the confidentiality of your Personal Information, including your password for the Services. This will assist in preventing unauthorized use or misuse of the Services and protects you, Sentry and other Services users. If you believe that someone has used your Personal Information to access any Dairyland® branded products or services without your authorization, please contact Sentry immediately by phone at 1-800-334-0090 or by email at Help@DairylandInsurance.com.
Disclaimers and Limitations of Liability
YOU AGREE THAT SENTRY, ITS SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, AND SUPPLIERS (COLLECTIVELY THE “SENTRY PARTIES”) HAVE LIMITED LIABILITY TO YOU FOR ANY DIRECT CONSEQUENTIAL, SPECIAL, INDIRECT, INCIDENTAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOST PROFITS, LOST DATA OR BUSINESS INTERRUPTION) THAT YOU CLAIM ARISE FROM THE USE OF THE Services, AND/OR ANY LINKED service, WHETHER IN CONTRACT, TORT, TRESPASS OR OTHERWISE AND WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SERVICES, SERVICES AND/OR LINKED serviceS IS TO STOP USING THE SERVICES AND/OR THOSE SERVICES. TO THE EXTENT ANY ASPECTS OF THE FOREGOING LIMITATIONS OF LIABILITY ARE NOT ENFORCEABLE. THE MAXIMUM LIABILITY OF THE SENTRY PARTIES IS LIMITED TO THE LESSER OF THE AMOUNT (IF ANY) PAID BY YOU TO SENTRY TO PURCHASE THE PARTICULAR PRODUCTS OR SERVICES WHICH FORM THE BASIS OF YOUR CLAIM, OR THE AMOUNTS PAID BY YOU TO SENTRY TO PURCHASE PRODUCTS OR SERVICES IN THE THREE (3) MONTHS PRECEDING ANY CLAIM WHERE YOUR CLAIM DOES NOT RELATE TO PRODUCTS OR SERVICES PURCHASED, OR $100 IF YOU HAVE NOT PAID ANY AMOUNTS TO SENTRY. IF YOU LIVE IN A STATE THAT DOES NOT ALLOW THE WAIVER OF CERTAIN WARRANTIES, OR LIMITATIONS OR DAMAGES WAIVERS DESCRIBED IN THIS SECTION, SOME OF THESE WAIVERS AND LIMITATIONS MAY NOT APPLY TO YOU. YOU AGREE TO PROMPTLY NOTIFY SENTRY IN WRITING IF YOU BELIEVE YOU HAVE ANY CLAIM AGAINST THE SENTRY PARTIES, AND, IN ANY EVENT, YOU AGREE THAT ANY CLAIM NOT BROUGHT WITHIN ONE YEAR OF YOUR DISCOVERY SHALL BE DEEMED WAIVED AND RELEASED.
TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT ALL INFORMATION, SERVICES, SOFTWARE AND CONTENT AVAILABLE THROUGH THE Services, AND THE Services ITSELF, ARE FURNISHED FOR GENERAL INFORMATIONAL PURPOSES ONLY, AND ARE FURNISHED TO YOU ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY IMPLIED OR EXPRESSED WARRANTY OF ANY KIND (INCLUDING WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SUITABILITY, SECURITY, CORRECTNESS AND NON-INFRINGEMENT). THE SENTRY PARTIES MAKE NO REPRESENTATION OR WARRANTY REGARDING, ARE NOT RESPONSIBLE FOR, AND DISCLAIM ALL LIABILITY FOR, THE CONTINUED AVAILABILITY, RELIABILITY, ACCURACY, RESULTS OR PERFORMANCE OF THE Services OR ANY MATERIAL ON THE Services, THE PERFORMANCE OF THE INTERNET, THE DOWNLOADING COMPATIBILITY OF ANY MATERIALS OR SOFTWARE WITH YOUR COMPUTER SYSTEM, THE EXISTENCE OF ANY VIRUS, WORM, MALICIOUS CODE OR OTHER DISABLING DEVICE FROM ANY SOURCE, THE UNAUTHORIZED ACCESS TO OR USE OF YOUR INFORMATION BY A PARTY OTHER THAN SENTRY, ANY TECHNICAL FAILURES (INCLUDING HARDWARE OR SOFTWARE FAILURES), INCOMPLETE, SCRAMBLED, OR DELAYED COMPUTER TRANSMISSIONS, AND/OR TECHNICAL INACCURACIES, OR LOSS OR USE OF DATA, AS WELL AS UNAUTHORIZED ACCESS OF USER TRANSMISSIONS BY THIRD PARTIES ARISING OUT OF OR RELATED TO THESE TERMS. NO ONE IS AUTHORIZED TO MAKE ANY WARRANTY ON SENTRY’S BEHALF, AND YOU CANNOT RELY ON ANY OTHER STATEMENT OF WARRANTY. YOU ASSUME RESPONSIBILITY FOR THE ACCURACY, APPROPRIATENESS, AND LEGALITY OF ANY INFORMATION YOU SUPPLY TO SENTRY.
Any references on the Services to product or service warranties provided by Sentry related to products or services already purchased by you are provided for informational purposes only. These references are not intended to extend, republish, or modify any warranties that accompanied the products or services at time of purchase or to create new warranties. When you provide Sentry with an e-mail address for information delivery or otherwise request a non-secure delivery of information, you agree not to hold Sentry responsible for any misuse or unauthorized viewing of that information.
In consideration of your use of the Services, you hereby agree to indemnify the Sentry Parties (and any of its third party service providers) from and against any and all claims, losses, liabilities, damages, costs and expenses (including, without limitation, reasonable attorneys’ fees and costs) arising out of or related to: (i) your (a) breach of these Terms, (b) violation of any person’s or entity’s legal rights (including, without limitation, copyright, patent, trade secret, trademark, or other proprietary rights, or publicity, contract, moral, or privacy rights) (c) violation of any applicable law, rule or regulation, or (d) negligence, recklessness, or misconduct; or (ii) unauthorized use of your Personal Information by a party other than Sentry.
Sentry controls and operates the Services from our offices within the State of Wisconsin in the United States. If you choose to access the Services from other locations, you do so at your own risk and initiative and are responsible for compliance with any applicable local laws and regulations. You agree that the laws of the State of Wisconsin (excluding any choice of law rules) govern your rights and obligations relating to Sentry and your use of the Services.
No failure to exercise and no delay in exercising, by Sentry, any right, power or privilege hereunder shall operate as a waiver hereof, except as expressly provided herein. Any waiver by Sentry of a breach of any provision of these Terms shall not be deemed to be a waiver of any other or subsequent breach and shall not be construed to be a modification of the Terms unless and until agreed to in writing by Sentry.
If a dispute arises between you and any of the Sentry Parties, it is the goal of Sentry to work in good faith with you to quickly and amicably resolve the dispute. All disputes, claims, or controversies (“Claims”) arising under or relating to these Terms, the Services, or the Services that cannot be resolved informally, will be finally resolved by binding arbitration as described herein.
Any dispute arising under or related to these Terms, the Services, or the Services (including the arbitrability of such a dispute and the existence, validity, interpretation, performance, termination or breach thereof) shall be finally settled by binding arbitration by a single arbitrator in accordance with the then-current Commercial Arbitration Rules of the American Arbitration Association (“AAA”), with the arbitration to be commenced no later than one (1) year after such Claim accrues. If you fail to commence binding arbitration within one year after such Claim accrues, it shall be deemed forever waived. A judgment upon an arbitrator’s award may be entered by any court of competent jurisdiction. The arbitrator shall be an expert in the field of Internet services. To the extent permitted by applicable law, you agree that there shall be no class action arbitration related to these Terms, the Services, or the Services. All parties shall bear their own expenses, except that the parties shall equally share the expenses of the arbitrator (except for the required non-refundable filing fees which shall be paid solely by the party asserting the related Claim).
The above obligations to arbitrate shall not: (i) apply to violations of the Restrictions on Use of Sentry Materials contained above; or (ii) prevent a party from seeking a preliminary injunction, temporary restraining order, specific performance or other procedures in a court of competent jurisdiction to obtain interim relief when deemed necessary by such court to preserve the status quo or prevent irreparable injury pending resolution by arbitration of the actual dispute.
Exclusive jurisdiction and venue for arbitration or any other legal action or proceeding in any way related to the Services, the Services, or these Terms shall be in Stevens Point, Wisconsin. Any matter brought before a court shall be brought solely in the state or federal courts located in Stevens Point, Wisconsin. The parties hereby waive their right to a jury trial.
For purposes of these Terms, the parties hereto shall be independent contractors and neither shall at any time be considered an agent or employee of the other. No joint venture, partnership, or like relationship is created between the parties by the Terms.
QUOTING OR PURCHASING A POLICY
Sentry is required by law to provide you with certain disclosures and information about the insurance policy (the "Policy") available to you for purchase ("Required Information"). With your consent, Sentry can deliver Required Information to you quickly and conveniently by displaying the Required Information on the Services electronically and requesting that you print the Required Information and retain it for your records.
THIS NOTICE CONTAINS IMPORTANT INFORMATION THAT YOU ARE ENTITLED TO RECEIVE BEFORE YOU CONSENT TO ELECTRONIC DELIVERY OF REQUIRED INFORMATION. YOUR CONSENT ALSO PERMITS THE GENERAL USE OF ELECTRONIC RECORDS AND ELECTRONIC SIGNATURES IN CONNECTION WITH YOUR POLICY. PLEASE READ THIS NOTICE CAREFULLY AND PRINT OR DOWNLOAD A COPY FOR YOUR FILES.
Your acceptance of the Terms of the Services indicates your agreement to receive Required Information from Sentry electronically and to the general use of electronic records and electronic signatures in connection with your policy with Sentry.
ELECTRONIC DISCLOSURE STATEMENT
You may request to receive Required Information on paper, but if you do not consent to electronic delivery of Required Information it will not be possible for you to purchase or maintain the Policy with Sentry via the foregoing online paperless process (although alternate methods of obtaining insurance coverage with Sentry will continue to be available). When you consent to electronic delivery of Required Information, you may still withdraw that consent at any time. However, withdrawing your consent will result in the termination of your right to access certain portions of the Services. Your consent to electronic disclosures applies to any Required Information Sentry gives you or receives from you in connection with your Policy over the life of Sentry's relationship with you. The Required Information covered by the consent includes, among other things, notices, disclosures, agreements, communications, account statements and receipts. You agree to print out Required Information when we advise you to do so and keep it for your records. If you have any trouble printing out any Required Information, you may call Sentry and request paper copies at 1-800-334-0090. If you need to update your contact information with Sentry, you may do so by calling 1-800-344-0090. If you wish to withdraw your consent to electronic disclosures, you may do so by sending Sentry an e-mail at Help@DairylandInsurance.com for Dairyland® branded policy.
After consenting to receive and deliver Required Information electronically, you may request a paper copy as well by calling 1-800-344-0090 or by email at Help@DairylandInsurance.com for Dairyland® branded policy.
To access and retain electronic disclosures from Sentry, you must be able to view the disclosures on your display and send screen prints to your printer. Most Internet browsers provide a convenient method of printing the material you view on your monitor. In order to receive Required Information you should be using either Microsoft Internet Explorer version 8.0 or later, or a comparable Internet browser.
YOUR AGREEMENT TO THE TERMS OF THE SERVICES INDICATES YOU HAVE READ THE INFORMATION ABOUT THE USE OF ELECTRONIC RECORDS, DISCLOSURES, NOTICES, AND E-MAIL, AND CONSENT TO THE USE OF ELECTRONIC RECORDS FOR THE DELIVERY OF REQUIRED INFORMATION IN CONNECTION WITH YOUR POLICY WITH SENTRY; YOU ARE ABLE TO VIEW THESE DISCLOSURES USING YOUR COMPUTER AND SOFTWARE; YOU HAVE AN ACCOUNT WITH AN INTERNET SERVICE PROVIDER; AND YOU ARE ABLE TO SEND E-MAIL AND RECEIVE E-MAIL WITH HYPERLINKS TO serviceS. YOU ALSO CONSENT TO THE USE OF ELECTRONIC RECORDS AND ELECTRONIC SIGNATURES IN CONNECTION WITH YOUR POLICY WITH SENTRY, IN PLACE OF WRITTEN DOCUMENTS AND HANDWRITTEN SIGNATURES.
Viewing the Services
Applicable law requires that certain statements and documents made available on the Services be provided in a particular font size. In using this Services, you acknowledge that your iPhone resolution is set to standard sizes and your Adobe "PDF" app or document viewing app is set to a standard mobile viewing size. This will ensure that all statements and documents will be viewed at the proper size. You further acknowledge that when printing any statements or documents from the Services that they will be printed using the foregoing settings.
In order to retrieve a saved quote or policy documents via the Services, you need to create a password. This password is for your protection. Your acceptance of the Terms of the Services indicates your agreement to maintain the confidentiality and integrity of your password. Unauthorized use of your password does not create liability on the part of Sentry. Sentry reserves the right to require you to periodically change your password. You shall not disclose your password to anyone else, and you shall not use anyone else's password. You agree to notify Sentry immediately about any unauthorized use of your password or any breach of security. You further agree that Sentry is not responsible for any failure on your behalf to comply with the password requirement or any loss or damage arising out of, or related to, the use of your password by you or anyone other than Sentry.
Online Document Retrieval
Policy documents that you create while using the Services are only available online for at least 30 days, but not to exceed 3 years. These documents may include, but are not limited to, applications, mandatory signature forms and temporary ID cards. After this temporary availability has passed, you may retrieve these documents by contacting our customer service department at 1-800-334-0090 or by email at Help@DairylandInsurance.com for Dairyland® branded policies and services to have those documents sent to you. Saved quotes created on the Services are available online up to 30 days if a username and password are created. However, should a valid business need arise, this online availability may be temporarily removed.
Insurance Score/Consumer Report
We will not order your credit history or order a credit-based insurance score if it is prohibited by your state's laws.
Insurance scoring is a system used to determine credit worthiness and the stability of prospective financial and insurance applicants. Information about you and your credit experiences, such as your bill-paying history, the number and type of accounts with late payments, collection actions, outstanding debt and the age of your accounts is collected from your credit report. Using a statistical program, specialized companies compare this information to the credit performance of consumers with similar profiles. An insurance scoring system awards points for each factor and a final score is computed.
In connection with this application for insurance, we may review your credit history or obtain or use a credit-based insurance score based on the information contained in that credit history. We may use a third party in connection with the development of your insurance score. Your agreement to the Terms of the Services indicates your consent that we may order this report.
We cannot use credit history or an insurance score for any arbitrary, capricious, or unfairly discriminatory reason. Additionally, credit history or an insurance score based wholly or partly on residence, sex, race, color, creed, occupation, income, physical handicap or disability of an applicant or insured is prohibited. The information acquired to do the insurance scoring will be kept confidential and will only be used by our company to determine your rate.
By using Dairyland’s service, you are allowing the company to enroll you in ‘Bill Alerts’. The company will send you a reminder of your bill amount via email or text to the email address or phone number you added. The company will not share your phone number or email address with any other company. If you wish to discontinue receiving these bill alerts in the future, you can do so at any time.
Motor Vehicle Report
A routine inquiry may be made to obtain the motor vehicle records of all drivers of the vehicle(s) being insured. We may also obtain information from previous insurance companies. Reports received may contain information concerning character, general reputation, personal characteristics and mode of living. Upon written request, additional information as to the nature and scope of the report, if one is made, will be provided. Your agreement to the Terms of the Services indicates your consent that we may order this report.
Sentry will verify the information you have given. Your agreement to the Terms of the Services indicates your authorization of Sentry Insurance Group to obtain investigative consumer reports including motor vehicle records, loss reports and credit reports, as necessary to evaluate your application.
FAILURE TO DISCLOSE ALL ACCIDENTS AND CONVICTIONS MAY JEOPARDIZE COVERAGE OR CHANGE QUOTED POLICY PREMIUMS.
EFT/Credit Card Use
After your Apple Pay payment you must authorize Sentry to draw funds from a credit card account for your ongoing payments. The initial down payment will be made using Apple Pay. Should you choose to pay your monthly installments by electronic fund transfer, you represent that you are the authorized owner of that bank account and authorize Sentry to initiate debit entries for the amount specified, at the depository financial institution indicated, and to debit specified amounts from such savings or checking bank account. You agree that your authorization will remain in full force and effective until Sentry has received notice from you of its termination in such time and in such manner as to afford Sentry a reasonable opportunity to act on it. Your agreement to the Terms of the Services represents and warrants that (A) you are legally authorized to use the accounts provided in the online payment section, (B) any credit card, debit card and bank account information you supply is true, correct and complete, and (C) charges incurred by you will be honored by your credit card company or bank.
For California Customers
Standard Broker Disclosure
This disclosure was prepared by the California Insurance Commissioner. Please read it carefully.
- Do not sign any broker fee agreement unless all of its blank lines and spaces have been filled-in and you have read this entire document and the agreement carefully.
- Your insurance broker represents you, the consumer, and is entitled to charge a broker fee if he/she chooses. This fee is not set by law, and may be negotiable between you and the broker.
- It is illegal or improper for an insurance broker to charge you a fee for placing coverage solely with the California Automobile Assigned Risk Plan or the California FAIR Plan. Fees may be charged for placement of other coverages.
- Broker fees are often non-refundable even if you cancel your coverage. Refer to your broker fee agreement to see if your broker fee is non-refundable. However, you may be entitled to a full refund of a broker fee if your broker acted incompetently or dishonestly. Unresolved disputes over non-refunded broker fees can be forwarded to the Department of Insurance for review.
- You are entitled to obtain and keep a completed copy of this disclosure and any broker fee agreement you sign.
- Your broker may receive commission from insurance company(ies) for placing your insurance. This commission may be paid to your broker by the insurance company(ies) in addition to any broker fee you pay.
- If you will be paying your premium in installments to a finance company, by law you must receive a copy of a premium finance disclosure and agreement. Be sure to obtain and read those documents before signing a premium finance agreement. Also, ask the broker if the insurer offers its own installment payment plan. Insurer installment plans are often cheaper than premium financing through a separate premium finance company.
- If your broker is placing automobile coverage, your broker must provide you with a copy of the current Department of Insurance Automobile Insurance pamphlet. If your broker is placing residential coverage, your broker must provide you with a copy of the current Department of Insurance Residential Insurance pamphlet. By signing this disclosure you acknowledge receipt of the appropriate pamphlet(s).
Standard Broker Free Agreement
- The parties to this agreement are ______________________________________________ ("customer buying insurance") AND Premier Insurance Services Inc, California Department of Insurance License Number 0E77904 ("BROKER").
- CLIENT appoints BROKER as CLIENT'S insurance broker of record.
- This agreement shall become operative on date Apple Pay was completed, and shall continue in full force until terminated by either party.
- BROKER agrees to represent CLIENT honestly and competently.
- CLIENT agrees to pay BROKER a broker fee for BROKER'S services. The broker fee is listed in the Premier Services agreement. The broker fee IS NOT refundable .
- BROKER may in the future charge CLIENT, and CLIENT agrees to pay, additional fee(s) for the services listed below. The additional fees and services are:
EFT Installment/Renewal $6.40
- Following are the nature and amount of all fees known to BROKER that will be charged by persons other than BROKER or the insurance company in connection with current placement of CLIENT's insurance. These fees are not retained by BROKER.
The following signatures are sent in your emailed poilcy:
95 Federal St.
San Francisco, California 94107