Legal Notices and Conditions of Use
PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS WEBSITE. By using this Website, you agree to these terms of use. If you do not agree to these terms of use, please do not use this Website.

Restrictions on Use of Materials

This Website is owned and operated by HILLTOP HOLDINGS Insurance Company and its affiliates (hereinafter "HILLTOP HOLDINGS"). Any activity on this Website is subject to monitoring by HILLTOP HOLDINGS at any time. Anyone who uses this Website consents to such monitoring and agrees that HILLTOP HOLDINGS may use the results of such monitoring without limitation. No material (the “HILLTOP HOLDINGS Material") from any Website owned, operated, licensed or controlled by HILLTOP HOLDINGS or any of its related, affiliated companies, including, without limitation, HILLTOP HOLDINGS.com (jointly either “Website” or “Website(s)”), may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, without the prior written consent of HILLTOP HOLDINGS, except that you may download and have one copy of any such Material designated for download and use it for your personal, non-commercial use only, provided you keep intact all copyright, service mark and other proprietary notices. It may not be assigned, transferred or transmitted in any way. You are responsible for obtaining any modifications and/or updates therefor, if any, from the HILLTOP HOLDINGS Website(s), and HILLTOP HOLDINGS shall have no responsibility to notify you of the existence of, or need for, any such update or modifications. Modification of the HILLTOP HOLDINGS Material or use of any HILLTOP HOLDINGS Material for any other purpose is a violation of HILLTOP HOLDINGS's copyright, service mark, and other proprietary rights. It is a condition of your use of this or any Website that you do not restrict or inhibit any other user from using this or any Website.

Limitation of Liability

By your access to and use of this, or any, Website(s) you agree that under no circumstances, including, but not limited to, negligence of HILLTOP HOLDINGS or any related or affiliated company, shall HILLTOP HOLDINGS or any of its related or affiliated, companies be liable for any damages, whether direct, indirect, incidental, special, consequential or punitive damages, that relate to, or result from the use of, or the inability to use, the HILLTOP HOLDINGS Material or the Website(s). You specifically acknowledge and agree that HILLTOP HOLDINGS is not liable for any defamatory, offensive or illegal content, or the conduct of any user, or for any content of Website(s). If, in any way, you are dissatisfied or damaged, with or by any of the HILLTOP HOLDINGS Material, or Website(s) or its content, or with any of HILLTOP HOLDINGS's terms and conditions, your sole and exclusive remedy is to discontinue using the Website(s) and any Material from or related thereto.

Disclaimer

HILLTOP HOLDINGS MAKES NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY OF THE CONTENT ON THIS OR ANY OTHER WEBSITE AND HILLTOP HOLDINGS ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT ON THE WEBSITE(S).

THIS WEBSITE, ITS CONTENT AND THE HILLTOP HOLDINGS MATERIAL ARE PROVIDED "AS IS" AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. FURTHER, HILLTOP HOLDINGS DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE HILLTOP HOLDINGS MATERIAL WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU, AND NOT HILLTOP HOLDINGS, ASSUME THE RISK, LIABILITY AND RESPONSIBILITY FOR ANY AND ALL DAMAGE TO YOUR COMPUTER, SOFTWARE OR ANY OTHER SYSTEM, INCLUDING THE SYSTEM YOU ARE USING, AND ALSO INCLUDING ANY OTHER COMPUTERS, EQUIPMENT, SOFTWARE OR SYSTEM LINKED THERETO BY NETWORK OR OTHER ELECTRICAL TRANSMISSION CAPABILITIES, OR TO WHICH ANY MATERIAL, FILE, ITEM, VIRUS, WORMS, OR MESSAGE WAS, OR COULD BE, TRANSMITTED BY YOUR COMPUTER, EQUIPMENT, SOFTWARE OR SYSTEM. IN NO EVENT WILL HILLTOP HOLDINGS BE LIABLE OR RESPONSIBLE FOR ANY DAMAGE TO YOU, TO YOUR SYSTEM OR THE SYSTEM YOU ARE USING.

HILLTOP HOLDINGS DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE HILLTOP HOLDINGS MATERIAL IN THIS WEBSITE IN TERMS OF ITS CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE.

HILLTOP HOLDINGS MAY PROVIDE LINKS AND POINTERS TO INTERNET SITES MAINTAINED BY THIRD PARTIES ("THIRD PARTY SITES") FROM TIME TO TIME AND MAY FROM TIME TO TIME PROVIDE THIRD PARTY MATERIALS ON THIS WEBSITE. NEITHER HILLTOP HOLDINGS NOR ITS RELATED, OR AFFILIATED COMPANIES OPERATE OR CONTROL IN ANY RESPECT ANY INFORMATION, PRODUCTS OR SERVICES ON THESE THIRD PARTY SITES. THE THIRD PARTY MATERIALS IN THIS WEBSITE AND THE THIRD PARTY WEBSITES ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, HILLTOP HOLDINGS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS. HILLTOP HOLDINGS DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE THIRD PARTY WEBSITES, OR THE USE OR THE RESULTS OF THE USE OF THE THIRD PARTY MATERIALS IN THE THIRD PARTY WEBSITES, INCLUDING THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE.

PLEASE NOTE THAT SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU IF TEXAS LAW DOES NOT APPLY DESPITE THE GOVERNING LAW AND JURISDICTION PARAGRAPH BELOW, WHICH NATIONAL LLOYD REQUIRES, AND TO WHICH YOU AGREE.

Governing Law and Jurisdiction

Except as described otherwise, the Website and all materials in the HILLTOP HOLDINGS Website are made available only to provide information about HILLTOP HOLDINGS. HILLTOP HOLDINGS controls and operates this Website from its headquarters in Dallas, Dallas County, Texas, United States of America, and makes no representation that these materials are appropriate or available for use in any other locations. If you access or use this Website from other locations you are responsible for compliance with applicable local laws, but you recognize and agree the Website and any HILLTOP HOLDINGS Materials are being accessed and provided to you at and in Dallas, Dallas, Texas. This Agreement shall in all respects be governed by and construed and interpreted in accordance with the laws of the State of Texas. Venue and jurisdiction for any dispute resulting from or relating to this Website, including its content, or the HILLTOP HOLDINGS Material, shall be solely placed in Dallas, Dallas County, Texas.

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