Acceptance of the Terms of Use

Welcome to the Web sites and applications of (or offered) by Amica Mutual Insurance Company and our subsidiaries and affiliates, including Amica Life Insurance Company, Amica General Agency, LLC and Amica Property and Casualty Insurance Company (collectively “Amica”, “we”, “our” or “us”). The following terms and conditions, together with any documents incorporated by reference (collectively “Terms of Use”), govern your access to and use of all digital products and services from Amica, including www.amica.com, or any other website, mobile application, or other Amica online service or application that posts a link to these Terms of Use (collectively, the “Services”), as well as any features, widgets, plug-ins, content, downloads, functionality and services offered on or through the Services, regardless of how you access or use them (whether via personal computers, mobile devices or otherwise).

Please read the Terms of Use carefully before you start to use the Services. By using the Services, you accept and agree to be bound and abide by these Terms of Use, including the dispute resolution procedures set forth herein, and Amica’s Online Privacy Policy, incorporated herein by reference. If you do not want to agree to these Terms of Use or our Online Privacy Policy, you must not access or use any of the Services.

The Services are offered and made available to users who reside in the United States or any of its territories or possessions and are the age of majority in their jurisdiction. By using the Services, you represent and warrant that you are of legal age to form a binding contract with Amica and meet all of the foregoing eligibility requirements. If you do not meet all these requirements, you must not access or use the Services.

Please note that the section titled “Consumer Protection Notice” includes important limitations on the applicability of these Terms of Use.

Changes to the Terms of Use

We may revise and update these Terms of Use from time to time at our sole discretion, with or without notice, by updating this page or notifying you of the changes. All changes are effective immediately when we post them and apply to all access to and use of the Services thereafter. Any changes to the dispute resolution provisions set forth in Governing Law and Jurisdiction, however, will not apply to any disputes for which the parties have actual notice on or prior to the date the change is posted on the Services.

Your continued use of the Services following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page frequently, so you remain aware of any changes, as they are binding on you. As a condition of your use of the Services and access to Services Content (defined below), you warrant to us that you will not use the Services for any purpose that is unlawful or prohibited by these Terms of Use or applicable law or reproduce or distribute any portions of the Services or Service Content for any commercial use, except as expressly authorized herein.

Accessing the Web sites, Creating an Account and Account Security

We reserve the right to withdraw or amend the Services, and any service or material we provide on the Services, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Services is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Services, or the Services in their entirety, to users, including registered users. We also reserve the right, for any reason and in our sole discretion, to terminate your account, or suspend or otherwise deny you access to it or its benefits without advance notice or liability.

You are responsible for:

Making all arrangements necessary for you to have access to the Services;

Ensuring that all persons who access the Services through your internet connection are aware of these Terms of Use and comply with them; and

Any and all activity that occurs via your account username, password, or personal identification number (“PIN”).

To access the Services or some of the resources offered through the Services, you may be asked to register for an account through an online registration process or provide certain details or other information. It is a condition of your use of the Services that all the information you provide is correct, current and complete and you will update it as needed to keep it accurate. If any information that you provide, or if we have reasonable grounds to suspect that any information that you provide, is false, inaccurate, outdated or incomplete, or violates these Terms of Use or any applicable law, we may suspend or terminate your account. When you register for an account, you agree that you will not select a username (or e-mail address) used by someone else, impersonates another person, belongs to another person, violates the intellectual property or other right of any person or entity, or that is offensive. You agree that all information you provide to register an account with the Services or otherwise, including but not limited to through the use of any interactive features provided through the Services, is governed by our Online Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Online Privacy Policy.

You agree that you will treat any username, password, PIN or any other piece of information as part of our security procedures as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to the Services or portions of the Services using your username, password, PIN or other security information. You agree to notify us immediately of any unauthorized access to or use of your username, password, PIN or any other breach of security. You are solely responsible for all activities that occur under your account, password and username whether or not you authorize the activity. You also agree to ensure that you exit from your account at the end of each session. You should use caution when accessing your account from a public or shared computer so that others are not able to view or record your username, password, PIN or other personal information.

We have the right to disable any account, username, password, PIN or other identifier at any time at our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.

We will not be liable for any loss or damage (of any kind and under any legal theory) to you or any third party arising from your inability or failure for any reason to comply with any of the foregoing obligations in this section.