Terms of Service

1. Acceptance of Terms

By accessing and using the Midstate Mutual Insurance Company website ("Website"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Website.

2. Use of Website

This Website is provided for informational purposes about Midstate Mutual Insurance Company and our insurance products. You agree to use this Website only for lawful purposes and in accordance with these Terms.

You agree NOT to:

• Use the Website in any way that violates applicable federal, state, or local laws
• Attempt to gain unauthorized access to any portion of the Website
• Use the Website to transmit any harmful or malicious code
• Interfere with the proper functioning of the Website
• Collect or harvest any information from the Website without authorization

3. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, and software, is the property of Midstate Mutual Insurance Company or its content suppliers and is protected by United States and international copyright laws.

You may not reproduce, distribute, modify, or create derivative works from any content on this Website without our express written permission.

4. Insurance Information Disclaimer

The information provided on this Website is for general informational purposes only and does not constitute insurance advice. Coverage availability, terms, conditions, and pricing may vary based on individual circumstances and are subject to the terms of actual insurance policies.

For specific coverage information, please contact your independent insurance agent or our office directly at 1-800-826-8520.

5. Third-Party Links

This Website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of third-party sites and are not responsible for their content or privacy practices.

6. Disclaimer of Warranties

THIS WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, MIDSTATE MUTUAL INSURANCE COMPANY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF YOUR USE OF THIS WEBSITE.

8. Indemnification

You agree to indemnify and hold harmless Midstate Mutual Insurance Company, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Website or violation of these Terms.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be resolved in the courts of Cayuga County, New York.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after any changes constitutes acceptance of the modified Terms.

11. Contact Information

If you have questions about these Terms, please contact us:

Midstate Mutual Insurance Company
5612 State Route 34 South
Auburn, NY 13021
Phone: 1-800-826-8520
Email: midstate@midstatemutual.com