Terms & Disclaimers
This document outlines the Terms relating to your use of VTC Insurance Group's web site and provides additional information about VTC Insurance Group and its affiliates. These terms are applicable to your use of this site regardless of how you accessed it. If you do not wish to be bound by these terms, please discontinue accessing this site now.

Privacy Policy
To review information about VTC Insurance Group's Privacy Policy, please visit our Privacy page.

Your Use of this Site
You may not use this site to engage in any illegal activity. You may not use this site to engage in conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party's intellectual property or other proprietary rights. You agree that any information you provide through this site will be truthful and accurate.

E-mails to VTC Insurance Group's Addresses
VTC Insurance Group's e-mail system is a private e-mail system intended only for purposes authorized by VTC Insurance Group. You are not authorized to send numerous unsolicited commercial e-mail messages to any e-mail addresses at vtcins.com. VTC Insurance Group reserves the right to take actions as may be necessary to prevent misuse of its e-mail system by unauthorized parties.

Disclaimer of Warranties
Any information, services, materials, software, calculators or other items on this site are provided "as is" without any warranty of any kind, either expressed or implied, including without limitation the implied warranties of merchantability and fitness for a particular purpose. VTC Insurance Group does not warrant that this site will be always available or error fee. Any risk arising out of use or performance of the information, services, materials or other items remains entirely with you. Under no circumstances will VTC Insurance Group be liable for any damages whatsoever arising out of the use or performance of the information, services, materials or other items.

VTC Insurance Group Intellectual Property Rights
The VTC Insurance Group logo, as well as all logos and graphics using the VTC Insurance Group name are the intellectual property of and /or federally registered trademarks / service marks owned by VTC Insurance Group. VTC Insurance Group may possess intellectual property rights in other logos, words, or phrases not listed here. Intellectual property rights of third parties may apply where noted. Except where otherwise indicated, all materials on this site including, but not limited to graphics, text, software, audio, video, and files, are the property of VTC Insurance Group and are protected by copyright or other intellectual property laws.

VTC Insurance Group reserves all rights to its intellectual property. You may print out a single copy of pages on this site for your personal, non-commercial use provided that all copyright, trademark or other notices are retained. ALL OTHER USES ARE PROHIBITED. You are not authorized to use any portion of this site or any other VTC Insurance Group intellectual property on any other site, in the meta-tags of any other site or in any other materials. You may not modify, publish, create derivative works, copy, distribute, or otherwise use any of this site's content or frame this site within any other site.

Links to and from Other Sites
For your convenience, VTC Insurance Group may provide links to other Internet sites that VTC Insurance Group does not maintain. You should not interpret any link to or from other sites as indicating that VTC Insurance Group sponsors or endorses the sites or their materials or that the sites are affiliated with VTC Insurance Group in any manner. VTC Insurance Group is not responsible for anything contained on such sites and makes no warranties or representations about the contents, products or services offered on such sites.

Availability of Products and Services
VTC Insurance Group does business in certain states in the United States of America. VTC Insurance Group Headquarters are located in Troy, MI. Not all of the products or services described on this site are available in all states or provinces. You may not be eligible for all products and services and VTC Insurance Group reserves the right to determine such eligibility as permitted by law. Where noted, certain products or services may be subject to specific terms, conditions, representations or agreements. The portions of this site related to such products and services provide additional information about terms, conditions representations, agreements, eligibility and availability.

Other Agreements
These "Terms of Use " apply to your use of this site and do not change or alter any other contract or agreement between you and VTC Insurance Group.

Changes to this Document
The content of this site and of these "Terms and Conditions" are subject to change without prior notice.

Applicable Law and Severability
These "Terms of Use " shall be governed by and interpreted according to the laws of the State of Michigan without respect to any conflict of law provisions. If any portion of these "Terms of Use " is unlawful, void or unenforceable, it shall not affect the validity or enforceability of any other provision.

Contact Information
For more information, please visit our Contact page.