Effective June 17, 2002

By using kelleragency.com in any manner (whether browsing, using a calculator or the Kelleragency Auto Coverage Guide, registering for or using the Customer Care Center, following a link, sending an e-mail to an kelleragency.com e-mail address, obtaining or saving or retrieving a premium estimate, making a purchase, or using any other content or materials on thekelleragency.com), you agree to all terms and conditions contained or referenced in these Terms of Use. These Terms of Use apply only to your use of kelleragency.com and do not change or alter any other agreement or contract between you and Kelleragency.

Kelleragency reserves the right, in its sole discretion, to modify or change these Terms of Use at any time without prior notice to you. Your continued use of Kelleragency.com following the posting of any changes to the Terms of Use constitutes acceptance of those changes.

If at any time you choose not to accept these Terms of Use, please do not use this Web site or send e-mail to any Kelleragency.com e-mail address.

Jurisdictional Statement

This Web site is controlled, operated and intended for use only in the United States of America. We do not represent that materials on this Web site are appropriate or made available for use outside of the United States of America.

Privacy Policy

Our Privacy Statement describes our use and protection of nonpublic personal information (“customer information”) and will help you understand how we treat the customer information that we obtain from you or other sources in the course of providing you with products and services. We urge you to read our Privacy Statement.

Ownership of Materials and Restrictions on Use

The information on this Web site, along with any materials (including, for example, press releases and product descriptions) is the copyrighted work of Kelleragency and is protected under United States and worldwide copyright laws and treaty provisions. Kelleragency grants you permission to copy such materials so long as each copy: (i) is solely for informational, non-commercial use and is not modified or revised in any manner; (ii) plainly displays all copyright and other proprietary notices, in the same form and manner as on the original; and (iii) displays a statement that the materials are used solely with permission of Kelleragency. To seek permission for any other use, please contact Kelleragency.

Bulk E-Mail and Other Prohibited E-Mail

The Kelleragency computer network (which includes, but is not limited to, the technology and applications which support the e-mail functionality Kelleragency provides its officers, employees, independent contractor agents, and other authorized users) is the private property of Kelleragency.

Kelleragency prohibits any bulk e-mail transmissions to be sent, or caused to be sent, over the Internet to Kelleragency.com e-mail addresses unless Kelleragency, through one of its officers, has specifically requested or authorized the sending of such bulk e-mail. For purposes of these Terms of Use, the word “bulk” shall mean an e-mail message, or group of identical or similar e-mail messages, sent to more than 20 different Kelleragency.com addresses in any 24-hour period.

Kelleragency also prohibits any e-mail transmissions of the following types to be sent, or caused to be sent, over the Internet to more than 5 different Kelleragency.com e-mail addresses in any 24-hour period unless Kelleragency, through one of its officers, has authorized the sending of such e-mail: (1) commercial advertising; (2) informational announcements; (3) political or religious tracts; or (4) solicitations for funds or donations.

Kelleragency prohibits any e-mail transmission to be sent, or caused to be sent, over the Internet to any Kelleragency.com e-mail addresses if the e-mail is intended to, or appears intended to, harass, embarrass, threaten, defame or impersonate any person, or if the e-mail is pornographic, offensive, indecent, discriminatory or offensive on the basis of sex, color, national origin, race, age, religion, sexual orientation or disability.

Kelleragency prohibits any e-mail transmission to be sent, or caused to be sent, over the Internet to any Kelleragency.com e-mail address that makes use of a forged header or deceptive addressing, or which attempts in any manner to disguise the source of the e-mail.

Kelleragency prohibits the harvesting or collection of the e-mail addresses of Kelleragency agents and/or personal financial representatives from the Kelleragency.com web site for the purpose of sending bulk e-mail to Kelleragency.com e-mail addresses.

kelleragency reserves the right to take all legal and technical steps available, including pursuing civil remedies and criminal prosecution, to prevent bulk or other prohibited e-mail from entering, utilizing or remaining within the kelleragency computer network.

Nothing in this policy is intended to grant any right to transmit or send e-mail to, or through, the kelleragency computer network. kelleragency’s failure to enforce this policy in every instance in which it might have application does not amount to a waiver of kelleragency’s rights.

Links to Other Web Site

This Web site contains links to other sites (including, but not limited to, sites owned and/or operated by Digital Cars, Inc., FinanCenter, ImproveNet, Inc., Weather.com, the kelleragency Arena). kelleragency provides links to other sites as a convenience to persons who visit the kelleragency Web site. If you choose to use the services provided by those sites, you may be asked by those sites to provide certain personally identifiable information (some of which may, on an individual or aggregated basis, be shared with kelleragency). Please be aware that kelleragency is not responsible for the privacy practices of those sites, even though kelleragency’s name or logo may appear on those sites. We encourage you to be aware when you leave our site and to read the privacy policies of each and every Web site that you visit, as the privacy policies of those sites may differ from ours. Our Privacy Statement applies solely to this Web site.

kelleragency is not responsible for the contents of any linked site or any link contained in a linked site.

Links to kelleragency.com

kelleragency appreciates your interest in linking your Web Site (the “Linking Site”) to kelleragency’s Web site, located at www.kelleragency.com. In order to avoid misunderstandings regarding the use of kelleragency’s trademarks, trade names and other proprietary information, kelleragency asks that you review and agree to the following guidelines: Third parties are authorized to include active links on Web sites they control to direct a browser to kelleragency’s “home page” at http://www.kelleragency.com. However, third parties may not include on their Web sites links to any other page maintained on the kelleragency.com Web site unless they have received prior written permission of an officer of kelleragency or unless the Linking Site is an Internet search engine. Framing. Unless you have received specific written permission from kelleragency, you may not (a) “frame” or otherwise impose editorial comment, commercial material or any type of identification on (or in proximity to) content displayed on the kelleragency Web site (“kelleragency Content”), (b) alter or modify kelleragency Content, or (c) “cut and paste” or otherwise reproduce kelleragency Content on the Linking Site. No Archiving. Your link must be to the current kelleragency site only. In permitting linking, kelleragency does not grant you the right to reproduce, modify, cache or archive the kelleragency Content for any purpose. Link At Your Own Risk. kelleragency makes no representations or warranties regarding the kelleragency Web site, which is provided “as is.” Linking Sites link to the kelleragency Web site at their own risk. kelleragency is under no obligation to maintain the kelleragency Web site, provide or update kelleragency Content or otherwise support your link to the kelleragency Web site. Termination. kelleragency may revoke this license immediately if you fail to follow these guidelines. kelleragency may revoke this license upon ten (10) days notice without cause.

Patent Notice

kelleragency Insurance Company is licensed under the following, and related Ronald A. Katz Technology Licensing, L.P. United States Patents: 5,128,984; 5,561,707; 5,684,863; 5,815,551; 5,828,734; 5,917,893; 5,898,762; 5,974,120; and others.