All information and materials, including graphics and videos, in the MYACCOUNT.CALVOS.COM website, is for your personal and non-commercial private use only. Modifying, reposting, or transmitting anything from this website, including downloaded files or documents, is prohibited, unless you first obtain our consent. We request that you do not create any kind of link from any other site going to ours unless permitted by us. And you agree not to take part in a systematic retrieval of information or data or any other content from MYACCOUNT.CALVOS.COM.
Payments for certain insurance products can be made on-line with selected credit/debit cards through this website. The payment processing service ("Payment Service") is provided by a third party.
These terms and conditions will apply to the Payment Service provided by the third party provider. Any reference to the phrase "this web site" in these terms and conditions also incorporates by definition the third party's website.
By using the Payment Service you agree to the following terms and conditions.
Please read the following sections carefully.
LIMITATION OF LIABILITY
CALVOS INSURANCE WILL NOT BE HELD RESPONSIBLE FOR INJURIES OR DAMAGES RESULTING FROM THE USE OF OUR WEBSITE. THESE INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES OR INJURIES CAUSED BY: THE USE OF, OR INABILITY TO USE, OUR WEBSITE; THE USE OF, OR INABILITY TO USE, ANY SITE WHICH WAS HYPERLINKED IN OUR WEBSITE; OUR SITE’S PERFORMANCE FAILURES; OMISSIONS ON OUR WEBSITE; SITE INTERRUPTIONS; DEFECTS; OR COMPUTER MALWARES OR VIRUSES. WE ARE NOT LIABLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES, EITHER DIRECTLY OR INDIRECTLY, OR FOR ANY MISCELLAENEOUS DAMAGES OR EXPENSES RESULTING FROM THESE INCIDENTS OR CONSEQUENCES, OR FROM THE USE OF THE WEBSITE. FURTHERMORE, EXCEPT AS PROVIDED BELOW, WE ARE NOT LIABLE EVEN IF THERE WAS NEGLIGENCE ON OUR PART OR ON THE PART OF OUR AUTHORIZED REPRESENTATIVES.
HOWEVER, IF THE LAW DOES NOT ALLOW US TO EXCLUDE LIABILITY FOR THESE CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY AND YOU MAY HAVE THE RIGHT TO RECOVER THESE TYPES OF DAMAGES. IN ANY EVENT, OUR LIABILITY TO YOU FOR ALL DAMAGES, INJURIES, LOSSES, AND CLAIMS OF ANY KIND, WILL NOT EXCEED THE DOLLAR AMOUNT YOU HAVE PAID TO ACCESS OUR WEBSITE OR $1,000, WHICHEVER IS LESSER.
DISCLAIMER
THE DATA ON OUR WEBSITE IS PROVIDED AS IS. THEREFORE, CALVOS INSURANCE DISOWNS ALL IMPLIED AND STATED WARRANTIES ABOUT THE DATA IN THE WEBSITE. THIS INCLUDES, BUT IT IS NOT LIMITED TO, WARRANTIES THAT: THE FUNCTIONS DESIGNED FOR THE WEBSITE WILL BE UNINTERRUPTED OR FREE FROM ERRORS; THE DATA PROVIDED IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS DESIGNED FOR A PARTICULAR PURPOSE; DATA WILL BE SECURE; THAT OUR WEBSITE OR THE SERVERS THAT SERVE IT ARE FREE FROM ANY KIND OF MALWARE OR VIRUSES OR OTHER HARMFUL CONDITIONS OR ELEMENTS; THAT DEFECTS IN THE WEBSITE WILL BE CORRECTED; OR THAT INFORMATION FROM THE WEBSITE IS ACCURATE AT ANY GIVEN TIME.
ALL IMPLIED TERMS CONDITIONS AND WARRANTIES REGARDING THE FUNCTIONALITY AND SECURITY OF THE PAYMENT SERVICE ARE EXCLUDED TO THE FULLEST EXTENT POSSIBLE, EXCEPT FOR THOSE THAT CANNOT BE LAWFULLY EXCLUDED.
• You will inform CALVOS INSURANCE immediately if you believe or if you are sure that anyone else has learned your password or if you believe that an unauthorized access to your online account or your personal information has occurred or may occur;
• Violation to any of the Terms and Conditions of Website Use may lead to a revocation or cancellation of your CALVOS INSURANCE website access privileges.
YOU AGREE AND ACKNOWLEDGE THAT INTERNET TRANSMISSIONS ARE NEVER ENTIRELY SECURE OR PRIVATE AND THAT ANY INFORMATION SENT BY YOU (INCLUDING CREDIT/DEBIT CARD INFORMATION) MAY BE READ OR INTERCEPTED BY OTHERS. WE HAVE NO LIABILITY TO YOU ARISING OUT OF OR IN CONNECTION WITH THE INTERCEPTION OF DATA BY UNAUTHORIZED PARTIES OR FOR ANY EVENTS BEYOND THE REASONABLE CONTROL OF CALVOS INSURANCE.
There may be cases that out website will link you to other sites or the World Wide Web (www) or cases where you can reach our website from another site. However, this does not mean that we endorse or support any products or services or information offered to you on these sites. The URL (Uniform Resource Locator) address box in your web browser (e.g. Mozilla Firefox, Safari) will tell you if you are still in the MYACCOUNT.CALVOS.COM website or have moved elsewhere.
CALVOS INSURANCE does not in any way promise that the materials we provide on our website will remain available to you or that you will qualify for the products, services, or promotions that we offer. CALVOS INSURANCE is entitled to terminate all or part of any of its website at any time, without prior notice to you.
When you register or sign-up to access your CALVOS INSURANCE online account, you agree to the following conditions:
• CALVOS INSURANCE is not liable for any unauthorized access to your CALVOS INSURANCE online account or personal information that is not directly due to our negligence;
• CALVOS INSURANCE is authorized to act on instructions received under your password without a requirement to question these instructions;
• You will keep your password confidential and in secret;
• CALVOS INSURANCE may block or deny access made using your password under your online account without prior notice if we believe your password is being used by someone other than yourself, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so;
PRIVACY POLICY SUMMARY:
• We do not collect personal information or data from you when you visit our website or your online account with us unless you affirmatively provide it to us.
• We obtain your personal information directly from you, from your transactions with us, and from third parties.
• We will not sell your information to third parties.
• We do not allow third parties to collect personal information from your computer or mobile device when you visit our website.
• We extensively limit access to your personal information and employ a password system to secure it.
• We protect information about current, former, and potential policyholders.
• A third party that performs services for us are required to safeguard any customer information and may only use it in connection with performing those services.
PAYMENT MODIFICATION AND CANCELLATION
Without notice or liability to you CALVOS INSURANCE may in its sole discretion and at any time:
1. Vary the credit/debit cards accepted by it and/or the insurance products that may be paid for through the Payment Service.
2. Cancel or suspend the Payment Service or alter any part of it.
PAYMENT MADE
When making a payment via the Payment Service, your payment will not be deemed to have been made until such time as:
1. You have entered via the Payment Service your name, the details of a current and valid credit/debit card of a type which we accept and all other information required by CALVOS INSURANCE to obtain payment from your credit/debit card issuer (together "Information");
2. We receive all of the Information from you; and
3. We have successfully made a charge against your nominated credit/debit card and have received full payment for all applicable amounts due for the policy/policies.
If we receive payment from your credit/debit card issuer but it is subsequently reversed or dishonored for any reason whatsoever then the payment will be deemed not to have been made to us.
If any previous period of insurance has expired before CALVOS INSURANCE receives full payment then you will be uninsured during that intervening period.
YOUR INFORMATION
In entering and submitting the Information to us you are:
1. Authorizing CALVOS INSURANCE to use the Information to request and obtain payment from your credit/debit card issuer.
2. Warranting to CALVOS INSURANCE that:
a. You are authorized to incur charges against the credit/debit card used for payment; and
b. You have verified that the Information is accurate and complete before submitting the Information for processing.
CALVOS INSURANCE shall have no liability to you whatsoever and howsoever arising if your warranties above are untrue.
CONFIRMATION
In its sole discretion CALVOS INSURANCE may or may not issue a confirmation to you about your payment transaction (whether via the web site, by email or otherwise). Whether a valid payment is made does not depend on CALVOS INSURANCE issuing or generating, or you receiving, a confirmation of the transaction.
SECURITY
You are responsible for keeping the computer you are making the payment from free from viruses and malicious programs, and maintaining all appropriate security measures. You acknowledge that your failure to do so may lead to, amongst other things, the interception of data by unauthorized parties. CALVOS INSURANCE shall have no liability to you whatsoever if you suffer any loss that is caused wholly or in part by your failure to keep secure the computer you are making a payment from.
JURISDICTION
Unless otherwise specified, the information in our website are provided for you to know about your Policy account with us, your billing statements and dues, our insurance services, and promotions. CALVOS INSURANCE operates and controls its website (MYACCOUNT.CALVOS.COM) from the company’s main office in Hagatna, Guam, in the United States of America, and Guam law shall govern and control any action concerning the website. We do not imply any information on the website or the products and services we discuss are available or for use outside Guam or in jurisdictions in which we are not licensed to do business, or that we are imploring business in any such jurisdiction. By requesting for an on-line request for a rate quotation, you confirm that you are not a resident in any such jurisdiction.
By using the MYACCOUNT.CALVOS.COM website, you agree to these Terms and Conditions of Website Use.
MISCELLANEOUS
These Terms and Conditions of Website Use and Online Payment, and the agreement they create, shall be governed by and understood according to Guam laws, without giving effect to Guam’s conflict of laws principles.
If any of the provisions in the agreement is unlawful, void, or unenforceable, it shall not, in any way, affect the validity and enforceability of any remaining provisions.
CALVOS INSURANCE may modify these Terms and Conditions, and the agreement they create, at any time, by updating this posted information on its website and without notice to you.
CALVOS INSURANCE UNDERWRITERS, INC. and its affiliates provide Automobile, Homeowner, and other types of insurance, all for qualified applicants.