Privacy Policy

Privacy Policy and Terms of Conditions

Terms of Use
Welcome to the Patrons Mutual Insurance Association website. Please review the following “Terms of Use” and note that your use of this Web site constitutes your agreement to follow and be bound by them. If you do not wish to be bound by these Terms of Use, please discontinue using and accessing this site immediately.

Purpose of Use
This website is designed for personal, noncommercial use only. You may not use this website to engage in any illegal activity or engage in conduct that is defamatory, libelous, threatening, or harassing. You agree not to access any restricted portions of this website without proper authorization.

Changes to Site
We may terminate, change, suspend, interrupt, or discontinue any aspect this website or any of its features at any time. We may also restrict certain features and services at our discretion.

Trademarks and Copyrights
All trademarks, service marks, trade names, logos, and icons are proprietary to Patrons Mutual Insurance Association. Nothing contained on the website should be construed as granting any license or right to use any trademark displayed on this site without the written permission of Patrons Mutual Insurance Association.

Images displayed on this website are either the property of or used with permission by Grinnell Mutual. The use of these images by you, or anyone authorized by you, is prohibited unless specifically permitted by Patrons Mutual in writing. Any unauthorized use of the images may violate copyright laws, trademark laws, the law of privacy and publicity, and communications regulations and statutes.

External Links
Any links provided by Patrons Mutual Insurance Association on this or associated web pages are provided solely for your convenience. Patrons Mutual Insurance Association does not maintain, control, approve, endorse, or continually review these websites, or the services, products or data contained or obtained therein, and these Web sites are in no way intended to represent an exhaustive listing of service providers that may be useful to you.

Patrons Mutual Insurance Association makes no warranties or representations, express or implied, regarding the content, data, services, or offers contained in these websites. Patrons Mutual Insurance Association assumes no legal liability or responsibility for losses or damages resulting in any way from the information contained in these websites.

Choice of Law
The laws of the State of Iowa and the United States govern these Terms of Use. Any suit or other action arising out of your use of this site must be brought in the District Court of Poweshiek County, Iowa, or the United States District Court in Des Moines, Iowa.

Limitation of Liability

PATRONS MUTUAL WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM YOUR USE OF THIS WEBSITE. THESE MIGHT INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF (OR INABILITLY TO USE) THE SITES; (2) USE OF (OR INABILILTY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM THIS WEB SITE; (3) FAILURE OF PERFORMANCE; (4) ERROR; (5) OMISSION; (6) INTERRUPTION; (7) DEFECT; (8) DELAY IN OPERATION OR TRANSMISSION; (9) COMPUTER VIRUS; OR (10) LINE FAILURE. WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. FURTHERMORE, EXCEPT AS PROVIDED BELOW, WE ARE NOT LIABLE EVEN IF WE HAVE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES—OR BOTH.

SOME OF THESE LIMITATIONS MAY NOT APPLY TO YOU IF YOU LIVE IN A JURISDICTION THAT FORBIDS OR DISALLOWS THEM.

Disclaimer

THE MATERIAL ON OUR WEBSITE IS PROVIDED AS IS. THIS MEANS THAT PATRONS MUTUAL DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN THE SITE. THIS INCLUDES, BUT IS NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) THAT DEFECTS WILL BE CORRECTED; (4) THAT OUR WEB SITE, OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (5) THAT INFORMATION CONTAINED IN THE WEB SITE IS ACCURATE AS OF ANY PARTICULAR DATE.

Other Agreements
You may have other agreements with Patrons Mutual. These Terms of Use apply to your use of this website and do not change any other contract or agreement between you and Patrons Mutual.

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Privacy Policy
The Patrons Mutual Insurance Association appreciates the trust you place in us when you provide us with the personal information we need when you purchase insurance from us. We take our obligation to protect your information seriously.

This notice provides you with an explanation of where we get information about you when we write your insurance policies and to whom we disclose that information.

In the course of issuing or processing a policy or handling a claim, we may collect information about you from:

The insurance application or other forms (for example, your name, address, date of birth and social security number);

Your transactions with us (such as payment and claims histories);

Consumer reporting agencies (such as your credit or claims history);

Your insurance agent (such as updated information pertinent to your account or information about your policies with other insurers)

Government agencies such as the Department of Motor Vehicles (your driving record)

In addition, if you make a claim for medical payments, we may request information pertaining to your medical history and treatment.

 

We do not gather any personal information electronically from visitors to our Web site.

We treat your personal information with respect and concern for your privacy. We do not sell any of your personal information to any third party. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard the information we obtain from you. In the course of our normal insurance business transactions, we may disclose some information about you to nonaffiliated third parties, but only as permitted by law. Examples of some organizations to whom we might give information are:

Independent claims adjusters or appraisers who would need the information to adjust your claims

A law firm we might hire to defend you in the event of a claim against you

Your insurance agent, to allow for servicing of your policy

Insurance rating organizations who require information for actuarial purposes

Law enforcement or other agencies in response to a subpoena or threat of one, or in connection with suspected fraudulent claims

Our affiliated insurance companies and the county, town, township or statewide mutual insurance companies with whom we do business.

If you have questions about this policy, you may contact us at:

Privacy
Patrons Mutual Insurance Association
200 NE 2nd Street
Stuart, IA 50250-7700

 

  • 200 NE 2nd Street

    Stuart, IA 50250-7700

    515-523-1743

    Contact Us