Binding Effect:
By accessing this Patrons Oxford website or any of its pages, you agree to be bound by the following terms and conditions. Please read them carefully. If you do not agree that these terms and conditions shall govern your use of our website, you are not authorized to access or use this site. In such event, please immediately log off this website and do not access this site or any of its pages again.

Patrons Oxford reserves the right to change or update this website anytime at its sole discretion. All information and materials on this site are subject to revision or amendment at any time without notice.

The terms and conditions that govern your use of our website likewise may be amended at any time by posting an updated and revised Terms of Use page on this site. You will be bound accordingly if you thereafter access this website. Each and every time that you access the Patrons Oxford website or any of its pages, you shall be deemed to have agreed to the then current Terms of Use.

Disclaimer:
Patrons Oxford Insurance Company ("Patrons Oxford") is an insurance company chartered in Maine in 1877. Patrons Oxford only sells insurance policies through independent insurance agents in these states, and nothing in this site should be construed as a solicitation or invitation for consumers to do business with Patrons Oxford on a direct basis. The information and materials contained on this site do not, and are not intended to constitute, an advertisement, offer to sell or solicitation in any state in which Patrons Oxford is not licensed to do business, nor with respect to types of insurance policies which Patrons Oxford is not authorized to sell in a particular state. To review and understand the Patrons Oxford policies and coverages that would best serve your specific needs, please contact your independent agent.

Description of Policy Coverages:
The information and product descriptions contained in this website are provided solely for general informational and illustration purposes, as a convenience to current and prospective customers and agents of Patrons Oxford and as a public service. The policies referenced on this site are not available in all jurisdictions, and some Patrons Oxford policies may vary in a particular state from what is described on this site.

This site does not intend or attempt, moreover, to provide full and complete descriptions of all the benefits and limitations found in policies that Patrons Oxford might issue in a particular instance. The precise terms, coverage, conditions and exclusions of the specific written insurance policy that Patrons Oxford actually issues and delivers in a particular instance, rather than general descriptions on this website, will form the four corners of the contract between an insured and Patrons Oxford. Furthermore, your eligibility to purchase any particular Patrons Oxford policy will be subject to final determination and acceptance by Patrons Oxford or its authorized representatives, in their sole discretion. You should carefully review all materials delivered to you in connection with your purchase of a Patrons Oxford policy. If you have any questions in this regard, please contact your Patrons Oxford agent.

No Warranty:
The information and materials on this website are provided "as is" and without warranties of any kind, either express or implied. To the fullest extent possible under applicable law, Patrons Oxford disclaims all warranties, express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. Patrons Oxford makes no warranty or representation that the insurance policies described on this site are available or suitable for your needs, or that all information and materials contained on this site are complete, timely, reliable, or free from errors, inaccuracies or typographical mistakes. Nor does Patrons Oxford warrant or represent that the functionality of this site will be uninterrupted or error free, that defects will be corrected, or that this website (or the server on which it runs) are free of viruses, worms or other harmful or destructive code. Exclusions of implied warranties may not be allowed in all jurisdictions, so the above may not apply to you.

Limitation of Liability:
Patrons Oxford assumes no responsibility and shall not be liable for any damage to your computer equipment or other property as a result of your access to, use of, or browsing in this website, or your downloading of any information, materials, or images from this site or arising in connection with any failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, or line or system failure. You, and not Patrons Oxford, assume the entire cost of all necessary servicing, repair, remediation or correction.

Under no circumstances will Patrons Oxford be liable for damages of any kind whatsoever, including but not limited to direct or indirect, special, exemplary, punitive, incidental or consequential damage, loss or expense arising in connection with this website, or your use or inability to use this website or any content hereof, whether based on warranty, contract, tort, or any other legal theory, and even if Patrons Oxford has been advised of the possibility of such damage, loss or expense. Exclusion of implied warranties may not be effective in all jurisdictions.

Copyright and Trademarks:
This website is owned by Patrons Oxford. Unauthorized use of this site, and/or the materials contained herein may violate applicable copyright, trademark or other laws. Our corporate seal and the trademarks, servicemarks, graphics, logos, domain names and text on this site, except where otherwise indicated, are the intellectual property and valuable assets of Patrons Oxford, or are used by permission of the owners thereof. Materials displayed on this website may be downloaded for personal, non-commercial use only, provided all copyright and other proprietary notices contained on the materials are retained. Otherwise, no part of the information and materials on this website may be reproduced, stored in a retrieval system, or transmitted in any form or by any means electronic, mechanical, photocopying, recording, or otherwise without our prior written approval.

Links with Other Websites:
As a convenience, from time to time this site may be hyperlinked to other websites which Patrons Oxford does not maintain or control. Patrons Oxford does not monitor and is not responsible for the content or security practices of any such third-party site. If you decide to access other websites, you do so at your own risk.

Patrons Oxford expressly grants permission to all of our appointed and licensed agents to place a link on their own web pages to the home page of this site. Patrons Oxford is proud to support the independent insurance agents with whom we do business.

Privacy:
You should review our Privacy Statement. It explains how Patrons Oxford may use information that it collects concerning our customers in general, as well as persons who access this website. We do not collect any personally identifiable information through this website unless you e-mail us and a response is required. In that event, however, Patrons Oxford shall not be subject to any confidentiality obligations regarding your identity.

Governing Law:
Use of this site will be governed and construed in accordance with the laws of the State of Maine, without giving effect to its conflict of law principles.