ESIS, Inc. is a Pennsylvania corporation with its principal place of business at 436 Walnut Street, Philadelphia, PA. ESIS is an ACE USA company. ACE USA provides two distinct types of safety and engineering (risk control) services. ESIS sells consultative risk control services directly to its clients. In doing so, ESIS is acting as a vendor of risk management services. Insurance-related risk control services are those services provided only to insurers to support the underwriting of insurance risks. Insurance-related risk control services are not intended as a consultative service to insureds. Neither consultative nor insurance-related risk control services are intended as a substitute for legal counsel or to supplant any duty to provide a safe workplace, operation, product or premises.
Acceptance of Terms
This Web Site is owned and maintained by ACE American Insurance Company or one or more of its affiliates (the "Owner") within ACE USA, which is an operating division of the ACE Group of insurance and reinsurance companies. ACE USA and the ACE Group are made up of insurance and reinsurance companies that are licensed or otherwise approved to transact insurance and/or reinsurance business in various jurisdictions within the United States as well as various other countries around the world. ACE USA operates primarily in the United States and also includes companies that provide services to the insurance industry and other customers.
This Web Site provides users with access to an online collection of information and materials. These materials may include insurance applications and policy forms and other information related to certain insurance products and services ("Products and Services") offered by providers of insurance and insurance-related services operating within ACE USA. The Web Site also contains text, pictures, graphics, logos, button items, images, works of authorship, and other content (collectively, "Content"), and may provide access to certain proprietary software used in connection with navigating and utilizing the functionality offered through this Web Site ("Software"). This Web Site is intended for use only by users who are at least 18 years of age and who reside in the United States.
Limited License and Site Access – The Owner hereby grants you a limited license to access and make personal use of this site but not to download (other than page caching) or modify it, or any portion of it, except with express written consent of the Owner. This license does not include any resale or commercial use of this site or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of this site or its contents; or any use of data mining, robots, or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without the express written consent of the Owner. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of the Owner or its affiliates without their express written consent. You may not use any meta-tags or any other "hidden text" utilizing any of the ACE USA name(s) or service marks without the express written consent of their owners. Any unauthorized use terminates the permission or license granted by the Owner.
Availability of Products and Services – Due to various insurance and other regulatory restrictions, certain Products and Services described on this Web Site may not be available to all users. Products and Services may vary by jurisdiction and may not be offered by all of the ACE USA companies, nor are all Products and Services suitable for all insureds or available in all United States jurisdictions. EXCEPT AS EXPRESSLY STATED HEREIN, THE INFORMATION CONTAINED ON THIS WEB SITE IS NOT AN OFFER TO SELL OR A SOLICITATION TO BUY ANY SECURITY, INSURANCE PRODUCT, OR OTHER PRODUCT OR SERVICE BY ACE USA MEMBER COMPANIES. No security, insurance product or other product or service is offered or will be sold by ACE USA member companies or, if sold by ACE USA member companies, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction.
Whenever particular Product and Service availability is not specifically designated on this Web Site, please contact a designated ACE USA representative or your broker to find out which Products and Services are available to you in your State.
This Web Site may provide certain summary descriptions or other helpful information regarding Products and Services. ACE USA and its member companies attempt to be as accurate as possible; however, any such materials are intended to generally describe the Products and Services and are subject in all respects to the specific terms and conditions of the actual policy or product/service agreement to which they refer. Complete policy terms are available upon request.
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You may download information from this Web Site and print out a hard copy for your personal use provided that you keep intact and do not remove or alter any copyright or other notice (e.g., trademark, patent, etc.) contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, reproduce, reuse, post, publish, license, frame, download, store for subsequent use, create derivative works from, transfer, or sell any information or Content obtained from this Web Site, in whole or in part, including any text, images, audio, and video in any manner, without the prior written authorization of the Owner or any applicable third party suppliers. The use of Content, including images, by you, or anyone else authorized by you, is prohibited unless specifically permitted by the Owner. Any unauthorized use of text or images may violate copyright laws, trademark laws, the laws of privacy and publicity, and applicable regulations and statutes. Neither the Owner nor its affiliates warrant or represent that your use of Content, Services, Software or any other materials displayed on this Web Site will not infringe rights of third parties.
Trademarks and Service Marks – Certain identifiers used on this Web Site, including “ESIS”, "ACE USA" and "ACE INA," are registered service marks of ACE Limited or one of its subsidiaries. The domain name for this Web Site, all ACE Group logos, and all page headers, custom graphics, and button icons are service marks, trademarks, logos, trade dress or are otherwise the intellectual property of ACE USA member companies or their affiliates. All trademarks, service marks, trade dress, product names, company names or logos on the Web Site which are not owned by the ACE Group are the property of their respective owners, whether registered or not. In addition to complying with all applicable laws, you agree that you will not use any such trademarks, service marks, trade dress, or other logos from this Web Site without the prior written authorization of their respective owners.
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The Software provided on this Web Site is owned by or licensed to the Owner, and may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You shall not copy, transfer or export such software in violation of such applicable export laws and regulations. The Owner does not authorize the downloading or exportation of any software or technical data from this Web Site to any jurisdiction prohibited by such export controls laws and regulations.
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- Harvest or otherwise collect information about others, including e-mail addresses.
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Privacy Statement – Our Privacy Statement describes ACE USA's collection, use and protection of nonpublic personal information ("customer information") and will help you understand how we secure and treat customer information that we obtain. Your submission of any such information to the Owner in connection with this Web Site constitutes your consent to the uses and disclosures of data and information by the Owner or its affiliates that are consistent with the Privacy Statement.
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We may occasionally use other companies to set cookies on our Web Site and gather cookie information for us. In some cases we may also use another company to operate web servers for our Web Site. We use the cookie information gathered by these companies in the same manner as stated above. The companies we use are not permitted to use these cookies for their own internal purposes or share the information gathered with anyone other than ACE USA.
In addition to the information we may collect from cookies, we may also obtain information which you provide to us online – for example, when you use any tools or calculators provided on the Web Site or when you submit an application or otherwise communicate with us. In some cases, we retain both the cookie information and/or the information you provide to us online – for example, to complete a transaction you requested or to keep historical records of your past transactions. In other cases – for example, when you use our tools and calculators – we only retain the cookie and/or online information you give us if you request us to do so for your use in subsequent sessions.
Modification to Services – The Owner may, at its discretion, modify or discontinue any of the Products and Services, Content or Software, or any portion thereof, with or without notice. Neither the Owner nor its affiliates will be liable to you or any third party for any modification or discontinuance of any of the Products and Services, Content or Software.
Disclaimer – Information contained on this Web Site has been prepared by the Owner as a convenience to its users and is not intended to constitute advice or recommendations upon which a user may rely. The Owner has used reasonable efforts in collecting, preparing and providing quality information and material, but makes no warranty or guarantee about the accuracy, completeness, or adequacy of the information contained in or linked to this Web Site or any other Web Site maintained by the Owner. Users relying on information from this Web Site do so at their own risk.
The information and descriptions contained herein are not intended to be complete descriptions of the terms, exclusions and conditions applicable to the Products and Services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant product or services agreement for complete terms, exclusions and conditions. Should you purchase an ACE USA product from ACE USA or a third party, the terms and conditions applicable to that transaction will govern such purchase, and your use of this Web Site does not affect that purchase in any manner.
This Web Site may provide you with planning and educational tools, including calculators. Such tools and calculators may allow you to model certain "what-if" scenarios related to specific Products or Services, the results of which are intended to be purely illustrative and based on the information and assumptions identified. There is no guarantee that the results shown are necessarily accurate or will be achieved.
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Limitation of Liability
YOU UNDERSTAND AND AGREE THAT THE OWNER WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PRODUCTS, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF THE OWNER HAS BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM YOUR USE OR INABILITY TO USE THE WEB SITE, SERVICES, CONTENT OR SOFTWARE, THE COST OF OBTAINING SUBSTITUTE PRODUCTS AND SERVICES RESULTING FROM ANY LOSS OF DATA, INFORMATION, PRODUCTS OR SERVICES OBTAINED FROM PURCHASES OR TRANSACTIONS ENTERED INTO THROUGH THE WEB SITE, OR STATEMENT OR CONDUCT OF ANY THIRD PARTY, OR ANY OTHER MATTER RELATED TO THE WEB SITE, SERVICES, CONTENT OR SOFTWARE. YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE WEB SITE IS PREDICATED UPON YOUR WAIVER OF ANY RIGHT TO SUE THE OWNER OR ITS AFFILIATES DIRECTLY OR TO PARTICIPATE IN A CLASS ACTION SUIT FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF THE WEB SITE.
Some jurisdictions do not permit the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages, therefore, some of the limitations above may not apply to you.
CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.
When you visit this Web Site or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
Safe Harbor Statement – This Site may from time to time contain financial information relating to one or more of the ACE Group, possibly including forward-looking statements within the meaning of The Private Securities Litigation Reform Act of 1995. That Act provides a statutory "safe harbor" for forward-looking statements. Any written or oral statements made by or on behalf of ACE Limited or any of its subsidiaries or operating divisions reflect current views with respect to future events and financial performance. These forward-looking statements are subject to uncertainties and inherent risks that could cause actual results to differ materially from those contained in any forward-looking statement.
For information specifically relating to the financial condition of ACE Limited, the holding company for the ACE Group, please refer to ACE Limited's filings with the Securities and Exchange Commission, including the most recent Forms 10-K, and 10-Q, and any Forms 8-K since the most recent Form 10-K, for further information on such uncertainties and inherent risks and the "safe harbor" under the Private Securities Litigation Reform Act of 1995.
Third Party Purchases Governed by Separate Agreement – The terms and conditions governing your purchase of any goods or services from any third party companies or financial institutions represented in this Web Site shall be governed by a separate agreement duly executed between you and the supplier of such goods or Services, including ACE USA, as applicable.
Age and Location of User – All information and content available on this Web Site are solely directed to individuals 18 years of age or older residing in the United States. The Owner makes no representation that the Content, information, products, Services or Software are available for use outside of the United States. Any use of the Services, Content and Software is prohibited where they are not allowed by law
This Web Site Contains a Binding Arbitration Provision Which May Be Enforced By The Parties
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