Terms of Use

This site and/or service is owned or controlled by Kemper Direct (“Kemper Direct”). Your use of the Kemper Direct web sites, mobile applications, and other services (individually, an “Kemper Direct Property,” and collectively, the “Kemper Direct Properties”) is subject to these Terms of Use (“Terms”), which we may update from time to time. Please read these Terms of Use carefully before using an Kemper Direct Property. These Kemper Direct Properties are intended for and applicable only for residents of the United States. If you are from another jurisdiction, you should not use the Kemper Direct Properties. By accessing the Kemper Direct Properties in any way, including, without limitation, browsing any Kemper Direct website, using a mobile application, using information obtained from an Kemper Direct Property, and/or submitting information to Kemper Direct, you agree to and are bound by the terms, conditions, policies and notices contained in these Terms, including, but not limited to, conducting this transaction electronically, disclaimers of warranties, damage and remedy exclusions and limitations, and a choice of Illinois law.

From time to time we may update any Kemper Direct Property and these Terms. Your use of the Kemper Direct Properties after we post any changes to these Terms constitutes your agreement to those changes. You agree to review these Terms periodically to ensure that you are familiar with the most recent version. iMingle may, in its sole discretion, and at any time, discontinue any iMingle Property or any part thereof, with or without notice, or may prevent your use of any iMingle Property with or without notice to you. You agree that you do not have any rights in the iMingle Properties and that iMingle will have no liability to you if any iMingle Property is discontinued or your ability to access the iMingle Properties or any content you may have posted on the iMingle Properties is terminated.

Purpose of Information on the Kemper Direct Properties

The information contained in the Kemper Direct Properties is provided solely for general informational purposes and is not intended to be a contract, a solicitation or an offer to sell in connection with any product or service, nor is the information a complete description of all terms, conditions and exclusions applicable to the products and services described. Only the actual insurance policy or contract can provide the actual terms, language, coverage amounts, conditions, and exclusions. For complete descriptions of the terms, conditions and exclusions of insurance coverages or other products or services, please contact iMingle. Products and services referenced in the iMingle Properties may not be available in all jurisdictions.

Underwriting Companies

Products and services referenced in the Kemper Direct Properties may not be available in all jurisdictions, nor in all underwriting companies. Below is a list of our underwriting companies with their respective principal places of business and other information:

Merastar Insurance Company

One East Wacker Drive
Chicago, IL 60601
NAIC # 31968
State of Domicile: Illinois

National Merit Insurance Company

1330 N. Washington Street
Spokane, WA 99201
NAIC # 39004
State of Domicile: Washington

Response Indemnity Company of California

5927 Priestly Drive,
Carlsbad, CA 92008
NAIC # 10970
State of Domicile: California
CA COA: 08784

Response Insurance Company

One East Wacker Drive
Chicago, IL 60601
NAIC # 43044
State of Domicile: Illinois

Response Worldwide Direct Auto Insurance Company

One East Wacker Drive
Chicago, IL 60601
NAIC # 20133
State of Domicile: Illinois

Response Worldwide Insurance Company

One East Wacker Drive
Chicago, IL 60601
NAIC # 26050
State of Domicile: Illinois

Kemper Direct

One East Wacker Drive
Chicago, IL 60601
NAIC # 10226
State of Domicile: Illinois

Kemper Direct

One East Wacker Drive
Chicago, IL 60601
NAIC # 10915
State of Domicile: Illinois

Warner Insurance Company

One East Wacker Drive
Chicago, IL 60601
NAIC # 26085
State of Domicile: Illinois

Use of Consumer Information

Please be advised that, as part of the underwriting review and confirmation process, we may use consumer reports, which may include credit information, as well as claim history and driving record. You may request that Kemper Direct provide the source of the consumer reports and their toll-free number so that you may verify and correct such information. iMingle will tell you, at your request, whether or not a report was prepared. If a report was prepared, we will provide you with the source of the consumer reports and the toll-free number so that you can contact the consumer reporting agency if you believe any of the information was incorrect; you can also request a correction, amendment or deletion of the incorrect information.

Updating of Information on the Kemper Direct Properties

The information contained herein was believed to be accurate at the time it was posted. Kemper Direct periodically updates the information on the iMingle Properties; however, its does not accept responsibility for the timeliness of the information at the time it may be accessed. Please note that the information contained in the iMingle Properties is subject to change without notice. iMingle intends to update the information contained on the iMingle Properties on a regular basis as warranted; however, there is no commitment to update any of the information contained in the iMingle Properties.

Kemper Direct Content

Content on the Kemper Direct Properties that is provided by iMingle or its licensors, including certain graphics, photographs, images, screen shots, text, digitally downloadable files, trademarks, logos, product and program names, slogans, and the compilation of the foregoing ("iMingle Content") is the property of iMingle and its licensors, and is protected in the U.S. and internationally under trademark, copyright, and other intellectual property laws.

You agree not to download, display or use any Kemper Direct Content located on the iMingle Properties for use in any publications, in public performances, on websites other than the iMingle Properties for any other commercial purpose, in connection with products or services that are not those of iMingle, in any other manner that is likely to cause confusion among consumers, that disparages or discredits iMingle and/or its licensors, that dilutes the strength of iMingle’s or its licensor's property, or that otherwise infringes iMingle’s or its licensors’ intellectual property rights. You further agree to in no other way misuse any iMingle Content, User Content (as defined below), or third party content that appears on the iMingle Properties.

If you are a trademark or copyright owner and you believe that your trademark or copyright rights have been violated, please go to our Proprietary Rights Complaint Process and follow the instructions at that area.

Use of the Kemper Direct Properties and Posting Policy

From time to time on certain areas of the Kemper Direct Properties you may be able to submit blog entries and certain other materials ("User Content"). The following requirements apply to your use of the iMingle Properties, including, without limitation, any User Content you may submit to us: (a) you will not use any electronic communication feature of the iMingle Properties for any purpose that is unlawful, harmful, tortious, defamatory, libelous, obscene, invasive of the privacy of another person, threatening, harassing, abusive, hateful, racist, infringing, pornographic, violent or otherwise objectionable or inappropriate as determined by iMingle; (b) you will not upload, post, reproduce, or distribute any information, software, or other material protected by copyright or any other intellectual property right (as well as rights of publicity and privacy) without first obtaining the permission of the owner of such rights; (c) you will not collect or store personal data about other users; (d) you will not upload, post, reproduce or distribute any content that contains personal information about any individual, violates the privacy/publicity of any other individual or entity, or anything that you are under a contractual obligation to keep private or confidential; (e) you will not use the iMingle Properties for any commercial purpose not expressly approved by iMingle in writing; (f) you will not impersonate any person or organization, including without limitation, the personnel of iMingle, or misrepresent an affiliation with another person or organization; (g) you will not upload, post, email, or otherwise transmit any advertising or promotional materials or any other form of solicitation or unauthorized communication; (h) you will not upload, post, email, or otherwise transmit any material that contains viruses, corrupted files, or any other computer code, software, files, or programs which might interrupt, limit, or interfere with the functionality of any computer software or hardware or telecommunications equipment or that may adversely affect the operation of the iMingle Properties, or feature of the iMingle Properties.

You understand and agree that you have no ownership rights in materials you submit to us, to any account you may have with us, or other access to the Kemper Direct Properties or features therein. iMingle may cancel your account and delete all User Content associated with your account at any time, and without notice, if iMingle deems that you have violated these Terms, the law, or for any other reason. iMingle assumes no liability for any information removed from the iMingle Properties, and reserves the right to permanently restrict access to any iMingle Property or a user account.

By displaying, publishing, or otherwise posting any User Content on or through the Kemper Direct Properties, you hereby grant to iMingle a limited, non-exclusive, sub-licensable, worldwide, fully-paid, royalty free license to use, modify, publicly perform, publicly display, reproduce, and distribute such User Content in any and all media now known or hereinafter developed without the requirement to make payment to you or to any third party or the need to seek any third party permission. This license includes the right to host, index, cache, distribute, and tag any User Content, as well as the right to sublicense User Content to third parties, including other users, for use on other media or platforms known or hereinafter developed, such as for use on mobile phones, in video or music software computer programs. You continue to retain all ownership rights in your User Content, and you continue to have the right to use your User Content in any way you choose, subject to these Terms and the license described herein. You represent and warrant that you own the content submitted, displayed, published or posted by you on the iMingle Properties and otherwise have the right to grant the license set forth herein, and the displaying, publishing or posting of any content you submit, and our use thereof does not and will not violate the privacy rights, publicity rights, copyrights, trademark rights, patents, contract rights or any other intellectual property rights or other rights of any person or entity.

You agree to indemnify and hold Kemper Direct, its parents, subsidiaries, affiliates, officers, employees, and website contractors and each of their officers, directors, employees and agents harmless from any claims, damages and expenses, including reasonable attorneys' fees and costs, related to your violation of these Terms, including the Posting Policy, or any violations thereof by your dependents or which arises from the use of User Content you submitted, posted, or otherwise provided to iMingle or the iMingle Properties.

Responsibility for and Our Right to Edit or Delete User Content

Kemper Direct does not control, is not responsible to review, and does not necessarily regularly review any User Content. Notwithstanding the foregoing, iMingle reserves the right to review any User Content at any time in its sole discretion, for any reason or no reason, and to delete or edit any User Content with or without notice. iMingle is not responsible or liable for damages of any kind arising from any User Content even when iMingle is advised of the possibility of such damages, or from iMingle's alteration or deletion of any posting.

Disclaimer of User Content

The information and opinions expressed in User Content on the Kemper Direct Properties are not necessarily those of iMingle or its content providers, advertisers, sponsors, affiliated or related entities, and iMingle makes no representations or warranties regarding the User Content. iMingle does not represent or guarantee the truthfulness, accuracy, or reliability of any User Content or determine whether User Content violates the rights of others. You acknowledge that any reliance on material posted by other users will be at your own risk.

Accounts, Security, Passwords

If a particular Kemper Direct Property requires you to open an account, you must complete the specified registration process by providing us with current, complete, and accurate information as requested by the applicable online registration form. It is your responsibility to maintain the currency, completeness, and accuracy of your registration data and any loss caused by your failure to do so is your responsibility. After you have fully completed the registration form, you may be asked to choose a password and a user name. It is entirely your responsibility to maintain the confidentiality of your password and account. Additionally, you are entirely responsible for any and all activities that occur under your account. You agree to notify iMingle immediately of any unauthorized use of your account. You further agree not to email, post, or otherwise disseminate any user ID, password, or other information which provides you access to an iMingle Property. iMingle is not liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge.

Representations and Limitations of Liability

Kemper Direct makes no representations about the reliability of the features of the iMingle Properties, the Content, User Content, or any other iMingle Property feature, and disclaims all liability in the event of any service failure. You acknowledge that any reliance on such material or systems will be at your own risk. iMingle makes no representations regarding the amount of time that any iMingle Content or User Content will be preserved.

Kemper Direct does not endorse, verify, evaluate or guarantee any information provided by users and nothing shall be considered as an endorsement, verification or guarantee of any User Content. You shall not create or distribute information, including but not limited to advertisements, press releases or other marketing materials, or include links to any sites which contain or suggest an endorsement by iMingle without the prior review and written approval of iMingle.

THE KEMPER DIRECT PROPERTIES ARE PROVIDED ON AN "AS IS, AS AVAILABLE" BASIS. NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THOSE OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, ARE MADE WITH RESPECT TO THE IMINGLE PROPERTIES OR ANY INFORMATION OR SOFTWARE THEREIN. UNDER NO CIRCUMSTANCES, INCLUDING NEGLIGENCE, SHALL IMINGLE BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF OR INABILITY TO USE THE IMINGLE PROPERTIES, NOR SHALL IMINGLE BE RESPONSIBLE FOR ANY DAMAGES WHATSOEVER THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES, ERRORS, DEFECTS, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE WHETHER OR NOT CAUSED BY EVENTS BEYOND IMINGLE’S REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ACTS OF GOD, COMMUNICATIONS LINE FAILURE, THEFT, DESTRUCTION, OR UNAUTHORIZED ACCESS TO THE IMINGLE PROPERTIES’ RECORDS, PROGRAMS, OR SERVICES. UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO A NEGLIGENT ACT, WILL IMINGLE OR ITS AFFILIATES OR AGENTS BE LIABLE FOR ANY DAMAGE OF ANY KIND THAT RESULTS FROM THE USE OF, OR THE INABILITY TO USE, THE IMINGLE PROPERTIES, EVEN IF IMINGLE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES; AS A RESULT, THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN THE EVENT THAT CERTAIN STATES DO NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, OUR LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, INJURIES AND CLAIMS OF ANY KIND, WHETHER THE DAMAGES ARE CLAIMED IN CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, WILL BE LIMITED TO $5.00.

Third Party Websites

The Kemper Direct Properties may hyperlink to sites not maintained by or related to iMingle. Hyperlinks are provided as a service to users and are not sponsored by or affiliated with the iMingle Properties or iMingle, and iMingle makes no representations or warranties about the content, completeness, or accuracy of those third party sites. Information you submit at a third party site accessible from the iMingle Properties is subject to the terms of that site's privacy policy, and iMingle has no control over how your information is collected, used, or otherwise handled.

Miscellaneous

Both you and Kemper Direct acknowledge and agree that no partnership is formed and neither you nor iMingle has the power or the authority to obligate or bind the other.

These Terms will be governed by and construed in accordance with the internal laws of Illinois without regard to conflicts of laws principles. By using the Kemper Direct Properties, you hereby agree that any and all disputes regarding these Terms will be subject to the courts located in Cook County, Illinois. These Terms operate to the fullest extent permissible by law.

On certain areas of the Kemper Direct Properties, you may be given the ability to provide us with personally identifiable information. Please read our Online Privacy Policy for more information about our information collection and use practices.

The failure of Kemper Direct to comply with these Terms because of an act of God, war, fire, riot, terrorism, earthquake, actions of federal, state or local governmental authorities or for any other reason beyond the reasonable control of iMingle, shall not be deemed a breach of these Terms.

If Kemper Direct fails to act with respect to your breach or anyone else's breach on any occasion, iMingle is not waiving its right to act with respect to future or similar breaches.

If any provision of these Terms shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these terms of use and shall not affect the validity and enforceability of any remaining provisions.

These Terms constitute a binding agreement between you and Kemper Direct, and is accepted by you upon your use of the iMingle Properties or your account. These Terms constitute the entire agreement between you and iMingle regarding the use of the iMingle Properties and your account. By using the iMingle Properties you represent that you are capable of entering into a binding agreement, and that you agree to be bound by these Terms.