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Cyberedge Mobile App Terms of Use

Terms of Use

The following are the Terms of Use for the AIG CyberEdge Mobile App (the “Mobile App”).   You are granted a non-exclusive, non-sublicensable, non-transferable, personal, limited license to install and use the Mobile App only on a mobile device that you own or control, solely as expressly permitted herein. By using the Mobile App or accessing any content provided by it, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this mobile application. These conditions may be revised at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then-current conditions to which you are bound.

DISCLAIMER

To the fullest extent permissible pursuant to applicable law, the Mobile App and the materials provided by it are provided as is and without warranties of any kind, either expressed or implied.  American International Group, Inc. and its subsidiaries and affiliates (collectively, “AIG”) disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.  AIG does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that the Mobile App or the content or materials provided by it are free of viruses or other harmful components.  AIG does not warrant or make any representations regarding the use or the results of the use, of the Mobile App or the materials provided by it in terms of their correctness, accuracy, reliability, or otherwise.  You (and not AIG) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all applicable terms, exclusions and conditions and are provided solely for general informational purposes.  Please refer to the actual policy or the relevant product or services agreement. 

THIRD PARTY CONTENT

The Mobile App may be linked to websites or other applications which are not maintained by AIG. AIG is not responsible for the performance or content of such websites or applications.  The inclusion of any link to such websites or applications does not imply AIG's approval or endorsement of such sites or applications or the content thereof. AIG cannot guarantee that the links set out in the Mobile App will be accurate at the time of your access. Moreover, the sites pointed at by links have been independently developed and possibly maintained by person(s) over whom AIG has no control. AIG cannot and does not monitor the sites linked to its pages on the Internet or any transmission made through the respective web pages and news groups. Accordingly, AIG assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. AIG believes that our making available links to publicly accessible web pages is legally permissible and consistent with the common, customary expectations of those who make use of the Internet. 

CLAIMS NARRATIVES

The Claims Narratives provided in the Mobile App are offered only as examples and certain facts may have been altered to protect the identity of the persons and entities involved.  Coverage depends on the actual facts of each data breach or security failure and the terms, conditions and exclusions of the applicable insurance policy.  Products and services are written or provided by subsidiaries or affiliates of AIG.  Not all products and services are available in every jurisdiction, and insurance coverage is governed by actual policy language.  

DATA BREACH CALCULATOR

The Data Breach Calculator provided under the “Breach Calculator” Tab in the Mobile App menu is designed for educational and informational purposes only and should not be relied upon to make any compliance or insurance related decisions.  This tool is intended to provide only an estimate of the potential exposure you may have in the event of a data breach.  It is not intended to provide an exact calculation of what your actual loss, damage and expense may be in the event of an actual breach.  The estimate generated by this tool cannot guarantee your right to receive payment under any policy of insurance, nor does it constitute a promise or guarantee of future coverage by AIG.

DATA BREACH THREAT MAP

The underlying data used to create the graphics and text found under “Data Breach Threat Map” tab in the Mobile App has been provided by Risk Based Security, Inc. and has not been verified by AIG.    For more information about Risk Based Security, Inc., please go tohttp://www.riskbasedsecurity.com/cyber-liability.

EVENTS

The Mobile App may contain information about events where AIG executives or employees are speaking on cyber risk and events hosted by AIG (“Events”).  The inclusion of information about any Event does not imply AIG’s approval or endorsement of such Event or the content thereof.  AIG cannot guarantee that the information regarding Events listed on the Mobile App will be accurate at the time of your access.  Moreover, the Events referenced or listed in the Mobile App have been independently developed and possibly maintained by person(s) over whom AIG has no control. AIG cannot and does not monitor the Events listed or referenced in the Mobile App. Accordingly, AIG assumes no responsibility for the content of any Event referenced under the “Events” tab in the Mobile App menu or by any hyperlink in the Mobile App or otherwise. 

LIMITATION OF LIABILITY

While AIG uses reasonable efforts to include accurate and up-to-date information on the Mobile App, errors or omissions sometimes occur. To the fullest extent permissible pursuant to applicable law, AIG makes no warranties or representations as to the accuracy of the content provided by the Mobile App and under no circumstances, including, but not limited to, negligence, shall AIG or any party involved in creating, producing, or delivering the Mobile App be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials provided by the Mobile App, even if AIG or a AIG authorized representative has been advised of the possibility of such damages.  In no event shall AIG’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for the Mobile App.  AIG also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to or use of the Mobile App or your downloading of or access to any materials, data, text, images, video, or audio provided by the Mobile App. 

RESTRICTIONS ON USE OF MATERIALS

Except as otherwise expressly permitted by AIG and/or the applicable third-party licensor, no materials presented in or provided by the Mobile App may be downloaded, copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way.   You may not distribute, modify, transmit, reuse, repost, or use the content provided by the Mobile App for public or commercial purposes, including any text, images, audio, and video, without AIG’s and/or its third-party licensor’s prior written permission. AIG neither warrants nor represents that your use of materials provided by the Mobile App will not infringe rights of third parties. 

JURISDICTIONAL ISSUES

Unless otherwise expressly set forth herein, AIG makes no representation that materials provided by the Mobile App are appropriate or available for use in any location.  Those who choose to access the Mobile App and the materials provided by it do so by their own initiative and are responsible for compliance with local laws.  Except as expressly set forth in the Mobile App, the information provided by the Mobile App is not an offer to sell or a solicitation to buy any security, insurance product or other product or service offered by AIG. No security, insurance product or other product or service is offered or will be sold by AIG or, if sold by AIG, will be effective in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions. The content and materials contained in or provided by the Mobile App is to be construed in accordance with and governed by the internal laws of the State of New York (as permitted by Section 5-1401 of the New York General Obligations Law or any similar successor provision), without giving effect to any choice of law rule that would cause the application of the laws of any jurisdiction other than the internal laws of the State of New York to the rights and duties of the parties. 

OWNERSHIP OF INFORMATION

Any information, other than personal data or information you transmit to AIG via the  Mobile App, by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of AIG.  Such information, other than personal information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting.  AIG is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to AIG via the Mobile App or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. 

TRADEMARKS AND COPYRIGHTS

All trademarks, service marks, trade names, logos, and icons are proprietary to AIG or used by AIG with the permission of its third party providers.  Neither the Mobile App nor any material provided by it should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed by the Mobile App or in any material provided by it without the written permission of AIG and/or its third party licensors. Your use of the trademarks displayed by the Mobile App or in any material provided by it, or any other content provided by the Mobile App, except as expressly provided herein, is strictly prohibited.  Images displayed by the Mobil App are either the property of, or used by AIG with the permission of its third party providers.  The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by AIG and/or its third party providers.  Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. 

SOFTWARE LICENSES

You acknowledge that the Mobile App and any software which may be available or provided in connection with the Mobile App 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 hereby agree that you will not transfer or export such software in violation of such applicable export control laws and regulations.  AIG does not authorize the downloading or exportation of any software or technical data to any jurisdiction where such activity is prohibited by export controls laws and regulations. 

UPDATES

AIG reserves the right to change these Terms of Use in order to address future developments of AIG, the Mobile App or changes in industry or legal trends.

AIG is a leading international insurance organization serving customers in more than 130 countries and jurisdictions.  AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange.

AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc.  For additional information, please visit our website at www.aig.com.  Products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Not all products and services are available in every jurisdiction, and insurance coverage is governed by actual policy language.  Certain products and services may be provided by independent third parties.  Insurance products may be distributed through affiliated or unaffiliated entities.  Certain property-casualty coverages may be provided by a surplus lines insurer.  Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.

PRIVACY POLICY

AIG is committed to protecting the privacy of the individuals we encounter in conducting our business.  You can review a copy of our privacy policy applicable to you by visiting our website here and choosing the country in which you are using the Mobile App: http://www.aig.com/global-privacy_3171_478829.html.

Contact Us

If you have any questions about this document, please contact us by e-mail, or please write to the following address:

 

American International Group, Inc.
Attn: E-Commerce Legal80 Pine Street
13th Floor, New York, NY 10005