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Terms of Use

Your access to and use of the Website is subject to the following terms and conditions (“Terms of Use”) and all applicable laws and regulations. If you do not agree to all of these these Terms of Use, please do not access or otherwise use this Website or any information or content contained on this Website. 

These Terms of Use may be revised periodically at any time without notice to you. It is your responsibility to visit the Website frequently to review carefully the current terms and conditions of use which govern your continued use of the Website. Each and every time you access the Website you shall be deemed to have agreed to the then current terms and conditions of use. As a condition of your use of the Website, you warrant that you will not use the Website for any purpose that is unlawful or prohibited by these terms and conditions of use or reproduce or distribute any portions of the Website for any commercial use except as authorized by these terms of use.

1. Intellectual Property.

The design of this Website and its content, including without limitation, the text, information, data, software, scripts, graphics, photos, sounds, videos, music, interactive features, products, materials, services and the like and the trademarks, service marks and logos contained therein (“Website Content”), are the property of or are licensed by Providence Mutual and are protected by copyright and other intellectual property laws. Providence Mutual hereby authorizes you to view and download the contents of this Website only for your personal use, provided that you retain, on any copies of the materials, all copyright and other proprietary notices contained on the original materials. You may not otherwise copy, reproduce, modify, adapt, display, perform, publish, create derivative works from, store, sublicense, translate, sell, rent, reverse engineer, decompile, disassemble, or otherwise exploit this Website or its content. Providence Mutual reserves all rights not expressly granted in and to the Website and the Website Content.  You agree to not engage in the use, copying, or distribution of any of the Website Content other than as expressly permitted herein or as reasonably necessary to use the Website for its intended purpose, including any use, copying, or distribution of Website Content for any commercial purposes.  You in no way will obtain any ownership interest in the Website Content. 

The display of any trade names, trademarks, service marks, logos, or domain names on this Website does not imply that a license of any kind has been granted with respect to such trade names, trademarks, service marks, logos, or domain names. Any unauthorized downloading, re-transmission or other copying or modification of trade names, trademarks, service marks, logos or domain names may be a violation of trademark laws and could subject you to legal action.

2.  Security.

You should be aware that the Internet is not secure. If you choose to send any electronic communications by means of this Website, you do so at your own risk. Providence Mutual does not guarantee that such communications will not be intercepted or changed or that they will reach the intended recipient securely.

3.  Disclaimers.

YOUR ACCESS TO AND USE OF THIS WEBSITE ARE AT YOUR SOLE RISK. YOU ARE ENTIRELY LIABLE FOR YOUR ACTIVITIES. PROVIDENCE MUTUAL DOES NOT WARRANT THE ACCURACY, COMPLETENESS, TIMELINESS, AVAILABILITY, USEFULNESS OR OTHER CHARACTERISTICS OF THE WEBSITE OR ANY CONTENT AVAILABLE ON OR THROUGH THIS WEBSITE. THIS WEBSITE AND THE INFORMATION ON IT ARE PROVIDED ON AN "AS IS" AND “AS AVAILABLE” BASIS.  PROVIDENCE MUTUAL MAKES NO REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, AND HEREBY DISCLAIMS INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.  PROVIDENCE MUTUAL DOES NOT WARRANT THAT THIS WEBSITE IS FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER HARMFUL COMPONENTS.

PROVIDENCE MUTUAL SHALL NOT BE RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY LOSS OR DAMAGE, INCLUDING BUT NOT LIMITED TO ANY LOST PROFITS, LOST SAVINGS OR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES, CAUSED BY USE OF, OR RELIANCE ON, OR INABILITY TO USE OR ACCESS, OR DELAYS IN, OR INACCURACIES OR ERRORS OR DEFECTS OR OMISSIONS IN THE WEBSITE, WHETHER RESULTING FROM IMPAIRED OR LOST DATA, SOFTWARE OR COMPUTER FAILURE OR ANY OTHER CAUSE, BY YOU OR ANY OTHER THIRD PARTY, REGARDLESS OF THE CLAIM AS TO THE NATURE OF THE CAUSE OF ACTION, AND EVEN IF PROVIDENCE MUTUAL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE OR LOSS.

YOU HEREBY EXPRESSLY RELEASE PROVIDENCE MUTUAL FROM ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DAMAGE CAUSED, DIRECTLY OR INDIRECTLY, TO YOU OR ANY THIRD PARTY AS A RESULT OF USE OF THIS WEBSITE OR ITS CONTENT, INCLUDING ANY CONTENT OR FILE DOWNLOADED OR ACCESSED.  YOU SPECIFICALLY ACKNOWLEDGE THAT PROVIDENCE MUTUAL SHALL NOT BE LIABLE FOR YOUR USER SUBMISSIONS OR THE DEFAMATORY, OFFENSIVE, HARMFUL OR ILLEGAL CONDUCT OF ANY THIRD PARTY, AND THAT THE RISK OF HARM OR DAMAGE FROM THE FOREGOING RESTS ENTIRELY WITH YOU.

4.  Indemnification.

You agree to defend, indemnify and hold Providence Mutual and its employees, agents, officers, directors, contractors, suppliers and other representatives harmless from and against all liabilities, damages, demands, settlements, claims, actions, costs and expenses (including reasonable attorneys' fees) in connection with or arising from your use of this Website, the Website’s content as it may change from time to time, or your violation of these Terms of Use. Providence Mutual may, if necessary, participate in the defense of any claim or action at your expense and any negotiations for settlement. Providence Mutual reserves the right, on notice to you, to assume exclusive defense and control of any claim or action subject to indemnification by you, without relieving you of your indemnification obligations hereunder. Upon learning of a claim by a third party that your use violates or allegedly violates a third party's rights, you agree to promptly notify Providence Mutual of any such claim. You agree to cooperate with us as reasonably required in the defense of any such claims, and you shall not in any event settle any such claim or matter without the written consent of Providence Mutual.

5. Links to Third Party Websites.

This Website may contain hyperlinks to websites operated by persons or entities other than Providence Mutual.  Such hyperlinks are provided for your reference and convenience only. Please be aware that Providence Mutual does not monitor, endorse or accept responsibility for the content on such websites or the operator or operations of such websites. You are solely responsible for determining the extent to which you may use any content at any other websites to which you might link from this Website. You agree not to hold Providence Mutual responsible for the content or operation at any other website to which you might link from this Website. Selected content on Providence Mutual’s Website is provided by a third party. Providence Mutual has no control over, and takes no responsibility for supplementing, correcting or updating that information.  Furthermore, Providence Mutual makes no warranties or representations of any kind whether with respect to its accuracy, completeness, timeliness or otherwise. Providence Mutual has no obligation to correct or update that information and shall not be liable for damages of any kind arising out of your access, inability to access or reliance upon the investor information contained in this Website.

6.  Applicable Law.

These Terms of Use are governed by the laws of Rhode Island without respect to any conflict of laws provisions.  If any provision or provisions of this “Terms of Use” shall be held to be invalid, illegal or unenforceable, the validity, legality or enforceability of the remaining provisions shall not in any way be affected or be impaired thereby. You agree that any dispute between you and Providence Mutual arising from your use of this Website shall be brought exclusively in the state or federal courts of competent jurisdiction in Rhode Island.