Welcome to AAO Insurance Company’s (AAOIC) website. Please carefully read these Terms and Conditions of Website Use (“Terms of Use”) and our Privacy Policy before using our site. AAOIC provides this site and products and services to you subject to these Terms of Use. By using our website (“Site”), you agree to follow and be bound by these Terms of Use and our Privacy Policy.

Use of This Site:

This site and any account access, account management, or online ordering features are provided for your convenience in managing your account or ordering new products or services from AAOIC. As with any website, information on this site may contain technical inaccuracies or typographical errors. Information, including service features, product pricing and availability, may be changed or updated without notice, including, without limitation, to correct errors and inaccuracies. AAOIC reserves the right to refuse service and/or cancel orders in its discretion, including, without limitation, if AAOIC believes that your conduct violates applicable law or is harmful to the interests of AAOIC. To the extent you purchase insurance through an application submitted through this Site, these Terms of Use govern your use of our Site, but your insurance policy is the sole agreement that governs your insurance and your application and grant or denial of such insurance, and for other matters governing your account.

Information You Submit?

By sending us product reviews or other product information or material, you grant AAOIC an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute such materials or information, and you represent and warrant that you own or otherwise control all of the rights to such information or materials and that AAOIC is free to use ideas, concepts, know-how or techniques that you send us for any purpose. However, we will not release your name or otherwise publicize the fact that you submitted materials or other information to us unless we obtain your permission to use your name or we are required to do so by law. Please review our Privacy Policy, which is incorporated into these Terms of Use by this reference, for a complete description of how we handle personal information submitted by or obtained from you during your use of this site. No information or material you provide to AAOIC through the site may contain vulgar, obscene, threatening or otherwise unlawful language or material.

Links To Other Websites:

This site may contain hyperlinks to other websites (Links). AAOIC is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by AAOIC of the site or of any products or services offered or information provided on the site or any association between AAOIC and the other sites’ operators. AAOIC does not have control over, and is in no manner responsible or liable for, the availability or content of the websites to which AAOIC’s website is linked. AAOIC makes no representations or warranties whatsoever about any other site you may access through AAOIC.com.

Purchase of Products Through This Site:

For the terms applicable to your purchase of products and services through this site, please see all applicable documents.

Product Information and Warranties:

Unless indicated otherwise, most products and services featured on the site are available directly from or through AAOIC. AAOIC has made a conscientious effort to display and describe its products and services on the site accurately so that you can get a good idea of their design and use, and of the services offered. However, AAOIC is frequently improving its information, products and services, and depends upon its manufacturers and other suppliers for its information. Consequently, AAOIC cannot and does not guarantee the accuracy or completeness of the information on this site, including prices, product images, specifications, availability and warranties. Products and services are the responsibility of the manufacturer or provider of those products and services and are covered by the warranties offered by such manufacturers or providers, if any, and any agreements you enter into when you purchase such products or services, if any.

Product and Service Warranty Disclaimer and Damages Exclusion:

AAOIC DOES NOT PROVIDE A WARRANTY ON ANY PRODUCTS OR SERVICES YOU OBTAIN THROUGH THIS SITE EXCEPT AS MAY BE EXPRESSLY PROVIDED OTHERWISE IN A SEPARATE WRITTEN CONTRACT BETWEEN YOU AND US OR THE MANUFACTURER OR PROVIDER WITH RESPECT TO SUCH PRODUCT OR SERVICE. AAOIC HEREBY DISCLAIMS ANY WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NONINFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS OR OTHER PROPRIETARY RIGHTS. AAOIC WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM YOUR USE OF THE PRODUCTS OR SERVICES PROVIDED ON OR THROUGH THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY, CONSEQUENTIAL DAMAGES OR DAMAGES RESULTING FROM YOUR USE OF THIS SITE OR THE SALE OR USE OF PRODUCTS OR SERVICES PROVIDED ON THIS SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF AAOIC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES OR THE EXCLUSION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES SO CERTAIN PORTIONS OF THIS PROVISION MAY NOT APPLY TO YOU.

Legal Compliance:

You are solely responsible for ensuring that your use of AAOIC’s products and services is in conformance with applicable federal, state and local laws and regulations and building codes.

Website Use Disclaimer:

YOU ASSUME ALL RESPONSIBILITY AND RISK FOR THE USE OF THIS SITE, ANY LINKED SITE, AND THE INTERNET GENERALLY. AAOIC PROVIDES THIS SITE ON AN “AS IS, AS AVAILABLE” BASIS. AAOIC MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, AS TO THE USE OR OPERATION OF THE SITE OR THE INFORMATION, CONTENT OR OTHER MATERIALS INCLUDED ON THIS SITE OR ANY LINKED SITE. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, AAOIC DISCLAIMS ANY SUCH WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NONINFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS OR OTHER PROPRIETARY RIGHTS, AND FREEDOM FROM ERRORS, VIRUSES, BUGS, OR OTHER HARMFUL COMPONENTS. AAOIC WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY, CONSEQUENTIAL DAMAGES OR DAMAGES RESULTING FROM LOSS OF USE, DATA, OR PROFITS, OR BUSINESS INTERRUPTION ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THE SITE, ANY DELAYS ON THE SITE, OR THE INABILITY TO USE THE SITE, ANY PORTION THEREOF, OR ANY LINKED WEBSITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF AAOIC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Limitation on Liability:

NOTWITHSTANDING ANY TERMS TO THE CONTRARY IN THESE TERMS OF USE, AAOIC’S CUMULATIVE LIABILITY TO YOU FOR ANY CLAIMS OR DAMAGES ARISING OUT OF OR RELATED TO YOUR PURCHASE OR USE OF PRODUCTS OR SERVICES PROVIDED BY AAOIC SHALL NOT EXCEED $100.

Force Majeure:

AAOIC shall not be liable for any delay or failure in the performance or in delivery or shipment of materials or for any damages suffered by you by reason of such delay or failures directly or indirectly caused by or in any manner arising from or connected with acts of God, acts of public enemies, riots, acts of governmental agencies, labor difficulties, failure of our suppliers to ship or produce goods, delays in securing or shortages of raw materials, breakdown or destruction of plant or equipment, or any other cause or causes beyond the control of AAOIC, whether or not similar to those enumerated herein.

Miscellaneous:

The Terms of Use and the portions of this site referenced in or linked to these Terms of Use, which are incorporated in this agreement by this reference contain yours and AAOIC’s entire agreement regarding your use of this site and purchase of products and services from AAOIC. If any provision of these Terms of Use is deemed to be illegal or unenforceable, such illegality or unenforceability will not affect the validity or enforceability of any other provisions of this agreement, which together will be construed as if such illegal or unenforceable provision had not be included in this agreement. This agreement will be governed by and construed in accordance with the laws of the Missouri, without reference to its conflicts of law rules. Any legal action arising out of your use of this site or purchase of products or services from AAOIC must be brought within one year after the cause of action has arisen. All disputes between you and AAOIC must be settled by a single arbitrator sitting in Missouri appointed under the rules of the America Arbitration Association.

Renew OnlineHow To Report A ClaimContact a Sales Representative