Terms of Use

In using this Web site you recognize and agree to the following conditions of use. You should, therefore, read the conditions carefully. Note, any term or condition in this Web site can be revised at any time by updating this posting. You’re bound by such revisions and should, therefore, periodically review this posting.

Disclaimer

This Web site is solely for the purpose of providing information about, and services and products offered by, Penn-America Group and its wholly owned subsidiaries Penn-America, Penn-Star and Penn-Patriot Insurance Companies (hereinafter referenced as “Penn-America”). Penn-America has prepared this Web site in good faith, but cannot make any representations as to the accuracy and completeness of the information. The information may be incomplete, may contain errors or may become out of date.

THUS - THIS WEB SITE AND THE INFORMATION CONTAINED THEREIN IS PROVIDED “AS IS” WITH NO WARRANTIES, EITHER EXPRESS OR IMPLIED (INCLUDING, WITHOUT LIMITATION, WARRANTIES OF TITLE, INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE).

Limit of Liability

As previously stated, Penn-America prepared this Web site in good faith. It used all reasonable efforts to include complete and accurate information. However, errors or omissions sometimes occur. Penn-America therefore cannot make any warranties or representations as to the accuracy or completeness of the information in its Web site; and under no circumstances shall Penn-America, or any party involved in creating, producing or delivering this Web site, be liable to any user of this site for any direct, incidental, consequential, indirect, or punitive damages that arise out of the use of, or inability to use, this Web site, EVEN IF PENN-AMERICA HAD BEEN ADVISED OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES.

Applicable law may not allow the limitation of liability stated above, so if any part of this limitation of liability is found to be invalid or unenforceable for any reason, then the aggregate liability of Penn-America under such circumstances for liabilities that otherwise would have been limited shall not exceed one hundred dollars ($100).

Also be advised that Penn-America makes no warranties or representations as to, and assumes no liability for, any damages to, or viruses that may infect, the user’s computer equipment or other property, real or personal, arising out of the user’s access to, use of, or browsing in this Web site.

Forward-Looking Statements

Certain information contained in this Web site is not historical fact, but constitutes forward-looking statements, including but not limited to, such matters as anticipated financial performance, business prospects, technological developments, new and existing products, expectations for market segment and growth and similar matters. In connection with the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995, Penn-America provides the following cautionary remarks regarding important factors which, among others, could cause actual results and experience to differ materially from the anticipated results or other expectations expressed herein. The risks and uncertainties that may affect the operations, performance, development, results of business and other matters referred to above include, but are not limited to: (1) changes in the business environment in which Penn-America operates, including inflation and interest rates; (2) changes in taxes, governmental laws and regulations; (3) competitive product and pricing activities; and (4) difficulties of managing growth profitability. For additional disclosure regarding potential risk factors, the user should refer to Penn-America’s latest 10-K filed with the Securities and Exchange Commission.

Links

There are connections that have been established on this Web site so that the user may go to another Web site. The Web sites and material accessed through this Web site are not under the control of Penn-America. Penn-America makes no warranties or representations, and disclaims any liability arising out of access to, and use of, these other Web sites. The links are provided solely for the user’s convenience, and their inclusion does not constitute or suggest approval and/or endorsement of the sites or their content.

Copyright and Trademark Notice

All content you see on this Web site is subject to trademark, service mark, trade dress, copyright and/or other intellectual property rights or licenses held by Penn-America or one of its affiliates or third parties. The content contained on this Web site is intended solely for your personal, non-commercial use. You may not modify, reproduce, broadcast, or publicly display, perform, distribute or otherwise use the content in any media or for any public or commercial purpose. © Penn-America Insurance Company 2001 - 2005. All Rights Reserved.

Domestic Use/Export Restriction

This Web site is operated in the United States. Use of this Web site from other locations may not be appropriate, and Penn-America makes no representations about such usage. Without limiting the generality of the foregoing, this Web site may not be used by users subject to the privacy laws and regulations of the European Union. Viewers who access this site from locations outside the United States do so on their own initiative and must bear all responsibility for compliance with local laws, if applicable.

Jurisdiction and Choice of Law

These terms and all claims related to this Web site shall be interpreted and reviewed under the laws of the United States and the State of Pennsylvania (without regard to the conflicts of laws rules of that or any other jurisdiction). Any claim arising in connection with these terms or this Web site must be commenced within one (1) year after such claim arises. Any legal action must be brought only in the state of federal courts located in Philadelphia, Pennsylvania, and you agree to submit to the exercise of personal jurisdiction of such courts for the purpose of litigating any such claim.

Submission of Information or Materials

You agree to provide true, accurate, current and complete information about yourself if and when you elect to provide personal information to Penn-America. You also agree to maintain and promptly update any such information to keep it accurate. Other than personally identifiable information, which is addressed under the company's Privacy Policy, any and all comments, suggestions, ideas, graphics, or other information you transmit or post to the Web site becomes and will remain property of Penn-America and may be used by Penn-America anywhere, anytime and for any reason whatsoever. Except as may be provided in the Privacy Policy, any information or materials submitted through this Web site will be treated as non-confidential and non-proprietary, and Penn-America will not have any obligation to use or evaluate any information it receives from you. Penn-America will not have to pay you or anyone else for using any ideas or other materials that you may transmit to or post on this Web site.

No Waiver

Penn-America's failure to exercise or to enforce any right or provision of these terms of use shall not constitute it's waiver of such right or provision.

Sever Ability and Integration; Entire Agreement

If any provision of these Terms of Use is found by a court of competent jurisdiction to be invalid or unenforceable, you and Penn-America nevertheless agree that the court should give effect to Penn-America's intentions as reflected in such provision, and the other provisions of these Terms of Use shall remain in full force and effect. These Terms of Use and our Privacy Policy constitute the entire agreement between you and Penn-America regarding the Web site and the information contained on or accessible through such Web site.