Bankers Cooperative Group

Terms of Use

The following terms and conditions govern all use of the website and all content, services and products available at or through the website (taken together, the Website). The Website is owned and operated by Bankers Cooperative Group, Inc.

These “Terms of Use” have been established to explain the conditions for your use of this website, including how you may and may not use the information provided on our website, and our intent in providing such information to you. By accessing any areas of, you agree to be bound by the terms of use set forth below. If you disagree with these Terms of Use, please do not use this website.

Bankers Cooperative Group, Inc. provides this website without charge to adult members of the general public for the purpose of providing users information about Bankers Cooperative Group, Inc., its services, insurance services in general, and other information, including policy information for policyholders. The website may be used for that purpose only and not for any other purposes. By using the website, you represent that you are at least eighteen (18) years of age. If you are not 18, do not use the website.

Agreement to be Legally Bound by These Terms of Use

By using the website or downloading materials from the website you agree to abide and be legally bound by these terms of use and any term or conditions within the website itself (collectively, “Terms of Use”). If you do not agree to abide and be legally bound by these Terms of Use do not use the website or download information from the website.

Limited License

Subject to these Terms of Use, Bankers Cooperative Group, Inc. grants you a non-exclusive, non-transferable, limited right to access, use and display this website and the materials and information thereon. You agree not to interrupt or attempt to interrupt the operation of the website.

You may use the website and view and download the information only for the purposes stated above. This license is not a transfer of title in the information or any copies of the information and is subject to the following restrictions: 1) you may not modify the information in any way or reproduce or publicly display, perform, or distribute or otherwise use the information for any public or commercial purpose; 2) you must not transfer the information to any other person unless you give them notice of, and they agree to accept, the obligations arising under these Terms of Use; and 3) you may not use the website or information to send Bankers Cooperative Group, Inc. or any other person unsolicited commercial e-mail. You agree to abide by all additional restrictions displayed on the website as it may be updated from time to time. This website, including all information, is protected by worldwide copyright and trademark laws and treaty provisions. You agree to comply with all copyright laws in your use of this website and to prevent any unauthorized copying of the information. Except as expressly provided herein, Bankers Cooperative Group, Inc. does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secrets.

Intellectual Property

All of the materials on this website, including the organization and layout of this website and all graphics and logos, are owned and copyrighted by Bankers Cooperative Group, Inc. You may access, download, and print materials from this website for your personal noncommercial use, but understand that by doing so you do not obtain any rights, interest, or title to the materials you read, print, or download. You cannot copy, modify, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, link to, or frame in another website or use on any other website, or transfer or sell any information obtained from this website without written permission from Bankers Cooperative Group, Inc.

By using this website, you warrant to Bankers Cooperative Group, Inc. that you will not use this website or any of its contents for any unlawful use, or any use that is otherwise prohibited pursuant to these Terms of Use.

Links to Third-Party Sites

We may, solely for your convenience and additional information, include hyperlinks to sites operated and controlled by other parties unrelated to us. We do not endorse such sites, nor do we guarantee that the information contained within them is accurate and/or complete. If you elect to link to any third-party sites, you do so at your own risk. Please also note that the terms of the Privacy Policy provided on this website apply only to this website. We do not control whatsoever the handling of your information by third parties once you leave our website, and are not responsible for the handling and use of any personal information you provide to third-party sites. Accordingly, we strongly encourage you to carefully review the privacy policy of any third-party site visited before releasing any personal information.

Disclaimer of Warranties

All information, services, products, or other material on this website are provided “as is” without warranty of any kind. BANKERS COOPERATIVE GROUP, INC. STRIVES TO MAKE SURE THAT THE INFORMATION ON ITS WEBSITE IS ACCURATE, BUT INACCURACIES OR ERRORS CAN OCCUR. YOU USE THIS SITE AT YOUR OWN DISCRETION AND RISK. In no event shall Bankers Cooperative Group, Inc., its suppliers, and/or its agents be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with the use of this website or with the delay or inability to use this website, or for any information, materials, and/or services obtained through this website, or otherwise arising out of the use of this website, whether based on contract, tort, strict liability, or otherwise, even if Bankers Cooperative Group, Inc., its suppliers, or any of its agents has been advised of the possibility of damages.

General Representation and Warranty

You represent and warrant that (i) your use of the Website site will be in strict accordance with the Bankers Cooperative Group, Inc. Privacy Policy with these Terms of Use and with all applicable laws and regulations (including without limitation any local laws or regulations in your country, state, city, or other governmental area, regarding online conduct and acceptable content, and (ii) your use of the website will not infringe or misappropriate the intellectual property rights of any third party.

Violations of Terms of Use

Bankers Cooperative Group, Inc. reserves the right to pursue all available remedies, including the right to block access to the website from a particular internet address, against anyone who violates these Terms of Use or who misuses the website or any of the features, functions or information thereon, or who interferes with the operation of the website or the use thereof by others.


These Terms of Use constitute the entire agreement between Bankers Cooperative Group, Inc. and you concerning the subject matter hereof, and may only be modified by a written amendment signed by an authorized executive of Bankers Cooperative Group, Inc., or by the posting by Bankers Cooperative Group, Inc. of a revised version of these Terms of Use. Except to the extent applicable law, if any, provides otherwise, this Agreement, any access to or use of the website will be governed by the laws of the state of New Jersey, U.S.A., excluding its conflict of law provisions, and the proper venue for any disputes arising out of or relating to any of the same will be the state and federal courts located in Union County, New Jersey.

Changes to These Terms of Use

Bankers Cooperative Group, Inc. reserves the right, at its sole discretion, to modify or replace any part of these Terms of Use without notice to you. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of or access to the Website following the posting of any changes to these Terms of Use constitutes acceptance of those changes. Bankers Cooperative Group, Inc. may also, in the future, offer new services and/or features through the Website (including the release of new tools and resources). Such new features and/or services shall be subject to the terms and conditions of this Agreement.