Your use of FAO is expressly conditioned on your acceptance of the terms and conditions below. By using FAO, you signify your assent to these Terms and Conditions and agree to be bound thereby. If you do not agree with any part of the following Terms and Conditions, you must not use this site.
The Terms and Conditions may be modified by Progressive from time to time. Continued use of FAO by you will constitute your acceptance of any modifications to the Terms and Conditions, so check this page regularly. You can access the Terms and Conditions any time from the bottom of any page in FAO. Your failure to follow the rules herein, whether listed below or in supplemental notices posted at various times on this page, may result in termination of your access to FAO, in addition to Progressive's other remedies.
FAO is a comprehensive Web site which allows The Agency Group of Progressive Insurance Companies to support and communicate with our agents electronically by providing access to policyholder information (limited to your book of business), agent records (including commission statements), relevant technology, as well as the most current information and news to assist you in your business. You agree not to disrupt, modify or interfere with FAO, or impede or interfere with others’ use of FAO, or its associated software, hardware and servers in any way. You further agree not to alter or tamper with any information on or associated with FAO. This site and the content provided in this site, including the text, graphics, button icons, and data compilations, may not be copied, reproduced, republished, uploaded, posted, transmitted or distributed without the written permission of Progressive, except that you may display and print the materials presented on this site for the specific business purpose set forth herein. Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from Progressive, is prohibited.
In some states, brokers, rather than independent agents, offer Progressive's insurance products to customers. Although there are important legal distinctions between agents and brokers, for readability purposes this website uses "agent" to refer to both. While the relationship between brokers and Progressive differs from Progressive's relationship with its independent agents, including the fact that brokers do not have binding authority, many of the same or similar tools and services on FAO are available to them. If you have any questions about the products and services described on this web site or their availability to brokers, please contact a Progressive Account Sales Manager.
FAO is a restricted use site, requiring the use of an Agent Code (or user ID) and password for access. Portions of FAO – for example, access to your online commission statements -- require a Personal Identification Number ("PIN") for access. Unauthorized use of or access to any restricted area is strictly prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without proper authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement agencies in connection with any investigation or prosecution of possible criminal and/or unlawful activity on this system. If you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas.
You are responsible for maintaining the confidentiality of your Agent Code, password and PIN. You agree to accept responsibility for all activities that occur under your Agent Code, password and PIN. Progressive is not liable for any unauthorized access to your personal information that is not the direct result of gross negligence on the part of Progressive. You will notify Progressive immediately if you believe someone else has obtained your password or PIN or any unauthorized access under your Agent Code has occurred or may occur. Progressive may block access to your Agent Code and/or PIN without prior notice if we believe your Agent Code or PIN is being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons, including, without limitation, system upgrades and/or modifications.
Except where otherwise indicated, all materials contained in this Web site are the copyrighted property of Progressive Casualty Insurance Company, its affiliated companies and/or third party licensors. Drive® is a registered service mark of Drive Trademark Holdings LP and is licensed to Progressive Casualty Insurance Company. The Progressive logo, all other service marks, and the names of various products and services described within are service marks of Progressive Casualty Insurance Company and/or its affiliated companies (collectively "Progressive").
Progressive reserves all rights to its intellectual property. Any materials printed or downloaded from FAO shall retain all copyright and other proprietary notices in the same form and manner as on the original.
You are not authorized to use any portion of FAO or any other intellectual property of Progressive on any other Web site, in the meta-tags of any other Web site or in any other materials. You may not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of FAO’s content (except as permitted herein) or frame FAO within any other Web site.
Notice regarding personal information about agents:
We may collect the following categories of personal information about you:
We may use this personal information about you for the following purposes:
FAO contains links to other Internet Websites ("Third-party Sites") that are not maintained by Progressive. Access to Third-party Sites is at your own risk and Progressive is not responsible for the accuracy or reliability of any information, data, opinions, advice or statements made on these Third-party Sites. Progressive provides these links solely for your convenience. Progressive makes no warranties or representations about the content of, or any products or services offered in, such Third-party Sites. You should not interpret any link to/from such Third-party Sites as indicating that Progressive sponsors or endorses such sites or their materials or that these Third-party Sites are affiliated with Progressive in any manner. We recommend that you take the time to read the privacy and data security policies of all Third-party Sites.
The information and descriptions contained in FAO are intended as general information and are not necessarily complete descriptions of all terms, exclusions and conditions applicable to the products and services offered by Progressive. The insurance coverage afforded by Progressive is subject to the terms and conditions of the policies issued. Progressive reserves the right to withdraw products or services referred to in FAO at any time.
FAO (including all information and materials contained on this site) is provided “as is” and “as available” without warranties of any kind either express or implied. Progressive disclaims all warranties, express or implied, with respect to FAO, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement of third party rights, and those arising by statute or otherwise in law or from a course of dealing or usage of trade. Progressive does not warrant that the operation of FAO will be uninterrupted or error-free, that any defects will be corrected, or that FAO or the server that makes it available are free of viruses or other harmful components. Progressive does not warrant or make any representations regarding the accuracy, completeness, currency or reliability of FAO, any of the information or materials found on FAO, or the use or the results of the use of the information or materials in FAO. Progressive disclaims any warranty or representation that this site, its servers or any e-mail sent from Progressive are free of viruses or other harmful components. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you.
Progressive assumes no responsibility for, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to or use of this site or your downloading of any materials or data from the site. In no event shall Progressive be liable for any indirect, incidental, consequential, special, exemplary or punitive damages of any kind (including but not limited to lost profits or lost opportunity), whether based in contract, tort, strict liability, or otherwise, which arises out of or is in any way connected with (i) any use of FAO or content found herein, (ii) any failure or delay (including but not limited to the use of or inability to use any component of FAO), or (iii) the performance or non-performance by Progressive, even if Progressive has been advised of the possibility of such damages.
Use of FAO shall be governed by and construed in accordance with the laws of the State of Ohio without giving effect to any principles of conflict of laws. Any dispute concerning FAO or these Terms and Conditions shall be subject to the exclusive venue of a court of competent jurisdiction in Cuyahoga County, Ohio. Your use of FAO constitutes your express consent to the personal jurisdiction of such courts for the purpose of resolving any such dispute. Should any provision of these Terms and Conditions of use be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.
You agree to defend and indemnify Progressive, including all corporate affiliates, and their respective officers, directors, employees and agents from and against any claim, cause of action or demand, including without limitation reasonable legal and accounting fees, brought by or on your behalf or by third parties as a result of your breach of these Terms and Conditions.
In the event Progressive takes legal action against you in order to enforce, protect or defend any of its rights pursuant to these Terms and Conditions and prevails, you agree to pay all reasonable costs and fees incurred by Progressive, including but not limited attorneys’ fees, in addition to any other relief to which Progressive may be entitled.