SUBMISSION TERMS AND CONDITIONS

BY SUBMITTING CONTENT TO US AND/OR BY CLICKING THE "I ACCEPT" BUTTON BELOW YOU AGREE TO THESE SUBMISSION TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO BE BOUND BY THESE SUBMISSION TERMS AND CONDITIONS, DO NOT CLICK "I ACCEPT" AND YOU ARE NOT PERMITTED TO SUBMIT ANY CONTENT ON OR THROUGH THIS WEBSITE.
You agree that you will not submit to this website, whether via email, direct posting, uploading or other transmission) any message, information, data, text, software or graphic files, or other materials, whether in written, verbal, electronic, digital, machine-readable or other form, whether now known or hereafter to become known ("User Content") that is unlawful, tortious, defamatory, or that may be invasive of another's copyrights, trademarks, right of privacy or right of publicity. You represent and warrant that you have all necessary rights to submit such User Content to Haviland Insurance Haviland ("Haviland") for Haviland's unrestricted use thereof and agree that any and all User Content submitted by you is hereby irrevocably assigned to Haviland, together with all intellectual property rights therein. To the extent any of the User Content is not assignable, you agree that Haviland is hereby granted an irrevocable royalty-free, fully paid up right and license, throughout the universe and in perpetuity, to use, reproduce, modify, adapt, publish, broadcast, license, perform, post, sell, translate, create derivative works from and distribute any User Content for any purpose whatsoever, commercial or otherwise, in any medium now known or hereafter devised, without compensation or credit to the provider of the User Content. You also give up any claim that any use by Haviland and/or its licensees of any User Content violates any of your rights, including but not limited to moral rights, privacy rights, rights to publicity, proprietary or other rights, and/or rights to credit for the material or ideas set forth therein. Haviland and its licensees shall have the right, but not the obligation, in their sole discretion to edit, refuse to post, or remove any User Content, in whole or in part, submitted by you. Without limiting the foregoing, Haviland and/or its licensees shall have the right to remove any User Content that is in violation of the provisions hereof or otherwise objectionable. You agree to indemnify and hold Haviland, its affiliates, and its and their licensees harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your violation of these Submission Terms and Conditions or your violation of any rights of another.