Terms of Use

Effective Date: April 1, 2020


Welcome to www.govictor.com. We refer to this website and its entire contents, features, design, and functionality as the “Site.” This Site is operated by Victor Insurance Holdings ("Victor").

Your Acceptance of these Terms

  1. 1. You Accept Posted Terms

    Any time you make use of this Site, you agree to comply with and be bound by the Terms in effect on your date of access (see “effective date” above). If you do not agree to be bound by the Terms, you should not access or view this Site.

  2. 2. You Accept Amendments to Terms

    Please be aware that Victor may amend the Terms from time to time. Your use of the Site following such changes constitutes your acceptance of the changes. If we make changes to these Terms, we will update the “Effective Date” at the top of the page. Accordingly, please continue to review the Terms whenever accessing the website.

  3. 3. You are Legally Capable of Accepting the Terms

    You are at least 18 years old and/or possess the legal authority to form legally binding contracts under applicable law to use this Site

  4. 4.Your Other Written Agreements are Separate From These Terms

    These Terms govern your use of this website and are separate from the terms or conditions of any other agreements you have entered into with Victor.

  5. Your Obligations as a User of this Site

  6. 5. Prohibited uses

    You agree not to make any use of this Site that:
    • is illegal, fraudulent, or abusive;
    • is defamatory or obscene;
    • could compete with the business of Victor, its business partners, or licensees;
    • violates the intellectual property rights of Victor or a third party;
    • could interfere with any third party's use and enjoyment of the Site;
    • introduces viruses or other harmful programs or code;
    • circumvents passwords, captchas, robot.txt scripts and similar technologies intended to protect users and/or our intellectual property;
    • archives, mines, or harvests any personal information or intellectual property;
    • could damage, disable, overburden, or impair any Victor server or the networks connected to any Victor server; or
    • disseminates unsolicited promotional or advertising material, spam or similar materials or any volume messages which may interfere with the operation of this Site or with the enjoyment of this Site by other visitors.
  7. 6.Linking

    • You may not make any part of the Site available as part of another website, whether by hyperlink framing on the Internet, caching or otherwise, unless you have been authorized to do so in writing by Victor. To apply for authorization, you must e-mail or write to Victor (contact details below) with the following details: (a) your name; (b) the name of your company; (c) your email address and telephone number; and (d) the website address(es) where the link(s) will appear.
    • You are free to link to any publicly available page on this Site, provided that you agree to immediately remove any such link upon Victor’s request.
  8. Site Purpose and Content

  9. 7. Intellectual Property

    This Site is owned by Victor and its licensors and protected by copyrights, trademarks, and other proprietary rights and laws. You acquire no rights in the Site or license to its content other than a limited, nonexclusive, personal license to access, view, download and print any publicly available content solely for noncommercial and informational purposes. You may not modify any content you use in any way, and all copyright, trademark, and other proprietary notices must be kept intact and remain in effect. You may not offer for sale any part of this Site. You agree to protect the proprietary rights of Victor and its licensors and agree to promptly notify Victor in writing (contact details below) if you become aware of unauthorized use of the Site that infringes on any proprietary rights.

  10. 8. Site Content; Availability

    This Site is for general information purposes only. The Site is not intended to be taken as legal, tax, financial, or other professional advice with respect to any individual situation. Victor accepts no responsibility if the information is incomplete, inaccurate, out of date, or not fit for your particular purpose. Victor reserves the right at any time and without notice to enhance, modify, alter, suspend or permanently discontinue all or any part of this Site and to restrict or prohibit access to it.

  11. 9. Links to Third Party Websites

    Solely for your convenience, this Site may provide links or redirect you to third party websites. Victor has no control over third party websites, is not liable for their accuracy, content, or security, and makes no endorsement of third party websites’ owners, contents, or services. Your use of third party websites is at your sole risk, so you should review the terms and conditions and privacy policies of any third party websites prior to use.

  12. 10. Global Access

    Victor is based in Bethesda, MD and provides this Site for use by persons located in Bethesda, MD. We make no claims that the Site or any of its content is accessible or appropriate outside of Bethesda, MD and you are responsible for ensuring any use you make of this Site complies with local law.


    This Site is provided to you “AS IS,” without any warranties or guarantees. To the extent permitted by law, Victor disclaims all conditions, representations and warranties, express, implied, statutory or otherwise, including any warranties of merchantability, fitness for a particular purpose, title, accuracy of informational content, system integration, non-infringement of third party rights, quiet enjoyment, and uninterrupted or error free operation.


    Victor accepts no liability to you arising from your use of this Site. Your sole remedy is to discontinue using this Site. Specifically, to the extent permitted by law, Victor disclaims liability for any lost profits or income, lost business, or lost data, or for any consequential, indirect, exemplary, punitive, special, or incidental damages arising from or relating to the Site. This limitation on Victor’s liability applies to Victor and all of its subsidiaries, employees, officers, directors, suppliers, subcontractors and agents. Victor’s Rights and Duties Regarding User Conduct and Submissions.

  15. 13. Use of Information you Submit

    By submitting information on this Site, you grant Victor, its affiliated companies, its service providers, and sub-licensees permission to use your information in connection with the operation of their businesses including, without limitation, the rights to: copy, distribute, transmit, reproduce, edit, translate and reformat your information. You agree that Victor may use any information it collects in connection with this Site for data analytics purposes, including but not limited to benchmarking, modeling, consulting, creating insights, reports and other analytics to provide, improve the quality of, and market Victor’s products and services. Where required by law, we obtain your consent prior to such use and/or utilize de-identified and/or aggregated data for analytics.

  16. 14. Privacy

    You agree that all personal information you provide or that we collect about you through this Site is governed by our Privacy Notice .

  17. 15. Monitoring

    Termination. Victor, in its sole discretion, has the right to (i) remove or refuse to post any user content, (ii) disclose your identity or other information about you to any third party who claims that material posted by you violates their rights or in response to a subpoena, (iii) take appropriate legal action, including referral to law enforcement, for any illegal or unauthorized use of the Site, and (iv) suspend your access to this Site and refuse to provide you with any further access to it. You agree that Victor is not liable for any damages you may suffer from its exercise of these rights.

  18. 16.Assignment

    Victor may assign these Terms and its rights and obligations under these Terms without your consent and at its sole discretion. You may not assign or transfer your rights and obligations under these Terms.

  19. 17. No Waiver

    Victor’s failure to assert its rights at any time will not be deemed a waiver of these Terms. No consent or waiver will be effective unless in writing and signed by both parties.

  20. Specific Legal Issues

  21. 18.Governing Law and Venue

    You agree that any dispute arising out of or in connection with the Site or these Terms will be governed by the laws of Maryland without reference to conflict of laws principles that would require the application of the laws of any other jurisdiction. You agree to submit to the exclusive personal jurisdiction and venue of courts located in Maryland.


    To the extent permitted by law, you agree to indemnify Victor and its affiliates, employees, officers, directors, agents, successors, and assigns against any costs, claims, losses and damages (including legal fees) incurred by or awarded against Victor as a result of your use of this Site or your breach of these Terms.

  23. 20. Invalidation of Terms.

    If a competent authority finds any portion of these Terms invalid or unenforceable, you agree that all other Terms will remain in effect.

  24. 21.Void Where Prohibited; Restrictions

    Victor reserves the right to limit, in its sole discretion, the provision and quantity of any feature, product or service on this website to any person or geographic area. Any offer for any feature, product or service made on the website is void where prohibited. If you choose to access the website from outside Maryland you do so on your own initiative and you are solely responsible for complying with applicable local laws. This website is not intended or authorized (a) for use in any territory or by any party subject to sanctions or export restrictions under laws applicable to Victor or you, or (b) in the case that website access or use in a territory or by a party would expose Victor or its affiliates to any sanction, prohibition or restriction under UN Security Council Resolutions or other trade or economic sanctions laws or regulations. You may not use, export or re(export) this website or any copy or adaptation of this website in violation United Nations Security Council Resolutions or applicable laws.

  25. How to Contact Us

  26. 22.Agent For Notice Of Claimed Copyright Infringement

    Victor respects the intellectual property rights of authors. To assist copyright owners, Victor has appointed an agent to receive notifications of allegations of copyright infringement regarding materials available on the Site. Any person authorized to act for a copyright owner may notify us of such claims by contacting us in writing at the following address:
    Victor General Counsel
    Attn: Copyright Agent
    1166 Avenue of Americas
    New York, NY 10036

  27. 23.Contact

    Any inquiries regarding this Site or these Terms should be emailed to PrivacyPolicyInquiries@victorinsurance.com or mailed to:
    Victor Insurance Holdings
    7700 Wisconsin Avenue, Suite 400
    Bethesda, MD 20814