Terms of use


Clem Insurance Group Terms of Use for cleminsure.com

These Terms of Use outline the terms and conditions relating to your use of cleminsure.com and provide additional information about Clem Insurance Group. These Terms of Use are applicable to your use of this site regardless of how you accessed it. If you do not wish to be bound by these Terms of Use, please discontinue using and accessing this site immediately.

Privacy Policy

To receive information about Clem Insurance Group’s Privacy Policy, please visit our Notice of Privacy Policy.

Your Use of This Site

You may not use this site to engage in any illegal activity. You may not use this site to engage in conduct that is defamatory, libelous, threatening, or harassing or that infringes on a third party’s intellectual property or other proprietary rights. In the event you engage in activity that is illegal, defamatory, libelous, threatening, or harassing, Clem Insurance Group reserves the right to disclose any information you provide through the use of this site or other Clem Insurance Group-owned electronic sites or applications to law enforcement authorities as deemed appropriate in the sole discretion of Clem Insurance Group. You agree that any information you provide through this site will be truthful and accurate. Clem Insurance Group reserves the right to require a customer change their User ID or answers to security questions if they are deemed inappropriate at Clem Insurance Group’s sole discretion and judgment.

Emails to Clem Insurance Group Addresses

The Clem Insurance Group email system is a private email system intended only for purposes authorized by Clem Insurance Group. You are not authorized to send numerous unsolicited commercial email messages to any email addresses @cleminsure.com. Clem Insurance Group reserves the right to take actions as may be necessary to prevent misuse of its email system by unauthorized parties.

Disclaimer of Warranties

Any information, services, materials, software, calculators or other items on this site are provided “as is” without any warranty of any kind, either expressed or implied, including without limitation the implied warranties of merchantability and fitness for a particular purpose. Clem Insurance Group does not warrant that this site will be uninterrupted or error free. Any risk arising out of use or performance of the information, services, materials, software, calculators or other items remains entirely with you. Under no circumstances will Clem Insurance Group be liable for any damages whatsoever arising out of the use or performance of the information, services, materials, software, calculators or other items.

Secured Areas/Passwords

Some portions of this site are restricted and require authorization for access. Unauthorized use of or access to these areas is 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 authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal 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.

If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. Clem Insurance Group will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, you should contact Clem Insurance Group. Clem Insurance Group will not be responsible if you do not properly secure your password or if you choose to share your password with anyone else. In order to protect your personal information Clem Insurance Group encourages you to change your password every six months.

Clem Insurance Group Intellectual Property Rights

The Clem Insurance Group logo, the term “Clem Insurance Group” and all other Clem Insurance Group trademarks are the intellectual property of the Clem Insurance Group. Intellectual property rights of third parties may apply where noted. Except where otherwise indicated, all materials on this site including but not limited to graphics, text, software, audio, video, and files, are the property of Clem Insurance Group and are protected by copyright or other intellectual property laws.

Clem Insurance Group reserves all rights to its intellectual property. You may print out a single copy of pages on this site for your personal, non-commercial use provided that all copyright, trademark or other notices are retained. ALL OTHER USES ARE PROHIBITED.

You are not authorized to use any portion of this site or any other Clem Insurance Group intellectual property on any other site, in the meta-tags of any other site or in any other materials. You may not duplicate, distribute, display, perform, create derivative works, or otherwise use any of this site’s content or frame this site within any other site.

Links to/From Other Sites

For your convenience, Clem Insurance Group may provide links to other Internet sites that Clem Insurance Group does not maintain. You should not interpret any link to/from other sites as indicating that Clem Insurance Group sponsors or endorses the sites or their materials or that the sites are affiliated with Clem Insurance Group in any manner. Clem Insurance Group is not responsible for anything contained on such sites and makes no warranties or representations about the contents, products or services offered on such sites. Clem Insurance Group is not responsible for and makes no warranties or representations about the content, products or services offered on any sites that you may elect to use in connection with this site.

Other Agreements

These Terms of Use apply to your use of this site and do not change or alter any other contract or agreement between you and Clem Insurance Group.

Insurance Quotes/Coverages

At this time, on-line quotes may not be available for all states or provinces, products, services or coverage selections. For additional information about products, services or coverage selections otherwise offered by Clem Insurance Group, please contact a Clem Insurance Group agent.

All quotes generated by this site are estimates based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on this site are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to Clem Insurance Group. All applications are subject to underwriting approval. Coverages and availability may vary by state or province; and additional minimum coverage limits may be available in your state. For additional information, please contact a Clem Insurance Group agent.

Online Claims Submissions

If you are a Clem Insurance Group customer, you may elect to report an insurance claim online where available. Your submission does not commit Clem Insurance Group to coverage for this loss. Information you submit regarding your insurance policy and the loss is subject to review and verification. Clem Insurance Group reserves the right to request additional information prior to reaching a decision on the claim. A claim representative will be communicating with you regarding your claim. All policy provisions contained in your policy remain in effect. If you have any questions concerning the coverage afforded by your policy, please contact your Clem Insurance Group agent.

Changes to This Document

The content of this site and of these Terms of Use are subject to change without prior notice.

Applicable Law/Severability

These Terms of Use shall be governed by and interpreted according to the laws of the State of Arkansas without respect to any conflict of laws provisions. If any portion of these Terms of Use is unlawful, void or unenforceable, it shall not affect the validity or enforceability of any other provision.

Additional Information About Clem Insurance Group

Insurance Licensing information – General

Clem Insurance Group is organized under the laws of the State of Arkansas and licensed in 5 states, Alabama, Arkansas, California, Louisiana and Utah. The company is principally engaged in writing auto, home, life and medicare insurance. NAICS 524210


Language Notice

Clem Insurance Group insurance policies, agreements, applications, forms and required notices are written in English. This document has been translated for your convenience. In the event of any difference in interpretation, the English language version controls.

Contact Information

Please contact us for additional information.

Put You & Your Family in Good Hands

Clem Insurance Group offers you diverse insurance options that will both protect you and your hard-earned investments. Check out our offers and get the best coverage you need.

Get In Touch

Do you need more information? You may send it directly to us.