By using any portion of dtric.com in any manner, you agree to all terms and conditions contained or referenced in these Terms of Use. These Terms of Use apply to your use of dtric.com regardless of how you accessed it, and do not change or alter any other agreement or contract between you and DTRIC Insurance.

DTRIC Insurance reserves the right, in its sole discretion, to modify or change these Terms of Use at any time without prior notice to you. Your continued use of dtric.com following the posting of any changes to the Terms of Use constitutes acceptance of those changes.

If at any time you choose not to accept these Terms of Use, please discontinue using dtric.com or send e-mail to any dtric.com e-mail address.

Privacy Policy

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

Your Use of This Site

You agree that you shall not use this site to engage in any illegal activity or any activity that is prohibited by these Terms of Use. You agree to not use dtric.com to engage in conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party’s intellectual property or other proprietary rights.  You further agree to not use dtric.com in any manner which could damage, disable, overburden, or impair dtric.com or interfere with any other party’s use and enjoyment of dtric.com.  In the event you engage in activity that is illegal, defamatory, libelous, threatening, or harassing, or if your use damages, disables, overburdens, or impairs dtric.com or interferes with any other party’s use and enjoyment of dtric.com, DTRIC Insurance reserves the right to seek any and all remedies available to DTRIC Insurance at law or in equity, as well as disclose any information you provide through the use of this site or other DTRIC Insurance owned electronic sites or applications to law enforcement authorities as required by law or as deemed appropriate in the sole discretion of DTRIC Insurance. You agree that any information you provide through this site shall be truthful and accurate. DTRIC Insurance reserves the right to require a customer change their User ID or answers to security questions if they are deemed inappropriate, at DTRIC Insurance’s sole discretion and judgment.

Emails to DTRIC Insurance Addresses

The DTRIC Insurance email system is a private email system that shall only be used for purposes authorized by DTRIC Insurance. You agree that you will not send unsolicited commercial email messages or any email messages that are inappropriate, malicious, and/or harmful in any way to any email addresses @dtric.com. DTRIC Insurance reserves the right to take any and all actions as may be necessary to prevent misuse of its email system by unauthorized parties.

Disclaimer of Warranties

You agree that any information, services, offers, materials, software, links, or other items on this site, including information, services, offers, materials, software or other items provided by third parties, 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. DTRIC Insurance makes no representations relating to the suitability, reliability, completeness, availability, timeliness, lack of viruses or other harmful components, and/or accuracy of the information and content provided by or contained on dtric.com.

You agree to assume any and all risk arising out of your use of the information, services, materials, software, and/or other items provided by or contained on dtric.com.

DTRIC Insurance does not warrant that this site will be uninterrupted or error free, or that defects will be remedied. Access may be occasionally suspended to allow for repairs or maintenance. While we have taken care in the maintenance of dtric.com, you agree that DTRIC Insurance is not liable for the inherent risks of the internet, including but not limited to loss of data, computer virus infection, spyware, malware, Trojans and worms.

Limitation of Liability/Indemnification

You agree that under no circumstances shall DTRIC Insurance be liable for any and all claims, loses, damages, expenses (including attorneys’ fees), and costs of any kind or nature whatsoever arising out of or related in any way to any use of the information, services, offers, materials, software, links, and/or other items provided by or contained on dtric.com, and expressly waive any and all claims related thereto that you may have against DTRIC Insurance.

You further agree to defend, indemnify, and hold harmless DTRIC Insurance, its officers, directors, employees, agents, assignees, and successors in interest from and against any and all claims, loses, damages, expenses (including attorneys’ fees), and costs of any kind or nature whatsoever arising from or in any way related to your use of dtric.com and/or your violation of these Terms of Use.

Secured Areas and Passwords

Some portions of this site are restricted and require authorization for access and unauthorized use of these areas is prohibited. You agree that you will not use or access these areas unless you have received the proper authorization from DTRIC Insurance. 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 agree not to attempt to access such areas.

If you are an authorized user of any restricted area, you agree that you are solely responsible for maintaining the security and confidentiality of your password. YOU AGREE TO NOT SHARE YOUR PASSWORD WITH ANYONE. DTRIC Insurance will not ask you for your password. If you know or suspect that your password has been compromised or if you suspect any unauthorized activity related to your account, you agree that you will change your password and contact DTRIC Insurance immediately. DTRIC Insurance shall not be responsible for any losses, damages, or other injuries to you or third parties resulting from your failure to properly secure your password or comply with these Terms of Use. In order to protect your personal information DTRIC Insurance encourages you to change your password every six months.

DTRIC Insurance Intellectual Property Rights

The DTRIC Insurance three mountain peaks logo, the term “DTRIC Insurance” and all other DTRIC Insurance trademarks, tradenames, service names, and service marks are the intellectual property of DTRIC Insurance, and cannot be used without the express written consent of DTRIC Insurance. 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 DTRIC Insurance and are protected by copyright or other intellectual property laws.

DTRIC Insurance reserves all rights to its intellectual property. You may print out a single copy of pages, materials, or information contained 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, any information or materials contained on this site, or any other DTRIC Insurance intellectual property for any other commercial purposes, including but not limited to 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, DTRIC Insurance may provide links to other Internet sites that DTRIC Insurance does not maintain. A link to/from other sites does not indicate that DTRIC Insurance sponsors or endorses the sites or their materials or that the sites are affiliated with DTRIC Insurance in any manner. You agree that DTRIC Insurance is not responsible for anything contained on such sites and that DTRIC Insurance makes no warranties or representations about the contents, products or services offered on such sites. You further agree that DTRIC Insurance 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.

Availability of Products and Services

Where noted, certain products or services may be subject to specific terms, conditions, representations, agreements, or geographical areas. The portions of this site related to such products and services provide additional information about terms, conditions representations, agreements, eligibility and availability.

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 DTRIC Insurance.

Insurance Quotes/Coverages

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 DTRIC Insurance. All applications are subject to underwriting approval. For additional information, please contact a DTRIC Insurance Customer Service Representative or your insurance agent.

Online Claims Submissions

If you are a DTRIC Insurance customer, you may elect to report an insurance claim online. Your submission does not commit DTRIC Insurance to coverage for this loss. Information you submit regarding your insurance policy and the loss is subject to review and verification. DTRIC Insurance 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 DTRIC Insurance Claim Representative.

Changes to This Document

DTRIC Insurance reserves the right to modify these Terms of Use at any time. When modifications appear on this site, users are deemed to be aware and bound by any changes to these rules and regulations. DTRIC Insurance reserves the right to make any improvements or changes to the content of this site at any time without prior notice.

Applicable Law/Severability

These Terms of Use shall be governed by and interpreted according to the laws of the State of Hawaii 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.

Contact Information
If you have questions about these Terms of Use, you may contact us by writing to us at:

DTRIC Insurance Company Limited
1600 Kapiolani Boulevard, Suite 1100
Honolulu, HI 96814-3878
Attention: Marketing