Progressive Online Community

Terms and Conditions for Use

Last Updated: April 12, 2018

Please read these Terms and Conditions for Use ("Terms of Use") carefully before using Progressive's online channels including Facebook, Twitter, Instagram, Pinterest, YouTube and Life Lanes (the "Community" or "these Pages"). Your use of the Community is expressly conditioned upon your acceptance of these Terms of Use. If you do not agree with any part of the Terms of Use, you must not use these Pages.

Progressive Casualty Insurance Company ("Progressive") reserves the right to terminate all or a part of the Community or your access to the Community, and to modify the Terms of Use at any time for any reason. Continued use of the Community by you will constitute your acceptance of any revisions of the Terms of Use.

To use any Pages in the Community, you must be at least 13 years old.

PLEASE NOTE: Unless otherwise noted, Progressive does not collect any personal information submitted to these Pages and, therefore, your use of the Community will be subject to the social platform's specific Terms. If you supply your personal information to Progressive for the purpose of receiving email notices or other forms of communication from us, that information will be subject to the Progressive.com Terms and Conditions.

Rules for Submitting Content to the Community

Please keep the following guidelines in mind when submitting or uploading files, comments, photos, images or other content ("Content") to the Community:

  • Only submit Content that meets the basic requirements outlined on each social platform.
  • Do not submit obscene, offensive or otherwise inappropriate Content. Keep it family friendly.
  • Avoid Content that contains items that might compromise a person's privacy, such as license plates, telephone numbers, addresses, policy or claim numbers (unless requested), email addresses and billing information.
  • Do not submit photos or images that contain prominent logos or brand names.

Progressive reserves the right to refuse to post or remove Content for any reason, in its sole discretion.

All Content uploaded to, posted on, transmitted through, or linked from the Community, is the sole responsibility of the person from whom such Content originated. You are solely responsible for Content that you upload, post, email or otherwise make available through the Community and the consequences of posting or publishing it. Progressive does not control, and is not responsible for Content made available by third parties through the Community. By using the Community, you may be exposed to Content that is inaccurate, offensive, or objectionable. E-mails containing a link to Content displayed on or through the Community are not private messages and may be accessed, viewed, or redistributed by others via the Internet without your knowledge or permission.

As a condition to your use of the Community, you agree not to reproduce, duplicate, copy, sell, resell, exploit, or otherwise use the Community for commercial purposes, or submit Content that: (a) contains misrepresentations that could damage Progressive or any third party; (b) is unauthorized, unlawful, obscene, defamatory, libelous, threatening, pornographic, or offensive; (c) encourages criminal conduct; (d) may give rise to intellectual property infringement or other civil liability; (e) violates any law; or (e) is otherwise inappropriate.

You agree that you will not submit Content or otherwise use the Community in any manner that would interfere with or damage the Community, including, without limitation, through the use of viruses, cancel bots, trojan horses, harmful code, flood pings, denial of service attacks, packet or IP spoofing, forged routing or electronic mail address information or similar methods or technology.

You represent and warrant that you own or have the necessary licenses, rights, consents, and permissions to use, and by submitting Content to the Community, you authorize us to use, all or any portion of the Content, including without limitation, all patent, trademark, trade secret, copyright, privacy, publicity or other intellectual property or proprietary rights in and to any or all of the Content.

You agree that you will not submit Content protected by any third party intellectual property or other proprietary rights, including rights of privacy and publicity, unless you are the sole owner of such rights, or have permission from the rightful owner to post the material in the Content and to grant all of the license and other rights granted herein. For example, Content must not include: (a) infringing use of trademarks owned by third parties, including consumer brands or brand names; (b) copyrighted materials owned by others (including written dialogue or clips from movies, musical compositions, stock images, photographs); (c) names, likenesses, or other indicia identifying celebrities and other public figures, living or dead; (d) look-alikes of celebrities or other public figures, living or dead; or (e) personally identifiable information regarding a minor, except as permitted by law. You represent and warrant that you have the consent, release, and/or permission of each and every identifiable individual person (or his/her parent or guardian, if a minor) in the Content to allow the use of the name and/or likeness of such identifiable individual person(s) and to enable the use and distribution of the Content in any manner.

Copyright/Trademark

Progressive does not claim ownership of the Content you submit for inclusion on the Community. However, by submitting Content to the Community, you grant to Progressive a perpetual, irrevocable, worldwide, non-exclusive and royalty free license to use, distribute, reproduce, modify and publicly display the Content on Progressive's Web sites and on marketing materials promoting the Community.

Except as expressly provided above, all materials contained in the Community, including all trademarks, service marks, and trade names, are the property of Progressive, its affiliated companies, and/or third party licensors. You may not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of the Community's content or frame the Community within any Web site without prior written permission from Progressive.

Notice for Claims of Copyright Violations

Progressive does not knowingly permit anyone to post on the Community Content that infringes on the intellectual property rights of third parties. If you believe that your work has been copied and is available on the Community in a way that constitutes copyright infringement, please provide our designated agent (named below) with a notice that includes substantially the following information:

  • a physical or electronic signature of the copyright owner or a person authorized to act on their behalf;
  • identification of the copyrighted work claimed to have been infringed;
  • identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;
  • your contact information, including your address, telephone number, and email address;
  • a statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
  • a statement that the information in the notification is accurate, and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

Upon receipt of a notice meeting the above requirements, we will respond in accordance with the Digital Millennium Copyright Act to remove or disable access to the material claimed to be infringing or to be the subject of infringing activity. We will also terminate account access by repeat infringers where we deem appropriate. Our designated agent for notices concerning copyright infringement is:

Steve Klick, Digital Manager
Progressive Casualty Insurance Company
300 North Commons Blvd.
Mayfield Village, OH 44143
Steven_A_Klick@Progressive.com
440-395-1901 (phone)
440-395-1812 (fax)

Limitations of Liability

Progressive, its affiliated companies and agents shall not be liable for any injury, loss, claim, or damage of any kind, whether based in contract, tort, strict liability or otherwise, which arises out of: (a) the use of, or inability to use, the Community or Content found in the Community; or (b) unless resulting from the gross negligence or intentional actions of Progressive, the unauthorized access to or alteration of your transmissions or data, even if Progressive has been advised of the possibility of such damages. Some states do not allow the exclusion of liability for certain damages, so the foregoing exclusions or limitations may not apply to you.

Disclaimer of Warranties

YOU AGREE THAT USE OF THIS SERVICE IS ENTIRELY AT YOUR OWN RISK. THE SERVICE IS PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND. ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS ARE EXPRESSLY DISCLAIMED TO THE FULLEST EXTENT PERMITTED BY LAW. TO THE FULLEST EXTENT PERMITTED BY LAW, PROGRESSIVE DISCLAIMS ANY WARRANTIES FOR THE SECURITY, RELIABILITY, TIMELINESS, ACCURACY, AND PERFORMANCE OF THE SERVICE. TO THE FULLEST EXTENT PERMITTED BY LAW, PROGRESSIVE DISCLAIMS ANY WARRANTIES FOR VIRUSES OR OTHER HARMFUL COMPONENTS IN CONNECTION WITH THE SERVICE. Some jurisdictions do not allow the disclaimer of implied warranties. In such jurisdictions, some of the foregoing disclaimers may not apply to you insofar as they relate to implied warranties.

General Information

These Terms of Use constitute the entire agreement between you and Progressive governing your use of the Community, superseding any prior agreements between you and Progressive concerning the Community. These Terms of Use and the relationship between you and Progressive shall be governed by the laws of the State of Ohio without regard to its conflict of law provisions. Any action arising as a result of your use of the Community shall be referred to a court of competent jurisdiction in Cuyahoga County, Ohio, and each party hereby irrevocably consents and submits to such venue. The failure of Progressive to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. If any provision of these Terms of Use is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of these Terms of Use remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Community or these Terms of Use must be filed within one year after such claim or cause of action arose or be forever barred.