Important Notice — Effective June 17, 2002

By using in any manner (whether browsing, sending an e-mail to a e-mail address, or using any other content or materials on, you agree to all terms and conditions contained or referenced in these Terms of Use. These Terms of Use apply only to your use of and do not change or alter any other agreement or contract between you and North Light Specialty Insurance Company, Allstate Insurance Company and its subsidiaries ("Allstate").

Allstate 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 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 do not use this Web site or send e-mail to any e-mail address.

Jurisdictional Statement

This Web site is controlled, operated and intended for use only in the United States of America. We do not represent that materials on this Web site are appropriate or made available for use outside of the United States of America.

Privacy Policy

Our Privacy Statement describes our use and protection of nonpublic personal information ('customer information') and will help you understand how we treat the customer information that we obtain from you or other sources in the course of providing you with products and services. We urge you to read our Privacy Statement.

Ownership of Materials and Restrictions on Use

The information on this Web site, along with any materials (including, for example, press releases and product descriptions) is the copyrighted work of Allstate and is protected under United States and worldwide copyright laws and treaty provisions. Allstate grants you permission to copy such materials so long as each copy: (i) is solely for informational, non-commercial use and is not modified or revised in any manner; (ii) plainly displays all copyright and other proprietary notices in the same form and manner as on the original; and (iii) displays a statement that the materials are used solely with permission of Allstate. To seek permission for any other use, please contact Allstate.

Bulk E-Mail and Other Prohibited E-Mail

The Allstate computer network (which includes, but is not limited to, the technology and applications which support the e-mail functionality Allstate provides its officers, employees, independent contractor agents, and other authorized users) is the private property of Allstate. Allstate prohibits any bulk e-mail transmissions to be sent, or caused to be sent, over the internet to e-mail addresses unless Allstate, through one of its officers, has specifically requested or authorized the sending of such bulk e-mail. For purposes of these Terms of Use, the word 'bulk' shall mean an e-mail message, or group of identical or similar e-mail messages, sent to more than 20 different addresses in any 24-hour period.