Government Entities Mutual, Inc.
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Terms & Conditions

Legal Notice

Please read the terms and conditions of use of GEM's website carefully. By accessing the GEM website and any pages thereof, you acknowledge your agreement with and understanding of the following terms of use and legal information pertaining to both GEM's website and any material on it. If you do not agree to the terms and conditions below, do not access GEM's website or any pages thereof.


Texts, pictures footage and graphics and their appearance in the GEM website are protected under copyright law and other protective legislation. These materials or any portions thereof may be used solely for personal and non-commercial purposes. Any contents and components of the GEM website stored, reproduced or distributed, provided that permission has been granted to do so, must contain a reference to GEM's copyright. Pictures and footage as well as articles from newspapers and magazines appearing in the GEM website may also in certain instances be subject to the intellectual property rights of third parties. All rights are reserved.

Disclaimer of warranties

GEM has used its discretion, best judgment and all reasonable efforts in collecting and preparing the information, documents (incl. copy, graphics, pictures, etc.) or other items provided or available herein, but any such information, document or other item is provided or available without any warranty of any kind, either expressed or implied, including but not limited to, the warranties of completeness, accuracy, fitness for a particular purpose, or non-infringement of any intellectual property rights. GEM hereby disclaims any liability to any person for any kind of loss or damage including, but not limited to, any special, incidental, indirect or consequential damages caused by errors or omissions in the information, documents or other items provided or available herein, whether such errors or omissions result from negligence, accident or any other cause. The information, documents or other items provided or available herein could include technical inaccuracies or typographical errors. GEM reserves the right, without the need to give prior notice, to modify or supplement the information, documents or other items provided or available herein.

Liability for virus infected software

While GEM has used its discretion, best judgment and all reasonable efforts in maintaining the GEM website virus free, it declines any liability for persons, property damage or especially direct, indirect, immediate or subsequent pecuniary loss which may result from the transmission or downloading of computer viruses. Especially excluded is liability for hardware damage, loss of data, alteration of data, or downtime.

Links to third-party sites

Clicking on certain links on the GEM website allows you to leave the GEM website. The linked site is not under the control or influence of GEM and the latter is not responsible for the contents and design of or for any changes made to the linked site. GEM therefore shall be liable neither for offsite material contained in linked sites nor for any links contained in the linked site.

Executive Office: 116 South River Road, Building D, Unit 4, Bedford, NH 03110
Domiciliary Office: 1444 I Street, NW, Suite 950, Washington, DC 20005
ph: 603.223.0321   fax: 202.318.3220
Terms and Conditions
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