Comment Submission Guidelines

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    Thank you for your interest in submitting material to Liberty Mutual in connection with the Safe & Smart Living website (the "Website"). Your access to, use of and submission of material to the Website is subject to the following terms and conditions, as well as the Website's Terms of Use and Privacy Policy. You irrevocably agree that Liberty Mutual will have the right to use, reproduce, exhibit, display, distribute, edit, re-format, adapt and exploit any material or information submitted by you (the "Submissions") in any manner and all media and formats whether now known or hereafter devised, including without limitation the Website, throughout the world in perpetuity, without any further permission or approval from you. Without limitation of the foregoing, Liberty Mutual will be entitled to display your Submission and your name and biographical information (city and state of residence) on the Website for public viewing and comment. Liberty Mutual is not obligated in any way to use any of the Submissions or to remove any Submission from public display once posted. To the fullest extent allowable under any applicable law, you hereby irrevocably waive and/or assign to Liberty Mutual any right to inspect and/or approve the Website or any use of the Submissions and any so-called "moral rights" or "droit moral".

    By submitting a Submission, you warrant and represent that the Submission and any words or other materials that may be incorporated therein are original and were created solely by you, that you have all rights necessary to submit the Submission and to authorize the uses of the Submissions permitted hereunder, that the exercise by Liberty Mutual of the rights granted to it by you will not infringe upon the rights of any third party, and that no payments to or permission from any third party is required for the exercise by Liberty Mutual of the rights granted to it by you. You agree to defend, indemnify and hold harmless Liberty Mutual and its parent companies, subsidiaries, affiliates, successors, agents, assigns, and licensees, and each of their officers, directors and employees, and any and all persons who make use of the Submissions with the consent of Liberty Mutual (all of the foregoing hereinafter called "Indemnitees") from and against any and all claims, demands, damages, costs, charges, legal fees and disbursements, recoveries, judgments, penalties, expenses or losses of whatsoever kind or nature (including attorney's fees) which may be obtained against, imposed upon or suffered by the Indemnitees by reason of any breach by you of any of your warranties, representations or obligations hereunder or any claim of violation of any other rights resulting from any use made by the Indemnitees of the Submissions as permitted hereunder. By submitting a Submission, you release the Indemnitees from any and all claims and demands arising out of or in connection with use of the Submissions as authorized hereunder, including, without limitation, all claims for copyright infringement, defamation and/or violation of the right of privacy or publicity. You may not terminate or rescind the permission granted to Liberty Mutual hereunder to use the Submissions. In the event of any claim by you against Liberty Mutual, you shall be limited to your remedy at law for damages, if any, and you may not enjoin, restrain or interfere with the distribution, exhibition or exploitation of the Submissions or any Website or other production incorporating the same or the exploitation of any of Liberty Mutual's rights hereunder.

    Liberty Mutual does not want to receive confidential or proprietary information from you through this website. Any material, information or other communication you transmit or post to this website will be considered non-confidential and non-proprietary. You are prohibited from posting or transmitting to or from this website any unlawful, threatening, harassing, libelous, defamatory, obscene, or pornographic material, or material that would violate any law. You are prohibited from intentionally making false or misleading statements in any Submission and from including in any Submission any material that would infringe any copyright or would violate the personal or proprietary rights of any third party or any material that contains the confidential information of any third party.