Your use of this web site constitutes your agreement to the terms and conditions that follow and that you will not use our website for any purpose that is unlawful, illegal or in violation of our Terms. Information that we collect may be used to occasionally notify you about important changes to our web site, new services and offers that we feel might interest you. If you would rather not receive this information, simply reply with an email that indicates “remove” in the subject line.
Any form that you may complete on our site that requires personal information, is protected by Secure Sockets Layer (SSL). Looking at your browsers address line you’ll note that the webpage begins with https://, you may also note when using some browsers that there will be a closed padlock icon at the bottom of the screen, both are your indication that your information will be encrypted.
Information We Collect.
We collect non-public personal information about you from the following sources:
- Information we receive from you on quotation requests, applications, other forms, website and from telephone calls,
- Information received from Internet cookies (an information collection device from a Web server),
- Information about your transactions with us, our affiliates or others such as premium payment history, tax information, claim information, investment information, and accounting information; and
- We may also request from you information concerning your finances such as your income, assets, and employment status; information about your spouse or dependents; medical information and/or certain demographic information. We may need to contact other sources before we can provide you with our products and services.
How We Treat The Non-public Information.
Of course, any non-public personal information we receive about you is confidential. We limit access to personal information about you to those employees and business associates with appropriate authority and for intended business purposes only. We additionally take reasonable electronic security measures on our web sites. We will not disclose your personal information for any purpose other than in the process of securing coverage for you, to any nonaffiliated company unless we have a written agreement that requires such nonaffiliated company to protect the confidentiality of this information, or as permitted or required by law. We also maintain the same standards of privacy after a customer relationship has ended as we do for current customers and consumers.
We may have to provide the above described non-public information that we collect to authorized persons or entities to comply with a subpoena or summons by federal, state or local authorities and to respond to judicial process or regulatory authorities having jurisdiction over our company for examination, compliance or other purposes as permitted or required by law.
We may disclose all of the information we collect, as described above to companies that perform marketing services on our behalf or to others whom we have joint marketing agreements.
If you prefer that we not disclose non-public personal information about you to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted or required by law).
YOU EXPRESSLY AGREE THAT USE OF OUR SITE IS AT YOUR SOLE RISK. THE MATERIAL PROVIDED ON THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF TITLE, NONINFRINGEMENT, OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE WITH RESPECT TO THE WEBSITE, ANY USE OF THE WEBSITE AND ANY WEBSITE TO WHICH THE WEBSITE IS LINKED. WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, EVEN IF WE ARE MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. WE DO NOT WARRANT THAT THE MATERIAL ON THE WEBSITE IS COMPLETE OR ACCURATE, THAT USE OF THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE, OR THAT THIS WEBSITE OR SERVER OR ANY MATERIAL ON THIS WEBSITE IS FREE OF DISABLING DEVICES.
CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.