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Terms And Conditions These Terms and
Conditions of Use govern your use of this website. This website is provided by
Findinsuranceinfo.com which is owned and operated by Online Venture Group. By
accessing this site, you are indicating your acknowledgment and acceptance of
these Terms and Conditions of Use. These Terms and Conditions of Use are subject
to change by findinsuranceinfo.com at any time in its discretion without further
notice. Your use of this site after such changes are implemented constitutes
your acknowledgment and acceptance of the changes. Please consult these Terms
and Conditions of Use regularly. These Terms and Conditions apply exclusively to
your access to, and use of, this website and does not alter in any way the terms
or conditions of any other agreement you may have with findinsuranceinfo.com for
products, services or otherwise.
Consent To Be Contacted
You understand that by submitting your personal information, you are making a
consumer inquiry for insurance and/or financial services offered by insurance
agents and/or sellers of financial services that have contracted with
findinsuranceinfo.com. You also understand that by doing so, you consent and
expect to be contacted by any and all such licensed insurance agents and/or
sellers of financial services via telephone, email or direct mail even if you
are registered on the federal do-not-call list and/or any applicable state
do-not-call list. You may withdraw your consent by notifying
findinsuranceinfo.com at
[email protected]
Representations and Warranties
You represent and warrant to findinsuranceinfo.com that, to the best of your
knowledge and ability, any and all information submitted by you to this website
is true and accurate.
Restrictions On Use
You may use this site for purposes expressly permitted by this site. You may
not use this site for any other purpose, including any commercial purpose,
without findinsuranceinfo.com’s express prior written consent. For example, you
may not (and may not authorize any other party) to co brand this site or frame
this site, without the express prior written permission of an authorized
representative of findinsuranceinfo.com. For purposes of these Terms and
Conditions of Use, “co branding” means to display a name, logo, trademark, or
other means of attribution or identification of any party in such a manner as is
reasonably likely to give a user the impression that such other party has the
right to display, publish, or distribute this site or content accessible within
this site. You agree to cooperate with findinsuranceinfo.com in causing any
unauthorized co-branding, framing or hyper-linking immediately to cease.
Proprietary Information
The material and content accessible from this site, and any other World Wide
Web site owned, operated, licensed, or controlled by findinsuranceinfo.com (the
“Content”) is the proprietary information of findinsuranceinfo.com, and
findinsuranceinfo.com retains all right, title, and interest in the Content.
Accordingly, the Content may not be copied, distributed, republished, uploaded,
posted, or transmitted in any way without the prior written consent of
findinsuranceinfo.com, except that you may print out a copy of the Content
solely for your personal use. In doing so, you may not remove or alter, or cause
to be removed or altered, any copyright, trademark, trade name, service mark, or
any other proprietary notice or legend appearing on any of the Content.
Modification or use of the Content except as expressly provided in these Terms
and Conditions of Use violates findinsuranceinfo.com’s intellectual property
rights. Neither title nor intellectual property rights are transferred to you by
access to this site.
Hyperlinks
This site may be hyper-linked to other sites, which are not maintained by, or
related to, findinsuranceinfo.com. Hyper-links to such sites are provided as a
service to users and are not sponsored by or affiliated with this site or
findinsuranceinfo.com Findinsuranceinfo.com has not reviewed any or all of such
sites and is not responsible for the content of those sites. Hyper-links are to
be accessed at the user’s own risk, and findinsuranceinfo.com makes no
representations or warranties about the content, completeness or accuracy of
these hyper-links or the sites hyper-linked to this site. Further, the inclusion
of any hyper-link to a third-party site does not necessarily imply endorsement
by findinsuranceinfo.com of that site.
Third-Party Content & Services
Findinsuranceinfo.com may provide hyperlinks to WebPages and content of third
parties ("Third-Party Content") as a service to those interested in this
information. Findinsuranceinfo.com does not monitor nor does
Findinsuranceinfo.com have control over any Third-Party Content or Third-Party
websites.Findinsuranceinfo.com does not endorse or adopt any Third-Party Content
and can make no guarantee as to its accuracy or completeness.. findinsuranceinfo
com does not warrant the accuracy of any information contained therein and
undertakes no responsibility to update or review any Third-Party Content. Users
use of these hyperlinks and Third Party-Content contained therein at their own
risk.
Trademarks
Trademarks, service marks, and logos appearing in this site are the property
of findinsuranceinfo.com or the party that provided the trademarks, service
marks, and logos to findinsuranceinfo.com. Findinsuranceinfo.com and any party
that provided trademarks, service marks, and logos to findinsuranceinfo.com
retain all rights with respect to any of their respective trademarks, service
marks, and logos appearing in this site.
Disclaimer
YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THIS WEBSITE AND THE MATERIALS IN
THIS WEBSITE ARE PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND,
EITHER EXPRESS OR IMPLIED. FINDINSURANCEINFO.COM DISCLAIMS ALL WARRANTIES,
EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
FINDINSURANCEINFO.COM DOES NOT REPRESENT OR WARRANT THAT MATERIALS ON THIS
WEBSITE ARE ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE.
FINDINSURANCEINFO.COM DOES NOT REPRESENT OR WARRANT THAT THIS WEBSITE OR ITS
SERVER(S) ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.FINDINSURANCEINFO.COM
DOES NOT WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED IN THIS SITE WILL BE
UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE
OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL
COMPONENTS. FINDINSURANCEINFO.COM DOES NOT WARRANT OR MAKE ANY REPRESENTATION
REGARDING USE, OR THE RESULT OF USE, OF THE CONTENT IN TERMS OF ACCURACY,
RELIABILITY, OR OTHERWISE. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR
TYPOGRAPHICAL ERRORS; ANDFINDINSURANCEINFO.COM MAY MAKE CHANGES OR IMPROVEMENTS
AT ANY TIME. YOU, AND NOT FINDINSURANCEINFO.COM, ASSUME THE ENTIRE COST OF ALL
NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE
ARISING FROM THE USE OF THIS SITE OR ITS CONTENT. FINDINSURANCEINFO.COM MAKES NO
WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS
AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH
CONTENT.
Findinsuranceinfo.com reserves the right to change any and all content contained
on this website at any time without notice. Reference to any products, services,
processes, or other information, by trade name, trademark, manufacturer,
supplier, or otherwise does not constitute or imply endorsement, sponsorship or
recommendation thereof by Findinsuranceinfo.com. All of the information in this
site, whether historical in nature or forward-looking, speaks only as of the
date the information is posted on this site, and findinsuranceinfo.com does not
undertake any obligation to update such information after it is posted or to
remove such information from this site if it is not, or is no longer, accurate
or complete.
Limitation of Liability
IN NO EVENT SHALL FINDINSURANCEINFO.COM, ITS SUBSIDIARIES, AFFILIATES,
LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS,
AND DIRECTORS BE LIABLE FOR ANY INCIDENTAL, DIRECT, SPECIAL, INDIRECT, PUNITIVE,
ACTUAL, CONSEQUENTIAL, SPECIAL, OR EXEMPLARY DAMAGES, OR ANY OTHER DAMAGES OF
ANY KIND, INCLUDING, BUT NOT LIMITED TO, LOSS OF USE, LOSS OF PROFITS, OR LOSS
OF DATA, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO,
NEGLIGENCE), OR OTHERWISE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE
OF THIS WEBSITE OR THE MATERIALS CONTAINED ON, OR ACCESSED THROUGH, THIS
WEBSITE.
Indemnity
You will indemnify and hold findinsuranceinfo.com, its subsidiaries,
affiliates, licensors, content providers, service providers, employees, agents,
officers, directors, and contractors (the “Indemnified Parties”) harmless from
any breach of these Terms and Conditions of Use by you, including any use of
Content other than as expressly authorized in these Terms and Conditions of Use.
You agree that the Indemnified Parties will have no liability in connection with
any such breach or unauthorized use, and you agree to indemnify any and all
resulting loss, damages, judgments, awards, costs, expenses, and attorneys’ fees
of the Indemnified Parties in connection therewith. You will also indemnify and
hold the Indemnified Parties harmless from and against any claims brought by
third parties arising out of your use of this site.
Security
Any passwords used for this site are for individual use only. You will be
responsible for the security of your password (if any).
Findinsuranceinfo.com will be entitled to monitor your password and, at its
discretion, require you to change it. If you use a password that
findinsuranceinfo.com considers insecure, Findinsuranceinfo.com will be entitled
to require the password to be changed and/or terminate your account.
You are prohibited from using any services or facilities provided in
connection with this site to compromise security or tamper with system resources
and/or accounts. The use or distribution of tools designed for compromising
security (e.g., password guessing programs, cracking tools or network probing
tools) is strictly prohibited. If you become involved in any violation of system
security, findinsuranceinfo.com reserves the right to release your details to
system administrators at other sites in order to assist them in resolving
security incidents. findinsuranceinfo.com reserves the right to investigate
suspected violations of these Terms and Conditions of Use.
Findinsuranceinfo.com reserves the right to fully cooperate with any law
enforcement authorities or court order requesting or directing
Findinsuranceinfo.com to disclose the identity of anyone posting any e-mail
messages, or publishing or otherwise making available any materials that are
believed to violate these Terms and Conditions of Use.
BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS FINDINSURANCEINFO.COM
FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY FINDINSURANCEINFO.COM DURING
OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A
CONSEQUENCE OF INVESTIGATIONS BY EITHER FINDINSURANCEINFO.COM OR LAW ENFORCEMENT
AUTHORITIES.
Termination
Notwithstanding any of these terms and conditions, findinsuranceinfo.com
reserves the right, without notice and in its sole discretion, to terminate your
license to use this website, and to block or prevent future access to and use of
this website.
Severability
If any provision of these terms and conditions shall be deemed unlawful,
void, or for any reason unenforceable, then that provision shall be deemed
severable from these terms and conditions and shall not affect the validity and
enforceability of any remaining provisions. If you have any questions about this
legal notice, the practices of this site, or your dealings with this website,
please contact us at
[email protected].
Copyright-Disclaimer
All text and information provided on or through this site is protected by
federal copyright law and as such commercial use by insurance agents or brokers
is prohibited. No part of any information from findinsuranceinfo.com may be
duplicated, published, broadcast, photocopied, faxed, mailed, uploaded,
distributed, transmitted or redistributed in any manner for any purpose without
prior written authorization by findinsuranceinfo.com.
Findinsuranceinfo is always interested in high quality sites to link to
findinsuranceinfo.com, provided that permission is obtained from
findinsuranceinfo.com prior to the posting of any link. If you are interested in
linking your site to findinsuranceinfo.com please contact us. Please make sure
to clearly state your request and include your URL. All links to
findinsuranceinfo.com from a permissible site must be to the
findinsuranceinfo.com home page -- links to internal pages within
findinsuranceinfo.com are not permitted. No link to findinsuranceinfo.com may be
"framed" by the permissible site where the link originated.
Findinsuranceinfo.com does not sell, solicit, procure, or quote insurance of
any kind. The purpose of its existence is to make referrals to independent
agents who have contracted with the owner.
This site is for informational purposes only and is provided without charge
to assist consumers who may be seeking information regarding health insurance
whether or not an independent agent who has contracted with the owner will
receive a commission.
Findinsuranceinfo.com does not assume any responsibility for any information
received or extracted from any links. The text included on this site is provided
by and reflects the views of the owner of findinsuranceinfo.com and is null and
void where free insurance advice or freedom of speech is limited or regulated by
law. The owner can be contacted by e-mail: [email protected].
Privacy Policy
This website is owned and operated by Findinsuranceinfo.com. The trust of our
customers is our most valuable asset. We safeguard that trust by keeping
nonpublic personal information about customers in a secure environment and using
that information in accordance with this Privacy Policy.
This Privacy Policy includes examples of the types of nonpublic personal
information we collect and the kinds of companies with whom we share such
information. These examples are illustrative and should not be considered a
complete inventory of our information collection, use, and sharing practices.
Please note that this Privacy Policy will not apply to your relationships
with other financial service providers, such as banks, finance companies,
mortgage companies, independent insurance agents, and insurance companies that
are not controlled by us. Their privacy policies will govern how they collect,
use, and disclose personal information that you allow them to access. However,
independent agents contracted with findinsuranceinfo.com have agreed never to
sell, transfer, assign, or give away your personal information to any other
person or organization and to use this information only for the purpose of
providing the financial services you have requested.
Information We May Collect
We may collect nonpublic personal information about you from the following
sources:
- Information we receive from you (or that is provided to us on your
behalf) on applications and other forms, such as your name, address,
telephone number, employer, and income;
- Information about your transactions with companies affiliated with
findinsuranceinfo.com, such as your name, address, telephone number, age,
insurance coverage, transaction history, claims history, and premiums;
- Information collected by nonaffiliated financial services providers that
respond to your requested transaction, including information about the
products or services you purchase;
- Information you provide to us on applications or from health care
providers, such as doctors and hospitals, to determine your past or present
health condition. Health information will be collected as we deem
appropriate to determine eligibility for coverage, to process claims, to
prevent fraud, and as authorized by you, or as otherwise permitted or
required by law.
Site Usage – Cookies
Our websites also gather anonymous information and demographic information,
which does not personally identify you. We use this information to analyze our
site usage patterns, and we may share this information with third parties for
marketing reasons. Typically, this information is collected through "traffic
data" and may entail the use of "Cookies," "Internet Protocol" addresses, or
other tags or numeric codes used to identify a computer. Again, any disclosure
of this demographic information will not reveal any personally identifiable
information about specific users.
A ‘cookie’ is a message given by a web server to an Internet web browser. The
browser stores the message in a small text file on the same drive that the
browser is installed on. The message is then resent to the server each time the
browser requests a page from that server. We do not use cookies to track user’s
aggregate data from sites other than our own. The only cookie-based data we
track is activity on our own site concerning site usage and demographics. A user
must have cookies enabled in order to use certain restricted features of the
site, such as saving personal data so that a user does not have to re-enter it
each time they visit our site or request a quote.
Information We May Disclose and To Whom We May Disclose Information
THE NONPUBLIC PERSONAL INFORMATION WE MAY COLLECT AS DESCRIBED ABOVE MAY BE
DISCLOSED TO THIRD PARTIES IN ORDER TO DELIVER PRODUCTS AND SERVICES TO YOU,
PROVIDE CUSTOMER SERVICE, OR ADMINISTER YOUR ACCOUNT
Disclosure Permitted by Law
We may disclose all of the nonpublic personal information described above, as
permitted by law. For example, we may use affiliated and nonaffiliated third
parties to perform services for us, such as providing customer assistance,
handling claims, protecting against fraud, and maintaining software for us. We
also may disclose information in response to requests from law enforcement
agencies or State insurance authorities.
Disclosures for Joint Marketing and Servicing
In addition, we may disclose all of the nonpublic personal information we
collect as described above, with the exception of health information, to
companies that perform marketing services on our behalf (for example, financial
service providers, such as banks, and credit card issuers; nonfinancial
companies, such as direct marketers and mail houses; and others, such as
membership organizations) or to other financial institutions, such as banks and
credit card issuers, with whom we have joint marketing agreements. We also may
share such information among the affiliated companies of findinsuranceinfo.com
to perform marketing services on our behalf or to offer you other products and
services that we think may be of interest to you.
Our Security Procedures
We restrict access to nonpublic personal information about you to those
employees whom we determine have a legitimate business purpose to access such
information in connection with the provision of products or services to you. We
employ security techniques designed to protect our customer data. We maintain
physical, electronic, and procedural safeguards that comply with federal
regulations to guard your nonpublic personal information. We provide training
and communications programs designed to educate employees about the meaning and
requirements of our strict standards for data security and confidentiality.
Opt-Out
By submitting your personal information, you are making a consumer inquiry
for insurance and/or financial services offered by insurance agents and/or
sellers of financial services that have contracted with findinsuranceinfo.com.
You also understand that by doing so, you consent and expect to be contacted at
any time by any and all such licensed insurance agents and/or sellers of
financial services via telephone, email or direct mail even if you are
registered on the federal do-not-call list and/or any applicable state
do-not-call list. You may withdraw your consent by notifying
findinsuranceinfo.com at the e-mail address below and we will discontinue all
such disclosures subsequent to our receipt of your email notification.
By submitting your personal information, you also consent and expect to be
contacted by any and all nonaffiliated third parties at any time via telephone,
email or direct mail even if you are registered on the federal do-not-call list
and/or any applicable state do-not-call list. If you prefer that we not disclose
nonpublic personal information about you to nonaffiliated third parties other
than as necessary to effect or administer your requested transaction or as
permitted by law, you may opt-out of those disclosures, that is, you may direct
us not to make those disclosures. If you wish to opt-out of disclosures to
nonaffiliated third parties, you must contact us at the e-mail address listed
below and we will discontinue all such disclosures subsequent to our receipt of
your email notification.
Changes to this Privacy Policy
Findinsuranceinfo.com may change its privacy practices in the future. If we
change the way we treat any nonpublic personally identifiable information we
will post a revised privacy policy at this location.
Contacting Us
If you have any questions about this privacy statement, the practices of this
site, or your dealings with this Web site, please contact:
[email protected]
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Legal / Privacy Policy / Terms of Use 
