Effective March 26, 2020
In general, you can browse the Site without telling us who you are or revealing any personal information about yourself. Once you give us your personally identifiable information, you are not anonymous to us and we reserve the right to share your personally identifiable information as outlined in these terms and conditions. If you choose to use our services, we may require you to provide contact and identity information and other personal information as indicated on the application form on this Site. Where possible, we indicate which fields are required and which fields are optional. You always have the option to not provide information by choosing not to use a particular service or feature. We use data collection devices such as “cookies” on certain pages of the Site to help analyze our web page flow, measure promotional effectiveness, and promote trust and safety. “Cookies” are small files placed on your hard drive that assist us in providing our services. You are always free to decline our cookies if your browser permits.
We always strive to maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to protect your nonpublic personal information. Our online application form is HIPAA-compliant (following the same regulations as medical facilities) and any personal information you submit will be encrypted using 256-bit using Secure Socket Layer (SSL) technology (SSL protects information as it crosses the Internet); this creates a protected connection that ensures confidentiality, and offers the same online security as all major banks. Your browser will activate SSL automatically. This will show on our application’s domain origin as “https”, verifying SSL.
By submitting an application you consent to our review of the information contained in it within our organization, along with the sharing of that information with insurance companies, and their underwriters, to seek to obtain offers of insurance on your behalf. Additionally, though we make every effort to preserve user privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our Web site.
Privacy Notice Changes
We reserve the right to change this privacy notice at any time. You agree to obtain notice of any changes to this privacy notice electronically by visiting this Site. Therefore, we encourage you to review this Site from time to time to review changes to our privacy notice.
Rate Quote Disclaimer
The purpose of this site is for general information only, and should not be interpreted as financial or professional advice. Therefore, we will not be held liable for any damage or loss arising from accessing this site or the use of information to be found on its pages. Care is taken to make sure the content and information on this site is factual and up to date. We, however, can accept no liability for any errors or omissions or the accuracy or completeness of this site, or any of its content.
In the event that there is a discrepancy between the information contained in the insurance rate quotes and any insurance company-authorized illustration and/or policy, the policy shall govern.
All materials and information in this site are provided “as is” and without warranties of any kind. By accessing this website, you agree that we will not be held liable for any loss or damage arising from the use of the information found here.
No coverage of any kind is bound by submitting information or receiving a quote.