Privacy Policy

Introduction

This Privacy Policy outlines how we collect, use, and protect your personal data when you use our website. By using our website, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect and Its Use

Comments:
When visitors leave comments on our site, we collect the data provided in the comments form, along with the visitor’s IP address and browser user agent string to help with spam detection. An anonymized string (hash) created from your email address may be sent to the Gravatar service to check if you are using it. The Gravatar service's privacy policy is available at https://automattic.com/privacy/. After your comment is approved, your profile picture becomes publicly visible in the context of your comment.

Media:
If you upload images to the website, you should avoid uploading images that include embedded location data (EXIF GPS). Visitors to the website can download and extract any location data from images on the website.

Cookies:

• When you leave a comment on our site, you may opt-in to save your name, email address, and website in cookies for convenience. These cookies will last for one year.
• If you have an account and log in to our site, we will set a temporary cookie to determine if your browser accepts cookies; this cookie contains no personal data and is discarded when you close your browser.
• Upon login, we set up cookies to save your login information and screen display choices. Login cookies last for two days, and screen options cookies last for one year. If "Remember Me" is selected, your login persists for two weeks. Logging out removes login cookies.
• If you edit or publish an article, an additional cookie will be stored in your browser. This cookie contains no personal data and indicates the post ID of the article just edited; it expires after one day.

Embedded Content from Other Websites:
Articles on this site may contain embedded content (e.g., videos, images, articles). Embedded content from other websites behaves in the same way as if the visitor has visited the other website. These websites may collect data about you, use cookies, embed third-party tracking, and monitor your interaction with that embedded content if you have an account and are logged in to that website.

2. Data Sharing and Retention

Data Sharing:
Visitor comments may be checked through an automated spam detection service.

Data Retention:

• Comments and their metadata are retained indefinitely to recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
• For users who register on our website, we store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time, except they cannot change their username. Website administrators can also view and edit this information.

3. Your Rights Over Your Data

If you have an account on this site or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you, except for data we are required to keep for administrative, legal, or security purposes.

4. Data Transfers

Visitor comments may be checked through an automated spam detection service.

5. Changes to This Privacy Policy

We may update this Privacy Policy from time to time at our sole discretion. Visitors are encouraged to check this page frequently for any changes to the Privacy Policy. If you have an account on our website, you may receive an alert informing you of these changes. Continued use of the website after any changes to the Privacy Policy will constitute your acceptance of such changes.

Contact Us

For any questions or concerns regarding this Privacy Policy, please contact us.

 

Terms of Service

Please read these terms and conditions of use carefully before using this website.

These Terms of Service (the "Terms") govern your access to and use of our website (the "Site") and the services provided through the Site (the "Services"). By accessing or using the Site or the Services, you agree to comply with and be bound by these Terms. You must be at least 18 years old to use the Site or Services. If you do not agree to these Terms, please refrain from using the Site and the Services.

These Terms are effective as of the date stated above. We reserve the right to amend these Terms at any time. We encourage you to review this page periodically for updates, as continued use of the Site or Services after any changes constitutes acceptance of the revised Terms.

1. Services Provided

The information provided through the Services is primarily for general informational and educational purposes. Some information provided at the point of sale is intended for commercial purposes.

The Services may include the integration of third-party insurance products, brokers, and carriers through various channels such as advertisements, insurance quotes, online purchases, emails, phone calls, text messages, or other marketing mediums. By using the Services, you acknowledge that third parties may contact you on our behalf.

We also provide services related to the quoting, brokering, and transacting of first-party and third-party insurance products. We operate as a licensed insurance agency. Any quotes or quote ranges provided on the Site or over the phone are non-binding. The final premium for any insurance policy is determined by the underwriting insurance company after application. Insurance product availability may vary by state and your individual circumstances, and additional minimum coverage limits may be required. The third-party insurance products offered through the Site are only available in jurisdictions where we are properly licensed.

Certain Services may require you to agree to additional terms and conditions or enter into separate agreements with us or third parties. Any third-party insurance products purchased through the Site are subject to the terms of the applicable insurance carrier. In the event of any conflict between these Terms and the terms of an insurance policy, the terms of the insurance policy shall prevail.

2. User Conduct

You agree not to use the Site for any of the following purposes or activities:

• Engaging in or supporting illegal activity;
• Transmitting or storing viruses, worms, or any other harmful code;
• Threatening, harassing, abusing, impersonating, or intimidating others;
• Interfering with others' use of the Site;
• Sending spam or collecting information for the purpose of sending spam or unsolicited email advertisements;
• Decompiling, disassembling, reverse engineering, or otherwise attempting to discover the source code of the Site;
• Disguising the origin of any content transmitted through the Site or manipulating your presence on the Site; and
• Launching any automated system that accesses the Site in a manner that sends more requests to the Site's servers in a given period than a human can reasonably produce using a conventional web browser.

3. Intellectual Property

The Site contains content, including text, graphics, images, photos, and other material provided by us or on our behalf (the "Content"). The Content is owned by us and/or our licensors and is protected by copyright laws and treaties. The Content includes trademarks, service marks, and logos that are registered and unregistered trademarks or service marks of ours or our licensors.

You are not permitted to use any trademarks, service marks, or logos without our prior written consent. You may not copy, use, modify, sell, transfer, or distribute any Content for any public or commercial purpose without our express written permission. You must not remove any copyright or other proprietary notices from the original Content.

4. Unsolicited Information

If you submit any unsolicited information or materials, such as comments, ideas, questions, or other similar communications ("Unsolicited Information"), you agree that we are entitled to use such information or materials for any purpose, commercial or otherwise, without compensation. This includes reproduction, disclosure, transmission, publication, broadcast, and further posting. We are also free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the Site for any purpose.

5. Collection and Use of Information

By using the Services, you may transmit information, including personally identifiable information. Our collection and use of this information are governed by our Privacy Policy, which is incorporated by reference into these Terms. It is important that you read and understand our Privacy Policy.

6. Disclaimer and Limitation of Liability

THE SITE, SERVICES, AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. WE ARE NOT LIABLE FOR ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY RESULTING FROM YOUR USE OF THE SITE OR SERVICES.

INSURANCE PRODUCTS QUOTED OR SOLD THROUGH THE SITE ARE THIRD-PARTY PRODUCTS. WE MAKE NO REPRESENTATIONS OR WARRANTIES REGARDING THESE PRODUCTS AND ACCEPT NO LIABILITY FOR THEM. ALL SUCH PRODUCTS ARE SUBJECT TO THE TERMS AND CONDITIONS OF THE INSURANCE CARRIERS PROVIDING THEM.

IN NO EVENT SHALL WE BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS OR REVENUES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CERTAIN DAMAGES; IN SUCH JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

7. External Sites

The Site may contain links to third-party websites ("External Sites"). We do not control, endorse, or take responsibility for the content of any External Sites. Your use of External Sites is entirely at your own risk. We welcome feedback about external links, including broken links.

8. Indemnification

You agree to indemnify, defend, and hold us and our officers, directors, employees, and agents harmless from any claims, liabilities, damages, losses, and expenses, including reasonable attorney's fees, arising from your use of the Site, Services, or Content or your violation of these Terms.

9. Termination

We may terminate these Terms and your access to the Site or Services at any time, for any reason, without notice or liability. We also reserve the right to modify or discontinue all or any part of the Site or Services without notice.

10. Miscellaneous

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect. These Terms, and any disputes arising under them, are governed by the laws of the State of Washington, without regard to its conflict of law principles. Any legal actions or proceedings related to these Terms must be brought in the state or federal courts located in King County, Washington.

These Terms constitute the entire agreement between you and us regarding the use of the Site and Services and supersede any prior agreements. Any waiver of any provision of these Terms must be in writing to be effective.