Legal Notice

WEBSITE PRIVACY POLICY

WEBSITE PRIVACY POLICY

Effective Date: November 7, 2025


1. Introduction

Insurance Group of Nevada Corp (“we,” “us,” “our”) is committed to respecting your privacy and protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website (the “Site”). By using or accessing the Site, you accept and agree to the practices described in this policy.


2. Information We Collect

a) Personal Information You Provide.
We may collect certain personally identifiable information (“Personal Information”) that you voluntarily provide when you use the Site, such as your name, email address, telephone number, mailing address, work address, and other contact details.


b) Demographic and Profile Data.
We may collect anonymous demographic and profile information, such as ZIP code, age range, gender, preferences and interests, which is not unique to you individually.


c) Technical and Usage Information.
When you visit the Site, we may automatically collect technical information from your device, including your IP address, browser type and version, operating system, domain names, referring URLs, access times, and pages viewed (collectively, “Usage Data”). This information helps us operate and improve the Site and produce aggregate statistics.


d) Children’s Information.
Our Site is not directed to children under 13. We do not knowingly collect Personal Information from children under age 13 without verified parental consent. If we learn that a child under 13 has provided us Personal Information without parental consent, we will take steps to delete it. (See also Section 7.)


3. Use of Your InformationWe may use the information we collect for one or more of the following purposes:

  • To provide, maintain and improve our Site and services.
  • To respond to your inquiries and fulfill your requests.
  • To send you information about our products, services or offers — unless you have opted out.
  • To conduct surveys, research and analysis regarding our services, markets and users.
  • To generate aggregated and anonymized statistical data for internal use and for our trusted service providers.
  • To detect, prevent and address fraud, security or technical issues.


We do not sell, rent or lease Personal Information to third parties for their independent marketing purposes. We may share information with trusted third-party service providers who perform services on our behalf (such as website hosting, data analysis, customer support or email delivery). These providers are contractually obligated to protect your information and use it only for the purposes we permit.
We may also disclose your Personal Information if required to do so by law, regulation or legal process; to protect and defend our rights or property; or to protect the safety of our users or the public.


4. Cookies and Similar Technologies

We use cookies, web beacons, tracking pixels and similar technologies (“Cookies”) to recognise your browser or device, personalise your experience, and analyse how the Site is used. A cookie is a small text file placed on your hard drive by a web server. Cookies themselves cannot run programs or deliver viruses.


You can choose to accept or decline cookies by adjusting your browser settings (most browsers automatically accept cookies). If you decline cookies, some interactive features of the Site may not work or may work less effectively.


5. Security of Your Information

We implement commercially reasonable administrative, technical and physical safeguards to protect your Personal Information from unauthorized access, use, modification or disclosure, consistent with applicable law. When we transmit sensitive information (for example credit-card numbers) we use encryption (such as TLS/SSL) or other appropriate security measures.


6. Data Retention and Access

We retain your Personal Information only as long as necessary to fulfil the purposes for which it was collected or as required by law. You may request access to, correction of, or deletion of your Personal Information, subject to applicable legal exceptions.


7. Children’s Privacy

As noted above, we do not knowingly collect Personal Information from children under 13. If we become aware that we have collected such information without parental consent, we will delete it promptly. In the event that the Site offers services directed to minors, additional parental consent mechanisms may apply under the Children’s Online Privacy Protection Act (COPPA). lawshun.com+2LegalClarity+2


8. Links to Other Websites

Our Site may contain links to other websites that are not operated by us (“Third-Party Sites”). We are not responsible for the privacy or content of those websites. We encourage you to read the privacy policies of any Third-Party Sites you visit from our Site.


9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The date at the top of this policy will be revised to reflect the “Effective Date.” We encourage you to review this page periodically. If changes are material, we may notify you by posting a prominent notice on the Site or sending you an email (if we have your address).


10. Your California Privacy Rights

If you are a California resident, you may have additional rights under the California Privacy Rights Act (CPRA) and California Consumer Privacy Act (CCPA). These may include the right to request disclosure of the categories of personal data we hold about you, the right to request deletion, and the right to opt-out of the “sale” or sharing of your personal information for cross-context behavioural advertising. Wikipedia+2LegalClarity+2


11. Contact Information

If you have questions or comments about this Privacy Policy, or believe we have not adhered to it, please contact us at:
Insurance Group of Nevada Corp


1415 Arville Street, Suite 101
Las Vegas, NV 89102
Phone: 702-996-6434
Email: [insert email address]

WEBSITE TERMS OF USE

Effective Date: November 7, 2025
1. Agreement

These Website Terms of Use (“Terms”) govern your use of the Site operated by Insurance Group of Nevada Corp. By accessing or using the Site, you agree to these Terms in full without modification. If you do not agree, you must cease using the Site immediately.


2. Modifications

We reserve the right to change, modify, discontinue or restrict access to all or any part of the Site, or to revise these Terms, at any time. Your continued use of the Site following any such changes constitutes your acceptance of the revised Terms.


3. Links to Third-Party Sites

The Site may include links to third-party websites. We do not control, endorse or review such websites, and we are not responsible for their content or practices. These links are provided solely for convenience.


4. Permitted Use and Prohibited Conduct

You agree that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You specifically agree not to:


  • Use the Site in a way that could damage, disable, overload or impair the Site or interfere with any other user’s use of the Site.
  • Attempt to access any materials or information through any means not intentionally made available by us.
  • Use any communication or interactive services (forums, chat-rooms, bulletin boards) on the Site to:
    – defame, harass, stalk or threaten others;
    – post or upload content that is obscene, indecent, infringing, unlawful or otherwise objectionable;
    – upload files that contain viruses, corrupted data or other harmful code;
    – advertise or offer to sell any goods or services unless such activity is explicitly permitted;
    – conduct surveys, contests, auctions, pyramid or chain-letter schemes;
    – harvest or collect information about other users without their consent;
    – violate any applicable local, state, national or international law.


We have no obligation to monitor user content on the Site, but we reserve the right (in our sole discretion) to remove any materials or terminate your access without notice for violation of these Terms.


5. Your Submissions

If you provide or post any materials to the Site (including feedback, suggestions, text, images, or other content) (“Submissions”), you retain any ownership rights you may have in the Submissions. By submitting your material you grant us a non-exclusive, worldwide, royalty-free, sublicensable, transferable license to use, reproduce, distribute, publicly display, publicly perform, adapt, modify and otherwise utilise the Submission for any purpose in connection with the operation of our business and the Site. You represent and warrant that you own or control all rights in and to your Submission and that use of the Submission by us will not infringe any third-party rights.


6. Disclaimer of Warranties

The information, software, products, services and related graphics on the Site are provided “as is” and “as available” without any warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, we disclaim all warranties — including implied warranties of merchantability, fitness for a particular purpose, title and non-infringement.


7. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall we, our affiliates or our suppliers be liable for any direct, indirect, incidental, special, consequential or punitive damages arising out of your access to or use of the Site, even if advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of liability for incidental or consequential damages, so some of the above limitations may not apply to you.


8. Termination / Access Restriction

We may terminate or suspend your access to all or part of the Site at any time, for any reason, without notice. Upon termination, all provisions of these Terms that by their nature should survive will remain in effect (including disclaimers, indemnities, limitations of liability, and ownership provisions).


9. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Nevada without regard to its conflicts-of-law principles. You hereby submit to the exclusive jurisdiction and venue of the state and federal courts located in Clark County, Nevada, for any dispute arising out of or relating to these Terms or access to the Site.


10. Entire Agreement

These Terms (together with our Privacy Policy) constitute the entire agreement between you and us relating to your use of the Site and supersede all prior or contemporaneous communications, proposals or understandings, whether electronic, oral or written, between you and us regarding such use. A printed version of these Terms and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms to the same extent and subject to the same conditions as other business documents originally generated and maintained in printed form.


11. Changes to These Terms

We may revise these Terms from time to time. The updated version will be posted on the Site with a revised “Effective Date”. Your continued use of the Site after any such changes constitutes your agreement to such changes.


12. Copyright and Trademark Notices

All content on the Site, including text, graphics, logos, icons, images, audio clips and software, is protected by copyright, trademark and other intellectual property laws and belongs to us or our licensors. All rights are reserved.


The names of actual companies and products mentioned herein may be the trademarks of their respective owners.


13. Notices of Copyright Infringement

If you believe that any content on the Site infringes your copyright, please send a written notice to our designated agent in accordance with the provisions of Title 17, United States Code, Section 512(c)(2).


14. Additional Disclosures

a) SMS/MMS Messaging Consent. If you opt-in to receive text alerts from us, you consent to receive auto-dialed or prerecorded telemarketing or informational text messages. Message and data rates may apply. Message frequency may vary. Reply STOP to unsubscribe, HELP for help. Terms and conditions apply.


b) Credit Card Processing. If you pay with a credit card for insurance premiums on behalf of an insurance carrier via our service, a processing fee of 4% will apply to ensure full remittance to the carrier.


c) Broker Compensation. For insurance products placed via surplus lines carriers or non-admitted markets, broker compensation fees may apply and will not exceed US $200 per policy term.


d) Late Payment. Late fees may apply on insurance policies as determined by the insurance carrier. Non-payment when due may result in policy cancellation and possible reinstatement fees. Late fees cannot be reversed or waived.


e) Financial Privacy. We comply with the Gramm‑Leach‑Bliley Act (GLBA) for applicable consumer financial services, including providing initial and annual privacy notices and opportunity to opt-out of certain information sharing.


f) Insurance Consumer Reporting. You acknowledge that insurance carriers may obtain reports on driving history or claims for underwriting via third-party sources (e.g., LexisNexis). You may request a copy of your report by contacting the provider.


g) HIPAA Compliance. As required by law, we comply with the Health Insurance Portability and Accountability Act of 1996 and any applicable state regulations regarding protected health information. We will not release your health-related information without your written authorization unless required by law.


h) Non-Discrimination. We comply with applicable federal and state civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability or sex in providing insurance services.


15. Contact and Grievance Procedures

If you believe you have been discriminated against or have a grievance, you may submit a written grievance to:


Insurance Group of Nevada Corp
1415 Arville Street, Suite 101
Las Vegas, NV 89102
Phone: 702-996-6434


You may also file a civil rights complaint with the U.S. Department of Health & Human Services, Office for Civil Rights:


200 Independence Avenue SW
Room 509F
Washington, DC 20201
1-800-368-1019 (voice) / 1-800-537-7697 (TDD)

​WEBSITE TERMS OF USE

​​AGREEMENT BETWEEN USER AND Insurance Group of Nevada Corp

The Insurance Group of Nevada Corp Web Site is comprised of various Web pages operated by Insurance Group of Nevada Corp
.The Insurance Group of Nevada Corp Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Insurance Group of Nevada Corp Web Site constitutes your agreement to all such terms, conditions, and notices.


MODIFICATION OF THESE TERMS OF USE
Insurance Group of Nevada Corp reserves the right to change the terms, conditions, and notices under which the Insurance Group of Nevada Corp Web Site is offered, including but not limited to the charges associated with the use of the Insurance Group of Nevada Corp Web Site.


LINKS TO THIRD PARTY SITES
The Insurance Group of Nevada Corp Web Site may contain links to other Web Sites ("Linked Sites"). The Linked Sites are not under the control of Insurance Group of Nevada Corp and Insurance Group of Nevada Corp is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Insurance Group of Nevada Corp is not responsible for webcasting or any other form of transmission received from any Linked Site. Insurance Group of Nevada Corp is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Insurance Group of Nevada Corp of the site or any association with its operators.


NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of the Insurance Group of Nevada Corp Web Site, you warrant to Insurance Group of Nevada Corp that you will not use the Insurance Group of Nevada Corp Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Insurance Group of Nevada Corp Web Site in any manner which could damage, disable, overburden, or impair the Insurance Group of Nevada Corp Web Site or interfere with any other party's use and enjoyment of the Insurance Group of Nevada Corp Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Insurance Group of Nevada Corp Web Sites.


USE OF COMMUNICATION SERVICES
The Insurance Group of Nevada Corp Web Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not


  • Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
  • Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.
  • Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
  • Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
  • Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
  • Conduct or forward surveys, contests, pyramid schemes or chain letters.
  • Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
  • Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
  • Restrict or inhibit any other user from using and enjoying the Communication Services.
  • Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
  • Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
  • Violate any applicable laws or regulations.


Insurance Group of Nevada Corp has no obligation to monitor the Communication Services. However, Insurance Group of Nevada Corp reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Insurance Group of Nevada Corp reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.
:Insurance Group of Nevada Corp reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Insurance Group of Nevada Corp 's sole discretion.


Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Insurance Group of Nevada Corp does not control or endorse the content, messages or information found in any Communication Service and, therefore, Insurance Group of Nevada Corp specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Insurance Group of Nevada Corp spokespersons, and their views do not necessarily reflect those of Insurance Group of Nevada Corp.


Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.


MATERIALS PROVIDED TO Insurance Group of Nevada Corp OR POSTED AT ANY Insurance Group of Nevada Corp WEB SITE

Insurance Group of Nevada Corp does not claim ownership of the materials you provide to Insurance Group of Nevada Corp (including feedback and suggestions) or post, upload, input or submit to any Insurance Group of Nevada Corp Web Site or its associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting Insurance Group of Nevada Corp, its affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.


No compensation will be paid with respect to the use of your Submission, as provided herein. Insurance Group of Nevada Corp is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in Insurance Group of Nevada Corp 's sole discretion.


By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.


LIABILITY DISCLAIMER
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE Insurance Group of Nevada Corp WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. Insurance Group of Nevada Corp AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE Insurance Group of Nevada Corp WEB SITE AT ANY TIME. ADVICE RECEIVED VIA THE Insurance Group of Nevada Corp WEB SITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION
.Insurance Group of Nevada Corp AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE Insurance Group of Nevada Corp WEB SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. Insurance Group of Nevada Corp AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.


TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL Insurance Group of Nevada Corp AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE Insurance Group of Nevada Corp WEB SITE, WITH THE DELAY OR INABILITY TO USE THE Insurance Group of Nevada Corp WEB SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE Insurance Group of Nevada Corp WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE Insurance Group of Nevada Corp WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF Insurance Group of Nevada Corp OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE Insurance Group of Nevada Corp WEB SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE Insurance Group of Nevada Corp WEB SITE.


SERVICE CONTACT: Insurance Group of Nevada Corp


TERMINATION/ACCESS RESTRICTION
Insurance Group of Nevada Corp reserves the right, in its sole discretion, to terminate your access to the Insurance Group of Nevada Corp Web Site and the related services or any portion thereof at any time, without notice. GENERAL To the maximum extent permitted by law, this agreement is governed by the laws of the State of Washington, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in San Mateo County, California, U.S.A. in all disputes arising out of or relating to the use of the Insurance Group of Nevada Corp Web Site. Use of the Insurance Group of Nevada Corp Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Insurance Group of Nevada Corp as a result of this agreement or use of the Insurance Group of Nevada Corp Web Site. Insurance Group of Nevada Corp 's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Insurance Group of Nevada Corp 's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Insurance Group of Nevada Corp Web Site or information provided to or gathered by Insurance Group of Nevada Corp with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Insurance Group of Nevada Corp with respect to the Insurance Group of Nevada Corp Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Insurance Group of Nevada Corp with respect to the Insurance Group of Nevada Corp Web Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent an d subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.


COPYRIGHT AND TRADEMARK NOTICES:
All contents of the Insurance Group of Nevada Corp Web Site are: COPYRIGHT 2015 by Insurance Group of Nevada Corp and/or its suppliers. All rights reserved.


TRADEMARKS
The names of actual companies and products mentioned herein may be the trademarks of their respective owners.


The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.


Any rights not expressly granted herein are reserved.


NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT
Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement under United States copyright law should be sent to Service Provider's Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE. See Notice and Procedure for Making Claims of Copyright Infringement.

This website is operated by Insurance Group of Nevada and is not the Health Insurance Marketplace website. Insurance Group of Nevada is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. 



Consent to receive SMS/MMS Messaging alerts and notifications

​You will receive auto-dialed text alerts from Insurance Group of Nevada. No consent req'd for purchase. Msg & data rates may apply. Msg frequency varies. Reply STOP to stop, HELP for help. Terms: http://55498.io/t. Privacy policy: http://55498.io/h. 


Credit card Processing

​Some of our insurance products require payment made to the insurance carrier directly from Insurance Group of Nevada and not the insured. If you request payment to be made by credit card to pay for your insurance premiums then Insurance Group of Nevada will send you an electronic invoice that will include a 4% processing fee. The processing fee is necessary to ensure the full payment amount is made to the insurance carrier.



Broker Compensation

​Insurance coverage provided through the use of non-admitted insurance, surplus lines carriers are subject to fully earned broker compensation fee. The fee amount is payable to Insurance Group of Nevada. The fee amount does not exceed $200 per policy term. 



Late Payment

​Insurance policies that are sold through Insurance Group of Nevada may be subjected to a late fee as determined by the insurance carrier. The late fee payment is required to be paid to the insurance carrier. If payment is not made when due, the insurance policy is subject to cancellation. If the policy is cancelled there may be an additional reinstatement fee charged by the insurance carrier. Late payment fees can not be reversed or waived. 



Gramm Leach Bliley Act

​Gramm Leach Bliley Act is also known as the Financial Services Modernization Act of 1999. Subtitle A: Disclosure of Nonpublic Personal Information, codified at 15 U.S.C. §§ 6801–6809) The Financial Privacy Rule requires financial institutions to provide each consumer with a privacy notice at the time the consumer relationship is established and annually thereafter. The privacy notice must explain the information collected about the consumer, where that information is shared, how that in- formation is used, and how that information is protected. The notice must also identify the consumer’s right to opt out of the information being shared with unaffiliated parties pursuant to the provisions of the Fair Credit Reporting Act. Should the privacy policy change at any point in time, the consumer must be notified again for acceptance. Each time the privacy notice is reestablished, the consumer has the right to opt out again. The unaffiliated parties receiving the nonpublic information are held to the acceptance terms of the consumer under the original relationship agreement. In summary, the financial privacy rule provides for a privacy policy agreement between the company and the consumer pertaining to the protection of the consumer’s personal nonpublic information. On November 17, 2009, eight federal regulatory agencies released the final version of a model privacy notice form to make it easier for consumers to understand how financial institutions collect and share information about consumers.



Insurance Consumer Reporting 

​Many insurance carriers utilize Lexis Nexis to share and transmit driving history, and insurance claims. These items are used in underwriting the cost for insurance products. To request a copy of your report call Lexis Nexis at 1-800-456-6432. Insurance Group of Nevada utilizes a secure and proprietary insurance verification system. The report is obtained during the quoting process and does not have an impact on consumer credit reports. The information obtained is used to verify and confirm consumers identity, and property information. 



Fair Credit Reporting Act (FCRA) 

Fair Credit Reporting Act Notice:

In making an application for insurance it is understood that an investigative consumer report may be prepared whereby pertinent information concerning your character, reputation, personal characteristics and mode of living may be obtained. Information as to the nature and scope of this report may be obtained upon written request.


Any request for personal or business insurance quote, Insurance Group of Nevada utilizes both public and private data sources to confirm the validity of any information that is given to Insurance Group of Nevada. 



​HIPAA Disclosure 

Insurance Group of Nevada is a licensed insurance entity with the State of Nevada Department of Insurance (DOI). 

HIPAA means the Health Insurance Portability and Accountability Act of 1996, codified in 42 USC §§ 1320 - 1320d-8 and 45 CFR Parts 160 and 164. As required by State and Federal law any information submitted, held, managed by Insurance Group of Nevada will only be released with your expressed and written notification, unless Insurance Group of Nevada is ordered to comply by court order. Health information is obtained by Insurance Group of Nevada at the request and demand of an insurance carrier that we are authorized to represent. Our policy is to never share confidential information about our clients with any person or entity unless required by our insurance carriers for underwriting and claims purposes or court order. 



Fraud Statement 

​​Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.


Final Insurance Premium Rate

Personal Insurance rates are subject to final underwriting review and approval. Negative credit standing and in adequate prior insurance is subjected to a higher rate. The price quoted may change until the company obtains final approval from the insurance carrier's underwriter. Quoted rates are only an estimate. Additional factors like credit, prior insurance history, location, marital status is all factors in the insurance premium. 


Business insurance underwriting subject to additional requirements. 



HIPAA Compliance

Insurance Group of Nevada meets or exceeds the applicable privacy and security requirements of: (1) the Agreements; (2) the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”) and its implementing regulations at 45 C.F.R. Parts 160-164, (3) applicable state law governing data protection; and (4) the Payment Card Industry Data Security Standards (where applicable.)



Important Information about Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

​

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.



Statement of Non-Discrimination

Insurance Group of Nevada complies with applicable state and federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. Insurance Group of Nevada does not treat or exclude customers because of race, color, national origin, age, disability, or sex. 


Insurance Group of Nevada 

  • Provide life, health, medicare, auto, home, renters, and business insurance through our authorized underwriting insurers.
  • We are authorized to conduct complete health plan enrollments for the Nevada Health Link and the Health Insurance Marketplace. 


Insurance Group of Nevada provides insurance services in other languages through 3rd party interpretations. The 3rd party interpreters are qualified and HIPAA trained.


If you require language interpretation services please call to schedule an appointment at 702-996-6434 


If you believe that Insurance Group of Nevada has failed to provide insurance services or discriminated on the basis of race, color, national origin, age, disability, or sex you can file a grievance with Insurance Group of Nevada. 


To file a grievance and appeal submit written documentation to: 

Insurance Group of Nevada Corp

1415 Arville Street 

Suite 101

Las Vegas, NV 89102


You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights electronically. The website address is https://ocrportal.hhs.gov/ocr/portal/lobby.jsf 


U.S. Department of Health and Human Services 

200 Independence Avenue SW 

Room 509F, HHH Building 

Washington, DC 2020

1-800-368-1019 

​1-800-537-7697 (TDD) ​

Thank you for visiting Insurance Group of Nevada.  We respect your privacy and want you to understand the ways in which we collect and use the information provided online.


This Internet Privacy Policy applies to www.InsuranceChoice.us and other websites or mobile applications that link to this Policy (the “Online Services”). It does not apply to any non-Insurance Group of Nevada  websites or mobile applications that you may access via the Online Services. Such services are governed by the privacy policies appearing on those sites and applications. Depending upon your relationship with us, you may receive other privacy notices from us providing additional detail about our privacy practices


How We Collect Personal and Non-Personal Information Through the Online Services


We collect two kinds of information through the Online Services: non-personal information and personal information.


The non-personal information we collect includes: the visitor’s browser type, device type, and operating system; area(s) of the Online Services visited; date and time of access; host or Internet service provider (ISP) information; and identity of the referring site (any site from which the visitor accessed the Online Services).


We also collect personal information that can identify a visitor or user, including but not limited to name, address or other contact information, policy information or information provided for roadside assistance services, but only when you voluntarily provide it. In addition, certain of the Online Services may collect precise information about the location of your mobile device but only with your express consent. Once you have consented to the collection of the precise location of your mobile device, you may adjust this consent by managing your location services preferences through the settings of your mobile device.


Children’s Privacy


Insurance Group of Nevada  does not seek or knowingly collect personal information from children under the age of 13, and we request that children do not provide information through the Online Services.


How We Use Your Information


We may use the information we collect through the Online Services for several purposes, including:


  • To provide you with products, services, or information you request;
  • To process orders;
  • To provide you with information about the Online Services or required notices;
  • To deliver marketing communications or promotional materials that may be of interest to you;
  • To improve the services we provide and the usefulness of the Online Services;
  • To customize your experience when using the Online Services;
  • To comply with applicable laws and regulations;
  • To perform research; and
  • To prevent and detect fraud, infringement, and other potential misuse.
  • We may also anonymize, combine, or aggregate any of the information we collect through the Online Services or elsewhere for any of these purposes or for analyzing usage statistics and trends.


If you provide us with personal information, we will not sell, license, transmit, or disclose this information outside of   Insurance Group of Nevada  unless: (1) you expressly authorize us to do so; (2) it is necessary to allow our contractors or agents to provide services for us; (3) it is necessary to provide our products or services to you; (4) it is disclosed to entities that perform marketing services on our behalf or to other entities with whom we have joint marketing agreements; (5) in connection with a merger, consolidation, acquisition, divestiture, or other corporate restructuring; or (6) it is otherwise required or permitted by law.


No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.


How We Use “Cookies” and Other Data Collection   Tools


Insurance Group of Nevada  may place electronic “cookies” in the browser files of your computer or mobile device when you access a  Insurance Group of Nevada  website. Cookies are pieces of information that a  Insurance Group of Nevada  website transfers to your computer or mobile device to enable our systems to recognize your browser and to tailor the information on our websites to your interests. For example, if you previously visited a  Insurance Group of Nevada  website and accessed your account information or inquired about particular services over the website, cookies enable us to present information tailored to your account and/or those particular interests the next time you visit the website. Moreover,  Insurance Group of Nevada  or our third party service providers or business partners may place cookies on your computer or mobile device that can be matched to other personal information we maintain about you to pre-populate certain online forms for your convenience. We also use cookies to analyze visitors’ use of our websites. This analysis helps us better understand which areas of our sites are most useful and popular so we can plan improvements and updates accordingly.


Many web browsers are automatically set to accept cookies. You may change your web browser settings to either reject cookies or to notify you when a cookie is about to be placed on your computer or mobile device. Please note, however, that rejecting cookies while visiting any of our websites may result in certain parts of the website not operating as efficiently as if the cookies were allowed. For example, if you reject cookies from our websites, you may not be able to access a preferred location, view a customized default home page or pre-populated form or easily access your recently visited links or pages.


We and our service providers or third-party ad servers may also use cookies or similar technologies to collect information about your browsing activities over time and across different websites following your use of the Online Services. While, as described above, you may have the opportunity to control the use of cookies through your web browser, we do not currently respond to web browser “Do Not Track” signals or other mechanisms that provide a method to opt out of the collection of information across the networks of websites and online services in which we participate. If we do so in the future, we will describe how we do so in this Online Privacy Policy. For more information about Do Not Track, please visit www.allaboutdnt.com.


Security of Internet Communications


The Internet is not a secure medium. We employ reasonable administrative, technical and physical safeguards to protect personal information. When you enter sensitive information (such as a credit number or social security number) on our websites, we encrypt that information using secure socket layer technology (SSL) or similar technology during its transmission to our web site. Unfortunately, no method of transmitting or storing data can be guaranteed to be 100 percent secure, and we do not assume any responsibility for any harm, loss or damage you may experience from transmission of information by or to  Insurance Group of Nevada  over the Internet. If you believe that the security of any account you might have with us has been compromised, please contact us using one of the methods described below.


We restrict access to personal information collected about you at our web sites to our employees, our affiliates' employees or others who need to know that information to provide services to you or in the course of conducting our normal business operations.


How to Contact Us and Access and Correct Your   Information


If you have a question or would like to access and correct personal information you have submitted to us through the Online Services, please log into your account for the particular Online Service or send a letter to the address below with your question or requesting to see your information. We will be happy to make corrections whenever possible but may not be able to provide information relating to investigations, claims, litigation and other matters.


Please address requests to:


Insurance Group of Nevada
Attention: Privacy Inquiries


Insurance Group of Nevada
Telephone: (702) 996-6434

Email: info@insurancechoice.us


Blogs and Other Interactive Features


We may offer blogs, online forums or other interactive features on the Online Services that enable consumers to share information about our services or other issues of interest. You should be aware that any communications you submit or post to any such interactive features on the Online Services may be viewable by other participants or users. Therefore, you acknowledge and agree that you have no expectation of privacy or confidentiality in the content you submit for such interactive features, whether or not it contains personal information about you.


Links to Other Sites


For your convenience we may provide links to other web sites and web pages that we do not control. We cannot be responsible for the privacy practices of any web sites or pages not under our control and we do not endorse any of those web sites or pages, the services or products described or offered on such web sites or pages, or any of the content contained on those web sites or pages. Before providing any personal information to such websites, please be sure to carefully review the web site’s privacy policy.


We are not responsible for the collection, usage and disclosure policies and practices (including the data security practices) of other organizations, such as Google, Apple, Microsoft and Facebook or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider or device manufacturer, including any Personal Information you disclose through or in connection with the Apps or our Social Media Pages.


Consent


By using the Online Services, you signify your consent to this Online Privacy Policy and this site’s Terms of Use. If you do not agree to this policy or the site’s Terms of Use, please do not use the Online Services. The Online Services are not for use within any country or jurisdiction or by any persons where such use would constitute a violation of law. If this applies to you, you are not authorized to access or use any of the Online Services.


Maintenance of the Services


The Services are maintained by us in the United States, and are not intended to subject us to the laws or jurisdiction of any state, country or territory other than that of the United States.


Changes to this Privacy Policy


We may change this Online Privacy Policy at any time and from time to time. Any amendments or modifications to this Online Privacy Policy will become effective immediately upon posting. Your continued use of any of our Online Services following the posting of a revised version of this Online Privacy Policy will constitute your acceptance of the revised Policy. If you do not agree with the revised Online Privacy Policy, do not use any of our Online Services.


Last Updated   Nov 2024