WEBSITE PRIVACY POLICY
Insurance Group of Nevada Corp is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the Insurance Group of Nevada Corp Web site and governs data collection and usage. By using the Insurance Group of Nevada Corp website, you consent to the data practices described in this statement.
Collection of your Personal Information
Insurance Group of Nevada Corp collects personally identifiable information, such as your e-mail address, name, home or work address or telephone number. Insurance Group of Nevada Corp also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.
There is also information about your computer hardware and software that is automatically collected by Insurance Group of Nevada Corp. This information can include: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by Insurance Group of Nevada Corp for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Insurance Group of Nevada Corp Web site.
Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Insurance Group of Nevada Corp public message boards, this information may be collected and used by others. Note: Insurance Group of Nevada Corp does not read any of your private online communications.
Insurance Group of Nevada Corp encourages you to review the privacy statements of Web sites you choose to link to from Insurance Group of Nevada Corp so that you can understand how those Web sites collect, use and share your information. Insurance Group of Nevada Corp is not responsible for the privacy statements or other content on Web sites outside of the Insurance Group of Nevada Corp and Insurance Group of Nevada Corp family of Web sites.
Use of your Personal Information
Insurance Group of Nevada Corp collects and uses your personal information to operate the Insurance Group of Nevada Corp Web site and deliver the services you have requested. Insurance Group of Nevada Corp also uses your personally identifiable information to inform you of other products or services available from Insurance Group of Nevada Corp and its affiliates. Insurance Group of Nevada Corp may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.
Insurance Group of Nevada Corp does not sell, rent or lease its customer lists to third parties. Insurance Group of Nevada Corp may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, Insurance Group of Nevada Corp may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Insurance Group of Nevada Corp, and they are required to maintain the confidentiality of your information.
Insurance Group of Nevada Corp does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.
Insurance Group of Nevada Corp keeps track of the Web sites and pages our customers visit within Insurance Group of Nevada Corp, in order to determine what Insurance Group of Nevada Corp services are the most popular. This data is used to deliver customized content and advertising within Insurance Group of Nevada Corp to customers whose behavior indicates that they are interested in a particular subject area.
Insurance Group of Nevada Corp Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Insurance Group of Nevada Corp or the site; (b) protect and defend the rights or property of Insurance Group of Nevada Corp; and, (c) act under exigent circumstances to protect the personal safety of users of Insurance Group of Nevada Corp, or the public.
Use of Cookies
The Insurance Group of Nevada Corp Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Insurance Group of Nevada Corp pages, or register with Insurance Group of Nevada Corp site or services, a cookie helps Insurance Group of Nevada Corp to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Insurance Group of Nevada Corp Web site, the information you previously provided can be retrieved, so you can easily use the Insurance Group of Nevada Corp features that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Insurance Group of Nevada Corp services or Web sites you visit.
Security of your Personal Information
Insurance Group of Nevada Corp secures your personal information from unauthorized access, use or disclosure. Insurance Group of Nevada Corp secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.
Changes to this Statement
Insurance Group of Nevada Corp will occasionally update this Statement of Privacy to reflect company and customer feedback. Insurance Group of Nevada Corp encourages you to periodically review this Statement to be informed of how Insurance Group of Nevada Corp is protecting your information.
Contact Information
Insurance Group of Nevada Corp welcomes your comments regarding this Statement of Privacy. If you believe that Insurance Group of Nevada Corp has not adhered to this Statement, please contact Insurance Group of Nevada Corp at . We will use commercially reasonable efforts to promptly determine and remedy the problem.
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:
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.
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 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.
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.
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.
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.
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
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)
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)
