PRIVACY POLICY
INSURANCE GROUP OF NEVADA CORP – COMPREHENSIVE PRIVACY POLICYEffective Date: October 26, 2025
Last Updated: October 26, 2025
SCOPE AND APPLICABILITYThis Privacy Policy applies to Insurance Group of Nevada Corp ("Company," "we," "us," or "our") and governs our collection, use, disclosure, and protection of personal information through our website at https://insurancechoice.us, mobile applications, and all insurance services we provide. This policy complies with the Gramm-Leach-Bliley Act (GLBA), California Consumer Privacy Act (CCPA), California Privacy Rights Act (CPRA), Nevada Privacy Law, and all applicable federal and state privacy regulations.
INFORMATION WE COLLECTPersonal Information CategoriesWe collect the following categories of personal information:
Contact Information:
HOW WE USE YOUR INFORMATIONWe use your personal information for the following business purposes:
Primary Business Functions
INFORMATION SHARING AND DISCLOSUREPermitted Disclosures Under GLBAWe may share your nonpublic personal information with:
Affiliates: Companies related by common ownership or control for business purposes consistent with this policy.
Nonaffiliated Third Parties for Business Functions:
CALIFORNIA PRIVACY RIGHTS (CCPA/CPRA)Rights of California ResidentsIf you are a California resident, you have the following privacy rights:
Right to Know: Request disclosure of the categories and specific pieces of personal information we have collected, used, disclosed, or sold about you.
Right to Delete: Request deletion of personal information we have collected from you, subject to certain exceptions.
Right to Correct: Request correction of inaccurate personal information we maintain about you.
Right to Opt-Out of Sale: Request that we do not sell your personal information to third parties.
Right to Opt-Out of Targeted Advertising: Request that we do not use your personal information for targeted advertising.
Right to Limit Use of Sensitive Personal Information: Request that we limit our use of your sensitive personal information.
Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.
Categories of Personal Information We ProcessWithin the past 12 months, we have collected and may disclose the following categories of personal information about California residents:
How to Exercise Your California RightsTo exercise your California privacy rights:
NEVADA PRIVACY RIGHTSNevada residents have the right to opt out of the sale of personally identifiable information. While we do not sell personal information as defined by Nevada law, you may submit an opt-out request by contacting us at [email protected] or (702) 555-0123.
DATA SECURITY AND PROTECTIONSecurity MeasuresWe implement comprehensive security measures to protect your personal information:
Physical Safeguards:
COOKIES AND TRACKING TECHNOLOGIESOur website uses cookies and similar technologies to:
DATA RETENTIONWe retain personal information for as long as necessary to:
CHILDREN'S PRIVACYOur services are not directed to individuals under 13 years of age. We do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will take steps to delete such information promptly.
CHANGES TO THIS PRIVACY POLICYWe may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. We will notify you of material changes by:
CONTACT INFORMATIONGeneral Privacy InquiriesInsurance Group of Nevada Corp
Privacy Officer
1415 Arville Street Suite 101
Las Vegas, NV 89102
Phone: (702) 555-0123
Email: [email protected]
California Privacy Rights RequestsEmail: [email protected]
Online: https://insurancechoice.us/california-privacy-request
Nevada Privacy Rights RequestsEmail: [email protected]
Phone: (702) 996-6434
REGULATORY COMPLIANCE STATEMENTInsurance Group of Nevada Corp is licensed to conduct insurance business in multiple states and is committed to complying with all applicable federal and state privacy laws, including but not limited to:
This Privacy Policy constitutes a legally binding agreement between you and Insurance Group of Nevada Corp regarding the collection, use, and protection of your personal information in connection with our insurance services.
Last Updated: October 26, 2025
SCOPE AND APPLICABILITYThis Privacy Policy applies to Insurance Group of Nevada Corp ("Company," "we," "us," or "our") and governs our collection, use, disclosure, and protection of personal information through our website at https://insurancechoice.us, mobile applications, and all insurance services we provide. This policy complies with the Gramm-Leach-Bliley Act (GLBA), California Consumer Privacy Act (CCPA), California Privacy Rights Act (CPRA), Nevada Privacy Law, and all applicable federal and state privacy regulations.
INFORMATION WE COLLECTPersonal Information CategoriesWe collect the following categories of personal information:
Contact Information:
- Name, address, phone number, email address
- Emergency contact information
- Preferred communication methods
- Bank account numbers, credit/debit card information
- Income, employment information, credit history
- Payment history and billing information
- Policy numbers, coverage details, claims history
- Driving records, motor vehicle reports
- Medical information (for health and life insurance only)
- Property information and valuations
- IP address, browser type, device identifiers
- Website usage patterns, page views, session duration
- Cookies and similar tracking technologies
- Age, gender, marital status, household composition
- ZIP code and geographic location
- Directly from you through applications, forms, and communications
- Third-party sources including credit agencies, motor vehicle departments, medical providers, and other insurance companies
- Public records and databases
- Our website, mobile applications, and digital platforms
- Automatic data collection technologies
HOW WE USE YOUR INFORMATIONWe use your personal information for the following business purposes:
Primary Business Functions
- Processing insurance applications and underwriting policies
- Providing insurance coverage and processing claims
- Billing and payment processing
- Customer service and support
- Fraud prevention and detection
- Compliance with legal and regulatory requirements
- Marketing our insurance products and services
- Improving our products, services, and customer experience
- Conducting research and analytics
- Internal business operations and administration
- Contract performance and fulfillment
- Legitimate business interests
- Legal compliance requirements
- Consent (where required by law)
INFORMATION SHARING AND DISCLOSUREPermitted Disclosures Under GLBAWe may share your nonpublic personal information with:
Affiliates: Companies related by common ownership or control for business purposes consistent with this policy.
Nonaffiliated Third Parties for Business Functions:
- Insurance companies for coverage placement and claims processing
- Reinsurance companies for risk transfer
- Agents, brokers, and intermediaries for policy administration
- Service providers for data processing, customer service, and administrative functions
- Credit agencies and financial institutions for payment processing
- Legal and professional advisors
- Government agencies and regulators as required by law
- Courts and legal proceedings pursuant to valid legal process
- Law enforcement for fraud prevention and investigation
- Share information with affiliates for marketing purposes
- Share information with nonaffiliated third parties for their marketing purposes
- Phone: (702) 555-0123
- Email: [email protected]
- Mail: Insurance Group of Nevada Corp, Privacy Officer, 1415 Arville Street Suite 101, Las Vegas, NV 89102
CALIFORNIA PRIVACY RIGHTS (CCPA/CPRA)Rights of California ResidentsIf you are a California resident, you have the following privacy rights:
Right to Know: Request disclosure of the categories and specific pieces of personal information we have collected, used, disclosed, or sold about you.
Right to Delete: Request deletion of personal information we have collected from you, subject to certain exceptions.
Right to Correct: Request correction of inaccurate personal information we maintain about you.
Right to Opt-Out of Sale: Request that we do not sell your personal information to third parties.
Right to Opt-Out of Targeted Advertising: Request that we do not use your personal information for targeted advertising.
Right to Limit Use of Sensitive Personal Information: Request that we limit our use of your sensitive personal information.
Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.
Categories of Personal Information We ProcessWithin the past 12 months, we have collected and may disclose the following categories of personal information about California residents:
- Identifiers (names, addresses, phone numbers, email addresses)
- Financial information (bank accounts, credit information, payment history)
- Commercial information (transaction records, policy details)
- Internet activity (website usage, search history on our platforms)
- Geolocation data (general location based on IP address)
- Professional information (employment, income details)
- Sensitive personal information (health data for health insurance policies only)
How to Exercise Your California RightsTo exercise your California privacy rights:
- Online: Submit a request at https://insurancechoice.us/privacy-request
- Phone: Call our toll-free number at (702) 555-0123
- Email: Send a request to [email protected]
- Mail: Insurance Group of Nevada Corp, California Privacy Rights, 1415 Arville Street Suite 101, Las Vegas, NV 89102
NEVADA PRIVACY RIGHTSNevada residents have the right to opt out of the sale of personally identifiable information. While we do not sell personal information as defined by Nevada law, you may submit an opt-out request by contacting us at [email protected] or (702) 555-0123.
DATA SECURITY AND PROTECTIONSecurity MeasuresWe implement comprehensive security measures to protect your personal information:
Physical Safeguards:
- Restricted access to facilities and records
- Secure storage of paper and electronic records
- Proper disposal of sensitive information
- Employee training on privacy and security policies
- Access controls and authorization procedures
- Regular security audits and assessments
- Encryption of data in transit and at rest
- Firewall protection and intrusion detection systems
- Multi-factor authentication for system access
- Regular software updates and security patches
COOKIES AND TRACKING TECHNOLOGIESOur website uses cookies and similar technologies to:
- Remember your preferences and settings
- Analyze website traffic and usage patterns
- Provide personalized content and advertisements
- Ensure website security and functionality
DATA RETENTIONWe retain personal information for as long as necessary to:
- Fulfill the purposes for which it was collected
- Comply with legal and regulatory requirements
- Resolve disputes and enforce agreements
- Support business operations and customer relationships
CHILDREN'S PRIVACYOur services are not directed to individuals under 13 years of age. We do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will take steps to delete such information promptly.
CHANGES TO THIS PRIVACY POLICYWe may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. We will notify you of material changes by:
- Posting the updated policy on our website
- Sending notice to your email address on file
- Providing notice through other communication channels as appropriate
CONTACT INFORMATIONGeneral Privacy InquiriesInsurance Group of Nevada Corp
Privacy Officer
1415 Arville Street Suite 101
Las Vegas, NV 89102
Phone: (702) 555-0123
Email: [email protected]
California Privacy Rights RequestsEmail: [email protected]
Online: https://insurancechoice.us/california-privacy-request
Nevada Privacy Rights RequestsEmail: [email protected]
Phone: (702) 996-6434
REGULATORY COMPLIANCE STATEMENTInsurance Group of Nevada Corp is licensed to conduct insurance business in multiple states and is committed to complying with all applicable federal and state privacy laws, including but not limited to:
- Gramm-Leach-Bliley Act (GLBA)
- California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA)
- Nevada Privacy Law (NRS Chapter 603A)
- Health Insurance Portability and Accountability Act (HIPAA) where applicable
- Fair Credit Reporting Act (FCRA)
- State insurance privacy regulations
This Privacy Policy constitutes a legally binding agreement between you and Insurance Group of Nevada Corp regarding the collection, use, and protection of your personal information in connection with our insurance services.
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 1415 Arville Street Suite 101 Las Vegas NV 89102
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 Nevada, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in Clark County, Nevada, 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 1415 Arville Street Suite 101 Las Vegas NV 89102
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 Nevada, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in Clark County, Nevada, 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.
