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Terms of Use/Privacy Notice
Welcome to www.InsurancePrices.com, a web site where consumers can research various insurance choices and insurance companies, and, if they choose to do so, apply for insurance products and services that may be of interest to them and their family. This web site is owned and operated by Florida Insurance, Inc., DBA www.InsurancePrices.com in the States of Colorado, Nevada, Tennessee, and Texas, (hereinafter, the "Company"), a licensed insurance agency (see Licensing, below). The Company provides its services to you subject to the Terms of Use set forth below.
Your use of this web site in any manner, whether browsing/viewing/visiting or applying for insurance products, constitutes your acknowledgement that you have read the Terms of Use and that you accept, agree to follow, and agree to be bound by them.
The Company reserves the right to modify or change the Terms of Use at any time without prior notice to you. Therefore, we recommend that you please read them carefully each time you use this web site.
The insurance services and/or products described on this web site are only for persons in those states and jurisdictions where such products and services may legally be sold. Nothing on this web site shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such offer, solicitation, purchase, or sale would be unlawful.
Use Limitation
This web site is for the use of consumers who are researching various insurance choices and insurance companies. You are not permitted to use this web site or its contents for any commercial or non-personal purpose (direct or indirect). The Company reserves the right to prevent any party who engages in such non-permitted use(s) from accessing this web site.
Privacy
Please review our Privacy Notice (see Privacy Notice, below), which also governs your visit to www.InsurancePrices.com, to understand our privacy policy/practices.
Electronic Communications
When you visit www.InsurancePrices.com or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
Trademarks
Designated trademarks that appear on this web site are the property of their respective owners. All trademarks, service marks, trade names and logos displayed on this web site are proprietary or licensed to the Company, except for those of insurance carriers, agents, agencies, brokers, industry organizations, and other service companies, which are service marks or trademarks of their respective entities. The names, trademarks, service marks and logos of the Company and any of the insurance companies represented by the Company may not be used in any advertising or publicity, or otherwise for any commercial use by other insurance agents, agencies, or brokers (see Use Limitation, above). No portion of this web site, or any news or information displayed on this web site, may be published, broadcast, duplicated, photocopied, faxed, downloaded, uploaded, distributed, transmitted or redistributed in any way for any purpose without the express written consent of an officer of the Company. Users and other web sites may not redeliver any of the pages, text, images, or other content of this web site using "framing" methodology (or similar means) without the express written consent of an officer of the Company.
Copyrights
All content included on this web site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of the Company or its content suppliers and protected by United States and international copyright laws. The compilation of all content on this web site is the exclusive property of the Company and protected by United States and international copyright laws. All software used on this web site is the property of the Company or its software suppliers and protected by United States and international copyright laws.
Your Account
If you use this web site, you are responsible for maintaining the confidentiality of any accounts you may establish, passwords, and answers to security questions for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your accounts or passwords. Further, by using this web site, you warrant that you are at least 18 years of age and possess the legal authority to use this web site. The Company does not sell insurance products to minors, but it sells them to adults. If you are applying for an insurance product on behalf of a minor, you agree to supervise all usage of this web site by minors under your name or account. The Company reserves the right to refuse service, terminate accounts, or remove or edit content in its sole discretion.
Disclaimer; No Warranties; Limited Liability
WWW.INSURANCEPRICES.COM IS A WEB SITE WHERE CONSUMERS CAN RESEARCH VARIOUS INSURANCE CHOICES AND INSURANCE COMPANIES. NOTWITHSTANDING ANY LANGUAGE TO THE CONTRARY, NOTHING CONTAINED HEREIN CONSTITUTES NOR IS INTENDED TO CONSTITUTE AN OFFER, INDUCEMENT, PROMISE, OR CONTRACT OF ANY KIND, OR A RECOMMENDATION TO PURCHASE FROM ANY PARTICULAR COMPANY AT ANY PARTICULAR LEVEL OF BENEFITS.
THIS WEB SITE AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE), AND SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS WEB SITE, INCLUDING ANY ADVICE THAT MAY BE GIVEN TO YOU AND/OR CONDUCTED THROUGH THIS WEB SITE, ARE PROVIDED BY THE COMPANY ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS WEB SITE OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE), OR SERVICES INCLUDED ON THIS WEB SITE, INCLUDING ANY ADVICE THAT MAY BE GIVEN TO YOU AND/OR CONDUCTED THROUGH THIS WEB SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS WEB SITE IS AT YOUR SOLE RISK. ANY LINKS TO OTHER WEB SITES ARE PROVIDED AS A COURTESY, FOR YOUR CONVENIENCE ONLY. THEY ARE NOT INTENDED TO NOR DO THEY CONSTITUTE AN ENDORSEMENT BY THE COMPANY OF THE LINKED MATERIALS. THE COMPANY MAKES NO REPRESENTATIONS WHATSOEVER ABOUT ANY LINKS TO THE WEB SITES YOU MAY ACCESS THROUGH THIS WEB SITE, AS THE COMPANY HAS NO CONTROL OVER THE CONTENT APPEARING ON SUCH LINKED WEB SITES. MOREOVER, A LINK TO ANOTHER WEB SITE DOES NOT IMPLY AND DOES NOT CONSTITUTE SPONSORSHIP, ENDORSEMENT, APPROVAL OR RESPONSIBILITY FOR THE CONTENT ON, OR THE USE OF, SUCH LINKED WEB SITE. NO RIGHTS TO USE OR COPY THE INFORMATION ON THIS WEB SITE OR LINKED WEB SITES IS GRANTED OR IMPLIED. PLEASE NOTE: THE PRIVACY POLICIES APPLICABLE TO LINKED WEB SITES MAY DIFFER SIGNIFICANTLY FROM THE COMPANY'S PRIVACY NOTICE/POLICY. YOU ARE ENCOURAGED TO REVIEW THE APPLICABLE PRIVACY POLICIES OF SUCH LINKED WEB SITES.
TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY DOES NOT WARRANT THAT: THIS WEB SITE; INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE), OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS WEB SITE, INCLUDING ANY ADVICE THAT MAY BE GIVEN TO YOU AND/OR CONDUCTED THROUGH THIS WEB SITE; SERVERS; OR E-MAIL SENT FROM THE COMPANY ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. IN NO EVENT SHALL THE COMPANY, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, SUCCESSORS OR ASSIGNS OR OTHER REPRESENTATIVES BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF OR IN CONNECTION WITH ANY USE OF, INABILITY TO USE, RESULTS OF USE OF, FAILURE OF PERFORMANCE OF, ERROR OF, OMISSIONS OF, INTERRUPTION OF, DEFECT OF, OR DELAY IN OPERATION OR TRANSMISSION OF, THIS WEB SITE, OR FROM ANY INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE), SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS WEB SITE, OR ANY ADVICE THAT MAY BE GIVEN TO YOU AND/OR CONDUCTED THROUGH THIS WEB SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, CONSEQUENTIAL DAMAGES, DAMAGES FOR LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR COVERAGE INTERRUPTIONS - EVEN IF THE COMPANY IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THIS WEB SITE AND THE CONTENT THEREON, OR THE CONDITIONS OR TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THIS WEB SITE. IF ANY PORTION OF THIS LIMITATION IS FOUND TO BE INVALID OR UNENFORCEABLE FOR ANY REASON, THEN THE COMPANY'S TOTAL LIABILITY TO YOU SHALL IN NO EVENT EXCEED ONE HUNDRED DOLLARS ($100).
CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.
THE COMPANY DOES NOT WARRANT THE ACCURACY, TIMELINESS, INTEGRITY OR COMPLETENESS OF THE CONTENT PROVIDED IN THIS WEB SITE, INCLUDING, BUT NOT LIMITED TO ANY ADVICE OR OTHER SIMILAR INFORMATION OBTAINED BY YOU FROM US AND/OR CONDUCTED THROUGH THIS WEB SITE AND ANY CONTENT PROVIDED ON LINKED WEB SITES.
THE COMPANY IS NOT AN INSURANCE COMPANY, NOR IS THIS WEB SITE AN INSURANCE COMPANY. THE COMPANY AND THIS WEB SITE ARE NOT RESPONSIBLE FOR PAYMENT OF ANY CLAIMS OR REIMBURSEMENT OF PREMIUMS A USER MAY HAVE RELATING TO INSURANCE APPLIED FOR THROUGH THIS WEB SITE.
Applicable Law
By accessing and using www.InsurancePrices.com, you agree that your access and use of this web site is subject to the Terms of Use, and all applicable laws, as governed exclusively by the laws of the State of Florida, without regard to any principles of conflict of laws.
Disputes
Any dispute relating in any way to your visit to www.InsurancePrices.com or to products or services sold by the Company or through www.InsurancePrices.com shall be adjudicated in any state or federal court in Pinellas County, Florida, and you consent to exclusive jurisdiction and venue in such courts.
Existing Insurance Coverage; Rates and Effective Dates; Benefits and Limitations
DO NOT CANCEL ANY EXISTING INSURANCE UNTIL YOU RECEIVE WRITTEN FORMAL CONFIRMATION FROM THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS IN EFFECT.
Rates shown on this web site are based upon the information you provided and are subject to change based on the insurance company's underwriting practices and your selection of available optional benefits, if any. Final rates and effective dates are subject to underwriting and are always determined by the insurance company. This web site was designed to provide you with a general description of insurance plans. Be advised that this web site does not include all the benefits and limitations outlined in the policies; it is the insurance contract, not the general descriptions on this web site, which forms the contract between you and the insurance company.
Licensing
This web site is brought to you by the following licensed agent/agency/broker, its affiliates, and/or its licensed agents/agencies/brokers, in each respective state that requires insurance transactions to be conducted through a licensed agent/agency/broker. The following agent/agency/broker licenses are held by or on behalf of Florida Insurance, Inc., a Florida corporation with its principal place of business at:
Florida Insurance, Inc.
1460 Beltrees Street #11
Dunedin, FL 34698
Tel: (800) 474-0703
STATE LICENSE NO. DBA (Doing Business As)
Colorado 318040 www.InsurancePrices.com
Nevada 660659 www.InsurancePrices.com
Tennessee 0000175 www.InsurancePrices.com
(formerly Benefit Options)
Texas 15493 www.InsurancePrices.com
(formerly Benefit Options, Inc.)
Miscellaneous
The Terms of Use constitute the entire agreement between you and the Company with respect to this web site. The Terms of Use supercede all prior or contemporaneous communications and proposals, whether electronic, oral or written between you and the Company with respect to this web site. No modification of the Terms of Use shall be effective unless an officer of the Company expressly authorizes it in writing. If any provision of the Terms of Use is found to be contrary to law, then such provision(s) shall be constructed in a manner to closely reflect, as much as possible, the intentions of the parties, with the other provisions remaining in full force and effect.
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Privacy Notice
We collect both personal information and anonymous information. Throughout this Privacy Notice, we refer to information that can identify you as a specific individual, such as your name, telephone phone number, e-mail address, social security number or credit card number, as "personal information." Further, "personal information" includes any information involving your health or medical history. We refer to any information that does not personally identify you, such as the number of visitors that log on to our web site, as "anonymous information."
We use your personal information to help you research various insurance choices and insurance companies and, if you choose to do so, apply for insurance products and services that may be of interest to you and your family, to provide superior service, to communicate and inform you of products and services which we believe may be of interest to you, and to administer our business. This Privacy Notice describes our privacy policy. Your use of this web site in any manner, whether browsing/viewing/visiting or applying for insurance products, constitutes your acknowledgement that you have read the practices described in this Privacy Notice and that you accept, agree to follow, and agree to be bound by them. If you have additional questions or would like further information on this topic, please feel free to write us at information@insuranceprices.com.
This Privacy Notice discloses the information privacy practices for the web site (with the URL of www.insuranceprices.com) that you are currently visiting. www.InsurancePrices.com may update this Privacy Notice from time to time. Please check this Privacy Notice for changes.
1. We do not disclose or share your personal information, unless one of the following exceptions applies:
A. Insurance Companies, Licensed Agents and Authorized HSA Trustees or Administrators. If you submit an application for an insurance product offered by us, then we will disclose your personal information to your chosen insurance company to process your application. In addition, we may disclose your personal information to any insurance agent/agency/broker with whom we have associated to conduct/process your quote or application. If you complete an enrollment form for a health savings account ("HSA") offered through an authorized HSA trustee or administrator with whom we have associated, then we may disclose your personal information to that trustee or administrator to enroll you in an HSA. We are not responsible, and shall not be liable, if any of these people or entities violates this Privacy Notice or their own privacy policy, if any.
B. Service Providers. We may disclose your personal information to other companies that help us conduct/process or service your insurance quote and/or application, or correspond with you. For example, we may provide your personal information to a service provider to verify the validity or credit limit of your credit card. We may also disclose your personal information to other companies that perform technology or marketing services for us, for their use in performing such services. We are not responsible, and shall not be liable, if any of these service providers violates this Privacy Notice or their own privacy policy, if any.
C. Products or Services. We may disclose your personal information with companies which we own and/or operate, as well as select other businesses with which we have a relationship, such as insurance agents, insurance agencies, insurance brokers, and insurance companies, to provide you with products or services that you have requested or to provide you with products or services that we believe may be of interest to you. We are not responsible, and shall not be liable, if an insurance agent, insurance agency, insurance broker, or insurance company violates this Privacy Notice or their own privacy policy, if any.
D. Legal Obligations. We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes. We are not responsible, and shall not be liable, if a regulator or law enforcement authority violates this Privacy Notice or their own privacy policy, if any
E. Protect or Defend Rights or Well-Being. We reserve the right to disclose any information concerning you to protect or defend our rights or the rights or well-being of the users of this web site, or if you are involved or are reasonably suspected to be involved in any illegal activity, even without a subpoena, warrant or court order.
F. Sale of Business. In the event of a sale of all or part of one of our businesses, we may disclose personal information related to that business as part of the transaction.
2. We collect personal information in the normal course of business in order to process your insurance quote and/or application and to serve you better.
A. Communicating With Us. We begin collecting personal information from you when you communicate with us. For example, you may communicate with us by providing certain personal information (e.g., e-mail address, phone number, gender, date of birth) to one of the insurance agents/agencies/brokers with whom we have associated.
B. Applying for Insurance and Other Products. If you apply for insurance or another product or service through our web site, we may ask you to provide us with personal information, which includes health information, relating to you and any family member who will be included on your application. This information will be used by your insurance company, insurance agent/agency/broker, or HSA trustee or administrator to process your application. Additionally, we may ask you to provide us with credit card or bank information, which will be used by your chosen insurance company or HSA trustee or administrator to process your application and/or collect any fees associated with your application and/or insurance premiums upon approval of your application.
C. Providing You with a Quote or Processing Your Application. We may use your personal information to get in touch with you when necessary to provide you with a quote and/or process your application. For example, e-mails may be sent to you throughout the application process to inform you of the status of your application and/or to seek additional information that is requested as part of the application.
D. Customer Satisfaction, Referrals, and Products and Services. We, including any company we own or operate, as well as select other businesses with which we have a relationship, such as insurance agents, insurance agencies, insurance brokers, and insurance companies, may contact you to survey your satisfaction of our products and services, to refer our products and services to other people, and/or to inform you of products and services which we believe may be of interest to you. You may opt out of receiving these additional communications from us by following the opt-out procedures below.
E. Consent to Processing; Authorization. By providing any personal information to us, you fully understand and unambiguously consent to the transfer of such personal information to, and the collection and processing of such personal information in, the United States and other countries or territories. In addition, by submitting this personal information, you are authorizing us, including any company we own or operate, as well as select other businesses with which we have a relationship, such as insurance agents, insurance agencies, insurance brokers, and insurance companies, to contact you directly via telephone, facsimile transmission, and/or e-mail, regardless of the presence of your telephone number(s) on any local or national no-call list or the presence of your e-mail address or facsimile number on any local or national no-contact list.
F. Third Parties. In order to provide you with products and services designed to meet your needs, we may collect and/or purchase demographic information (such as number of household members, age, and gender), preference information, mailing lists, insurance leads, and marketing services from third parties. We may use this information to provide you with the most relevant products and services and/or to customize your experience on our web site.
3. We may gather anonymous information about you, and we may disclose or share this anonymous information with third parties.
A. Anonymous information is any information that does not personally identify you, including aggregate demographic information such as the number of visitors to our web site from a particular state.
B. We use anonymous information primarily for marketing purposes and to improve the products and services we offer you.
C. We may use "Cookies," "Clear Gifs," "Internet Protocol" addresses and other monitoring technologies to gather anonymous information. "Cookies" are small files that are stored by your web browser to help a particular system recognize you and the pages you visited in a web site. Our web site may use cookies to make your online experience more convenient. We may use data from cookies for a variety of internal purposes, such as studying how users navigate our web site. "Clear gifs" are tiny graphics with a unique identifier, similar in function to cookies, which are used to track the online movements of web site users. The main difference between the two is that clear gifs are invisible on the page and are much smaller than cookies.
D. We may use third party web analytics services to track and analyze anonymous usage and volume statistical information from visitors to help us administer our web site, improve our web site's performance, and to report web site traffic. These web analytics services may also use cookies, clear gifs and other web monitoring technologies to help track visitor behavior on our behalf. We have no control over what information such third parties track or collect, and we have no responsibility or liability for any tracking, data collection, or other activities of such third parties.
4. Please note that once your application has been submitted to your chosen insurance company, you may have to contact the insurance company directly to update your application.
5. You may opt out of receiving satisfaction surveys, referral requests, and/or information on products and services from us.
A. When you provide personal information to us, you will periodically receive communications from us. As mentioned above, we may contact you to survey your satisfaction of our service and products, to request referrals of our products and services to other people, and/or to inform you of products and services we believe may be of interest to you. Our communications are usually delivered via e-mail or telephone.
B. If you want to opt out of receiving our surveys, referral requests, or notices/information on products and services, you may do so by:
1. Following the instructions in the e-mail message you receive,
2. Sending an e-mail to: information@insuranceprices.com, or
3. Mailing: Florida Insurance, Inc., 1460 Beltrees Street #11, Dunedin, FL 34698.
Please note that it will take up to 30 days to process your request.
C. Please note that you will still receive communications from us regarding your existing or past relationship with us, such as your pending or past insurance quote, application, or policy, even if you opt out of receiving our surveys, referral requests, and notices of products and services.
D. Please note that your option not to receive our surveys, referral requests, or notices/information on our products and services shall not preclude us, including our employees, contractors, agents and other representatives, from accessing and viewing your personal information in the course of maintaining and improving this web site.
6. If you have any questions about our Privacy Notice, please e-mail us at information@insuranceprices.com.
7. This Privacy Notice applies to this www.InsurancePrices.com web site, and may not apply to other web sites that are owned and/or operated by, and/or affiliated with, Florida Insurance, Inc.
Any and all personal information you submit to us, including personal information you provide to any insurance agents/agencies/brokers with whom we have associated, shall be governed by this Privacy Notice. Additionally, any and all of the anonymous information collected from this web site shall be governed by this Privacy Notice.
8. Links to Other Web sites. Our web site contains links to other web sites. Please note that when you click on one of these links, you are "clicking" to another web site. We are not responsible for the information privacy practices or the content of such web sites. We encourage you to read the privacy policies of these linked web sites as their information privacy practices may differ from ours.
9. Subject to Change. As mentioned above, this Privacy Notice is subject to change. Any and all changes will become effective immediately. If there are material changes to this Privacy Notice, we will provide notice of the changes by posting the amended changes on www.InsurancePrices.com and by revising the effective date of the Privacy Notice textual link appearing below.
Effective date: October 30, 2009