Acceptance of Terms
Welcome to InsureZone! Please read these terms and conditions of use carefully before using this site. Your use of this site indicates your acceptance of these terms and conditions and you agree that each visit you make to the insurezone.com web site shall be subject to the current guidelines. We reserve the right, at our discretion, to change, modify, add, or remove portions of these terms at any time, which may be updated by us from time to time.
All of the contents of the InsureZone web site pages, including, but not limited to, text, graphics, and icons, are copyrighted materials registered or controlled by InsureZone and contain InsureZone's name, trademarks, service marks, and trade names. None of the content or data found on this site may be reproduced, republished, distributed, sold, transferred, or modified without the express written permission of InsureZone and/or its third party providers and distributors. No permission is granted here to you to use, or permit others to use, InsureZone's icons, site address, or other means to hyperlink other Internet sites with any page in the insurezone.com web site without the written permission of InsureZone or such other party that may own the trademarks.
Third Party Web Sites
The InsureZone web site may contain hyperlinks to other (third party) web sites which are not maintained by InsureZone. These third party web sites are provided for the consumer's convenience and InsureZone is not responsible for any content of these sites. The inclusion of these links does not constitute nor imply approval or endorsement by InsureZone of the sites or their content.
This web site is not intended as a solicitation for insurance in any state where InsureZone or any of its affiliates are not licensed. CA License 0782201.
Limitation of Liability
The information and descriptions contained herein are not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general information purposes. You represent that you are of sufficient legal age to use this site and to create binding legal obligations for any liability you may incur as a result of the use of this site. You understand that you are financially responsible for all uses of this site by you and those using your login information. The precise coverage afforded by any insurer is subject to the terms and conditions of the policies as issued. All products may not be available in all states.
Product descriptions, insurance terms, resource library information, frequently asked questions, help information and the money saving tips contained in this site are intended as general information and are not necessarily complete descriptions of all terms, exclusions and conditions applicable to the products and services offered through InsureZone. Product availability varies by state. The insurance coverage afforded by our affiliated insurance carriers is subject to the terms and conditions of the policies issued by those insurance carriers. Coverages and their availability may vary by state; additional minimum coverage limits may be required in your state.
Recommendations and Endorsements
InsureZone does not recommend nor endorse any specific insurance carrier.
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The information and descriptions contained in this website are not intended to be a complete listing of all terms, exclusions, and conditions applicable to the products. The exact coverage is subject to the terms and conditions of the policies as issued and may not be available in all states.
Your Privacy on the InsureZone Commercial Web Site
This privacy information relates to the InsureZone Commercial Web site, which you may reach from the home page of this web site. Because you may reach the InsureZone Commercial Web site from this web site, we have created this privacy statement in order to demonstrate our firm commitment to protecting your privacy.
Our goal is to make you aware of the types of information we collect on our Commercial Web site and how we use this information to process insurance requests and provide a more personalized experience. This privacy statement discloses what information we collect, where and when we collect the information, our use of the information that you may provide and how you can correct or change any information you have provided.
The InsureZone site is directed to United States residents only. This site contains links to other sites. InsureZone is not responsible for the privacy practices or the content of those sites. This site has security measures in place to protect against the loss, misuse and alteration of the information under our control. We do not knowingly market to children. The following discloses our information gathering and dissemination practices for the InsureZone Commercial Web site.
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How Do We Protect Your Security?
We value your trust and handle your information with care. Our employees are committed to safeguarding your information using our high security standards and procedures. Application information is sent to us using "SSL" encryption technology or Secure Socket Layering to keep your information confidential online. SSL encrypts all of your information so that it cannot be read as it travels over the Internet. SSL works by using a private key to encrypt data. A third-party Certificate Authority authenticates the identity of the computer that sends the data and the computer that receives the data. By using this method of authenticating, unauthorized users cannot intercept the data and cannot send false information about you. InsureZone has a Secure Server Digital ID which has been issued and certified by a leading authority certificate authority.
InsureZone uses firewall technology as another layer of protection. This is a system designed to prevent unauthorized access to or from a private network when connected to the Internet. All data passing into or out of our network must first pass through the firewall. The firewall reviews each piece of data to make sure it meets our security criteria. The firewall blocks any data that does not meet the security criteria.
The Storage of Your Information
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InsureZone stores your information on a database server, which is separate from our Web server. Even in the unlikely event that someone gains unauthorized access to our Web site, they could not access your data.
Your Confidential Information
Your IP address is used to help identify you and to gather and analyze broad demographic information. Our site's registration form requires users to give us contact information (like your e-mail address) and demographic information (like your ZIP Code), for product availability. We use customer contact information from the registration form to send you information about InsureZone and promotional material from some of our partners. The customer's contact information is also used to contact you when necessary. Users may opt-out of receiving future mailings; see the choice/opt-out section below. Demographic and profile data is also collected at our site. We use this data to enhance your next visit to our site, showing you new information or services that we think you might be interested in, and displaying the content according to your preferences.
Any information collected in relation to the generation of insurance quotes is considered confidential information entrusted to InsureZone.
Where and When Do We Collect Information?
When you submit an e-mail to us, we receive your e-mail address. When you make an insurance request on our site we often collect information about you, your business, others in your household or your vehicles. We use this information to respond to your insurance requests. This information may include contact information, unique identifiers, financial information and demographic information. Other examples of the information we collect may include, but are not limited to:
ZIP Code, date of birth, gender, marital status, prior insurance carrier, current policy expiration date, home ownership, length of residence, review of credit information, employment duration, distance driven, vehicle information and attributes, vehicle use, number of drivers, driving record information, business type, business revenues, number of employees, employee classifications, prior claims history, property information, and payroll.
As permitted by law, this site may order certain underwriting reports, such as motor vehicle, consumer credit or loss claim history, to determine eligibility and to provide coverage at the lowest possible cost. InsureZone may ask you to verify or provide additional information if you decide to buy a policy. At your request, we will provide the source of these consumer reports and information on how to contact them to verify and/or correct your information. These reports and your insurance request information will be available only to the insurance companies affiliated with InsureZone and listed on our site.
What Information Do We Collect?
How Do We Use Your Information?
InsureZone uses your information to generate accurate insurance rates and provide a faster response to your insurance requests. As necessary, we use your information to contact you and/or consumer reporting agencies for verification. We may provide insurance information or other reminders to you via e-mail, mail and/or telephone. You may opt-out of receiving e-mail by sending an e-mail to email@example.com. You can opt-out of receiving mail or telephone calls from InsureZone by writing to InsureZone, indicating the name, address and telephone number you wish to have removed from our contact list. As part of our current insurance operations, we do not offer users a means by which to completely delete personal information provided during an insurance request.
For those customers electing insurance coverage or purchasing an insurance policy, information is sent only to customer's selected insurance carrier, company or underwriter for the purpose of obtaining insurance coverage for the customer.
We collect customer contact information (like your e-mail address), unique identifiers (like your Social Security number or Federal Tax ID number), financial information (like your account or credit card numbers), and demographic information (like your ZIP Code, age or home information). Financial information that is collected is used to get you the best rate possible. Unique identifiers (such as Social Security number or Federal Tax ID number) are collected from insurance applicants to verify their identity.
Do We Share Your Information?
InsureZone does not share or sell e-mail addresses, mailing information, telephone numbers or any other personal information to third-parties engaged in e-commerce or otherwise. It is not our practice to disclose personal information to third-parties without your authorization. InsureZone participates in various insurance industry databases, including reported claims, additional driver information and actuarial studies. We may share information about you in the normal business of conducting insurance operations. If and when you become an InsureZone customer or claimant, we may share information about you with the following:
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- A third-party if it is reasonably necessary to enable the party to perform services for us, such as claims investigations, appraisals or the detection of fraud or material misrepresentations;
- Any of our affiliated companies who provide service to you
- Insurance regulatory authorities; and/or
- Law enforcement agencies or other governmental authorities to protect our interest or to report illegal activities.
InsureZone Spam Policy
InsureZone does not tolerate the transmission of spam. We monitor all traffic to and from our Web servers for indications of spamming and maintain a spam abuse compliant center to register allegations of spam abuse. Customers suspected to be using InsureZone products and services for the purpose of sending spam are fully investigated. Once InsureZone determines there is a problem with spam, we will take the appropriate action to resolve the situation, resulting in the agent's immediate account termination.
How We Define Spam
We define spam as the sending of Unsolicited Commercial Email (UCE), Unsolicited Bulk Email (UBE) or Unsolicited Facsimiles (Fax), which is email or facsimile sent to recipients as an advertisement or otherwise, without first obtaining prior confirmed consent to receive these communications from the sender. This can include, but is not limited to, the following:
- Email Messages
- Newsgroup postings
- Windows system messages
- Pop-up messages (aka "adware" or "spyware" messages)
- Instant messages (using AOL, MSN, Yahoo or other instant messenger programs)
- Online chat room advertisements
- Guestbook or Website Forum postings
- Facsimile Solicitations
What We Allow and Don't Allow
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We will not allow our approved agents to engage in any type of spamming activity. In order to use our products and services, you must not only abide by all applicable laws and regulations, which include the Can-Spam Act of 2003 and the Telephone Consumer Protection Act, but you must also abide by InsureZone no spam policies. Commercial advertising and/or bulk emails or faxes may only be sent to recipients who have already "opted-in" to receive messages from the sender specifically. They must include a legitimate return address and reply-to address, the sender's physical address, and an opt-out method in the footer of the email or fax. Upon request by InsureZone, conclusive proof of opt-in may be required for an email address or fax number.
Suspected abuse can be reported by email to: firstname.lastname@example.org
InsureZone uses a technology called "temporary cookies." When you visit insurezone.com, we send you a temporary cookie that is held in your browser's memory. When you close your browser or log-out from your session, the temporary cookie disappears - that's why we named it a "temporary cookie." If you are using a computer that others have access to (school, library, internet café), we recommend you close your browser when you complete your Internet session. Cookies cannot harm your computer in any way. Only the Web site that places a cookie on your computer is allowed to read it; no other Web site may access the cookie that is placed on your computer by insurezone.com.
We will not sell or release your e-mail address without your permission. If you give us permission to allow our affiliated companies (that have met our rigorous screening process) to contact you, you always have the option to stop receiving special offers from those affiliates. InsureZone will always give you the opportunity to opt-out of receiving communications from us and our partners. You may opt-out of receiving e-mail, mail or telephone calls from InsureZone by writing to email@example.com, indicating the name, address and telephone number you wish to have removed from our contact list. As part of our current insurance operations, we do not offer users a means by which to completely delete personal information provided during an insurance request.
How Can You Correct Information You Have Provided?
You have the right to access and correct all personal information collected by third party consumer reporting agencies. In the case of information obtained from third party consumer reports, InsureZone will provide you with contact information for the reporting agency in question so that you can verify and/or correct your information with them.
This site gives users the following options for changing and modifying information previously provided: firstname.lastname@example.org
If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, you can e-mail us at email@example.com, you can telephone us at 1-866-InsZone (1-866-467-9663) or you can write to us at:
InsureZone, 1612 Summit Avenue, Suite 100, Fort Worth, TX 76102.