Every insurance company will have a set Terms and Conditions and Privacy Policies that you inherently agree to when using their website or entering any personal information within the website, say to make an inquiry or a quote estimate. Most people who visit websites will see these policies and automatically agree without really reading what they are agreeing to. Below, we have outlined an example of a Terms and Conditions of Use policy that insurance companies stipulate on their websites, so you have an idea of what it is you are immediately agreeing to.
The Terms and Conditions policy will generally be outlined as follows:
When using this website, you automatically agree to the terms as detailed below as well as acknowledge and accept these Terms and Conditions. Changes in these conditions and terms can occur at any time without prior notice or warning.
Consent for Contact
By submitting your personal information, you understand that you are, in fact, making a consumer inquiry to be contacted by any licensed insurance agents of the company you have submitted information to. These forms of contact include, but are not limited to, email, SMS text, direct mail, or telephone, even if you are on a do-not-call list either federally or by state. Withdrawing consent is possible, however, by notifying the company.
Representations and Warranties
To the best of your ability and knowledge, all and any information you present and send to the company is accurate and true.
Restrictions On Use
This section stipulates you will use the site only for the purposes expressly permutable for the site. This means not using the insurance website for any commercial purpose. This essentially means you may not use the company’s name, logo, or trademark for your own use or commercial purpose.
The information contained on this website is the proprietary information of the company’s and the company’s alone right, interest, and title. Subsequently, the content on the website will not be distributed, uploaded, posted, copied, or transmitted without the consent of the said company. You may, though, print out a copy of the website’s content for personal use. Should you print it out, you may not remove or alter any trademark, copyright, trade name, or any other proprietary notice, or service mark of the content. To do so violates the intellectual property rights of the company and the rights are not yours just by visiting the site.
Most of the time, company’s website will have other sites or parts of the site linked within the content. This section stipulates that the company does not hold responsibility for these sites, and is not sponsored or affiliated with the company. The sites are generally provided as a service to the users, and the users access them at their own risk.
Third-Party Content & Services
The company provides links to third parties and does not monitor nor control the third-party content. It also does not adopt nor endorse any third-party content and does not warrant or guarantee its accurateness or completeness. You are at your own risk by clicking on and exploring any connected third-party content, essentially.
Trademarks and Copyrights
The service marks, trademarks, and logos on the site are the property of said company you are visiting, and they retain all the rights to the content on their site.
The site lets you know that your usage of the website is at your own risk. This part will generally be in all caps. THE COMPANY DISCLAIMS ALL WARRANTIES, IMPLIED OR EXPRESSED, NON-INFRINGEMENT, TITLE, OR PARTICULAR PURPOSE. THE COMPANY CANNOT GUARANTEE THE CONTENT IS ERROR-FREE, THAT THEY WILL BE CORRECTED, OR THAT THE SITE IS NOT FREE OF VIRUSES OR OTHER HARMFUL CONTENTS. THE CONTENT ON THE SITE MAY INCLUDE TYPOGRAPHICAL ERRORS OR TECHNICAL INACCURACIES, AND THE COMPANY COULD MAKE IMPROVEMENTS OR CHANGES AT ANY TIME. THERE IS NO GUARANTEE THAT THE CONTENT WILL NOT INFRINGE ON OTHER’S RIGHTS AND ASSUMES NO RESPONSIBILITY OR LIABILITY FOR OMISSIONS OR ERRORS IN ANY SERVICES, PRODUCTS, PROCESSES, TRADEMARK, TRADE NAME, SUPPLIER, OR AGENTS. THE COMPANY IS NOT RESPONSIBLE FOR ANY ENDORSEMENTS, RECOMMENDATIONS, OR SPONSORSHIPS NOR DOES IT UNDERTAKE ANY RESPONSIBILITY TO REMOVE OR UPDATE SAID INFORMATION IF IT IS NO LONGER COMPLETE OR ACCURATE.
Limitation of Liability
The company makes it very clear that they are not liable for essentially any damages potentially caused by the content on the website or any linked content found through the website. No insurance company wants to be sued, hence both the disclaimer and liability. The content will generally read, again, in all caps. THE COMPANY, ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AFFILIATES, CONTENT PROVIDERS, OFFICERS, AGENTS, AND DIRECTORS WILL NEVER BE LIABLE FOR ANY PUNITIVE, DIRECT, SPECIAL, INDIRECT, CONSEQUENTIAL, INCIDENTAL, ACTUAL, SPECIAL, OR ANY DAMAGES OF ANY KIND WHATSOEVER, SUCH AS, LOSS OF PROFITS, LOSS OF USE, LOSS OF DATA, OR OTHERWISE, IN ANY WAY CONNECTED TO THE COMPANY, THIS WEBSITE, OR THE CONTENT ACCESSED THROUGH, OR CONTAINED ON, THIS WEBSITE.
The user will indemnify (protect against a loss or financial burden) and hold the company, as well as its affiliates, content providers, subsidiaries, service providers, agents, employees, directors, licensors, and contractors, harmless from any possible violation of these Terms & Conditions of Use.All Indemnified Parties have no liability or connection with any such unauthorized use or the breach, and the company (and others) are protected against any resulting damages, awards, loss, costs, attorneys’ fees, and expenses of the Indemnified Parties in connection thereon. Any claims from third parties arising out of the usage of the site are not the responsibility or fault of the aforementioned parties, Indemnified Parties, and the site.
Security is an important section on any Terms and Conditions Policy, describing what the site and company do with your information, both once you enter the site and with the information you enter in for any inquiries or questions. You are responsible for the privacy of your password and that they can monitor your account.For instance, if the password is considered insecure, you may be required to change it, and/or whatever account you have made with them can be terminated.
You may not use facilities or services provided within this site or provided by this site to tamper with security or system resources and/or accounts. The distribution or use of the tools for tampering with security (for example, cracking tools, probing tools, password guessing programs) is forbidden. Should you try to tamper with security in any way or violate the system of security, the company has the right to release your personal information or details to administrators and their sites so that the security issues can be resolved. They can investigate supposed violations of this Terms and Conditions policy. This means they reserve the right to call and cooperate with any court order or law enforcement authorities to disclose personal information should they suspect you of criminal activity, such as publishing or emailing or otherwise, any materials that violate these policies.
Whichever state the company currently resides in, either the headquarters or the branch you are interested in, this section essentially states that the company complies with those state’s laws wherever they are. This is a necessary portion of the legality of running a business within the US. Therefore, you also agree to comply within the laws of the state and any action in equity or at law arising out of these Terms will be settled within the state or federal courts.
This section states that the company reserves the right in its discretion and without prior notification, to terminate your ability to use the website and prevent or block further use.
All information on or through this site is protected by copyright law, meaning nothing may be published, photocopied, duplicated, faxed, uploaded, transmitted, or redistributed for any reason or any purpose without authorization.
If you are located where insurance quotes or advice are legally limited or regulated, you will refrain from the use of the advice, complying with the laws.
This is what a Terms and Conditions policy on an insurance website and various professional websites, is. Once it is broken down, as we have above, it is not such a complicated and lengthy read, though of course, lengths can vary. You should be aware of what you are signing on with and that no matter what happens with the insurance company, they will do whatever they can to remove themselves from liability and have you sign on to that fact before you even make a move. Always consult a lawyer when choosing an insurance program to help walk you through the legal language.