Web Site Privacy Policies

At Insure Savings, we value your business and the trust you’ve placed in us. That’s why we want to assure you that we are serious about keeping your personal information private before, during and after your business relationship with us. We hope that this Notice will help you understand how we treat customer information we obtain from you or other sources in the course of providing you with products and services. We want you to know that we respect your privacy and protect the confidentiality of your information. It is important to us that you know that:

We do not sell your personal information.
We do not share customer information with persons, companies, or organizations that would use that information to contact you about their own products and services.
We expect persons or organizations that provide services on our behalf to keep customer information confidential and to use it only to provide the services we’ve asked them to perform.
Within our agency, we communicate regarding the need to protect your information to those individuals who may have access to it, and we have established physical, electronic and procedural safeguards to protect information.
Our privacy policies and practices continue to apply to your information after you cease to be a customer.

Information We Collect

During the course of providing products and services we collect non-public personal information about you. Much of the personal information that we collect comes directly from you. When submitting your application or request for insurance or other products and services we offer, or in requesting an insurance quote, you may give us information such as your name, address and Social Security number. We also keep information concerning your transactions with our affiliates, others, or us, for example, the types of products and services that you purchase from us, premiums, account balances and payment history.

We may also obtain information from outside sources, including:

Consumer reporting agencies, credit reporting services;
Health care providers; and
Governmental agencies or similar sources.

This information may include loss information reports, motor vehicle reports, credit reports and medical information.

Information We May Disclose to Third Parties

We do not sell your personal information to anyone. Nor do we normally share it with companies or organizations outside of our agency. However, in some circumstances we may disclose information to others without your prior authorization. For example, in order to procure other components of the insurance products you request and service those insurance products we will need to provide your information to certain parties. If you prefer we not share any information with parties not affiliated with the company that we have placed you with for insurance, please notify us. Note, this may affect our ability to provide insurance services and products to you.

We may, without authorization but only as permitted or required by law, provide personal information to persons or organizations both inside and outside of our agency in order to fulfill a transaction you have requested, service your policy, market our products to you, investigate and/or handle claims, detect and/or prevent fraud, participate in insurance support organizations, or comply with lawful requests from regulatory and law enforcement authorities. These include, for example: affiliated companies, claims adjusters, medical providers, and program managers.

Our Practices Regarding Information Confidentiality and Security

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.

How You Can Find Out What Information We Have About You

You have a right upon written request to us, to obtain a copy of any recorded personal information we have in our files. Your request must contain your full name, address, and policy number. We will, within 30 business days from the date we receive your request, send you a copy of the information we have. We will also tell you the identity, if known, of those persons to whom we have disclosed personal information within the prior two years. If the identities of these persons are not known, we will tell you the names of those persons to whom we normally disclose such information. There are some types of information, however, to which we are not required to give to you access, such as information collected when we evaluate a claim or when the possibility of a lawsuit exists.

You have the right to make a written request of us to correct, amend, or delete any recorded personal information we have on you. We will, within 30 business days from the date we receive your request, either correct, amend or delete the disputed portion of the information or we will notify you of our refusal to do so, the reasons for refusal, and your right to file a supplementary statement disagreeing with out refusal. If we refuse to correct, amend, or delete personal information, you have the right to file a concise statement setting forth what you think is the correct, relevant, or fair information and a concise statement of the reasons you disagree with our refusal to correct, amend, or delete the information. If you file either statement, we will file the statement with the disputed information. In this case, anyone reviewing the disputed information will also receive your statement. We will also furnish your statement to any persons or insurance support organizations to whom we previously provided the personal information in dispute.

If we agree to correct, amend, or delete the recorded personal information about you, we will notify you in writing. We will furnish the correction, amendment or deletion to any person you specifically designate who may have, within the preceding two years, received the information from us. The correction, amendment, or deletion, will also be furnished to any insurance support organization, which systematically receives such information and still maintains it about you and to any insurance support organization that furnished us with the information that has been corrected, amended, or deleted.

TERMS AND CONDITIONS
LEGAL NOTICE

Our websites (www.InsureSavings.com, www.SaveWithEPIC.com, www.LongLakeInsurance.com ) are owned by Insure Savings and are intended for private use by individual residents of Minnesota. You may not copy, republish, modify, post or transmit anything without first obtaining our written permission or you will be violating our intellectual property rights. Our ownership of this site and its content grants us the right to control access to the site and you may not create any type of link from any other site to ours without first securing our written permission.

The information and descriptions contained on this site are intended for general information purposes. The insurance coverage afforded by policies available through Insure Savings is subject to the terms, exclusions and conditions of the policies issued and Minnesota law.

LIMITATION OF LIABILITY

Insure Savings and the insurers represented by Insure Savings will not be responsible for any damages or injuries that accompany or result from your use of its sites. These include (but are not limited to) damages or injuries caused by any:

(1) Use of (or inability to use) the sites;
(2) Use of (or inability to use) any site to which you hyperlink from our sites;
(3) Failure of performance;
(4) Error;
(5) Omission;
(6) Interruption;
(7) Defect;
(8) Delay in operation or transmission;
(9) Computer Virus; or
(10) Line Failure.

We are not liable for any consequential or incidental damages, which are damages intended to compensate someone directly for a loss or injury, damages reasonably expected to result from a loss or injury, or other miscellaneous damages and expenses resulting directly from a loss or injury. Furthermore, we are not liable even if we have been negligent and/or if our authorized representative has been advised of the possibility of such damages.

However, in certain States, where the law may not allow us to limit or exclude liability for these incidental or consequential damages, the above limitation may not apply and you may have the right to recover these types of damages. In any event, our liability to you for all losses, whether the losses are claimed to be caused by negligence or other wrongful conduct, or any other legal theory, we will not be greater than the amount you paid to access our sites.

DISCLAIMER

The material on our sites is provided as is. This means that Insure Savings disclaims all express and implied warranties about the material in the sites. This includes, but is not limited to, warranties about the material that:

(1) That the information contained in the sites is accurate as of any particular date;
(2) That our sites, or the servers that make them available are free of viruses or other harmful components or conditions;
(3) That the material is of any particular level of quality or is fit for a particular purpose;
(4) That the functional elements contained in the materials will be uninterrupted or error-free; or
(5) That defects will be corrected.

HYPERLINKS

We may provide access to other World Wide Web sites via hyperlinks on our site. We do not, however, endorse or approve any products or information offered to you at those sites.

Providing material on our website does not carry any promise that such materials will continue to be available or that you will qualify for the products or services we offer. We are entitled to terminate all or any part of our sites at any time without notice.

JURISDICTION

The material at our site is presented to provide information about us, our products and the insurance business.

The laws of the State of Minnesota shall govern any action concerning our site.

The materials on the site or the products discussed are not available or for use outside the United States or in jurisdictions in which Insure Savings and/or our affiliates are not licensed to do business.

Furthermore, we are not soliciting business in any such jurisdiction. By completing an on-line request for a rate quote, you are confirming that you are not a resident of any such jurisdiction.

Trademarks and Copyrights

We may provide access to other World Wide Web sites via hyperlinks on our websites. We do not, however, endorse or approve any products or information offered to you at those sites.

Providing material on our website does not carry any promise that such materials will continue to be available or that you will qualify for the products or services we offer. We are entitled to terminate all or any part of our sites at any time without notice.

MISCELLANEOUS

If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.

Insure Savings may modify these Terms and Conditions, and the agreement they create, at any time, without notice to you.

This is the entire agreement regarding all the matters that have been discussed in the preceding paragraphs.

Insure Savings does not sell, trade, or rent your personal information to others. We may choose to do so in the future with trustworthy third parties, but you can advise us not to by sending an e-mail to Agent@InsureSavings.com

YOUR CONSENT

By using our Website, you consent to the collection and use of this information by Insure Savings. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it and under what circumstances we disclose it.

Insure Savings
2502 Morningside Rd
Long Lake, MN 55356
www.InsureSavings.com

Last updated: 12/3/2014