Policies for Security, Privacy & Terms of Use

This policy sets forth the type of information InsureDirect.com collects from you via this website (the "Website"), the way we use such information, and the procedures we use to keep such information confidential. This policy also sets forth the terms and conditions of your use of the website and its content.

InsureDirect.com takes every reasonable precaution to protect our users' personal information. When users submit sensitive information via the InsureDirect.com website, their information is protected both online and off-line.


YOUR CONSENT
By using the Website, you consent to the collection and use of certain information in the manner we describe and agree to be bound by the terms of use as set forth herein.


NOTIFICATION OF CHANGES
The practices and policies contained in this Policy are subject to change at any time without prior notice. If we decide to change our policies, we will post those changes on this Website. Information collected before changes are made will be secured according to the Policy in place at the time such information is collected notwithstanding future changes to this Policy. The practices and policies in this Policy replace all previous notices or statements with respect to the same subject matter.


OPT-OUT OR TERMINATION OF USER ACCOUNTS
If users have opted out of all communication with the Website, or deleted/deactivated their account, InsureDirect.com will not contact such users again nor will their personal information ever be used by us in any manner.


CONTACT INFORMATION
If users have any questions or suggestions regarding our privacy policy, please contact us.


SECURITY
We are committed to preventing others from unauthorized access to the personal information you provide to us, and we maintain commercially reasonable procedures and technology designed for this purpose. The Website has reasonable technical and organizational security measures in place to protect the loss, misuse or alteration of information under our control. However, we cannot guarantee that unauthorized third parties will never be able to defeat those security measures or use your personal information for improper purposes.

When our registration/order form asks users to enter sensitive information, such as credit card number, that information is encrypted and is protected with SSL encryption. While on a secure page, such as our order form, the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to un-locked, or open, when users are just 'surfing'.

While we use SSL encryption to protect sensitive information online, we also do everything in our power to protect user-information off-line. All of our users' information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job (for example, our billing clerk or a customer service representative) are granted access to personally identifiable information. Finally, the servers that store personally identifiable information are in a secure environment.


THE INFORMATION WE COLLECT
We request information from the user on our secure order form. A user must provide contact information (such as name, email, and shipping address) and financial information (such as credit card number, expiration date). This information is used for billing purposes and to fill customer's orders. If we have trouble processing an order, the information is used to contact the user. This information is only shared with other companies who work on behalf of InsureDirect.com to provide a product or service to you. Unless we tell you differently, these companies do not have any right to use the personally identifiable information we provide to them beyond what is necessary to assist us. We may also use this information to inform you of additional goods and services about which you might be interested or to customize your experience and use of the Website.

We may ask you for personally-identifying information in connection with a promotion or survey. Any email you receive from us, or third parties authorized by you to send email, will contain additional opt-out or unsubscribe options in the email with instructions on how to unsubscribe from receiving future emails.

We may automatically gather general statistical information about our website and visitors, such as IP addresses, browsers, pages viewed, number of visitors, goods and services purchased, transactions completed, etc. To do this, we use action tags and cookies provided by our site analytics and marketing partners. Although these partners log the information coming from our site on our behalf, we authorize how that data may and may not be used.


CHILDREN UNDER 13
We do not knowingly collect or use personal information from children under 13 without containing verifiable consent from their parents. We have no way of distinguishing the age of individuals who address our website, and so we carry out the same Privacy Policy for individuals of all ages. If a child has provided us with personal information without parental or guardian consent, the parent or guardian should contact us to remove the information and opt out of promotional opportunities. For more information about the Children's Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov.


LOG FILES
Like most standard website servers, we use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user's movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc. are not linked to personally identifiable information.


UNSOLICTITED IDEAS
We welcome feedback, questions and comments about our products, services and this Website. As a general policy, we do not accept unsolicited ideas for products or services through this Website. All communications and other materials (including, without limitation, unsolicited ideas, photographs, drawings, suggestions, or materials) you send to this Website by e-mail or otherwise are and shall remain the sole and exclusive property of InsureDirect.com and may be used by us for any purpose whatsoever, commercial or otherwise, without compensation to you.


INTELLECTUAL PROPERTY
InsureDirect.com is the exclusive owner and or licensee of the content, products and services ("Content") offered on the InsureDirect.com website and retains all proprietary rights in and to such Content, including all copyrighted material, trademarks, and other proprietary information of InsureDirect.com, and its licensors. Except for that information which is in the public domain or for which you have been given written permission, you may not copy, modify, publish, transmit, distribute, perform, display, or sell any such proprietary information.


COPYRIGHT INFRINGEMENT POLICY FOR CLAIMS UNDER THE DMCA
If you believe that any Content has been copied and posted on the InsureDirect.com website by InsureDirect.com or any third party in a manner that constitutes copyright or trademark infringement, please provide our Copyright Agent with the following information: an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; a description of the copyrighted work that you claim has been infringed; a description of where the material that you claim is infringing is located on the Website; your address, telephone number, and email address; a written statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf. InsureDirect.com's Copyright Agent for notice of claims of copyright infringement under the DMCA can be reached as follows:

InsureDirect.com
Customer Service
618 South Broad Street
Lansdale, Pa 19446


LIMITATION OF LIABILITY AND LIABILITY DISCLAIMER
INSUREDIRECT.COM AND ITS AGENTS, REPRESENTATIVES, PARTNERS, SUPPLIERS OR LICENSORS SHALL NOT BE LIABLE TO YOU FOR AND DAMAGES OR LOSS ARISING FROM YOUR USE OF THE SERVICES, INCLUDING WITHOUT LIMITATION TO INCIDENTAL, CONSEQUENTIAL, OR OTHER INDIRECT DAMAGE, WHETHER BASED ON TORT, BODILY INJURY, DEATH, LOST REVENUE OR OTHERWISE, REGARDLESS OF WHETHER INSUREDIRECT.COM WAS ADVISED OF THE POSSIBILITY OF SUCH LOSSES IN ADVANCE AND NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED OR EXCLUSIVE REMEDY OF ANY KIND. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, INSUREDIRECT.COM'S LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER, AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO INSUREDIRECT.COM FOR THE SERVICES. ON BEHALF OF ITSELF, ITS PARTNERS, LICENSORS AND SUPPLIERS, INSUREDIRECT.COM DISCLAIMS ANY AND ALL LIABILITY FOR SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING BODILY INJURY OR DEATH) ARISING FROM OR RELATED THIS AGREEMENT OR YOUR USE OF ANY SERVICES.


INDEMNIFICATION
You hereby agree to indemnify and hold harmless InsureDirect.com, its subsidiaries, affiliates, officers, agents, licensors, partners and employees, from any loss, liability, claim, or demand, including reasonable attorney's fees, made by any third party due to or arising out of your use of the Website, Content and services in violation of this Agreement and/or arising from a breach of this Agreement.