|
|
LEGAL NOTICES
|
|
Allen Financial
Insurance Group, Inc. ("AFIG")
Online Terms And Conditions Of Usage. Thank you for visiting the
AFIG Web site and reviewing our legal policies, including our terms and
conditions of use, privacy policy and intellectual property rights policy.
Your privacy is of great importance to us and our Website has been
developed with that in mind. We recognize your right to know what
information is being collected about you and how that information will be
used, as well as our legal obligations to limit collection and protect
what we do collect. It is important to read the following terms of use.
Your use of this Website constitutes your agreement to abide by these
terms.
1. The AFIG Website is created and designed for the purpose of
communicating general information with users of the Internet by electronic
means.
2. The AFIG Website should not be relied upon for on-line technical
assistance or any other emergency services and is in no way designed to
serve as an alternative to the technical support services provided by AFIG
or independent third-party technical support services.
3. EQGROUP.COM, The Equestrian Group and The Equestrian Group
Logo are all service marks and/or copyrights owned by Allen Financial
Insurance Group, Inc., ALL RIGHTS RESERVED. All materials published on
this website are protected by copyright, and owned or controlled by the
AFIG, or the party listed as the provider of the content, software or
other materials.
4. AFIG reserves the right to modify, update or alter these Terms
of Use at any time. Your continued use of the website constitutes your
agreement to comply with such modifications. You may not advertise or
solicit on these pages without AFIG's express written permission. This
publication is distributed internationally and may contain references to
AFIG products, programs and services that have not been announced in your
country. These references do not imply that AFIG intends to announce such
products, programs or services in your country.
5. Communications made through this website's e-mail and messaging
system shall in no way be deemed to constitute legal notice to AFIG or any
of its agencies, officers, employees, agents, or representatives, with
respect to any existing or potential claim or cause of action against AFIG
or any of its agencies, officers, employees, agents, or representatives,
where notice to the AFIG is required by contract, or any federal, state or
local laws, rules, or regulations.
6. This website may be used as intended by AFIG for its authorized
purposes. Unauthorized use or modification of any information stored on
this website may result in criminal and/or civil prosecution under
Federal, State, and local law. AFIG and its agents may monitor and audit
the usage of this system, and all persons are hereby notified that use of
this system constitutes consent to such monitoring and auditing.
7. UNAUTHORIZED COPYING, REPRODUCTION, REPUBLISHING, UPLOADING,
DOWNLOADING, POSTING, TRANSMITTING OR DUPLICATING ANY OF THE MATERIAL IS
PROHIBITED. You may download or copy any downloadable materials displayed
on the website for the specified uses only, provided that you maintain all
copyright, trademark and other notices contained in such material and you
agree to abide by all additional copyright notices, information or
restrictions contained in any material accessed through the website.
Commercial use, copying, or unauthorized distribution of the website
materials is prohibited without the prior written permission of AFIG.
Except as may be otherwise indicated in specific documents within this
publication, you are authorized to view, copy, print, and distribute
documents within this publication, subject to your agreement that:
|
1. Your use is for
informational and noncommercial purposes only;
2. You will not modify the
documents or graphics;
3. You will not copy or
distribute graphics separate from their accompanying text, nor will
you quote materials out of their context;
4. You will display the
above copyright notice and retain any other copyright and other
proprietary notices on every copy you make; You acknowledge that
AFIG has not conferred upon you by waiver, estoppel or otherwise,
any license or right under any patent, trademark or copyright
(except as expressly provided above). You agree that AFIG shall free
to use any ideas, concepts or techniques contained in your response
for any purpose whatsoever including, but not limited to,
developing, manufacturing and marketing products incorporating such
ideas, concepts or techniques.
|
8. You shall not restrict or inhibit any other user from using and
enjoying any service conducted on this website, nor shall you upload,
transmit, distribute or otherwise publish on the website (i) any unlawful,
threatening, abusive, defamatory, obscene, vulgar, pornographic, profane
or indecent materials; (ii) any materials which infringe any intellectual
property right of any third party or advertise or otherwise solicit funds
or is a solicitation for goods and services; or (iii) any materials
containing a computer virus or other harmful component. While AFIG has no
obligation to monitor the website and is not responsible for the content
of any messages, information or files transmitted on the website, AFIG
reserves the right to delete, move, edit, refuse to post or take other
appropriate action with respect to such messages, information or files
which AFIG, in its sole discretion, deems objectionable or otherwise in
violation of these Terms of Use.
9. The information provided on this Site, and links to other
related websites, are provided as a courtesy to AFIG website visitors
only, and are in no manner an endorsement, recommendation or approval of
any person, any product or any service contained on any other Website.
AFIG recognizes the importance of protecting the information that we
collect from customers during the process of registering for a service,
product, newsletter,or membership area in the AFIG website. It is our
policy to use the information we acquire through the registration process
or through user postings at our sites for internal business uses only, and
we maintain appropriate security measures to keep this information
private. Gathering this information helps us develop websites and products
to meet your needs. You should be aware that personal information--such as
your name or e-mail address--that you voluntarily disclose are accessible
to other users could be collected and disclosed by others. AFIG cannot
take any responsibility for such collection or disclosure. By accessing
this website, you also agree to allow us to send you communications or
emails offering products, goods, services or other valuable information.
10. AFIG is neither responsible nor liable for any viruses or other
contamination of your system nor for any delays, inaccuracies, errors or
omissions arising out of your use of the website or with respect to the
material contained on the website, including without limitation, any
material posted on the website. THIS WEBSITE AND ALL MATERIALS CONTAINED
ON IT ARE DISTRIBUTED AND TRANSMITTED "AS IS" WITHOUT WARRANTIES OF ANY
KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES
OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OF FITNESS FOR A
PARTICULAR PURPOSE. AFIG IS NOT RESPONSIBLE FOR ANY SPECIAL, INDIRECT,
INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE FROM THE USE OF, OR THE
INABILITY TO USE, THE WEBSITE AND/OR THE MATERIALS CONTAINED ON THE
WEBSITE, WHETHER THE MATERIAL IS PROVIDED BY AFIG, OR A THIRD PARTY.
11. AFIG operates this website from its office in Maricopa County,
Arizona and makes no representations that materials in this website are
appropriate or available for use in other locations. If you access this
website from other locations, you do so at your own risk and are solely
responsible for compliance with any and all applicable laws, rules and
regulations. The display of this website alone, by AFIG, does not subject
AFIG to any specific jurisdiction.
12. This Agreement shall be governed by, construed and enforced in
accordance with the laws of the State of Arizona as applied to
agreements made and to be performed entirely therein. Any action brought
to enforce the Agreement or in connection with this website shall be
brought in either the state or federal courts in Maricopa County,
Arizona. PRIVACY STATEMENT: Our Internet privacy policy is: You do not
have to give us personal information to visit our site. We collect
personally identifiable information (name, email address, or other unique
identifier) only if specifically and knowingly provided by you. In some
cases, the personally identifiable information you provide will be used to
merely respond to your electronic inquiry and will not be maintained. If
we ask you to provide personally identifiable information in order to take
advantage of AFIG' services and we maintain that information, you agree to
be bound to this Privacy Act statement before transmission of your
information to us. In this statement we advise you of the purposes for
collecting the information and the potential uses of it. Information is
commonly collected for statistical purposes and AFIG sometimes performs
analyses of user behavior in order to measure customer interest in the
various areas of our site. We will disclose this information to third
parties only in aggregate form. Further, AFIG uses cookies (a file placed
on your hard drive by a Web site that allows it to monitor your use of the
site) for limited purposes that enable your use of and improve the
functionality of our Web site. Information collected and stored
automatically If you do nothing during your visit but browse through the
website, read pages, or download information, we will gather and store
certain information about your visit automatically. This information does
not identify you personally.
We automatically collect and store only the following information
about your visit:
1. The Internet domain (for example, "xcompany.com" if you use a
private Internet access account, or "yourschool.edu" if you connect from a
university's domain) and IP address (an IP address is a number that is
automatically assigned to your computer whenever you are surfing the Web)
from which you access our Web site;
2. The type of browser and operating system used to access our
site;
3. The date and time you access our site;
4. The pages you visit; and
5. If you linked to the eqgroup.com Web site from another Web
site, the Internet address of that Web site. We use this information to
help us make our site more useful to visitors, to learn about the number
of visitors to the different sections of our site, what information is of
most and least interest, and technical information that will enhance ease
of use, such as, the types of technology our visitors use and system
performance or problem areas. Information collected from emails and
on-line forms. Some of our Web pages allow you to send us an
email.
If your email message includes personally-identifying information,
for example, in an electronic mail message containing an inquiry, we will
use that information to respond to your inquiry. In addition, in some
cases, it may be used to send you follow-up information about postal
products and services in which you have expressed an interest. Remember
that e-mail is not necessarily secure against interception. If your
communication is very sensitive, or includes information such as your bank
account, charge card, or social security number, you should send it by
mail unless our Web site indicates the particular site is secured.
Security -- Detection of unauthorized intrusions. For site security
purposes and to ensure that this service remains available to all users,
our computer system employs software programs to monitor network traffic
to identify unauthorized attempts to upload or change information, or
otherwise cause damage. Except for authorized law enforcement
investigations, no other attempts are made to identify individual users or
their usage habits. Significant actions when information enters a System
of Records. Some of our websites allow you to purchase products and
services or request information electronically. In those instances, we
will collect the information needed to fulfill your order or request, just
as though your order or request had been made on paper. That information
will be maintained and protected in accordance with the Privacy Act, 5
U.S.C. 552a, which means that if you have sent it in a secured manner, it
will be secured in transit to us and once received.
Before transmitting the information to us, you will be given a
Privacy Act statement similar to this statement that tells you the purpose
for collection and the potential disclosures that may be made of the
information you provide. We will let you know those circumstances in which
it may be necessary to make a disclosure, such as to a government agency
for law enforcement or other official need.
|
PRIVACY
POLICY
THANK YOU for
visiting the Allen Financial Insurance Group Web site and reviewing our privacy policy.
Your privacy is of great importance to us and our Web site has been
developed with that in mind. We recognize your right to know what
information is being collected about you and how that information will be
used, as well as our legal obligations to limit collection and protect
what we do collect.
PURPOSE
OF THIS NOTICE
Title V of the Gramm-Leach-Bliley
Act (GLBA) and the laws of the State of Arizona generally prohibit us
from sharing nonpublic personal information about you with a third party
unless we provide you with this notice of our privacy policies and
practices describing the type of information that we collect about you and
the categories of persons or entities to whom that information may be
disclosed. In compliance with the GLBA and Arizona law, we are
providing you with this document, which notifies you of the privacy
policies and practices of Allen Financial Insurance Group, Inc.
OUR PRIVACY POLICIES AND PRACTICES
1.
PERSONAL INFORMATION COLLECTED FROM OR ABOUT YOU
We
collect nonpublic personal information about you from the following
sources: · Information that you provide us on applications and other forms
such as your name, address, phone number and insurance coverage
information. · Information about your transactions with us and our service
providers and from the insurance companies we contact to underwrite your
insurance. · Information we receive from the Department of Motor Vehicles,
inspection services or other consumer reporting agencies. · Information
contained in medical records or from medical professionals that is related
to insurance claims. · We may collect nonpublic personal information from
individuals other than those proposed for coverage. We use the information
we collect to issue and administer insurance policies, process insurance
benefits and claims, and provide services we think may be of interest to
you. We also use the information as otherwise required or permitted by
Federal or State law. We reserve the right to release information to
others if needed to transact or effect an insurance
transaction.
2. SHARING INFORMATION GATHERED
We do not disclose information about you to third parties
whose only use of the information is to market a product or service.
However, we may share information about you in the normal business of
conducting insurance operations, such as providing you with an insurance
quote, processing, servicing, and administering your insurance policy and
your claims. We are permitted by law to share information about you when
you become a customer or claimant with, for example: · A third party if
the disclosure will enable that party to perform a business, professional
or insurance function for us; · A third party that performs services for
us, such as actuarial studies, appraisals, audits, claims investigations,
inspections, reinsurance, or for the detection of fraud or
misrepresentations; · Any of our affiliated companies; · A medical care
institution or medical professional in order to verify coverage or
benefits, or conduct an audit that would enable us to verify treatment; ·
Insurance regulatory authorities and reporting agencies; · The Arizona
Department of Insurance, other regulatory authority, law enforcement
agencies or other governmental authorities in order to protect our
interests in preventing or prosecuting fraud, or if we believe that you
have conducted illegal activities; · Persons or organizations conducting
insurance actuarial or research studies, subject to appropriate
confidentiality agreements; and · As otherwise permitted or required by
law.
3. PROTECTING INFORMATION GATHERED
We restrict access to nonpublic personal information about you to
those employees, agents and companies who need to know that information to
provide products or services to you and to conduct our internal
operations. This information is kept internal to Allen Financial Insurance
Group, Inc. except when required or permitted by law and is not
available to the general public. We maintain physical, electronic and
procedural safeguards that comply with applicable regulations to guard
your nonpublic personal information. Allen Financial Insurance Group,
Inc. retains the information collected for as long as required by law or
regulation.
4. YOUR RIGHT TO ACCESS AND AMEND YOUR
PERSONAL INFORMATION
You have the right to request
access to the personal information that we record about you. Your right
includes the right to know the source of the information and the identity
of the persons, institutions or types of institutions to whom we have
disclosed such information within 2 years prior to your request. Your
right includes the right to view such information and copy it in person,
or request that a copy of it be sent to you by mail (for which we may
charge you a reasonable fee to cover our costs). Your right also includes
the right to request corrections, amendments or deletions of any
information that is in our possession. The procedures that you must follow
to request access to or an amendment of your information are as follows:
To obtain access to your information: You should submit a request in
writing to Allen Financial Insurance Group, Inc., Attn: Legal Department,
P.O. Box 9957 Phoe. The request should
include your name, address, social security number, telephone number,
policy or account number, and the recorded information to which you would
like access. The request should state whether you would like access in
person or a copy of the information sent to you by mail. Upon receipt of
your request, we will contact you within 30 business days to arrange
providing you with access in person or the copies that you have requested.
To correct, amend, or delete any of your information: You should submit a
request in writing to Allen Financial Insurance Group, Inc., Attn: Ron
Chamberlain, 3 Whatney, 2nd Floor, Irvine, CA 92618. The request should
include your name, address, social security number, telephone, number,
policy or account number, the specific information in dispute, and the
identity of the document or record that contains the disputed information.
Upon receipt of your request, we will contact you within 30 business days
to notify you either that we have made the correction, amendment or
deletion, or that we refuse to do so and the reasons for the refusal,
which you will have the opportunity to challenge.
4. 5.
OUR POLICY REGARDING DISPUTE RESOLUTION
Any
controversy or claim arising out of or relating to our privacy policy, or
the breach of our privacy policy, shall be settled by arbitration in
accordance with the rules of the American Arbitration Association, and
judgment upon the award rendered by the arbitrator(s) may be entered in
any court having jurisdiction over the dispute.
4. 6.
RESERVATION OF RIGHT TO DISCLOSE INFORMATION IN UNFORESEEN
CIRCUMSTANCES:
In connection with the potential sale
or transfer of its interests, Allen Financial Insurance Group, Inc. and
its affiliates (if any), reserve the right to sell or transfer your
information (including but not limited to your name, address, age, sex,
zip code, state and country of residency, and other information that you
provide through other communications) to a third party entity that (1)
concentrates its business in a similar practice, product or service; (2)
agrees to be Allen Financial Insurance Group, Inc.'s successor in
interest with regard to the maintenance and protection of the information
collected; and (3) agrees to the obligations of this privacy statement.
©1971-2001 Allen Financial Insurance
Group, Inc. All rights reserved.
|
|
