Terms and Privacy Policy

Terms and Conditions of Use

The following terms of use ("Terms of Use") govern the use of InsuranceCoveragePlus.com Web site (the "Site"). The Site is provided by InsuranceCoveragePlus.com (the "Site Proprietor" or "we"). If you do not agree to these Terms of Use, DO NOT access or otherwise use the Site. BY USING THIS SITE, YOU ACCEPT AND AGREE TO ALL TERMS OF USE AS APPLIED TO YOUR USE OF THIS SITE. From time to time we may change Terms of Use and at any time without notice to you, by posting such changes on the Site. By using the Site you agree to be bound by any such modifications to the Terms of Use.

You may only use the Site if you are domiciled in the United States and you are 18 years old or older.

SERVICES AVAILABLE ON THE SITE

The purpose of InsuranceCoveragePlus is to provide consumers with the ability to receive comparative insurance quotes from a nationwide network of insurance providers based on the information you have provided. Each Provider may have one or more companies with which they will provide you with the most competitive quote. Once you have provided us with the information needed, by adequately completing an appropriate online form, we will refer that information to Providers. The Providers will then contact you directly if they are able to provide you with a quotation for insurance coverage. It is possible that these Providers may ask for additional information they need to obtain an accurate quote.

InsuranceCoveragePlus is not an insurance company and does not issue insurance contracts or bind coverage. We do not endorse or advocate any companies or insurance policies and we do not provide insurance, tax or financial advice. We do not guarantee that any of the insurance providers to whom we may forward your information to will contact you or agree to provide you coverage. We are not responsible in any way, for the conduct of the insurance providers to whom we forward your insurance quote requests. We reserve all the rights to our Site contents, and may at our discretion change the contents of the Site, or restrict access to certain sections of the Site, or to discontinue any aspect of the Site, including, but not limited to content, features, hours of availability, without notice or penalty.

THERE IS NO CHARGE TO YOU FOR USE OF THE SITE.

USER INFORMATION

While using InsuranceCoveragePlus, you may be asked to provide, or choose to provide your own, information (hereinafter "User Information"). The User Information you submit is in order to receive insurance quotations and will not be used in any other manner, with the exception of testimonials, which may be used to advertise our Site. Please read our Privacy Policy before submitting your User Information. You acknowledge and agree that you are solely responsible for the accuracy and content of the User Information. We will not display, disclose, sell, refer, share or otherwise give access to your personal private User Information, except for the purpose of providing insurance quotes as set forth in the Terms of Use of this Agreement. We reserve the right to refuse to post or to remove any User Information, in whole or in part, that, in our view, are unlawful, unacceptable, undesirable, and inappropriate or is in violation of these Terms of Use.

Proprietary Rights.

Any and all content, code, data or materials of the Site used by you does not grant to you ownership on the Site and is owned by the Site Proprietor InsuranceCoveragePlus.com, which owns solely and exclusively, including but limited to, all rights, title interest, graphics, data, the look and feel, design and organization of the Site, and the compilation of the content, code, data and materials on the Site, including but not limited to all intellectual property and proprietary rights therein. Your rights are limited to viewing the content on the Site on your internet-compatible device and making single copies or prints of the content on the User Information displayed for your use solely for the purpose it was sent to you, and not for other commercial use. To use copy, reproduce, distribute or exploit any content, code, data or materials on the Site otherwise, may be in violation of copyright and other laws of the United States, as well as applicable state laws for such unauthorized use. Our trade name, trademarks, service marks and logo are copyright protected and are not to be used, copied or reproduced by anyone without the expressed and signed written agreement. Any third party’s marks, logos etc., which may appear on the Site are the property of their respective owners and cannot be used without their written consent.

User agrees that, the User Information referred to you by this Site shall not be used in any way other than intended. Your conduct with regards to persons whose information you received for the above expressed purpose shall not be used in an unlawful, threatening, harassing, tortuous, defamatory, vulgar, obscene, libelous, deceptive, fraudulent way. No material should be posted or transmitted to the Site that contain explicit, or graphic depictions of accounts of sexual nature (including language of a violent or threatening nature directed at another individual or group of individuals). Any act toward any person, whose information was obtained through this Site, including invasive, or hateful, behavior, or conduct, would constitute a criminal offense or give rise to criminal and civil liability. Any transmission to our Site or to that referred by the Site individual’s computer, that contain a virus or other harmful component, or false or misleading indications or statements of fact, will serve as cause of actions (including, but not limited to) immediate termination of the Provider relationships.

You also warrant and agree that you shall not: engage in spamming, flooding, harvesting of e-mail addresses or other personal information, "database spidering," or any other activity with the purpose other than expressed and agree to, or send chain letters. You agree that you will not use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site.
You agree to defend, indemnify and hold the Site Proprietor and its directors, officers, employees, agents and affiliates harmless from any and all claims, liabilities, costs and expenses, including reasonable attorneys’ fees, arising in any way from your misuse of the Site, your placement or transmission of any message, content, information, software or other materials through the Site, or your breach or violation of the law or of these Terms of Use.

DISCLAIMER OF WARRANTIES.

WE HEREBY DISCLAIM ANY WARRANTIES THAT, MAY EXPRESS OR IMPLY THAT THE SITE OR THE SERVICES, OR FUNCTIONS, CONTAINED THEREIN WILL BE TIMELY, SECURE, UNINTERRUPTED OR ERROR FREE. WHILE WE WILL ATTEMPT TO CORRECT ANY ERRORS OR DEFECTS OF THE SITE IN A TIMELY MANNER, NO GUARANTY OF: NON INTERRUPTION, DELIVERY OF EMAIL, OR ACCESS TO THE SITE AT ALL TIMES, WITHOUT ERRORS.. ALL THE SERVICES ON THIS SITE ARE PROVIDED "AS IS," AND "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ACCESS TO DATA, DATA PROCESSING FUNCTIONS, OR ACCURACY, USEFULNESS OF CONTENT, OR LOSS OF INFORMATION. YOU ARE RESPONSIBLE FOR MAINTAINING ALL USER SUBMITTED INFORMATION AND SHOULD RETAIN ALL SUCH DATA AND INFORMATION IN YOUR OWN RECORDS FOR USE IN THE EVENT THAT THE SITE FAILS OR ITS ACCESS IS UNAVAILABLE, OR THE DATA OR INFORMATION IS CORRUPTED OR LOST. WARRANTIES OF NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE ARE DISCLAIMED HEREBY. IF ANY TERM OR STATEMENT FOUND HEREIN MAKES YOU RELUCTANT OR DISSATISFIED WITH THE USE OF THE SITE, WE RECOMMEND TO EXIT AND TO DISCONTINUE USING THE SITE. WE DISCLAIM ANY AND ALL LIABILITY IN THE EVENT THE SITE PROPRIETOR/S OR ANY OF DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, OR PROVIDERS OF CONTENT OR A SERVICE ARE VIEWED LIABLE FOR ANY DIRECT, INDIRECT, CONTRIBUTIVE, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM, OR DIRECTLY OR INDIRECTLY RELATED TO USE OF, OR THE INABILITY TO USE THE SITE’S, OR ITS CONTENT, MATERIALS, FUNCTIONS OR APPLICATIONS, INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE, OR ANTICIPATED OR PERCEIVED PROFITS OR LOST BUSINESS OR LOST SALES.

Laws.

The Terms of Use and the relationship between you and us shall be governed by the laws of the State of New Jersey without regard to any conflict of legal provisions. You agree that any use of action that may arise under the Terms of Use shall be commenced and be heard in the appropriate court in the State of New Jersey and submit to the personal and exclusive jurisdiction of the courts located within the State of New Jersey. Our failure to exercise or enforce any right or provision of the Terms of Use shall not constitute a waiver of such right or provision. If any provision of the Terms of Use is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to consider the parties’ intentions as hereby reflected in the provision the Terms of Use, and other unaffected provisions to remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action by you arising out of or related to use of the Site or the Terms of Use must be filed by you within one (1) year after such claim or cause of action arose or be barred forever.

Privacy Policy

1. Collecting Information:

Personally Identifiable Information

The Site may request and collect certain personally identifiable information including, but not limited to, Application Data and other personal information contained in User Submissions, through various means such as online forms, online applications, e-mail and comments submitted to the Site. Such information collected through the Site may include financial information, health-related information, and other sensitive information.

Non-Personally Identifiable Information

We may also collect certain non-personally identifiable information via the Site, such as Site usage activity and preferences, also known as demographic or profile data.

Why must you give so much personal information?

Insurance companies determine their premiums by analyzing a variety of criteria. Since we deal with hundreds of companies, we must ask you questions required by all of them to determine the most competitive match for you.

NOTICE OF CONSUMER REPORT PRACTICES IMPORTANT: All proposed named insureds listed on this application must be made aware of the following:

In some cases, insurance companies may need to obtain additional background information about you. As an example Consumer reports may be ordered in connection with your insurance application. These reports provide information that may assist in determining your eligibility for insurance and the price you may be charged. Consumer reports may also be used for updates, renewals or extensions of this insurance. The insurance company may also obtain and use a credit-based insurance score based on information contained in your credit report. The insurance company may use a third party in connection with the development of the insurance score.

Site Technology

As with many Web sites, we may use “cookies” and/or other technology (e.g., web bugs, e-mail bugs, clear GIFs, web beacons and tracker GIFs) in the Site or in our communications with you to enhance the functionality of the Site and to make your transactions and other activities more convenient and efficient (collectively, “Tracking Technologies”). These technologies may vary, but in some cases may involve a small file stored locally on the computer used to access the Site, and may be used by us to store and collect information relating to your viewing and use of the Site and our correspondences with you. You may set your web browser software not to accept cookies, but, if so, certain functionality of the Site may be affected. We may collect your IP (Internet Protocol) address to help diagnose problems with our server, administer our Site and identify our users. We may also use such technologies to remember user preferences or minimize the need for you to re-enter information.

Third parties (including, but not limited to, software vendors, advertisers and fulfillment companies) may also use Tracking Technologies by or through the Site. We have no control over what information such third parties track or collect, and we have no responsibility or liability for any tracking, data collection or other activities of such third parties.

2. Usage and Sharing:

We use information collected on and through this Site for a variety of purposes in the course of business and as otherwise set forth herein. For example, such information may be used to process your applications to receive quotations or to send you information about our and our affiliates’ products and services and other information and materials that may be of interest to you. This information may also be used to evaluate what portions of the Site are more popular than others, determine where visitors came from, where they go, and how long they stay on a particular page, or the Site in general. We may match information collected from you through different means or at different times, and use such information along with information obtained from other sources, including third parties.

Application Data may be forwarded to insurance agents, discount program representatives, brokers and/or companies who may contact you with a quote by email, telephone, postal mail or other forms of communication. We are not responsible, and shall not be liable, if an agent, broker, discount program representative or company to whom we forward your Application Data violates our Privacy Policy or their own privacy policy, if any.

We may disclose your personal information to companies that perform technology or marketing services for us for their use in performing such services. We may transfer, sell or assign aggregate, non-personally identifiable information about Site usage to third parties. We may transfer, sell or assign personal information to third parties as a result of a sale of all or substantially all of our assets relating to this portion of our business or in connection with a merger, consolidation, change in control, reorganization or liquidation. We also reserve the right to disclose any information concerning you if required by law or to protect or defend our rights or the rights or well-being of our users or if you are involved (or are reasonably suspected to be involved) in any illegal activity, even without a subpoena, warrant or court order.

3. Opt-Out:

If you would like to opt not to receive promotional or marketing material from us in the future, please send an e-mail to contact@insurancecoverageplus.com. However, your option not to receive marketing and promotional material: (a) shall not prevent us from communicating with you, by e-mail or otherwise, regarding your existing or past relationship with us (e.g., your pending or past applications or our responses to questions or inquiries you pose to us), and (b) shall not prevent us, including our employees, contractors, agents and other representatives, from accessing and viewing your personal information in the course of maintaining and improving the Site.

4. Security:

The application form on the Site supports encryption to help protect the security of your transfer of data to the Site. Although we will take all reasonable security precautions regarding information stored on the Site, due to the open nature of the Internet, we cannot guarantee that any information stored on our servers, or transmitted to or from a user, will be free from unauthorized access, and we disclaim any liability for any theft or loss of, unauthorized access or damage to, or interception of any data or communications. By using the Site, you acknowledge that you understand and agree to assume these risks.

5. Consent to Processing:

By providing any personal information to this Site, you fully understand and unambiguously consent to the transfer of such personal information to, and the collection and processing of such personal information in, the United States and other countries or territories.
By submitting this information you are authorizing Brokers, Agents, discount program representatives and/or Insurance Professionals in the InsuranceCoveragePlus.com network to contact you directly with quotes via telephone, fax, and email, regardless of the presence of your phone number(s) on any local or national no-call list.

6. Links:

This Site may contain links or references to other Web sites outside of our control. Please be aware that we have no control over these sites and our privacy policy does not apply to these sites.

7. Your Acceptance of this Policy:

By using this Site, you signify your acceptance of our Privacy Policy. If you do not agree to this policy, please do not use our Site. We reserve the right, at our discretion, to change, modify, add, or remove portions from this policy at any time so visitors are encouraged to review this policy from time to time. Your continued use of our Site following the posting of changes to these terms means you accept these changes.
Should you have any other questions about our Privacy Policy, please contact us.