Privacy Policy for Edgewater Insurance Group LLC

Effective 11/06/2024

Edgewater Insurance Group LLC ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and protect your personal information when you visit our website [www.edgewaterinsurancegroup.com] (the "Site"). By using the Site, you agree to the terms of this Privacy Policy.

1. Information We Collect

We collect two types of information: Personal Information and Non-Personal Information.

a. Personal Information

Personal information is any information that can identify you as an individual. We may collect the following types of personal information when you interact with our Site:

  • Contact Information: Name, email address, phone number, mailing address.

  • Insurance Information: Information related to the type of insurance products you inquire about, including but not limited to policies, claims, and coverage details.

  • Account Information: Username, password, and other details you may provide when creating an account or filling out a form on our Site.

  • Payment Information: Credit card or payment information when making a payment for insurance services (processed securely via third-party payment processors).

b. Non-Personal Information

Non-personal information does not identify you personally and includes data such as:

  • Browser type, IP address, and device information.

  • Cookies and tracking technologies (e.g., usage data, browsing patterns, etc.).

  • Referring websites and pages viewed on the Site.

2. How We Use Your Information

We use your personal information to:

  • Provide you with insurance quotes, policy information, and other related services.

  • Respond to your inquiries, requests, and support needs.

  • Process payments for insurance policies.

  • Personalize your experience on the Site and provide you with content tailored to your interests.

  • Communicate important updates about your insurance policies, our services, or the Site.

  • Comply with legal, regulatory, and contractual obligations.

We may use non-personal information for:

  • Improving the functionality and performance of the Site.

  • Analyzing usage trends to enhance user experience.

  • Conducting marketing and promotional efforts (without identifying individual users).

3. How We Share Your Information

We respect your privacy and will never sell or rent your personal information to third parties. However, we may share your information in the following circumstances:

a. Service Providers

We may share your personal information with third-party service providers who perform functions on our behalf, such as payment processors, email marketing services, and web hosting providers. These parties are obligated to protect your data and are not allowed to use it for purposes other than fulfilling the services for which they were contracted.

b. Legal Compliance

We may disclose your personal information when required by law, legal process, or governmental request (such as in response to subpoenas, court orders, or regulatory inquiries).

c. Business Transfers

In the event of a merger, acquisition, or sale of assets, your personal information may be transferred as part of that transaction. We will notify you of any change in ownership or control of your personal data.

4. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our Site. Cookies are small text files stored on your device that help us remember your preferences, analyze usage patterns, and personalize content. You can control cookie settings through your browser, but disabling cookies may affect your ability to access certain features on the Site.

5. Data Security

We implement reasonable security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Your Rights and Choices

You have the following rights concerning your personal information:

  • Access: You can request to access the personal information we hold about you.

  • Correction: You can update or correct any inaccurate personal information.

  • Deletion: You can request the deletion of your personal information, subject to legal or contractual obligations.

  • Opt-Out: You can opt-out of receiving marketing communications from us by following the instructions in the email or by contacting us directly.

To exercise your rights, please contact us using the information provided below.

7. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the privacy practices or the content of these external sites. We encourage you to read the privacy policies of any third-party sites you visit.

8. Children's Privacy

Our services are not intended for individuals under the age of 13, and we do not knowingly collect personal information from children. If we learn that we have collected personal information from a child under 13, we will take steps to delete such information as soon as possible.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we make changes, we will update the "Effective Date" at the top of this page. We encourage you to review this Privacy Policy periodically for any updates.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us.

By using our website, you consent to this Privacy Policy and agree to its terms.

Terms of Use for Edgewater Insurance Group LLC

Effective 11/06/2024

These Terms of Use ("Terms") govern your access to and use of the website of Edgewater Insurance Group LLC ("we," "us," or "our"), located at [www.edgewaterinsurancegroup.com] (the "Site"). By accessing or using the Site, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, you should not use the Site.

1. Acceptance of Terms

By using the Site, you agree to these Terms of Use, along with any other policies, guidelines, or rules incorporated by reference. We reserve the right to update or modify these Terms at any time, and such changes will become effective when posted on this page. Please check this page periodically for updates. Your continued use of the Site after any changes to these Terms constitutes your acceptance of those changes.

2. Use of the Site

You may use the Site for lawful purposes only and in accordance with these Terms. You agree not to use the Site:

  • In any way that violates any applicable local, state, national, or international law or regulation.

  • To impersonate any person or entity or falsely state or misrepresent your affiliation with any person or entity.

  • To interfere with or disrupt the functioning of the Site or servers connected to the Site.

  • To transmit any harmful, unlawful, or objectionable content, including but not limited to viruses, malware, or any material that disrupts the operation of the Site.

3. Eligibility

To use the Site, you must be at least 18 years old and have the legal capacity to form a binding contract. If you are using the Site on behalf of a company or organization, you represent that you have the authority to bind the organization to these Terms.

4. Account Registration

Certain features of the Site may require you to create an account. If you choose to register for an account, you agree to provide accurate, current, and complete information about yourself as prompted by the registration form. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

If you believe your account has been compromised or there is any unauthorized use of your account, you agree to notify us immediately at [insert contact email/phone].

5. Insurance Services and Information

The Site may provide information about insurance products and services, including quotes, policy details, and other related information. All such information is provided for informational purposes only. Any insurance coverage, quotes, or policies provided through the Site are subject to the terms and conditions of the respective insurance providers and applicable laws.

We do not guarantee the accuracy, completeness, or suitability of any information or advice provided on the Site. You should always consult directly with an insurance professional or representative for specific advice or inquiries regarding your insurance needs.

6. Intellectual Property

The content on the Site, including but not limited to text, images, logos, graphics, videos, software, and other materials, is the property of Edgewater Insurance Group LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, distribute, or display any content from the Site without our express written permission, except as allowed for personal, non-commercial use in accordance with these Terms.

7. Third-Party Links

The Site may contain links to third-party websites, services, or resources that are not owned or controlled by Edgewater Insurance Group LLC. We are not responsible for the content, privacy policies, or practices of any third-party sites. We encourage you to review the terms of use and privacy policies of any third-party websites you visit.

8. Disclaimers

The information on the Site is provided "as is" and without warranties of any kind, either express or implied. We make no representations or warranties regarding the accuracy, completeness, reliability, or availability of the Site or its content.

To the fullest extent permitted by law, Edgewater Insurance Group LLC disclaims all warranties, express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

9. Limitation of Liability

In no event shall Edgewater Insurance Group LLC, its affiliates, partners, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business, arising from your use of the Site or inability to use the Site, even if we have been advised of the possibility of such damages.

Our total liability for any claim under these Terms, whether in contract, tort, or otherwise, shall not exceed the amount you paid, if any, to access the Site in the twelve (12) months preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless Edgewater Insurance Group LLC, its affiliates, directors, officers, employees, agents, and third-party service providers from any claims, damages, liabilities, costs, and expenses (including attorneys’ fees) arising out of or relating to:

  • Your use of the Site.

  • Your violation of these Terms.

  • Any content you submit to the Site.

11. Termination

We may suspend or terminate your access to the Site at any time, without notice, for any reason, including but not limited to your violation of these Terms. Upon termination, you must immediately cease using the Site and destroy any materials obtained from the Site.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the state of [Insert State], without regard to its conflict of law principles. Any legal action or proceeding arising out of or related to these Terms shall be brought in the courts located in [Insert County, State], and you consent to the jurisdiction of such courts.

13. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect. The invalid or unenforceable provision will be modified to the minimum extent necessary to make it enforceable.

14. Entire Agreement

These Terms, along with our Privacy Policy and any other legal notices or agreements published on the Site, constitute the entire agreement between you and Edgewater Insurance Group LLC regarding your use of the Site.

15. Contact Information

If you have any questions or concerns regarding these Terms of Use, please contact us.

By using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.