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Disclaimer and Privacy Statement

Disclaimer and Privacy Statement

DISCLAIMER

THE MATERIAL AND INFORMATION IN THIS SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. INSURANCE ASSOCIATES, INC., AND ITS SUBSIDIARY, INSURANCE ASSOCIATES AGENCY, INC., (INSURANCE ASSOCIATES) DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. INSURANCE ASSOCIATES DOES NOT REPRESENT OR WARRANT THAT ANY OF THE INFORMATION PRESENTED ON ITS WEB PAGES, THIS WEBSITE OR ON THE INTERNET GENERALLY, WILL BE UNINTERRUPTED OR ERROR FREE, THAT ERRORS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER FROM WHICH IT IS ACCESSED ARE FREE FROM VIRUSES, WORMS, TROJAN HORSES OR OTHER HARMFUL COMPONENTS.

In no event shall Insurance Associates, a Marsh & McLennan Agency LLC Company be liable for any cost or damages (whether direct, indirect, special, incidental or consequential) arising out of or in connection with the use of, or the inability to use this website. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page of this website is distributed with the understanding that Insurance Associates, a Marsh & McLennan Agency LLC Company is not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly assumes no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.

INTELLECTUAL PROPERTY

Unless otherwise noted, the graphic images, buttons, layout, and text contained in this web site is the exclusive property of Insurance Associates, a Marsh & McLennan Agency LLC Company, or used with permission, and may not be copied or distributed, in whole or in part, without the express written consent of Insurance Associates, a Marsh & McLennan Agency LLC Company. Permission is granted to print copies of Insurance Associates, a Marsh & McLennan Agency LLC Company web pages, and to display and use these web pages with a computer solely for personal use.

HYPERLINKS

Insurance Associates, a Marsh & McLennan Agency LLC Company cannot guarantee that the hyperlinks, pointer or other linking functions (hyperlinks) set out on the sites will be accurate at the time of your access. Moreover, the sites pointed at by hyperlinks are developed and possibly maintained by persons over whom Insurance Associates, a Marsh & McLennan Agency LLC Company has no control. We cannot and do not monitor the sites linked to our pages on the Internet. Accordingly, Insurance Associates, a Marsh & McLennan Agency LLC Company assumes no responsibility for the content of any sites referenced to by any hyperlink or otherwise. Insurance Associates, a Marsh & McLennan Agency LLC Company believes that making hyperlinks available to publicly accessible web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet. You may not provide hyperlinks to this website without prior written consent of Insurance Associates, a Marsh & McLennan Agency LLC Company.

DATA PROTECTION

Insurance Associates, a Marsh & McLennan Agency LLC Company is committed to respecting the privacy of your personal information and considering current technology, has taken all reasonable measures to do so. Insurance Associates, a Marsh & McLennan Agency LLC Company is not obligated to monitor any transmission made through the respective web pages and newsgroups. However, Insurance Associates, a Marsh & McLennan Agency LLC Company has the right, but not the obligation, to monitor any transmission made to and for this website. Insurance Associates, a Marsh & McLennan Agency LLC Company may reproduce, use, distribute or disclose information transmitted to this site or collected through the use of this website. Such information shall be deemed to be non-confidential and that your communication may be read or intercepted by others. No obligation of any kind shall be attached to such information and that by transmitting information, no confidential, contractually implied or other relationship is created between you and Insurance Associates, a Marsh & McLennan Agency LLC Company.

SOFTWARE QUALITY

Insurance Associates, a Marsh & McLennan Agency LLC Company does not warrant that any information, software or other material accessible through Insurance Associates, a Marsh & McLennan Agency LLC Company web pages is free of viruses, worms, Trojan horses or other harmful component. Insurance Associates, a Marsh & McLennan Agency LLC Company assumes no responsibility and shall not be liable for any, direct, indirect, incidental or consequential damages that result from the use, access to, browsing in or downloading of any information, data, text, images or other material accessible through Insurance Associates, a Marsh & McLennan Agency LLC Company web pages, this website or the website of any linked third parties.

Privacy Policy

We Are Committed to Your Privacy
We have created this privacy statement in order to demonstrate our firm commitment to your privacy. The following discloses our information gathering and dissemination practices for this website.

Our Privacy Policies and Practices

Information We Collect
We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms.
  • Information about your transactions with us, our affiliates or others.
  • Information we receive from a consumer-reporting agency.

Information We May Disclose to Third Parties
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Non-Afiliated Third Parties to Whom Disclosures May be Made
We disclose nonpublic personal information about you only to non-affiliated third parties as permitted by law (e.g. to insurance carriers for underwriting purposes).

Our Practices Regarding Information in Unforeseen Circumstances
We restrict the access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Reservation of the Right to Disclose Information in Unforeseen Circumstances
In connection with the potential sale or transfer to its interests, MMA reserves the right to sell or transfer your information (including but not limited to your name, address, age, sex, zip code, state and country residency and other information that you provide through other communications) to a third party entity that (1) concentrates its business in a similar practice or service; (2) agrees to be MMA’s successor in the interests with regard to the maintenance and protection of the information collected; and (3) agrees to the obligations of this privacy statement.

Amendment to Privacy Notice and Privacy Policy
We reserve the right to amend, modify or change at any time for any reason, our privacy policies and the Privacy Notice. In any such events, we will provide an amended Privacy Notice to you.

Our Commitment to Transparency and Compliance

MMA prides itself on being an industry leader including in the area of transparency and compensation disclosure. We believe you should understand how we are paid and also understand the services we are providing for the compensation we receive.

We are committed to compensation transparency and to disclosing to you information that will assist you in evaluating potential conflicts of interest. Download our Disclosure Statement.

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