Copyrights, Disclosures, and Disclaimers
Authorization of Use
Simplified Benefits hereby authorizes any person to access this Website
for informational purposes only. Simplified Benefits reserves the
right to terminate access to this Website at any time without
notice. The data, information and material included in this Website is copyrighted by Simplified Benefits. All rights are reserved
under the copyright laws of the United States of America. No part
of this Website can be redistributed, copied or reproduced without
the prior written consent of Simplified Benefits.
No Warranties
The user of this Website assumes all responsibility and risk
for the use of this Website and the Internet generally. Simplified Benefits, and its affiliated companies disclaim all warranties,
representations or endorsements, expressed or implied, with regard
to the data, information and material included in, or accessible
from, this Website or the Internet, including, but not limited
to, all implied warranties of merchantability, fitness for a particular
purpose or noninfringement. Simplified Benefits and its affiliated
companies have the right to discontinue, change or update any data,
information or material included in the Website without prior notice,
and they do not assume any legal liability or responsibility for
the accuracy, completeness or usefulness of any data, information
or material included in, or accessible from, this Website. No advice
or information given by Simplified Benefits or its affiliated
companies shall create any warranty. Neither Simplified Benefits nor its affiliated companies warrants that the data, information
and material included in the Website or on the Internet will be
uninterruptible or error free or that any data, information, software
or other material accessible from this Website is free of viruses
or other harmful components. Several of our pages describe various
insurance products. The availability of a specific product may
differ from state to state. The product descriptions are general
in nature and the insurance coverage’s are subject to the
specific terms of the actual policies issued. If you are interested
in the terms and conditions of a specific product, please contact
us for additional information.
Disclaimer of Liability
In no event shall Simplified Benefits or its affiliated companies be
liable for any compensatory, special, direct, incidental, indirect,
or consequential damages, exemplary damages or any damages whatsoever
resulting from loss of use, data, information or profits arising
out of or in connection with the use or performance of the data,
information or material included in this Website or on the Internet
generally or on any other basis.
Disclaimer for Links
Although this site includes links providing direct access to other
Internet sites, Simplified Benefits and its affiliated companies take
no responsibility for the content or information contained on those
other sites, and does not exert any editorial or other control
over those other sites.
Electronic Communications
Simplified Benefits will not be deemed to have accepted any electronic
communication unless Simplified Benefits provides the sender of the
electronic communication with an acknowledgment verifying receipt
of the communication. If Simplified Benefits sends any electronic communication,
Simplified Benefits will assume the communication was received intact
by the intended recipient. The recipient of such message must notify
Simplified Benefits if the transmission was not received or was not
received in a readable format.
Security
Despite the security measures taken by Simplified Benefits,
there is an inherent risk in disclosing personal information over
the Internet. Anyone electronically transmitting personal information
assumes the risk that such information may be disclosed or intercepted
by unintended third parties and Simplified Benefits disclaims
all liability resulting from such interception or disclosure. Anyone
who wishes to apply for an insurance quote who is concerned about
maintaining the security of their personal information may mail
the information to Simplified Benefits .
Privacy Statement
Simplified Benefits is committed to protecting your privacy as a visitor
to this Website and as our customer. To our visitors and to our
customers, we offer this pledge:
Simplified Benefits is the owner of the information, which is collected
on this Website. We will not sell, disseminate, disclose, trade,
transmit, transfer, share, lease or rent any personally identifiable
information to any third party not specifically authorized by you
to receive your information except as we have disclosed to you
in this Privacy Policy.
Information Collection
We will ask you to provide your personal information to us when
you enroll for coverage and when you purchase an insurance policy
from us. We will also ask you to provide your personal information
to us when you send e-mail to us from this Website. When you enroll
for an insurance policy at Simplified Benefits, we will ask you to provide
your name, home address, mailing address, telephone number and
e-mail address. This information will be provided to the insurance
company when you purchase an insurance policy so they can establish
you as a policyholder. We will maintain a record of your information
at the offices of Simplified Benefits. so we can provide you with policyholder
service. The employees of Simplified Benefits are each required to sign
and acknowledge a Confidentiality And Nondisclosure Agreement.
Each employee has been instructed on maintaining the privacy of
each customer and the importance of protecting the customer's personal
information.
When you purchase an insurance policy from Simplified Benefits, you
will pay the premiums with your credit card or personal check.
If you use your credit card to pay the premium, your credit card
information is deleted from our records after your purchase has
been authorized. A transaction number will be provided to you on
your Binder Of Insurance. You may use this transaction number as
a reference to the credit card purchase. We do not keep a record
of your credit card information. If you pay the premium using your
personal check, we will keep a copy of your check in your file.
When you send us e-mail from this Website, you will provide us
with certain personally identifiable information including your
e-mail address.
Cookies
A cookie is a piece of data that is stored on a visitor's hard
drive while they are visiting this Website. We may utilize a short-lived
form of cookie when you visit this site. At Simplified Benefits,
a cookie is only used to identify one unique visitor from another
visitor during a particular session. A session is the period of
active site-use while that unique visitor is linked to our server.
We may use cookie technology during a session as a tool to carry
forward your input information during the enrollment process. This
enables the visitor to input their information once and have the
information appear later during the enrollment process. No personally
identifiable information is stored on the cookie. The cookie expires
and is deleted from the visitor's computer as soon as they close
their browser or if they are not actively browsing our Website
for more than 20 minutes. Should a previous visitor to our Website
return for a new session, they will be issued a new cookie and
in no way will they be recognized as a visitor from a previous
visit or session.
Third Party Links
This Website may contain links to third party Websites that
are not controlled by Simplified Benefits. These third party links
are made available to you as a convenience and you agree to use
these links at your own risk.
Please be aware that Simplified Benefits is not responsible for the
content of third party Websites linked to Simplified Benefits nor are
we responsible for the privacy policy or practices of third party
Websites linked to Simplified Benefits. Our Privacy Policy only applies
to information we collect from you while you are at and while you
are actively in a session with Simplified Benefits. If you should link
to a third party Website from Simplified Benefits, we strongly encourage
you to review and become familiar with that Website's privacy
policy.
Changes In Our Privacy Policy
We reserve the right to change this Privacy Policy without providing
you with advance notice of our intent to make the changes. If you
have any questions about our privacy policy, please feel free to contact
us.
Copyright
Simplified Benefits logo, and other marks, including the
names of various products and services described within and offered
by companies represented by Simplified Benefits and its subsidiaries
are service marks of these companies.
Permission to use, copy and distribute these materials without
fee is hereby granted, for non-commercial purposes, provided that
the material is unaltered and Simplified Benefits copyright notice appears
in all copies.
Use of this site shall be governed by and construed in accordance
with the laws of our state of business. without giving effect to
any principles of conflicts of laws. Any dispute concerning this
site shall be subject to the exclusive venue of a court of competent
jurisdiction in our state of business.
Should any provision of our terms and conditions be held invalid,
unlawful or for any reason unenforceable, then the invalid, unlawful
or unenforceable provision shall be severable from the remaining
provisions. Such invalid, unlawful or unenforceable provision shall
not affect the validity or enforceability of the remaining provisions.
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