Privacy Policy

(Revision Date: 11/2011)

Welcome to AllWebHealthInsurance.com (the “Site”) and thank you for taking the time to read through our Privacy Policy. The Site and its affiliates highly value your relationship with us above all things and with that comes an obligation and a commitment to protect the privacy and security of your information. Protecting our visitors’ privacy and security is a top priority. For this reason, we have adopted the following strict Privacy Policy (“Policy”) and advise you of your choices regarding the use of your personal information online. By accessing and using this site, you agree to this Policy and the Terms of Service (“Agreement”) in following below.

Should we need to change our privacy policy or practices, we will post those changes to this privacy statement here and any other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this Privacy Policy at any time, so please review it frequently. The revision date at the top will help you quickly recognize if modifications have been made since your last visit.

This Policy only applies to the Site and does not apply to any other company, organization, or web site to which we may be linked and or that we do not own and operate. You should carefully review the privacy policies of that web Site in order to determine how they treat your personal information.

Personal Information may include your name, street and e-mail address, phone number, credit card number, social security number, marital status, date of birth, gender, occupation, education level, driver’s license number, prior insurance coverage, the Vehicle Identification Number, make, model and number of vehicles and drivers in your household, etc. (“Personal Information”). Examples of when we collect some Personal Information include:

Opt-In. When you take advantage of the services offered on our Site, you are deemed to have automatically agreed to allow to be contacted by virtue of the contact information you provide and you may automatically receive commercial and promotional mail and or email messages about new products, services, features offered by us and participating companies and affiliates as a result. A consumer may also opt-in by visiting those third parties’ Site. Any email sent by us or one of our affiliates will always include an opportunity to Opt-Out from receiving future mailings.

Opt-Out. If you do not wish to receive email from us, or our partners, you may Opt-Out by clicking on the “contact us” link at the top or bottom of our web site. Please be aware that each Interview is considered a new visitor session. This means that if you Opt-Out during the Interview you will not receive any email from us. However, if you begin a new Interview at a later time, unless you Opt-Out during or after that session, you may receive email from us.

How to Opt-Out. Every communication we send you will contain a clearly worded "Opt-Out" or "Unsubscribe" link allowing you to withdraw your permission for future e-mails.

Permission changes will be honored as soon as possible after receipt. Please allow seven to ten business days for processing. Permission changes will not affect any information which you previously provided to us and which we previously shared with our business partners.

Collection of Non-Personal Data: We gather non personally identifiable information (“Aggregate Data”) with respect to our visitors’ use of the Site to determine the extent to which our visitors use certain parts of the Site, which, in turn, enables us to make the Site as useful as possible. We may provide Aggregate Data about the use of our Site with quoting aggregators, participating insurance carriers and our business partners.

Cookies: We sometimes use a technology called "cookies" on the Site. Cookies are pieces of information that are sent to your browser from a web server and stored on your computer's hard drive for record-keeping purposes. Cookies collect technical data and identify your operating system and session ID. They can also save information you may have previously provided and help us quickly and easily recognize your computer when you return to the Site. Cookies are not linked to your Personal Information and do not identify anything personal about you.

How Can One Disable Cookies? Most browsers are initially set up to accept cookies. If you prefer, you can reset your browser to notify you when you've received a cookie or, alternatively, to refuse to accept cookies; however, this may limit your ability to take full advantage of the features offered on the site.

Web Beacons. We may also use web beacons, which allow our partners to place a cookie onto an end user’s computer when they visit one of our partner Sites so that when the end-user visits our Site, that cookie data is tracked by our partner and our partner can identify that the end-user achieved a certain milestone. This is a tracking concept used commonly on the Internet, also referred to as "pixel tracking."

Session ID. We may collect end-user data based off of a session ID. This helps us organize answers to questions. This convention allows for the use of an end-user’s session ID to see all of the end-user input for one quote.

IP Addresses. We may collect and analyze traffic on our Site by keeping track of the IP addresses of our visitors. IP addresses are unique numeric identifiers that are assigned to each computer browser accessing the Internet. An IP address, by itself, cannot identify you personally. However, when combined with other information provided by your Internet Service Provider (ISP), your IP address can be used to identify the computer originating a message.

Some of our business partners (e.g., advertisers and affiliates) use cookies on our Site. We have no access to or control over those cookies.

This Policy covers the use of cookies by the Site only and does not cover the use of cookies by any other advertisers.

Partners and Affiliates: Sometimes third party service providers, partners, advertisers, or other affiliates are retained or utilized by us and may have access to our visitors’ Personal Information. This information is required in order to generate accurate and bindable rates. Please be aware, while we take steps to protect third party use of Personal Information through agreements and restrictions on access to and use of such information, there is no means for us to police the activities of third parties’ use of Personal Information disclosed to them and thus we are not responsible for, and we disclaim liability incurred by and or through, such parties, as permitted by law.

Other Disclosures: We also reserve the right to disclose your Personal Information if we are required to do so by law or we believe that such action is necessary including, without limitation:

Electronic Security: The security of your Personal Information is important to us. When you provide Personal Information we encrypt the information by using advanced encryption technology known as Secure Socket Layer (SSL) to protect the transfer and storage of your Personal Information.

Physical Security. All access to Personal Information is restricted and protected. Humans are granted access on a need-to-know basis only. In addition, the servers on which we store Personal Information are kept in a secure environment. Our servers are operated from a dedicated Internet hosting facility with state-of-the-art physical security features, including smoke detection and fire suppression systems, motion sensors, and 24x7 secured access, as well as video camera surveillance and security breach alarms.

Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. Therefore, while we follow accepted industry standards and implement reasonable security practices to protect Personal Information; we cannot guarantee its absolute security.

California Residents. As of January 1, 2005, California Civil Code Section 1798.83 permits visitors of these Sites who are California residents to request certain information regarding disclosure of their Personal Information to third parties for direct marketing purposes. To make such a request, please send e-mail, or send a letter to the contact information listed on the “Contact Us” page.

Third Party Links: In some states, or for certain types of insurance requests we may provide links to insurance company, agency, or affiliate web Site. If you make any purchase from these third parties as a result of visiting our Site, that company may share your Personal Information with us regarding the product(s) purchased and related information but we will not then share that information with unaffiliated third parties. Please Note: when you purchase third party products and/or services from third party web Site, you become their customer and are subject to their privacy policies. We encourage you to review these companies' privacy policies and only do business with those who adhere to personal information practices with which you are comfortable.

Sale of Assets: If we are ever sold, acquired, merged, liquidated, reorganized, or otherwise transferred, we reserve the right to transfer our databases, together with any Personal Information or email address contained therein, to a third-party acquiring our company assets.

Please remember that your use of this Site is always subject to this Privacy Policy and our Terms of Service. Please take a moment to read the Terms of Service. If you have any questions or comments regarding this Site or any of our policies, please contact us via the contact information listed on the “Contact Us” page.

AllWebHealthInsurance.com - TERMS OF SERVICE

(Revision Date: 01/09)

Welcome to AllWebHealthInsurance.com (the “Site”) and thank you for taking the time to read through our Terms of Service. By using the Site, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree with any of these Terms of Service, please do not use the Site. AllWebHealthInsurance.com owns the Site and reserves the right to update or change these Terms of Service (“Agreement”) at any time and for any reason, without notice. By continuing to use the Site, you agree to be bound by any such revisions and should therefore periodically visit and print the latest version of this Agreement for your records.

THIS AGREEMENT INCLUDES:
1. Agreement to Contract Electronically
2. Links to Third Party Web Site
3. Registration
4. Intellectual Property
5. Rules of Conduct
6. User Materials License
7. Digital Millennium Copyright Act
8. Contests/Sweepstakes
9. No Warranty
10. Limitation of Liability
11. General Legal Provisions

1. AGREEMENT TO CONTRACT ELECTRONICALLY
You agree that this electronic Terms of Service Agreement, combined with your accessing and using either Site has the same legal force and effect as a written contract with your written signature and satisfies any laws that require a writing or signature. You agree not to challenge the validity, enforceability, or admissibility of this Agreement on the grounds that it was electronically transmitted or authorized. In addition, you acknowledge that you have had the opportunity to print this Agreement.

2. LINKS TO THIRD PARTY SITES
This Site contains links to third party web sites (“Third Party Sites”). AllWebHealthInsurance.com does not endorse and has no control over the content on Third Party Sites. AllWebHealthInsurance.com makes no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third Party Sites. You further acknowledge and agree that AllWebHealthInsurance.com is not responsible or liable, either directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with Third Party Site. Please take the time to read the privacy and security policies of these Third Party Site.

3. REGISTRATION
Certain portions of the Site may include services for which you must register to use the Site. Please refer to our Privacy Policy above for information about how AllWebHealthInsurance.com collects, uses and stores user information.

4. INTELLECTUAL PROPERTY
Ownership. The Site includes copyrights, trademarks, trade dress, service marks, logos, domain names, and other proprietary materials including, but not limited to, text, information, data, artwork, video, audio, images, graphics and software (collectively, the "Content"). AllWebHealthInsurance.com, its affiliates and third-party content providers own all right, title and interest in and to the Content. You acknowledge and agree that the Content and Site are protected by copyrights, trademarks, service marks, patents and other proprietary rights and laws. Except for the limited rights and licenses granted herein, nothing in this Agreement confers to you, whether by implication, estoppel or otherwise, any license, title, or ownership of or to the Site and/or Content.

Limited License. Subject to this Agreement, AllWebHealthInsurance.com grants you a limited right and license to use, on one personal computer, the content, materials, features, services, software and technology on this Site (collectively the "Content") solely for your personal, non-commercial use. No other use of the Content is authorized.

Restrictions. Except as expressly provided herein, you shall not: (i) use any portion of the Site, or any other intellectual property of AllWebHealthInsurance.com, on any other web site, in the source code of any other web site, or in any other printed or electronic materials; (ii)modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute or otherwise use any of the Site’s content or frame this Site within any other web site, without our prior written permission; (iii) reverse engineer, reverse assemble, decompile or otherwise attempt to discover any source code of the Site and/or the Content. AllWebHealthInsurance.com reserves the right to block your use of the Site and cancel any memberships or subscriptions for violation of any of these rules.

5. RULES OF CONDUCT
The Site may include areas that allow end-users to participate in forums such as chat rooms and message boards. AllWebHealthInsurance.com adopted the following rules of conduct in order to assure that end-users who participate in these forums do so in a lawful and appropriate manner. All information, email, text, graphics, software, messages or other materials (“User Materials”), whether publicly posted, or privately submitted, by end-users are the sole responsibility of the sender. You are solely responsible for any User Materials that you upload, transmit, post, send, email or otherwise make available via the Site. AllWebHealthInsurance.com is not liable for any User Materials or for any errors or omissions in User Materials or for any loss or damage incurred as a result of the use of any User Materials made available on the Site. AllWebHealthInsurance.com may, but is not obligated to, monitor User Material and reserves the right, in its sole discretion, to block, refuse or remove any User Material from the Site without notice.

The following conduct is prohibited on, or in connection with, the Site:

These rules of conduct are strictly enforced. Violations of these rules may result in the sender being blocked from use of the Site. AllWebHealthInsurance.com RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO DISCLOSE TO THIRD PARTIES, INCLUDING LAW ENFORCEMENT AUTHORITIES, RELEVANT INFORMATION ABOUT A COMMUNICATION, INCLUDING, BUT NOT LIMITED TO, THE SENDERS NAME, ACCOUNT INFORMATION, MEMBER AND COOKIE NUMBERS, TRANSMISSION DATA, PAST AND SUBSEQUENT SERVICE USE, AND ANY OTHER INFORMATION DEEMED NECESSARY BY AllWebHealthInsurance.com TO ADDRESS PAST VIOLATIONS OF THIS AGREEMENT AND/OR TO PREVENT FUTURE VIOLATIONS. THESE DISCLOSURES MAY BE MADE WITH OR WITHOUT PRIOR NOTICE TO SENDER. BY USING THE SITE, YOU IRREVOCABLY CONSENT TO SUCH DISCLOSURES.

6. USER MATERIALS LICENSE
By transmitting, posting, emailing, uploading or otherwise making User Materials available on or via the Site, you represent and warrant to AllWebHealthInsurance.com that you have all right, title and interest in and to such User Materials and grant AllWebHealthInsurance.com a perpetual, irrevocable, world-wide, royalty free, right and license to use the User Materials in connection with the Site and AllWebHealthInsurance.com’s services.

7. DIGITAL MILLENNIUM COPYRIGHT ACT
Pursuant to Title 17, United States Code, Section 512(c) (2), notifications of claimed copyright infringement should be sent to AllWebHealthInsurance.com's Designated Agent.

THE FOLLOWING INFORMATION IS PROVIDED EXCLUSIVELY FOR NOTIFYING THE DESIGNATED AGENT THAT YOUR COPYRIGHTED USER MATERIAL MAY HAVE BEEN INFRINGED. ALL OTHER INQUIRIES (e.g., REQUESTS FOR TECHNICAL ASSISTANCE OR CUSTOMER SERVICE, REPORTS OF EMAIL ABUSE), WILL NOT RECEIVE A RESPONSE THROUGH THIS PROCESS.

Written notification (“Notification”) must be submitted to the following Designated Agent:
Name of Agent Designated to Receive Notification Of Claimed Infringement:
Mr. Paul Riley, Esq. / Baker Botts LLP
Full Address of Designated Agent to Which Notification Should be Sent:
30 Rockefeller Plaza, 43 Floor, New York, NY 10112-4498

To be effective, pursuant to Title 17, United States Code, Section 512(c)(3)(A), the Notification must include the following:

8. CONTESTS AND SWEEPSTAKES
From time to time, AllWebHealthInsurance.com may sponsor contests or sweepstakes. Participation in such contests or sweepstakes is entirely voluntary. If you choose to enter any such contest or sweepstakes, your participation is governed by the contest/sweepstakes rules. You agree to abide by any and all contest/sweepstakes rules. Any personally identifiable information you provide in conjunction with any contest/sweepstakes becomes the property of AllWebHealthInsurance.com. If you consent to receive special promotions and offers from AllWebHealthInsurance.com and/or our advertisers or affiliates, such communications will be governed by our Privacy Policy. If you are awarded any prizes or other consideration, you give AllWebHealthInsurance.com permission, with no additional consideration, to identify you as a winner and to advertise, publicize, or promote AllWebHealthInsurance.com in connection with the contest/sweepstakes.

9. NO WARRANTY
YOUR USE OF THE SITE IS AT YOUR SOLE RISK. NEITHER ALLWEBHEALTHINSURANCE.COM NOR ANY OF ITS EMPLOYEES, AFFILIATES, AGENTS, THIRD-PARTY CONTENT PROVIDERS, OR SUPPLIERS WARRANTS THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE; NOR DOES ALLWEBHEALTHINSURANCE.COM MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SITE OR AS TO THE ACCURACY, RELIABILITY, COMPLETENESS, OR CONTENT OF ANY INFORMATION, SERVICE, OR MERCHANDISE PROVIDED.

10. LIMITATION OF LIABILITY
ALLWEBHEALTHINSURANCE.COM SHALL NOT BE LIABLE FOR ANY INJURY OR LOSS, CLAIM OR DAMAGE, NOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND, WHETHER BASED IN CONTRACT, TORT OR STRICT LIABILITY OR OTHERWISE, WHICH ARISES OUT OF OR IN ANY WAY CONNECTED WITH (i) THE USE OR PERFORMANCE OF EITHER SITE; (ii) THE DELAY OR INABILITY TO USE EITHER SITE; (iii) THE PROVISION OF OR FAILURE TO PROVIDE ANY INFORMATION AND SERVICES CONTAINED ON OR MADE AVAILABLE THROUGH A SITE (iv) THE INABILITY TO ACCESS OR USE EITHER SITE OR FROM YOUR RELIANCE ON ANY CONTENT AND/OR INFORMATION PROVIDED ON EITHER SITE, OR ON THIRD PARTY SITE LINKED TO OR FROM A SITE, EVEN IF ALLWEBHEALTHINSURANCE.COM HAS BEEN ADVISED OF THE POSSIBILITIES OF SUCH DAMAGES. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

11. GENERAL LEGAL PROVISIONS
Reservation of Rights. AllWebHealthInsurance.com reserves the right to deny or block access to the Site to anyone at anytime and to terminate this Agreement at anytime without notice, in its sole discretion.

Termination. At any time and without prior notice, AllWebHealthInsurance.com may immediately terminate your access to the Site for: (1) breach of this Agreement; (2) requests by law enforcement or other government agencies; (3) discontinuance or material modification to a Site (or any part thereof); and/or (4) unexpected technical or security issues or problems. You agree that termination for cause is at AllWebHealthInsurance.com’s sole discretion and AllWebHealthInsurance.com is not liable to you or any third party for termination of your access to the Site. You agree that any account you set up with AllWebHealthInsurance.com will be terminated upon your death.

Indemnification. You agree to defend, indemnify and hold AllWebHealthInsurance.com, its affiliates and their respective employees, directors, partners, contractors, officers, trustees, and other third parties assisting in the operation of the Site, harmless from and against all claims, liabilities and expenses (including attorneys' fees) that may arise from your use of the Site, any accounts set up in connection with the Site, User Materials, violation of the rights of others and/or breach of this Agreement.

Applicable Law and Jurisdiction. The Site is controlled and operated by AllWebHealthInsurance.com from its offices in Las Vegas, NV. This Terms of Service agreement is governed and controlled by the laws of the State of Nevada. By accessing, and/or using the Site you accept this Agreement and agree that all matters arising from or relating to the use and operation of the Site will be heard and resolved in the courts of Clark County, Nevada. In addition, you consent to the personal jurisdiction of such courts, stipulate to the fairness and convenience of proceeding in such courts, and covenant not to assert any objection to proceeding in such courts. A printed version of this Agreement with respect to the Site and of any notice given in electronic form is admissible in judicial and administrative proceedings.

International Use. Neither AllWebHealthInsurance.com nor its Affiliates make any representation that the Site and Content are appropriate or available for use in locations outside the United States. Those who choose to access the Site from other locations are responsible for compliance with any applicable local laws and any applicable laws regarding the transmission of technical data exported from the United States of the country in which you reside.

Contact AllWebHealthInsurance.com. If you have any questions or comments regarding the Site, this Agreement and/or our Privacy Policy please send an email or letter to the contact information listed on the “Contact Us” page.