Copyrights and Privacy Statement
Authorization of Use
BeneFinder hereby authorizes any
person to access this Website for informational purposes only. BeneFinder
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 BeneFinder 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 BeneFinder
No Warranties
The user of this Website assumes all
responsibility and risk for the use of this Website and the Internet generally.
BeneFinder, 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. BeneFinder
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 BeneFinder or
its affiliated companies shall create any warranty. Neither BeneFinder nor its
affiliated companies warrant 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 coverages 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 BeneFinder 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, BeneFinder 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
BeneFinder will not be deemed to
have accepted any electronic communication unless BeneFinder provides the
sender of the electronic communication with an acknowledgment verifying receipt
of the communication. If BeneFinder sends any electronic communication, BeneFinder
will assume the communication was received intact by the intended recipient.
The recipient of such message must notify BeneFinder if the transmission was
not received or was not received in a readable format.
Security
Despite the security measures taken
by BeneFinder, 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 BeneFinder 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 BeneFinder
Privacy Statement
BeneFinder 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:
BeneFinder 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 send e-mail to us from this Website or when
you complete a web form requesting personal identifiable information. When you complete
a form at Benefinder, you will be asked to provide your name, home address,
mailing address, telephone number and e-mail address. This information will be
provided to our advisors who will assist you. We will maintain a record of your
information at the offices of Benefinder, so we can provide you with
policyholder service. The employees of Benefinder 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 send us e-mail from this
Website or complete forms on this Website, you will provide us with certain
personally identifiable information including your e-mail address. We may share
this information with third parties who provide us services in the normal
course of business including, but not limited to, insurance carriers and their
affiliates.
Cookies
We transmit non-personally
identifiable information to third party service providers (e.g. Google) that
collect website statistics. We may also transmit non-personally identifiable
information to third party service providers that may use such information
during your visits to this and other websites in order to provide
advertisements about goods and services likely to be of greater interest to
you.
One method of collecting such
information is through the use of 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 BeneFinder, 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.
Use of cookies helps us to improve
our Website and to deliver a better and more personalized service by enabling
us to: estimate our audience size and usage patterns; store information about
your preferences allowing us to customize our Site according to your individual
interests; speed up your searches; and recognize you when you return to our
Website. You may refuse to accept cookies by activating the appropriate setting
on your browser. However, if you activate such a setting, you may be unable to
access certain parts of our Website. Unless you have adjusted your browser
setting so that it will refuse cookies, our system will issue cookies when you
direct your browser to our Website.
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 BeneFinder. 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 BeneFinder is
not responsible for the content of third-party Websites linked to BeneFinder
nor are we responsible for the privacy policy or practices of third-party
Websites linked to BeneFinder Our Privacy Policy only applies to information we
collect from you while you are actively in a connection with BeneFinder If you
should link to a third-party Website from BeneFinder, 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
The BeneFinder logo, and other
marks, including the names of various products and services described within
and offered by companies represented by BeneFinder 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 BeneFinder 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.