Copyrights and Privacy Statement

Authorization of Use

Integrated Insurance Solutions hereby authorizes any person to access this Website for
informational purposes only. Integrated Insurance Solutions 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 Integrated Insurance Solutions. 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 Integrated Insurance Solutions.

No Warranties

The user of this Website assumes all responsibility and risk for the use of this Website and the
Internet generally. Integrated Insurance Solutions, 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. Integrated Insurance Solutions 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 Integrated Insurance Solutions or its affiliated
companies shall create any warranty. Neither Integrated Insurance Solutions 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 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 Integrated Insurance Solutions 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, Integrated
Insurance Solutions 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

Integrated Insurance Solutions will not be deemed to have accepted any electronic
communication unless Integrated Insurance Solutions provides the sender of the electronic
communication with an acknowledgment verifying receipt of the communication. If Integrated
Insurance Solutions sends any electronic communication, Integrated Insurance Solutions will
assume the communication was received intact by the intended recipient. The recipient of such
message must notify Integrated Insurance Solutions if the transmission was not received or was
not received in a readable format.


Despite the security measures taken by Integrated Insurance Solutions, 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 Integrated Insurance Solutions 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 Integrated Insurance Solutions.

Privacy Statement

Integrated Insurance Solutions 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:
Integrated Insurance Solutions 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 or when you complete a web
form requesting personal identifiable information. When you enroll for an insurance policy at
Integrated Insurance Solutions, 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 Integrated
Insurance Solutions, so we can provide you with policyholder service. The employees of
Integrated Insurance Solutions 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 Integrated Insurance Solutions, 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 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.


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 Integrated Insurance Solutions, 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 Integrated
Insurance Solutions. 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 Integrated Insurance Solutions is not responsible for the content of third-
party Websites linked to Integrated Insurance Solutions nor are we responsible for the privacy
policy or practices of third-party Websites linked to Integrated Insurance Solutions. Our Privacy
Policy only applies to information we collect from you while you are actively in a connection
with Integrated Insurance Solutions. If you should link to a third-party Website from Integrated
Insurance Solutions, 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.


The Integrated Insurance Solutions logo, and other marks, including the names of various
products and services described within and offered by companies represented by Integrated
Insurance Solutions 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 Integrated Insurance Solutions
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

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.

If you have additional questions or would like more information
about the program please contact us at


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