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Copyrights, Disclosures, and Disclaimers
Gibbs Insurance Group hereby
authorizes any person to access this Website for informational purposes
only. Gibbs Insurance Group 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 Gibbs Insurance Group. 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 Gibbs Insurance Group.
No Warranties
The user of this Website assumes all responsibility and risk for the use
of this Website and the Internet generally. Gibbs Insurance Group, 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.
Gibbs Insurance Group 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 Gibbs Insurance Group or its
affiliated companies shall create any warranty. Neither Gibbs Insurance
Group 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 Gibbs Insurance Group 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, Gibbs Insurance Group 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
Gibbs Insurance Group will not be deemed to have accepted any electronic
communication unless Gibbs Insurance Group provides the sender of the
electronic communication with an acknowledgment verifying receipt of the
communication. If Gibbs Insurance Group sends any electronic
communication, Gibbs Insurance Group will assume the communication was
received intact by the intended recipient. The recipient of such message
must notify Gibbs Insurance Group if the transmission was not received or
was not received in a readable format.
Security
Despite the security measures taken by Gibbs Insurance Group, 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 Gibbs Insurance Group 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 Gibbs Insurance Group.
Privacy Statement
Gibbs Insurance Group 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:
Gibbs Insurance Group 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
Gibbs Insurance Group, 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 Gibbs Insurance Group, so we
can provide you with policyholder service. The employees of Gibbs
Insurance Group 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 Gibbs Insurance Group, 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 Gibbs Insurance Group, 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 Gibbs Insurance Group. 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 Gibbs Insurance Group is not responsible for the
content of third party Websites linked to Gibbs Insurance Group nor are we
responsible for the privacy policy or practices of third party Websites
linked to Gibbs Insurance Group. Our Privacy Policy only applies to
information we collect from you while you are actively in a connection
with Gibbs Insurance Group. If you should link to a third party Website
from Gibbs Insurance Group, 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 Gibbs Insurance Group logo, and other marks, including the names
of various products and services described within and offered by companies
represented by Gibbs Insurance Group 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 Gibbs Insurance Group 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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