Scope and Application
You agree to use the AP Intego Website only for lawful purposes: 1) Specifically you agree not to do any of the following: (1) upload to or transmit on the AP Intego Website any defamatory, indecent, obscene, harassing, violent or otherwise objectionable material, or any material that is, or may be, protected by copyright, without permission from the copyright owner; (2) use the AP Intego Website to violate the legal rights (including the rights of publicity and privacy) of others or to violate the laws of any jurisdiction; (3) intercept or attempt to intercept electronic mail not intended for you; (4) misrepresent an affiliation with any person or organization; (5) upload to or transmit on the AP Intego Website any advertisements or solicitations of business; (6) restrict or inhibit use of the AP Intego Website by others; (7) upload or otherwise transmit files that contain a virus or corrupted data; (8) collect information about others (including e-mail addresses) without their consent; (9) download a file or software or include in a message any software, files or links that you know, or have reason to believe, cannot be distributed legally over the AP Intego Website or that you have a contractual obligation to keep confidential (notwithstanding its availability on the AP Intego Website); (10) post “spam,” transmit chain letters or engage in other similar activities; or (11) engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the AP Intego Website, or which, as determined by AP Intego, may harm AP Intego or users of the AP Intego Website or expose them to liability. 2) Any content and/or opinions uploaded, expressed or submitted to a message board, blog, chatroom or any other publicly available section of the AP Intego Website (including password-protected areas), and all articles and responses to questions, other than the content provided by AP Intego, are solely the opinions and responsibility of the person or entity submitting them and do not necessarily reflect the opinions of AP Intego. You understand and acknowledge that you are responsible for whatever content you submit, and you, not AP Intego, have full responsibility for such content, including its legality, reliability and appropriateness. By uploading or otherwise transmitting material to any area of the AP Intego Website, you warrant that the material is your own or is in the public domain or otherwise free of proprietary or other restrictions and that you have the right to post it to the AP Intego Website. You grant to AP Intego the right to use all content you upload or otherwise transmit to the AP Intego Website in any manner AP Intego chooses, including, but not limited, to copying, displaying, performing or publishing it in any format whatsoever, modifying it, incorporating it into other material or making a derivative work based on it. 3) AP Intego reserves the right, but does not assume any responsibility, to (1) remove any material posted on the AP Intego Website which AP Intego, in its sole discretion, deems inconsistent with the foregoing commitments, including any material AP Intego has been notified, or has reason to believe, constitutes a copyright infringement; and (2) terminate any user’s access to all or part of the AP Intego Website. However, AP Intego can neither review all material before it is posted on the AP Intego Website nor ensure prompt removal of objectionable material after it has been posted. Accordingly, AP Intego assumes no liability for any action or inaction regarding transmissions, communications or content provided by third parties. AP Intego reserves the right to take any action it deems necessary to protect the personal safety of users of this Website and the public; however, AP Intego has no liability or responsibility to anyone for performance or nonperformance of the activities described in this paragraph. Your failure to comply with the provisions of (A) or (B) above may result in the termination of your access to the AP Intego Website and may expose you to civil and/or criminal liability. –
Copyright Restrictions/Use of Content
The entire contents of this Website (including all information, software, text, displays, images and audio) and the design, selection and arrangement thereof, are proprietary to AP Intego or its licensors and are protected by United States and international laws regarding copyrights, trademarks, trade secrets and other proprietary rights. You are authorized only to use the content on the AP Intego Website for personal use or legitimate business purposes related to your role as a current or prospective customer, supplier or distributor of AP Intego. You may not copy, modify, create derivative works of, publicly display or perform, republish, store, transmit or distribute any of the material on this Website without the prior written consent of AP Intego, except to: (a) store copies of such materials temporarily in RAM, (b) store files that are automatically cached by your web browser for display enhancement purposes, and (c) print a reasonable number of pages of the AP Intego Website; provided in each case that you do not alter or remove any copyright or other proprietary notices included in such materials. Neither the title nor any intellectual property rights to any information or material in this Website are transferred to you, but remain with AP Intego or the applicable owner of such content. Except as expressly authorized by AP Intego in writing, you may not reproduce, sell or exploit for any commercial purposes (i) any part of this Website, (ii) access to this Website, or (iii) use of this Website or of any services or materials available through this Website.
The term “AP Intego” is a trademark and the AP Intego logo and all related product and service names, designs and slogans on our Website are trademarks of AP Intego or its affiliates. You may not use such marks without AP Intego’s prior written permission. All other names, brands and marks not owned by AP Intego are used for identification purposes only and may be trademarks or registered trademarks of their respective owners.
Dealings with Third-Party Merchants
If you choose to correspond, participate in a promotion or engage in transactions with any merchant found on or through this Website, you acknowledge and agree that AP Intego is not a party to, and will not be responsible for, your interaction with such merchant, including its treatment of your information and the terms and conditions applicable to any transaction between you and the merchant. The terms of your interaction with any merchant are solely between you and such merchant. You agree that AP Intego will have no responsibility or liability for any loss or damage of any kind that you may suffer as the result of any such interaction or the presence of such merchants on this Website.
Liability of AP Intego and Its Licensors
AP Intego does not assume any liability for the materials, information and opinions provided on, or available through, the AP Intego Website (the “Site Content”). The Site Content is not and should not be construed as insurance advice. Reliance on the Site Content is solely at your own risk and AP Intego disclaims any liability for injury or damages resulting from the use of any Site Content. Any insurance purchasing conclusions and decisions such as coverage amounts, limits and deductibles are completely and solely the responsibility of the insured. At the time of a claim, coverage will be determined in accordance with the terms and conditions of the applicable insurance policy and not the Site Content. Accordingly, you are encouraged to view/download a specimen of your actual policy documentation prior to making any purchase decision. THE AP Intego WEBSITE, THE SITE CONTENT AND THE PRODUCTS AND SERVICES PROVIDED ON OR AVAILABLE THROUGH THIS WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITH ALL FAULTS. NEITHER AP Intego NOR ANY PERSON ASSOCIATED WITH AP Intego MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE QUALITY, ACCURACY OR AVAILABILITY OF THE AP Intego WEBSITE. SPECIFICALLY, BUT WITHOUT LIMITING THE FOREGOING, NEITHER AP Intego NOR ANYONE ASSOCIATED WITH AP Intego WARRANTS OR REPRESENTS THAT THE AP Intego WEBSITE, THE SITE CONTENT OR THE SERVICES PROVIDED ON OR THROUGH THIS WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED; THAT DEFECTS WILL BE CORRECTED; THAT THE AP Intego WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR THAT THE AP Intego WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS. AP Intego DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. IN NO EVENT WILL AP Intego OR ITS LICENSORS OR CONTRACTORS BE LIABLE FOR ANY DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE AP Intego WEBSITE, THE SITE CONTENT, ANY SERVICES PROVIDED ON OR THROUGH THIS WEBSITE OR ANY LINKED SITE, INCLUDING ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING, BUT NOT LIMITED TO, PERSONAL INJURY, LOST PROFITS OR DAMAGES RESULTING FROM DELAY, INTERRUPTION IN SERVICE, VIRUSES, DELETION OF FILES OR ELECTRONIC COMMUNICATIONS, OR ERRORS, OMISSIONS OR OTHER INACCURACIES IN THE AP Intego WEBSITE OR THE SITE CONTENT, WHETHER OR NOT THERE IS NEGLIGENCE BY AP Intego AND WHETHER OR NOT AP Intego HAS BEEN ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGES
Submission and Protection of Personally Identifiable Information
Comments and Submissions
AP Intego welcomes your comments. All comments, suggestions or other information sent by you to this Website will become AP Intego’s property, and you agree that all intellectual property rights therein are transferred to AP Intego. You understand that any postings to publicly available portions of the AP Intego Website are non-confidential for all purposes.
Links to Other Sites
The AP Intego Website may contain links to other web sites on the Internet. AP Intego is not responsible for and does not endorse the content, products or services of any third-party Websites, including, without limitation, sites framed within the AP Intego Website or third-party advertisements, and AP Intego does not make any representations regarding their quality, content or accuracy. Your use of third-party websites is at your own risk and subject to the terms and conditions of use for such web sites.
U.S. Government Users
Use, duplication, or disclosure by the United States Government is subject to the restrictions set forth in DFARS 252.227-7013(c)(1)(ii) and FAR 52.227-19 and any other successor regulations that may be applicable.
The owner of this Website is licensed as an insurance producer in the states identified under “Licenses” (available via the “Legal” link at the bottom of the Website). The products and services on this website have been approved for use by the insurance regulators in those states. AP Intego makes no representation that the products and services in this Website are appropriate or available for use outside of the states identified. If you access this Website from other locations, you hereby acknowledge and agree that you are viewing the products and services in this Website for general informational purposes only.
Insurance Quotes and Coverages
All quotes generated in this Website are based on information you provided on this Website, as well as, in some cases, information we obtain from third parties. Quotes do not constitute a contract or an invitation to contract, or a binder or agreement to extend, continue or renew insurance coverage. The coverage descriptions provided in this Website are general descriptions of potentially available insurance coverage products and services and are not a statement of contract or an invitation to contract. To obtain insurance coverage you must complete all of the steps in this Website through the final application through this Website, a mobile app or otherwise. Applications are subject to underwriting review and approval.
If you file a claim under your policy, the information you submit and the loss are subject to review and verification. We reserve the right to request additional information before making a final decision on your claim. In some cases, a claim representative may contact you regarding your claim. Your claim is of course subject to the provisions in your policy.
Agreement to Conduct Electronic Transactions
We are required by law to provide certain disclosures to you before you enter into a transaction electronically via the Website. In addition, we need your consent to enter into such transactions before we can deliver, or authorize the delivery of, certain documents to you electronically. If you enter into a transaction with us via the Website, you acknowledge that you have read our Agreement to Conduct Electronic Transactions (available here) and agree to the terms and conditions set forth therein.
Scope and Application
Collection of Information
Use of Information
Sharing of Information
- Service Providers. In the course of doing business, we employ other companies and individuals to perform a variety of functions on our behalf. For example, we may provide the information we collect from and about you (and your device) to companies that host our online services or send communications on our behalf. These service providers may have access to information about you if it is needed to perform their functions for us, but they are not authorized by us to use or disclose the information except as necessary to perform services on our behalf or to comply with legal requirements, and they are required to maintain the information in confidence.
- Promotions. We will share the information we collect from and about you (and your device) with third parties as necessary to provide you with a product or service you requested through a partnership or promotional offering made by a third party or us.
- Legally Required. We reserve the right to disclose information we collect from and about you (and your device) if required to do so by law or by a regulatory authority. We may also disclose your information as part of an investigation or enforcement action relating to improper or illegal conduct in connection with our online services or other products, including, without limitation, any situations that may potentially involve threats to the safety or privacy of any person or misuse of our online services.
Statement on Cookies and Similar Technologies
||These cookies and similar technologies are necessary to the operation of our online services. This includes technologies that (i) allow you access to our online services, (ii) are required to identify irregular online service behavior, prevent fraudulent activity and improve security, or (iii) that allow you to make use of our functions.
||These first- and third-party cookies and similar technologies allow us to offer you enhanced functionality when accessing or using our online services. This may include identifying you when you sign into our services or keeping track of your specified preferences, interests, or past items viewed or utilized so that we may enhance the presentation of content on our online services.
|Performance, Analytics and Research
||These first- and third-party cookies and similar technologies allow us to assess, improve and research the performance and use of our online services, and to better understand the interests of people who interact with our online services and ads. This includes our analytics activities that help us understand how our visitors use our online services, determine if you have interacted with our communications and ads, determine whether you have viewed an item or link, or to improve our online services content.
|Advertising and Targeting
||These first- and third-party cookies and similar technologies are used to deliver relevant ads, and track ad campaign performance and efficiency.Similarly, our partners may use a cookie or other technology to determine whether we have served an ad and how it performed, or to provide us with information about how you interact with them. One way we do so is by allowing network advertising companies with whom we work to place their own cookies when an individual visits our online services. This enables the network advertising company to recognize individuals who have previously visited our services. When the individual visits a third-party website on which that network advertising company has purchased ad space, the advertising company can then recognize the individual’s interest in our products and services and deliver one of our advertisements. For example, some of our online services use two Google Analytics Advertising Display Features, which collect information through cookies and similar technologies: Remarketing with Google Analytics and Demographics and Interests reporting. If you would like to opt-out of having your data used by these cookies, please use the Google Analytics opt-out available here: https://tools.google.com/dlpage/gaoptout/. For more information about interest-based ads, or to opt out of having your web-browsing information used for targeting and behavioral advertising purposes by those network advertising companies that honor such requests, please visit: www.aboutads.info/choices.
Your Cookie Choices Most web browsers are set to accept cookies by default. However, in addition to the specific opt-out mechanisms described above, you can typically choose to set your browser to remove or reject browser cookies. To do so, please follow the instructions provided by your browser which are usually located within the “Help” or “Preferences” menu. Removing or rejecting browser cookies does not necessarily affect third-party Flash cookies (see “local storage” above) which may be used by us or our partners in connection with our online services. To delete or disable Flash cookies, please visit this site for more information. If you would like to prohibit us and our approved partners from using cookies and other identification technologies on our mobile applications for purposes of serving interest-based advertisements and targeting, please follow these steps:
- iOS Users: (1) Launch “Settings”; (2) Tap on “Privacy” and scroll down and tap on “Advertising”; (3) Toggle on “Limit Ad Tracking”. You can also reset your Advertising Identifier from here by tapping “Reset Advertising Identifier”.
- Android Users: (1) Open your app drawer and launch the Google Setting app; (2) Tap “Ads” under Services and enable the “Opt out of interest-based ads” option. You can also reset your advertising ID from here by tapping “Reset advertising ID”.
For further information about cookies and similar technologies, including how to see what cookies have been set on your device and how to manage and delete them, you can visit www.allaboutcookies.org. Web Browser Do Not Track (DNT) Headers Some web browsers may transmit “do-not-track” signals to websites with which the browser communicates. Our online services do not currently respond to these “do-not-track” signals.
AP Intego and our third party providers use physical, technical and administrative security measures, consistent with industry practice. Such measures are reasonably designed to protect information we collect from and about you (and your device) from loss, unauthorized access, disclosure, alteration or destruction. We may use encryption, password protection, secure socket layers, internal restrictions and other security measures to help prevent unauthorized access to the information we collect from and about you. However, any information you provide to us is at your own risk. We cannot guarantee that such information will not be lost, accessed without authorization, disclosed, altered, or destroyed.
Our online services are not intended for or designed to attract children under the age of 13. Moreover, we do not knowingly collect any personally-identifiable information from anyone under the age of 18 without the consent of a parent or guardian, and you must be 18 years of age or older to submit any information to us.
We are committed to respecting your right to access and correct your information. You can contact us using the information provided in the Contact Us section and we will be happy to assist you with your request. You may also “opt-out” of receiving marketing e-mails and other marketing communications from us by using the unsubscribe feature included in the e-mails we send. Please refer to our Statement on Cookies and Similar Technologies for more information about your choices regarding cookies and similar technologies.
Arizona Residents Only
If you submit a written request to access your personal information recorded by us, we will (1) respond within 30 business days informing you of the nature and substance of your recorded personal information (if any); (2) permit you to copy such recorded personal information in person or have a copy mailed to you (subject to a reasonable fee); (3) disclose the identity of any recorded third parties to whom we have disclosed your personal information to within the last 2 years; and (4) provide instructions on how you may request correction, amendment, or deletion of your recorded personal information. If you request correction, amendment, or deletion of your recorded personal information, we will (1) correct, amend, or delete the portion of your recorded personal information in dispute within 30 business days and notify you (and any applicable third parties) of such correction, amendment, or deletion; or (2) if we refuse to make the requested correction, amendment, or deletion, notify you within 30 business days of the reason(s) for such refusal and your right to file a concise statement describing what you think is the correct information and the reasons why you disagree with our refusal. If you file such a statement, we will either honor your request (if we agree with you) or provide notice to any third parties that review your disputed personal information of your statement.
AP Intego Disclosure & Agreement to Conduct Electronic Transactions
Please print or download a copy of this Agreement for your records after reading it. This Disclosure and Agreement to Conduct Electronic Transactions (“Agreement”) applies to all Communications for those Contracts (including Policies), services and notices offered or accessible through Our Online Service. “Online Service” means the AP Intego Insurance website and mobile applications, and associated links, services and Communications available through the website and mobile apps. We are required by law to provide certain disclosures to you before you enter into this transaction electronically. In addition, we need your consent to enter into this transaction before we can deliver, or authorize the delivery of, certain documents to you electronically. Please read this Agreement carefully before giving consent.
- “Communications” means all the information that We are required to provide to you by law, or as reasonably necessary to administer your Contract, which includes, but is not limited to, your online enrollment or application, declarations page, Policy, certificate, terms and conditions, responses to claims, transaction history, privacy policies, periodic billing statements, amendments, services, notices and disclosures about changes in the terms of your Contract.
- “Contract” means a Policy/certificate or any other product or service requested by you and provided by Us.
- “Policy” means a written contract of insurance, or written agreement effecting insurance, or the certificate thereof, and includes all clauses, riders or endorsements and declarations pages.
- “We”, “Us”, and “Our” means the company that issues your Contract, including AP Intego Insurance Group, LLC and all of its subsidiaries, affiliates, and agents.
Scope of Communications to Be Provided in Electronic Form
You agree that We may provide you with any Communication in electronic format, and that We may discontinue sending paper Communications to you (including, but not limited to, paper communications required to be sent via U.S. mail), unless and until you withdraw your consent as described below or at Our option upon notification by Us to you. You further acknowledge that We may authorize an agent to deliver certain Communications to you on Our behalf, and perform other services to help facilitate the delivery of Communications to you.
Method of Providing Communications to You in Electronic Form
All Communications that We provide to you in electronic form will be provided by one or more of the following methods (to the extent permissible by law): (1) via e-mail; (2) by access to a secure website that We will generally designate in advance for such purpose; or (3) via text message or mobile message service. With respect to text message and mobile messaging service communications, your carrier may charge you a fee for receiving the message. We will provide a particular Communication in writing if required by law to do so.
How to Withdraw Consent
You may withdraw your consent to receive Communications that We provide to you in electronic form by (1) e-mailing Us at firstname.lastname@example.org or (2) writing to us at AP Intego Insurance Group, LLC, Attn: Customer Service, 375 Woodcliff Drive, Suite 103, Fairport, NY 14450. At Our option, We may treat your provision of an invalid e-mail address, or the subsequent malfunction of a previously valid e-mail address, as a withdrawal of your consent to receive electronic Communications. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications; however, your access and use of the Online Service may be terminated. Any withdrawal of your consent to receive electronic Communications will be effective only after We have a reasonable period of time to process your withdrawal. Termination of your consent to conduct business electronically shall not affect legal enforceability of any Contract provided to you.
How to Update Your Records
It is your responsibility to provide Us with a true, accurate and complete e-mail address, contact, and other information related to this Agreement and your Contract, and to maintain and update promptly any changes in this information. You can update your information by (1) e-mailing Us at email@example.com or (2) writing to us at AP Intego Insurance Group, LLC, Attn: Customer Service, 375 Woodcliff Drive, Suite 103, Fairport, NY 14450. Please do not send confidential information to Us via traditional e-mail, as we cannot guarantee that the transmission will be secure.
Hardware and Software Requirements
In order to access, view and retain electronic Communications from Us, you must have:
- An up-to-date Internet browser to access your Communications;
- Local, electronic storage capacity to retain Our Communications and/or a printer to print them;
- A valid e-mail account and software to access it;
- An up-to-date device or devices (g., computer, Smartphone, tablet, etc.) suitable for connecting to the Internet;
- Added the domain com to your e-mail account’s list of safe senders;
- Software that enables you to view files in Portable Document Format (“PDF”). You may be able to download the most recent version of Adobe Reader by clicking here. If you cannot download the most recent version of Adobe Reader, please call your manufacturer to find out how to download software that is functionally equivalent.
Requesting Paper Copies
When you consent to receive Communications electronically, you should not expect to receive a paper copy of any Communication, unless you request it, a paper or other written copy is required by law, or We otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that We mail you a paper copy, provided that such request is made within a reasonable time after We first provided the electronic Communication to you. To request a paper copy, you may do so by (1) e-mailing Us at firstname.lastname@example.org or (2) writing to us at AP Intego Insurance Group, LLC, Attn: Customer Service, 375 Woodcliff Drive, Suite 103, Fairport, NY 14450. We may charge you a reasonable service fee for a paper copy, of which We will provide you.
AP Intego Insurance Group, LLC (“AP Intego”). is an appointed agent for the insurance companies we represent. AP Intego provides services to the customer on behalf of the insurer in connection with the placement of insurance. In our role as the insurance carrier’s agent, we receive all of our compensation from insurance companies for our professional services in the form of commissions, which consist of a percentage of the premium collected by the insurance companies. In some cases, we may also receive additional compensation, under agreements with one or more insurance carriers, in the form of commission overrides, bonuses or marketing fees which can be based on some combination of volume, new business, persistency and other factors. AP Intego may be a party to such agreements with one or more of the insurers or insurance intermediaries with or through which AP Intego places insurance. Any additional compensation is not customarily attributable to a particular client and is not factored into a decision on where to place business. We are able to provide more specific information about our compensation structure at a client’s request.