Privacy Policy
Quote Pages
We know that keeping personal information private is important. That's why Term Wizard LLC (“Term Wizard”) wants you to know how we protect the information you share with us and the measures we take to safeguard all personal information.
On www.termwizard.com, we strive to provide you with one of the most comprehensive and dependable sources of insurance and financial products information on the Web. You can access most of this information with complete anonymity. Whenever you do supply personal information, it is kept secure and used solely to answer your inquiry, comply with your request, or supply you with information about quotations, new products, and services to help you meet your needs. Term Wizard has prepared the following Privacy Policy Statement to describe our policy regarding Term Wizard's collection, storage and use of information which our agents may transmit to Term Wizard while visiting our site.
Our Privacy Pledge
To meet our users' insurance and financial needs, we gather and maintain many types of information. To preserve your privacy we pledge to:
•Collect only the information we need to help us deliver superior products and services.
•Protect against unauthorized access to all personal information.
•Refuse to disclose any and all health information to non-affiliated third parties for marketing purposes.
•Refuse to sell your information to non-affiliated mailing list companies or telemarketers.
•Require companies that help us service our policies or accounts to protect all information in accordance with strict privacy standards.
•Maintain up-to-date privacy notices on our Web sites.
Our Online Information Practices
We may disclose information to non-affiliated entities when required by law, such as to respond to a subpoena, to prevent fraud, or to comply with an inquiry by a governmental agency.
Safeguarding Personal Information
We maintain physical, electronic, and procedural safeguards that meet state and federal regulations. Access to information gathered on our Web sites is limited to people who need the information to perform their job responsibilities.
This Web site is owned by Term Wizard LLC
Term Wizard provides unconditional Internet access only and does not control any third-party material from authorized or unauthorized externally linked Web sites to Term Wizard's Web sites. Term Wizard shall not be liable for the content or accuracy of information located on any such externally-linked Web pages.
Terms and Conditions of Use
Your use of any of the Term Wizard LLC's web sites is subject to the following the following Terms and Conditions of Use.
Information
This Web site is owned by Term Wizard LLC. By accessing, viewing, or using the systems, services or materials on any of the Term Wizard's web sites, (collectively known as the "Site"), you indicate your understanding of these "Terms and Conditions of Use," and further agree to accept such Terms and Conditions of Use and to be legally bound by them.
Availability and Use of Materials on the Site
"Materials" include information, forms, documents, software and other content present on or available to you from the Site. Term Wizard LLC may revise, enhance or update the Materials at any time. You must use the latest version or newest release of the Materials in accordance with the procedures established by Term Wizard LLC. Materials which offer descriptions or information on the products Term Wizard LLC sells are intended as general information and may not contain complete descriptions of all applicable terms, exclusions and conditions. Product availability varies by state.
Copyright and Proprietary Rights in Marks, Logos and Materials
All service marks and logos located on the Site are owned by Term Wizard LLC unless otherwise indicated. All Materials areTerm Wizard LLC's property, unless otherwise indicated. All Materials are protected by United States copyright laws and all other applicable laws. Removal or reproduction, by any means, of any Materials, logo, trademark, service mark, or the name of Term Wizard LLC or its affiliates, is expressly prohibited without the prior written consent of Term Wizard LLC.
License to Use Materials
Term Wizard LLC grants you a non-exclusive, non-transferable, temporary license to use Materials. Term Wizard LLC may revoke your license to use any Material at any time if you fail to comply with this Agreement, or for any other reason. In no event shall the Materials be used in any manner which Term Wizard LLC deems to be directly or indirectly in competition with Term Wizard or contrary to Term Wizard LLC's best interests.
Communications with the Site
Except as required by privacy laws, if you elect to communicate with Term Wizard LLC via the Site or e-mail, you acknowledge that the information contained in your message shall not be considered confidential and that, subject to privacy laws, Term Wizard LLC shall be free to disclose or otherwise use such information contained therein without any liability or limitation, including but not limited to creating and marketing products and/or services using such information. Term Wizard LLC is not responsible and shall not be liable for the contents of information, messages or other content posted to the Site by visitors or persons other than Term Wizard LLC employees. Opinions or comments contained in such items reflect the views of the author and not of Term Wizard LLC unless Term Wizard LLC expressly states to the contrary.
Links to Other Web Sites
The Site may, from time to time, contain links to other Internet Web sites for the convenience of users in locating information and services that may be of interest. You acknowledge that these third-party sites are maintained by persons or organizations which Life Enrollers does not control, and Life Enrollers expressly disclaims any responsibility for the content, the accuracy of the information and/or quality of products or services provided by or advertised on these third-party sites. Term Wizard LLC does not control, endorse, promote, or have any affiliation with any other Web site unless expressly stated in the Site or in the other Web Site.
Use of the Internet
While Life Enrollers endeavors to apply security protocols which are necessary and appropriate to the types of electronic communications which occur through use of the Site, the confidentiality of any communication or material transmitted to or from Life Enrollers via the Site, other Web Sites or Internet electronic mail cannot be guaranteed, including personal information such as addresses, social security numbers, and other personal information. Term Wizard LLC will not be liable for any loss resulting from a cause over which we have no direct control, including but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, natural disasters, strikes or other labor problems, wars, or governmental restrictions.
Disclaimer of Warranty and Limitation of Liability
USE OF THIS SITE IS ENTIRELY AT YOUR OWN RISK. IN NO EVENT SHALL TERM WIZARD LLC BE LIABLE TO YOU, OR TO ANY THIRD PARTIES, FOR ANY DAMAGES YOU OR A THIRD PARTY MAY SUSTAIN DUE TO YOUR USE OR INABILITY TO USE THE SITE OR ANY MATERIALS, EVEN IF TERM WIZARD LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. TERM WIZARD LLC SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOST REVENUES OR LOST PROFITS, WHICH MAY RESULT FROM THE USE OF, ACCESS TO, OR INABILITY TO USE THESE MATERIALS. UNDER NO CIRCUMSTANCES WILL THE TOTAL LIABILITY OF TERM WIZARD LLC TO YOU EXCEED THE PRICE PAID FOR USE OF THE SITE. THE SITE AND MATERIALS ARE PROVIDED "AS IS." TO THE MAXIMUM EXTENT PERMITTED BY LAW, TERM WIZARD LLC DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. TERM WIZARD LLC DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE SITE OR ANY MATERIALS WILL MEET ANY REQUIREMENTS OR NEEDS YOU MAY HAVE, OR THAT THE SITE OR ANY MATERIALS WILL OPERATE IN AN ERROR FREE OR UNINTERRUPTED FASHION, OR THAT ANY DEFECTS OR ERRORS IN THE SITE OR MATERIALS WILL BE CORRECTED, OR THAT THE SOFTWARE IS COMPATIBLE WITH ANY PARTICULAR PLATFORM. SOME JURISDICTIONS DO NOT ALLOW THE WAIVER OR EXCLUSION OF IMPLIED WARRANTIES SO THEY MAY NOT APPLY TO YOU.
Indemnification and Injunction
You agree to defend, indemnify, and hold harmless Term Wizard LLC, its affiliates and subsidiaries, and all of their respective directors, officers, employees, representatives, proprietors, partners, shareholders, servants, principals, agents, predecessors, successors, assigns, and attorneys from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs, and expenses (including attorney's fees and litigation expenses) relating to or arising from your use of the Site, any breach by you of these Terms and Conditions, your negligent or intentional acts, errors or omissions in regard to the subject matter of this Agreement, or your failure to comply with applicable laws.
Product Notice
The product information contained on this Web Site has been prepared for informational purposes only and is not intended to constitute a solicitation or offer for sale. All products listed may not be available in all states. For further information, please contact a Term Wizard LLC Representative who can provide you with costs and complete details.
We know that keeping personal information private is important. That's why Term Wizard LLC (“Term Wizard”) wants you to know how we protect the information you share with us and the measures we take to safeguard all personal information.
On www.termwizard.com, we strive to provide you with one of the most comprehensive and dependable sources of insurance and financial products information on the Web. You can access most of this information with complete anonymity. Whenever you do supply personal information, it is kept secure and used solely to answer your inquiry, comply with your request, or supply you with information about quotations, new products, and services to help you meet your needs. Term Wizard has prepared the following Privacy Policy Statement to describe our policy regarding Term Wizard's collection, storage and use of information which our agents may transmit to Term Wizard while visiting our site.
Our Privacy Pledge
To meet our users' insurance and financial needs, we gather and maintain many types of information. To preserve your privacy we pledge to:
•Collect only the information we need to help us deliver superior products and services.
•Protect against unauthorized access to all personal information.
•Refuse to disclose any and all health information to non-affiliated third parties for marketing purposes.
•Refuse to sell your information to non-affiliated mailing list companies or telemarketers.
•Require companies that help us service our policies or accounts to protect all information in accordance with strict privacy standards.
•Maintain up-to-date privacy notices on our Web sites.
Our Online Information Practices
We may disclose information to non-affiliated entities when required by law, such as to respond to a subpoena, to prevent fraud, or to comply with an inquiry by a governmental agency.
Safeguarding Personal Information
We maintain physical, electronic, and procedural safeguards that meet state and federal regulations. Access to information gathered on our Web sites is limited to people who need the information to perform their job responsibilities.
This Web site is owned by Term Wizard LLC
Term Wizard provides unconditional Internet access only and does not control any third-party material from authorized or unauthorized externally linked Web sites to Term Wizard's Web sites. Term Wizard shall not be liable for the content or accuracy of information located on any such externally-linked Web pages.
Terms and Conditions of Use
Your use of any of the Term Wizard LLC's web sites is subject to the following the following Terms and Conditions of Use.
Information
This Web site is owned by Term Wizard LLC. By accessing, viewing, or using the systems, services or materials on any of the Term Wizard's web sites, (collectively known as the "Site"), you indicate your understanding of these "Terms and Conditions of Use," and further agree to accept such Terms and Conditions of Use and to be legally bound by them.
Availability and Use of Materials on the Site
"Materials" include information, forms, documents, software and other content present on or available to you from the Site. Term Wizard LLC may revise, enhance or update the Materials at any time. You must use the latest version or newest release of the Materials in accordance with the procedures established by Term Wizard LLC. Materials which offer descriptions or information on the products Term Wizard LLC sells are intended as general information and may not contain complete descriptions of all applicable terms, exclusions and conditions. Product availability varies by state.
Copyright and Proprietary Rights in Marks, Logos and Materials
All service marks and logos located on the Site are owned by Term Wizard LLC unless otherwise indicated. All Materials areTerm Wizard LLC's property, unless otherwise indicated. All Materials are protected by United States copyright laws and all other applicable laws. Removal or reproduction, by any means, of any Materials, logo, trademark, service mark, or the name of Term Wizard LLC or its affiliates, is expressly prohibited without the prior written consent of Term Wizard LLC.
License to Use Materials
Term Wizard LLC grants you a non-exclusive, non-transferable, temporary license to use Materials. Term Wizard LLC may revoke your license to use any Material at any time if you fail to comply with this Agreement, or for any other reason. In no event shall the Materials be used in any manner which Term Wizard LLC deems to be directly or indirectly in competition with Term Wizard or contrary to Term Wizard LLC's best interests.
Communications with the Site
Except as required by privacy laws, if you elect to communicate with Term Wizard LLC via the Site or e-mail, you acknowledge that the information contained in your message shall not be considered confidential and that, subject to privacy laws, Term Wizard LLC shall be free to disclose or otherwise use such information contained therein without any liability or limitation, including but not limited to creating and marketing products and/or services using such information. Term Wizard LLC is not responsible and shall not be liable for the contents of information, messages or other content posted to the Site by visitors or persons other than Term Wizard LLC employees. Opinions or comments contained in such items reflect the views of the author and not of Term Wizard LLC unless Term Wizard LLC expressly states to the contrary.
Links to Other Web Sites
The Site may, from time to time, contain links to other Internet Web sites for the convenience of users in locating information and services that may be of interest. You acknowledge that these third-party sites are maintained by persons or organizations which Life Enrollers does not control, and Life Enrollers expressly disclaims any responsibility for the content, the accuracy of the information and/or quality of products or services provided by or advertised on these third-party sites. Term Wizard LLC does not control, endorse, promote, or have any affiliation with any other Web site unless expressly stated in the Site or in the other Web Site.
Use of the Internet
While Life Enrollers endeavors to apply security protocols which are necessary and appropriate to the types of electronic communications which occur through use of the Site, the confidentiality of any communication or material transmitted to or from Life Enrollers via the Site, other Web Sites or Internet electronic mail cannot be guaranteed, including personal information such as addresses, social security numbers, and other personal information. Term Wizard LLC will not be liable for any loss resulting from a cause over which we have no direct control, including but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, natural disasters, strikes or other labor problems, wars, or governmental restrictions.
Disclaimer of Warranty and Limitation of Liability
USE OF THIS SITE IS ENTIRELY AT YOUR OWN RISK. IN NO EVENT SHALL TERM WIZARD LLC BE LIABLE TO YOU, OR TO ANY THIRD PARTIES, FOR ANY DAMAGES YOU OR A THIRD PARTY MAY SUSTAIN DUE TO YOUR USE OR INABILITY TO USE THE SITE OR ANY MATERIALS, EVEN IF TERM WIZARD LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. TERM WIZARD LLC SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOST REVENUES OR LOST PROFITS, WHICH MAY RESULT FROM THE USE OF, ACCESS TO, OR INABILITY TO USE THESE MATERIALS. UNDER NO CIRCUMSTANCES WILL THE TOTAL LIABILITY OF TERM WIZARD LLC TO YOU EXCEED THE PRICE PAID FOR USE OF THE SITE. THE SITE AND MATERIALS ARE PROVIDED "AS IS." TO THE MAXIMUM EXTENT PERMITTED BY LAW, TERM WIZARD LLC DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. TERM WIZARD LLC DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE SITE OR ANY MATERIALS WILL MEET ANY REQUIREMENTS OR NEEDS YOU MAY HAVE, OR THAT THE SITE OR ANY MATERIALS WILL OPERATE IN AN ERROR FREE OR UNINTERRUPTED FASHION, OR THAT ANY DEFECTS OR ERRORS IN THE SITE OR MATERIALS WILL BE CORRECTED, OR THAT THE SOFTWARE IS COMPATIBLE WITH ANY PARTICULAR PLATFORM. SOME JURISDICTIONS DO NOT ALLOW THE WAIVER OR EXCLUSION OF IMPLIED WARRANTIES SO THEY MAY NOT APPLY TO YOU.
Indemnification and Injunction
You agree to defend, indemnify, and hold harmless Term Wizard LLC, its affiliates and subsidiaries, and all of their respective directors, officers, employees, representatives, proprietors, partners, shareholders, servants, principals, agents, predecessors, successors, assigns, and attorneys from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs, and expenses (including attorney's fees and litigation expenses) relating to or arising from your use of the Site, any breach by you of these Terms and Conditions, your negligent or intentional acts, errors or omissions in regard to the subject matter of this Agreement, or your failure to comply with applicable laws.
Product Notice
The product information contained on this Web Site has been prepared for informational purposes only and is not intended to constitute a solicitation or offer for sale. All products listed may not be available in all states. For further information, please contact a Term Wizard LLC Representative who can provide you with costs and complete details.
