Access to this Website
Welcome to our website. In accessing and using this website, you acknowledge that you have read, understood and agree to be bound by the following terms and conditions.
About this Website
On this website we provide an interactive environment in which users who are interested in purchasing insurance may find such information.
Your obligations
If you are not over the age of 18 years, you must obtain the consent of your parent or guardian before using this website. You may not: a) use any other person’s name, user identification or password when accessing or using this website,
unless it is with our consent; b) post or transmit any material which in any way defames, harasses or offends any person, is obscene or which in any way may interfere with any other users of this website; c) provide any information to us
which is the confidential information or proprietary information of any other person; d) use this website in any way which may be in breach of any laws, rules or regulations or may infringe any third party rights; or e) knowingly transmit
any virus or take any action which may interfere with the operation of this website.
Change of Information, Products and Services
Information, products and services published on this website are subject to change without notice.
Copyright
All contents of this website, including the software, design, text and graphics are owned by or licensed to us andare protected by copyright under the laws of the United States and other countries. Apart from fair dealing forthe purpose
of personal use, private study, research, criticism or review as permitted under copyright legislation, you may not reproduce, transmit, adapt, distribute, sell, modify or publish or otherwise use any of the materialon this website
without our prior written consent.
Trademarks
This web site includes trademarks which are registered, are the subject of pending applications or which areotherwise protected by law. You may not use these trademarks without our consent.
DISCLAIMER AND LIMITATION OF LIABILITY
TO THE EXTENT PERMITTED BY LAW, WE EXCLUDE ALL WARRANTIES, CONDITIONS AND REPRESENTATIONS WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, RELATING IN ANY WAY TO THIS WEBSITE, YOUR USE OF THIS WEBSITE AND THE INFORMATION, PRODUCTS AND
SERVICES SUPPLIED, OFFERED TO BE SUPPLIED OR ADVERTISED OR ACCESSED THROUGH THIS WEBSITE; AND LIABILITY (INCLUDING FOR NEGLIGENCE) TO YOU OR ANYONE ELSE TO RESPECT OF ANY LOSS OR DAMAGE (INCLUDING SPECIAL, INDIRECT OR CONSEQUENTIAL LOSS
OR DAMAGE), COSTS AND EXPENSES SUFFERED BY YOU OR CLAIMS MADE AGAINST YOU ARISING FROM OR IN CONNECTION WITH ANY USE OF THE INFORMATION, PRODUCTS OR SERVICES SUPPLIED, OFFERED TO BE SUPPLIED OR ADVERTISED OR ACCESSED THROUGH THIS WEB SITE
FOR ANY REASON WHATSOEVER (INCLUDING NEGLIGENCE).
Governing Law
Any legal issues or disputes arising out of the use of this website will be governed by the laws of the State of Florida, and by using this website you specifically waive your right to a trial by jury and agree to bindingarbitration of
any issue or dispute arising out of this agreement. Said arbitration will be conducted in Miami,Florida, pursuant to the rules of the American Arbitration Association. In the event this requirement for binding arbitration is found to be
unenforceable, you agree that any claim or dispute you may have against us must beresolved by a court located in Miami-Dade County, Florida.
PRIVACY POLICY
We value you as a customer and take your personal privacy seriously. We want you to know about our policies for collecting, using and protecting your personal data. We want you to know your rights concerning your personal data.
1. Data We Collect
The data we collect may include data we receive:
From you in person, in writing, by phone or over the Internet on applications or other forms. Examples: your name, address, social security number, income and health history.
From your business dealings with us and other companies. Examples: your policy coverage, premiums, claims history and payment history.
From consumer reporting agencies and other third parties. Examples: your credit score, credit history, employment record and motor vehicle report.
2. Data We Use
We use your personal data to underwrite your policy, process your claim, and service your account. We may share your personal data:
Within our family of companies. We may share data about your account or our business dealings with you. Examples: your credit score, payment history or motor vehicle report.
With third parties. As permitted by law, we may share your personal data with third parties who help us service or process your account. We may share your personal data with companies that
perform marketing services for us or with banks and other financial institutions with whom we have joint marketing agreements. Examples: your name, address and phone number.
These third parties must agree to keep your data confidential and not use it for any other reason.
We do not sell customer data. We do not provide customer lists to third parties to market non-financial services.
3. Confidentiality of Health Data
We may need to obtain personal health data to underwrite your policy or process your claims. We understand your concerns about the security of this data. We want to assure you that your personal health data will be held in strict confidence.
We will not share your personal health data for marketing or any unauthorized purpose. But we may share your personal health data for underwriting or servicing your policy or as permitted by law.
4. Data Security Standards
We maintain physical, electronic and procedural safeguards to protect your personal data. We restrict access to your personal data to only those persons necessary to provide products or services to you.
5. If You Do Not Want Us to Share Your Personal Data
If you do not want us to share your personal data with non-affiliated companies, you may tell us so. This is known as "opting out." If you wish to opt-out, call us at 833-Embark1 (833.362.2751). We may share data about you if we do not hear
from you within 30 days. However, you may opt-out at any time. Just call or write us. Even if you opt-out, we may still share data as allowed by law. This includes sharing data within our family of companies to market other products or services to you.
6. Your Right to Review and Correct Personal Data
If you wish to review your personal data, please send a written request to us at:
Embark General Insurance Agency, LLC
PO Box 105872
Atlanta, GA 30348-5872
Include your name, address, phone number and policy number. Let us know what kind of data you want to see. We may charge a small fee to collect and send the data to you. If you see any mistakes, let us know and we will review it. If we agree, we will
correct our files and, at your request, send corrections to anyone who received incorrect data from us in the past 2 years. If we disagree, you may file a short statement of dispute with us. Your statement will be included with any data we share in the
future. We will also send the statement to anyone you ask who received your data from us in the past 2 years.
7. We'll keep you informed
As our valued customer, we respect your privacy concerns. We will provide you with an annual notice. If our privacy policies change, we will inform you promptly.
