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