Privacy policy.

Terms and Conditions

Introduction

Welcome to Grace One Insurance. These terms and conditions govern your use of our website and any related services, products, or applications (collectively referred to as the "Services"). By accessing or using our website, you agree to be bound by these terms and conditions, along with our Privacy Policy.

Eligibility

You must be at least 18 years old and have the legal capacity to enter into binding contracts to use our Services. By using our website, you represent that you meet these requirements.

Disclaimer

The content provided on our website, including but not limited to information about life insurance policies and other financial products, is for general informational purposes only.

Insurance Products

Our website may provide information about various life insurance policies and financial products. However, the availability, terms, and conditions of these products may vary and are subject to change. We do not provide specific financial or insurance advice through our website.

Intellectual Property

All content, logos, trademarks, and other materials on our website are the property of Grace One Insurance or its licensor and are protected by intellectual property laws. You may not use, copy, reproduce, modify, or distribute any of our content without obtaining prior written permission from us.

Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use or inability to use our Services.

Indemnification

You agree to indemnify and hold Grace One Insurance, its affiliates, officers, directors, employees, and agents harmless from any claims, liabilities, damages, losses, or expenses (including attorneys' fees) arising out of your use of our services or your violation of these terms and conditions.

Governing Law

These terms and conditions shall be governed by and construed in accordance with the laws of The United States of America, without regard to its conflict of laws principles.

Changes to Terms & Conditions

We reserve the right to update or modify these terms and conditions at any time without prior notice. Your continued use of our website after any changes shall constitute your acceptance of the revised terms.

If you have any questions or concerns regarding these terms and conditions or our Services, please contact us at nicole@graceoneinsurance.com

Privacy Policy

Authorization of Use

Grace One Insurance hereby authorizes any person to access this Website for informational purposes only. Grace One Insurance reserves the right to terminate access to this Website at any time without notice. The data, information, and material included on this Website is copyrighted by Grace One 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 Grace One Insurance.

No Warranties

The user of this Website assumes all responsibility and risk for the use of this Website and the Internet generally. Grace One Insurance and its affiliated persons and 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 non-infringement. Grace One Insurance and its affiliated persons and companies have the right to discontinue, change, or update any data, information, or material included on 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 Grace One Insurance or its affiliated persons and companies shall create any warranty. Neither Grace One Insurance nor its affiliated persons and companies warrant that the data, information, and material included on 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 and financial 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 Grace One Insurance or its affiliated persons and companies be liable for any compensatory, special, direct, incidental, indirect, or consequential damages, exemplary damages, or any damages whatsoever resulting from the 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 on 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, Grace One Insurance and its affiliated persons and companies take no responsibility for the content or information contained on those other sites and do not exert any editorial or other control over those other sites.

Electronic Communications

Grace One Insurance will not be deemed to have accepted any electronic communication unless Grace One Insurance provides the sender of the electronic communication with an acknowledgment verifying receipt of the communication. If Grace One Insurance sends any electronic communication, Grace One Insurance will assume the communication was received intact by the intended recipient. The recipient of such a message must notify Grace One Insurance if the transmission was not received or was not received in a readable format.

Security

Despite the security measures taken by Grace One 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 Grace One Insurance disclaims all liability resulting from such interception or disclosure. Anyone who wishes to apply for an insurance quote and is concerned about maintaining the security of their personal information may mail the information to Grace One Insurance.

Privacy Statement

Grace One 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: Grace One Insurance is the owner of the information 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 or financial product from us. When you enroll in an insurance policy or financial product with Grace One 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 or finance company when you purchase your policy so they can establish you as a policyholder. We will maintain a record of your information at the offices of Grace One Insurance, so we can provide you with policyholder service. The employees of Grace One 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 or financial product from Grace One Insurance, you will pay the premiums with your bank, 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 the policy packet supplied by your provider. 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 a personal check, the provider will keep a copy of your check in your file. When you send us e-mail from this website or complete forms on this Website, you will provide us with certain personally identifiable information, including your e-mail address. We may share this information with third parties who provide us services in the normal course of business, including, but not limited to, insurance carriers, financial companies, and their affiliates.

(No text opt-in consent data will be sold or shared with third parties for promo or marketing.)

We transmit non-personally identifiable information to third-party service providers (e.g., Google) that collect website statistics. We may also transmit non-personally identifiable information to third-party service providers that may use such information during your visits to this and other websites to provide advertisements about goods and services likely to be of greater interest to you. One method of collecting such information is through the use of 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 a cookie when you visit this site. At Grace One 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. Use of cookies helps us to improve our Website and to deliver a better and more personalized service by enabling us to estimate our audience size and usage patterns, store information about your preferences allowing us to customize our Site according to your individual interests, speed up your searches, and recognize you when you return to our Website. You may refuse to accept cookies by activating the appropriate setting on your browser. However, if you activate such a setting, you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website. 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 Grace One 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 Grace One Insurance is not responsible for the content of third-party Websites linked to Grace One Insurance, nor are we responsible for the privacy policy or practices of third-party Websites linked to Grace One Insurance. Our Privacy Policy only applies to information we collect from you while you are actively in connection with Grace One Insurance. If you should link to a third-party Website from Grace One 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.

Grace One Insurance logo and other marks, including the names of various products and services described within and offered by companies represented by Grace One 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 Grace One 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.

Grace One Insurance