MULTICO RATING SYSTEM INCORPORATED

MULTICO TERMS OF USE AND PRIVACY POLICY


This insurance quote website (the “Website”) is powered by MULTICO Rating Systems Incorporated (“MULTICO”), but brought to you by the insurance agency or brokerage named on the Website (the “Agency”). The Website collects information from you for purposes of the Agency and insurance companies that the Agency works with obtaining and providing you with an insurance quote.

MULTICO is not affiliated with and is not an agent of any insurance company or of the Agency and has no control over the actions of the Agency or insurance providers. Your use of this Website is subject to any terms of use and/or privacy policy of the Agency through which you access the Website.

THE WEBSITE AND ANY RELATED THIRD-PARTY SOFTWARE, SERVICES, OR APPLICATIONS ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. MULTICO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS. MULTICO DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE WEBSITE WILL BE ACCURATE, UNINTERRUPTED OR ERROR-FREE OR THAT DEFECTS WILL BE CORRECTED. YOU ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE WEBSITE IS AT YOUR OWN RISK.

MULTICO SHALL NOT BE RESPONSIBLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES OF ANY KIND, ARISING FROM YOUR USE OF OR ACCESS TO THE WEBSITE, EVEN IF MULTICO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE WEBSITE, OR ANY PORTION THEREOF, YOUR EXCLUSIVE REMEDY SHALL BE TO CEASE USING THE WEBSITE.

TYPES OF PERSONAL INFORMATION WE COLLECT AND SHARE

To obtain an insurance quote for insurance coverage, you must provide information such as your name, address, social security number, education level, occupation, date of birth, marital status, driver's license number, and claims history (collectively, “Personal Information”). By submitting Personal Information on this Website, you authorize MULTICO: (a) to disclose and transmit such Personal Information to third parties, including the Agency, various insurers, and credit reporting agencies; (b) to store such Personal Information solely for and on behalf of the agency; and (c) to create and sell aggregated statistics that are based, in part, upon your Personal Information, but which does not disclose such Personal Information in a manner that would identify you, to use such aggregated statistics for any purpose and to disclose such aggregated statistics to third parties.

MULTICO does not and cannot control how the Agency, insurers and other third parties use your Personal Information, and use of your Personal Information by any of the foregoing is governed by such third parties’ privacy policy and practices.

SECURITY MEASURES

MULTICO takes the security of your Personal Information very seriously. To prevent unauthorized access, maintain data accuracy, and ensure the appropriate use of information, appropriate procedures are in place to safeguard and secure the information collected online. This includes the use of Secure Sockets Layer (SSL) encryption on all web pages where Personal Information is required. Using a SSL-enabled browser, such as Internet Explorer, protects the confidentiality of your Personal Information while it’s transmitted over the Internet.

The Website is not directed at or permitted to be used by children under the age of 13. IF YOU ARE UNDER THE AGE OF 13, THEN PLEASE DO NOT USE OR ACCESS THE WEBSITE AT ANY TIME OR IN ANY MANNER. If we learn that someone under the age of 13 has provided Personal Information, MULTICO will use reasonable efforts to remove such information from our records and will request that insurers remove such information from their records. If you are a parent or guardian and discover that your child under the age of 13 is using the Website, then you may contact us, and request that MULTICO delete that child’s Personal Information from our systems.

© MULTICO Rating Systems Incorporated, 2009.