Privacy Policy

AT SAFE POLICIES INSURANCE WE ARE COMMITTED TO PROTECTING YOUR PRIVACY, BOTH ON THE INTERNET AND OFFLINE. THE MATERIAL BELOW DESCRIBES OUR PRIVACY PRACTICES FOR THIS WEBSITE. IF YOU HAVE ANY QUESTIONS ABOUT THIS POLICY, PLEASE CONTACT US.
INFORMATION WE COLLECT

When you enter our website, information is gathered from your Internet browser. This information may include your Internet protocol (IP) address (which allows us to determine the identity of your Internet Service Provider), your operating system, and the type of browser software that you are using to access the website. This information allows us to upgrade the website as necessary to optimize its efficiency.

USE OF COOKIES

We may use cookies to collect information about how you use our website. A “cookie” is a small text file that a website can place on your computer’s hard drive in order, for example, to retain your preferences and/or registration information for your next visit. The cookie transmits this information back to the website’s operator. We do not respond to a “Do Not Track” option on your browser, but you can choose not to receive a cookie file by enabling your web browser to refuse cookies or prompt you before accepting a cookie. Note that refusing to accept cookies may impact the performance of our website. However, at no time is sensitive information, such as your name, address or registration information, stored in a cookie.

PERSONAL INFORMATION

At this time, you are not required to provide us with personal information in order to access our website. However, certain optional features on our website may require you to submit some personal information in order to fully benefit from our services. Such information may include but is not limited to, your name, date of birth, address, email address, and phone number. For instance, contact and eligibility information is necessary if you are requesting insurance product information. Providing us with your personal information will also enable us to notify you as enhanced services become available on our website. Your personal information provided to us is subject to our general Privacy Policy and may be disclosed to our affiliates, including the American Medical Association. We encourage you to click here to view our general Privacy Policy | Terms of Use | Refund/Purchase Policy.

UNSOLICITED EMAIL

Should you voluntarily provide your personal information to us on our website, you may receive email messages from us. These messages will include timely announcements regarding enrollment, new products, and product enhancements. Each such email will include simple instructions should you decide you no longer wish to receive messages from us. Unless you elect not to receive such messages when submitting information to us on our website, you will receive these emails from us. Likewise, if at any time you request to be removed from one of our mailing lists, your email will be removed from that mailing list within ten business days. You can also always opt-out of receiving these email messages by contacting us by email, by phone at (212) 484-9888 or by mail at Safe Policies Insurance, Attention: Customer Care Center, 110 Wall Street, 3rd Floor, New York, NY 10005.

SECURITY PRECAUTIONS

We realize that foremost in the minds of privacy-conscious individuals is the security of information after its submission. All personal information collected in order to enable us to provide you with services is securely stored in databases. Additionally, access to the information stored on our databases is restricted to select employees and other authorized personnel, including those third parties necessary to perform services for us and for you. Where appropriate, we may employ firewalls, encryption technology, user authentication systems and access control mechanisms to control access to systems and data. If sensitive data is being transmitted, we will utilize security technology to ensure safe transmission. However, note that you should exercise discretion with respect to the submission of any personal or financial information. Transmitting information via the Internet is never completely secure and, thus, any information submitted may be intercepted, collected, used or disclosed by others. We will use appropriate technology to minimize that risk.

LINKS TO OTHER WEBSITES

Occasionally, we may provide a link to various sections of the websites of our affiliates, as well as pertinent links to third party websites including, but not limited to, insurance carriers, insurance brokers, and other financial and medical sites. All links to all sites are made without any representations or warranties relating to the integrity, security or legitimacy of such sites. Our privacy policy cannot and does not apply to external websites and once you leave our websites, you are subject to the privacy policies and procedures of those third parties. You should be certain to consult each external website’s own privacy policy before providing personally identifiable information. If you have concerns about any linked website, we invite you to contact us.

INTENDED FOR ADULTS ONLY

This website is intended for use only by adults. We will not knowingly solicit, collect or maintain personal data/information from children under the age of 18. However, in some instances, it may be necessary for customers or applicants to submit certain personal information of a child under the age of 18 in order to obtain or change coverage under an insurance or insurance-related product. Use of such information is strictly limited to those purposes and is never obtained absent the consent of the parent or guardian of the child.

LIMITED TO UNITED STATES RESIDENTS

Use of this website is limited to persons residing in the U.S. No part of this website is intended for use outside the U.S., and any information received from an identifiable non-U.S. resident will be disregarded.

EFFECTIVE DATE

This policy is effective as of January 1, 2014. We reserve the right to change this privacy policy at any time by posting a modified version on our website.

CONTACT US

If you have any questions about this policy or want to correct or update your contact information, simply contact us by email, by phone at (212) 484-9888 or by mail at Safe Policies Insurance, Attention: Customer Care Center, 110 Wall Street, 3rd Floor, New York, NY 10005. EMAIL US


Terms of Use

THESE TERMS AND CONDITIONS GOVERN YOUR USE OF THIS WEBSITE; BY USING THIS WEBSITE, YOU ACCEPT THESE TERMS AND CONDITIONS IN FULL. IF YOU DISAGREE WITH THESE TERMS AND CONDITIONS OR ANY PART OF THESE TERMS AND CONDITIONS, YOU MUST NOT USE THIS WEBSITE.
YOU MUST BE AT LEAST 18 YEARS OF AGE TO USE THIS WEBSITE. BY USING THIS WEBSITE AND BY AGREEING TO THESE TERMS AND CONDITIONS YOU WARRANT AND REPRESENT THAT YOU ARE AT LEAST 18 YEARS OF AGE.
THIS WEBSITE MAY ELECT TO USE COOKIES. BY USING THIS WEBSITE AND AGREEING TO THESE TERMS AND CONDITIONS, YOU CONSENT TO OUR SAFE POLICIES INSURANCE’S USE OF COOKIES IN ACCORDANCE WITH THE TERMS OF SAFE POLICIES INSURANCE’S PRIVACY POLICY / COOKIES POLICY.
LICENSE TO USE WEBSITE

Unless otherwise stated, Safe Policies Insurance and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved.

You may view, download for caching purposes only, and print pages or OTHER CONTENT from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.

Safe Policies Insurance and theSafe Policies Insurance logo are trademarks of  Safe Policies Insurance, LLC. and may not be used without written permission.

You must not:

  • republish material from this website (including republication on another website);
  • sell, rent or sub-license material from the website;
  • show any material from the website in public;
  • reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
  • edit or otherwise modify any material on the website; or
  • redistribute material from this website except for content specifically and expressly made available for redistribution.

Where content is specifically made available for redistribution, it may only be redistributed within your organization.

ACCEPTABLE USE

You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without Safe Policies Insurance’s express written consent.

You must not use this website to transmit or send unsolicited commercial communications.

You must not use this website for any purposes related to marketing without Safe Policies Insurance’s express written consent.

RESTRICTED ACCESS

Access to certain areas of this website is restricted. Safe Policies Insurance reserves the right to restrict access to other areas of this website, or indeed this entire website, at Safe Policies Insurance’s discretion.

If Safe Policies Insurance provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential.

Safe Policies Insurance may disable your user ID and password in Safe Policies Insurance’s sole discretion without notice or explanation.

USER CONTENT

In these terms and conditions, your user content? means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.

You grant to Safe Policies Insurance a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to Safe Policies Insurance the right to sub-license these rights, and the right to bring an action for infringement of these rights.

Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or Safe Policies Insurance or a third party (in each case under any applicable law).

You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaints.

Safe Policies Insurance reserves the right to edit or remove any material submitted to this website, or stored on Safe Policies Insurance’s servers, or hosted or published upon this website.

Notwithstanding Safe Policies Insurance’s rights under these terms and conditions in relation to user content, Safe Policies Insurance does not undertake to monitor the submission of such content to, or the publication of such content on, this website.

NO WARRANTIES

This website is provided as is, without any representations or warranties, express or implied. Safe Policies Insurance makes no representations or warranties in relation to this website or the information and materials provided on this website.

Without prejudice to the generality of the foregoing paragraph, Safe Policies Insurance does not warrant that:

  • This website will be constantly available, or available at all; or
  • The information on this website is complete, true, accurate or non-misleading.

Nothing on this website constitutes or is meant to constitute, the advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.

LIMITATIONS OF LIABILITY

Safe Policies Insurance will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:

  • To the extent that the website is provided free-of-charge, for any direct loss;
  • For any indirect, special or consequential loss; or
  • For any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if Safe Policies Insurance has been expressly advised of the potential loss.

EXCEPTIONS

Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; nothing in this website disclaimer will exclude or limit Safe Policies Insurance’s liability in respect of any:

  • Death or personal injury caused by Safe Policies Insurance’s negligence;
  • Fraud or fraudulent misrepresentation on the part ofSafe Policies Insurance; or
  • The matter which it would be illegal or unlawful for Safe Policies Insurance to exclude or limit, or to attempt or purport to exclude or limit, its liability.
REASONABLENESS

By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable. If you do not think they are reasonable, you must not use this website.

OTHER PARTIES

You accept that, as a limited liability entity, Safe Policies Insurance has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against Safe Policies Insurance’s officers or employees in respect of any losses you suffer in connection with the website. Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect Safe Policies Insurance’s officers, employees, agents, subsidiaries, successors, assigns, and sub-contractors as well as Safe Policies Insurance.

UNENFORCEABLE PROVISIONS

If any provision of this website disclaimer is or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.

INDEMNITY

You hereby indemnify Safe Policies Insurance and undertake to keep Safe Policies Insurance indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by Safe Policies Insurance to a third party in settlement of a claim or dispute on the advice of Safe Policies Insurance’s legal advisers) incurred or suffered by Safe Policies Insurance arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

BREACHES OF THESE TERMS AND CONDITIONS

Without prejudice to Safe Policies Insurance’s other rights under these terms and conditions, if you breach these terms and conditions in any way, Safe Policies Insurance may take such action as Safe Policies Insurance deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

VARIATION

Safe Policies Insurance may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.

ASSIGNMENT

Safe Policies Insurance may transfer, sub-contract or otherwise deal with Safe Policies Insurance’s rights and/or obligations under these terms and conditions without notifying you or obtaining your consent. You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.

SEVERABILITY

If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

ENTIRE AGREEMENT

These terms and conditions, together with Privacy Policy and Refund/Purchase Policy, constitute the entire agreement between you and Safe Policies Insurance in relation to your use of this website and supersede all previous agreements in respect of your use of this website.

LAW AND JURISDICTION

These terms and conditions will be governed by and construed in accordance with the state of New York, United States of America, and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of New York County, the city of New York, NY.

CONTACT US

If you have any questions about this policy or want to correct or update your contact information, simply contact us by email, by phone at (212) 484-9888 or by mail at 2124849888.com, Attention: Customer Care Center, 110 Wall Street, 3rd Floor, New York, NY 10005. EMAIL US