Terms & Conditions
I understand that no coverage or changes will be considered bound or in force until I have received written or verbal confirmation from a licensed agent of L. Calvin Jones & Co.
I understand that any insurance terms and definitions are meant for general informational purposes and not meant as specific advice or recommendations. For detailed information, it is my responsibility to contact L. Calvin Jones & Co.
I understand that L. Calvin Jones & Co. will receive documentation of service requests, requests for information or declination for additional information which may become part of my customer file.
I understand that L. Calvin Jones & Co. will process service requests based on information provided through this site, and that I will receive confirmation of all changes to my coverage. I authorize all such changes, and assume the responsibility of notifying L. Calvin Jones & Co. in the event of errors or misunderstandings.
L. Calvin Jones & Co. will handle service requests in good faith based on registration information. All service requests will be confirmed to the client and the client must contact L. Calvin Jones & Co. in case of error.
Client is responsible for updating email address and other information in the event of change.
Insurance terms, descriptions of coverage, and other insurance information are not meant to be complete, and the client should contact L. Calvin Jones & Co., and always read the policy for complete information.
All insurance and non-insurance information is for general purposes and may not be up-to-date or complete.
Privacy Policies and Practices
L. Calvin Jones & Co. has always been committed to ensuring the privacy and confidentiality of the information it receives. Recently, Congress enacted the Financial Services Modernization Act, which requires that certain companies, including insurance agencies, inform their customers how personal information is collected or disclosed.
To assist in underwriting and servicing your business with us, we may obtain non-public personal information. It could be information we receive from you verbally or from emails, on applications or forms, such as name, address, phone and fax numbers, email address, Social Security number, drivers license number, assets, income, medical information, etc. We’ll get information from your transactions with us, as well as your current and past insurance companies such as payment history, account balance, claims information, coverages, and premiums, etc. We may obtain information from third parties or consumer reporting agencies such as motor vehicle report, insurance score, credit history, etc. In addition, for life, annuity, disability and health products, we may obtain your medical history with your permission. The nature and extent of the information we obtain varies based on the nature of the products and services you receive.
We do not disclose any
non-public personal information about our
customers or former customers to anyone, unless
the disclosure is necessary to service your
account, and is permitted by law. For example,
we may disclose non-public personal information
about you in the following situations: to carry
out a transaction that you request; to provide
information to companies who perform services on
our behalf to help us administer your insurance
policies and adjust claims; to comply with a
validly issued and enforceable subpoena or
summons.
We do not sell information about our customers.
If you only supply us with your postal address
on-line you will receive the information you
requested only by mail. If you supply us with
your telephone numbers on-line, you may receive
telephone contact from us. If you give us your
email address, you may receive email from us in
the future.
The importance of security for all personally
identifiable information associated with our
guests is of utmost concern to us.
Unfortunately, no data transmission over the
Internet can be guaranteed to be 100% secure. As
a result, while we strive to protect your
personal information,
L.
Calvin
Jones & Co. cannot ensure or warrant the
security of any information you transmit to us
or from our online applications, products or
services, and you do so at your own risk. Once
we receive your transmission, we make our best
effort to ensure its security on our internal
systems.
This web may contain links to other web sites.
L.
Calvin
Jones & Co. is not responsible for the
privacy practices or the content of such web
sites. Contact the authors or webmasters at
those sites for their privacy practice
statement.
Use of Cookies
L.
Calvin
Jones & Co. may place an electronic
"cookie" in the browser files of a guest's
computer. Cookies are pieces of information
that a web site transfers to your browser, which
can then be stored on an individual's computer
hard drive for record-keeping purposes or to
provide you with tailored information. Cookies
themselves do not enable us to access any
personal information about our visitors.
However, they do allow
L.
Calvin
Jones & Co. to analyze guests' use of our
sites with information like: the date and time
you access our site; the pages you visit; the
type of browser and operating system used to
access out site; the Internet Protocol (IP)
address from which you accessed our site; and
your internet domain (ABCcompany.com). This
analysis helps us better understand which areas
of our site are most useful and popular so we
can plan improvements and updates accordingly.
L.
Calvin
Jones & Co. does not use cookies to
retrieve information from a visitor's computer
that was not originally sent in a cookie.
L.
Calvin
Jones & Co. will never save passwords,
credit card or other sensitive information in
cookies. You may set your browser to notify you
when you receive a cookie, giving you the
opportunity to decide whether or not to accept
it. For more information on cookies and their
use, please refer to the Help facility within
your browser.
An IP address is a number that's automatically
assigned to your computer whenever you are
connected to the Internet and surfing the Web.
Web pages automatically identify your computer
by its IP address.
L.
Calvin
Jones & Co. collects IP addresses for the
purposes of system administration, and to audit
the use of our site. When guests request pages
from
L.
Calvin
Jones & Co., our servers log the guests'
IP addresses. We do not normally link IP
addresses to anything personally identifiable,
which means that a user's session will be
logged, but the user remains anonymous to us.
We will use IP addresses to identify a user when
we feel it is necessary to enforce compliance
with our house rules or terms of service or to
protect our service, site, customers or others.
.
Email Communication
We recognize that SPAM is
an ever-growing problem. We protect your email
address as is if it were our own. We do not
share email addresses with anyone other than
your insurance company or one you’re applying
to. All email addresses are stored on secure
servers with multiple layers of protection. By
sharing your email with us, you consent to
periodic newsletters and communications from
L.
Calvin
Jones & Co. You can always opt out of
these communications by contacting us.
Jurisdiction and Enforceability
Use of this web site is governed by the laws of
the state of Ohio other than laws governing
conflicts of laws. The exclusive venue for the
resolution of any related dispute is a court of
competent jurisdiction in Canfield, Ohio.
If any part of these terms and conditions are
invalidated by a court of competent
jurisdiction, the invalid provision(s) are
deleted and the remaining provisions are not
affected and remain valid and enforceable in
accordance with the express terms thereof.
Loss Prevention
Any loss prevention or hazard management advice
presented in this site is intended as general
information of interest to the general public
for controlling or minimizing the potential for
injuries to persons and property and resulting
losses occurring in the home, on the road, in
workplaces, business environments, and other
specified circumstances or situations. In
providing this information,
L.
Calvin
Jones & Co. does not warrant that all
potential hazards or conditions have been
evaluated or can be controlled, or that such
risks or losses are covered under the insurance
polices or programs described in this site. This
information is not intended as an offer to
insure such conditions or exposures, or to
indicate that
L.
Calvin
Jones & Co. .will underwrite such risks.
L.
Calvin
Jones & Co. assumes no liability for
insurance contracts issued by any insurance
company it represents. Any losses are subject
to the specific written terms and conditions of
actual insurance policies issued by these
companies.
Third-Party Sites
This site may contain links to other Internet
sites ("third-party sites") that are not
maintained by
L.
Calvin
Jones & Co.. These links are provided
solely for your convenience. Since other sites
are not under our control, we cannot guarantee
the quality, accuracy, or timeliness of those
sites.
L.
Calvin
Jones & Co. makes no warranties or
representations about, and disclaims any
responsibility for, the contents of any products
or services offered in such third-party sites.
Any reference to a linked site or any specific
product or service by name does not constitute
or imply its endorsement by
L.
Calvin
Jones & Co. Questions about the content
of those sites should be directed to their
authors.
It is up to you to take precautions to ensure
that whatever you select for your use is free of
such items as viruses, worms, trojan horses,
malicious codes and other items of a destructive
nature. IN NO EVENT WILL
L.
Calvin
Jones & Co. BE LIABLE TO ANY PARTY FOR
ANY LOSS OR DIRECT, INDIRECT, INCIDENTAL,
SPECIAL OR CONSEQUENTIAL DAMAGES CAUSED BY USE
OF THIS WEB SITE, OR ANY OTHER HYPERLINKED WEB
SITE.
Products and Services
The information and descriptions of products and
services contained in this site are intended as
general information and do not contain all of
the terms, conditions and exclusions applicable
to the products and services offered by
L.
Calvin
Jones & Co. and it’s insurance companies.
The precise coverage afforded is subject to the
terms and conditions of the policies as issued,
and may vary from the general descriptions in
this site. This Web site does not amend, modify,
or supplement the policies. Availability of the
products and services described varies by state.
Always consult the actual policy for details
regarding terms, conditions, definitions,
coverages, and exclusions. Contact us to
discuss products, services, and programs which
may be available to you.
Please note that none of the information
contained in this Web site should be viewed as
an offer to sell, or as a solicitation to
purchase, any of our products or services.
Rather, the information on our products and
services is provided to you so that you can
learn what products
L.
Calvin
Jones & Co. generally offers. We believe
there is not one policy to fit all people and
insurance should be carefully tailored to the
needs of the individual, business, or other
organization. While we gather information, and
may even offer premium indications, personal
contact with one of our professionals becomes
necessary prior to an actual sale.
L.
Calvin
Jones & Co. is committed to the concept
of personal service.
Warranties Disclaimers
The materials contained in this site, and in
linked sites, directly or indirectly accessible
from this site, are provided WITHOUT WARRANTIES
OF ANY KIND, EITHER EXPRESS OR IMPLIED,
INCLUDING BUT NOT LIMITED TO ALL IMPLIED
WARRANTIES OF MERCHANTABILITY, FITNESS FOR A
PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT.
L.
Calvin
Jones & Co. makes no claims, promises, or
guarantees about the accuracy, completeness, or
adequacy of the contents of this Web site, and
expressly disclaims liability for errors and
omissions in the contents of this Web site. No
warranty of any kind, implied, expressed or
statutory, including but not limited to the
warranties of non-infringement of third party
rights, title, merchantability, fitness for a
particular purpose, and freedom from computer
virus, is given with respect to the contents of
this Web site or its links to other Internet
resources.
Reference in this Web site to any specific
commercial products, processes, or services, or
the use of any trade, firm, or corporation name
is for the information and convenience of the
public, and does not constitute endorsement,
recommendation, or favoring by
L.
Calvin
Jones & Co.
Ownership information presented on this Web site
is considered public information and may be
distributed or copied.
L.
Calvin
Jones & Co. has the unlimited right to
use for any purpose all information submitted to
L.
Calvin
Jones & Co. by this site except those
submissions made under separate legal contract.
This Web site and the information it contains
are provided as a service by
L.
Calvin
Jones & Co. This system is monitored to
ensure proper operation, to verify the
functioning of applicable security features, and
for comparable purposes. Anyone using this
system expressly consents to such monitoring.
Unauthorized attempts to modify any information
stored on this system, to defeat or circumvent
security features, or to use this system for
other than its intended purposes are prohibited
and may result in criminal prosecution.