Our lawyers made us do this…
The information and material contained on this Web site is not an offer to sell or a solicitation to buy any security or any insurance product in any jurisdiction. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Not all products are available in all states. Exclusions, limitations and reductions may apply. This Web site briefly highlights insurance products offered by various insurance providers contracted with Phillips Stafford insurance Group and/or its affiliates. This website briefly highlights various insurance provider policies and their benefits. The contract is contained only in the policy of the provider.
When you visit PhillipsStafford.com we gather information about you that may be used to process and service your request for insurance products and services. Additionally we may use the information collected to offer you products and/or services that we feel may be of service to you. Some of the information collected may be non public, and or personal information that is provided by you, that we gathered by communications and transactions with you, through services performed for you, that we obtain from third-parties, or that we obtain through other means, all as permitted by law.
This includes information provided to us when you applied for products or requested services either, on the internet, by phone, or by other means. This information may include but is not limited to, your name, address, residents information, telephone number, email address, vehicle information, driver’s license information, driving history, current or former insurance information, social security number, educational background, date of birth, gender, marital status, medical history, tobacco usage, it also includes information from your communications with us as to what pages you have visited on PhillipsStafford.com and it affiliates, and also includes communications such as, letters, telephone calls, and emails.
This includes information collected by us from various organizations, such as consumer reporting agencies and/or other third parties. This would include information such as insurance histories, claims, consumer credit, motor vehicle reports, and demographic information. Such information obtained from insurance support organizations may be retained by them and disclosed to other persons as permitted by law.
The information mentioned in the above headings about our potential, current, and former customers may be disclosed as permitted or directed by the consumer/customer or as permitted or required by law. Disclosure of information by us may be provided to insurance agents, insurance support organizations such as government entities, claims administrators, and consumer reporting agencies, reinsurance companies, and affiliated and non-affiliated insurance companies. Disclosure of information may also be done to administer, effect, or enforce a transaction that you authorized or requested. All entities not affiliated with us with which we may share information, are required to keep the information confidential and to use it only for reasons that it was provided, except as permitted by law. This is a list of sample situations in which information may be disclosed: 1. We provide information about your policy to an adjuster or appropriate businesses who will make necessary repairs to a vehicle you own when a claim has been submitted. 2. When we collect information as an insurance agent for one of our business partners, we may use it to contact and inform you of offers regarding insurance that may be of interest to you. 3. We may pass your information between our agents, attorneys, appraisers, investigators, and/or others involved in servicing policies and claims, processing applications, sales, and marketing of our products and/or services. 4. Information my be supplied as required by subpoena, search warrant, or legal process. This may be law enforcement, government authorities, or state insurance departments when required by law or to protect our legal interests were we suspected of fraudulent or illegal activities. 5. At times we may deem necessary to provide your information to others to carryout insurance and/or professional functions. This may included but may not be limited to third parties such as consumer reporting agencies and/or those who are helping us with administrative services.
When you are a policyholder through the use of PhillipsStafford.com, we maybe be in contact with you in regards to your policy, products, and services. This may include notices on billing, changes to products and/or services, any confirmation of changes, and other communications specific to PhillipsStafford.com. Please note that you will not be able to unsubscribe from these communications that are in direct relation to your policy, our products, and our services. By purchasing of policies, products, and/or services, you agree to receive such communications. PhillipsStafford.com may periodically contact you about promotions from us or third parties. You do have the ability to unsubscribe from such communications.
PhillipsStafford.com will transfer your Personal Information to third parties when and if necessary to provide a product or offer you a service at your request from third parties while using PhillipsStafford.com’s websites or when responding to offers provided by PhillipsStafford.com.
PhillipsStafford.com may sell or transfer aggregated anonymous information about all persons or sub-groups of persons (non-individualized information).
If false or inaccurate information is provided, including in relation to a person’s identity and fraud is identified, details about this information, including customer Personal Information, will be passed to fraud prevention agencies. Law enforcement agencies may access and use any or all of this information to prevent fraud and or money laundering, for example when: checking details on applications for credit and credit related and other facilities; managing credit and credit related accounts or other facilities; recovering debt; checking details on proposals and claims for all types of insurance; and checking details of job applicants and employees.
PhillipsStafford.com reserves the right to disclose, transfer or sell your Personal Information to companies who are affiliated with PhillipsStafford.com in our sole discretion. If PhillipsStafford.com changes ownership through merger, acquisition, sale or other change of business status, it reserves the right to transfer or assign the right to use your Personal Information collected from PhillipsStafford.com’s websites.
All the information, products, content, and materials in this website, that can be accessed from this website, or in a third-party website are provided “as is” and without warranties of any kind either expressed or implied. This means that PhillipsStafford.com expressly disclaims all warranties, expressed or implied, including without limitation the implied warranties of merchantability and fitness for a particular purpose, and warranties of title and non-infringement. PhillipsStafford.com does not represent or warrant that the website will be uninterrupted and error-free, that defects will be corrected, or that this website, any emails sent from PhillipsStafford.com, or the server that makes it available are free of viruses or other harmful devices. PhillipsStafford.com does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of accuracy, correctness, reliability, or otherwise, nor that you will quality for products or services or that products or services offered through this website are available in your area. The descriptions and information contained herein are not intended to be complete description of all terms, exclusions and condition applicable to the products and services, but are provided solely for general information.
The information and materials provided in the website are for general reference, and may not describe all of the terms, conditions, and exceptions that apply to products and services. Coverages and their availability may vary depending on state of residence, individual circumstances, and minimum coverage limits that may be required in your area. The services and products on this website are only available in the areas and jurisdictions in which PhillipsStafford.com is properly licensed.
At PhillipsStafford.com we try to include accurate and up to date information on our website, although sometimes errors and omissions occur. Therefore PhillipsStafford.com makes no warranties or representations as to the accuracy of our website. PhillipsStafford.com nor any party involved in creating, delivering, or producing this website under any circumstances shall be liable for any damage, loss, injury, or claim, nor any indirect, incidental, consequential, special, exemplary or punitive damages of any kind whatsoever that may result from the use of, or the inability to use the website or the information or materials contained at this website or third-party website or information contained on a third-party website, whether such action is based in tort, negligence, contract, strict liability, or otherwise and even if PhillipsStafford.com or representative of PhillipsStafford.com has been advised of the possibility of such damages, even if arises out of or relates in any way to this website. Under no circumstances will PhillipsStafford.com total liability to you for all losses, damages, and causes of action exceed the total amount paid by you, if any, for using or accessing the website, materials and information in the website, or any third-party website. PhillipsStafford.com shall not be responsible or liable for any electronic or mechanical equipment failure, failure of telephone, interconnects, or communication lines, unauthorized access, theft, operation errors, strikes or labor difficulties, or any force majeure. PhillipsStafford.com shall not be liable nor assumes any responsibility for damages to, or viruses that may infect your computer equipment or any other property as a result of your use of, access to, or browsing in the website, this includes but is not limited to any data, text, images, materials, video, and/or audio that is downloaded from our website or any third-party website. PhillipsStafford.com reserves the right to deny access to and use of the website and its content if you violate any provision of the Terms and Conditions, and the right to seek all other possible remedies at law and in equity. By using or accessing PhillipsStafford.com or any third-party website you agree at your own expense to defend, indemnify and hold harmless PhillipsStafford.com from any demand and/or claim, which includes attorneys’ fees, made by a third party in connection or arising out of your use of, or access to the website, information and materials contained in the website, in any manner other than what is expressly authorized by these Terms and Conditions, your breach of these Terms and Conditions, or your violating any applicable laws or any rights of any third party. If you are in a state that does not allow the limitation of liability for specific damages, this or a portion of the limit of liability may not be applicable to you.
All materials in the website, including trademarks, trade names, service marks, logos, icons, or any other proprietary information are the property of PhillipsStafford.com and/or its affiliates or licensors and are protect by international copyright and trademark laws, all rights reserved. Use of such aforementioned items may be permitted only with explicit written permission from PhillipsStafford.com or a third-party that may own such items displayed on this website.
PhillipsStafford.com may be linked to other third-party websites which are not maintained nor governed by PhillipsStafford.com. Any links on this website to such third-party sites are offered as a convenience and for informational purposes only. By choosing to use such links you will be leaving this website. PhillipsStafford.com has not reviewed these third-party websites and will not be responsible for any of the third-party websites’ content nor does PhillipsStafford.com by linking to such websites imply approval or endorse them.
All content in the website is available only for your lawful, non-commercial, and personal use in connection with finding insurance and insurance products. Except what is expressly mandated by law, you are not allowed without explicit written permission from PhillipsStafford.com to link from another site to this website, copy, derive works from, modify, post, transmit, retrieve data from, distribute, republish, or sell anything you download or have obtained from this website.
The PhillipsStafford.com website is administered at its offices in West Des Moines, IA 50265. By choosing to use or access this website or material and information on this website, you are stating you are doing so based solely on your own initiative. PhillipsStafford.com makes no statement or representation that information and/or materials on this website are available and/or appropriate for use in in any geographic location, including without limitation to areas outside the United States, and access to information and/or materials on this website from territories where their contents are prohibited or illegal. PhillipsStafford.com is a United States based company and services United States residents only, but products and services are not available in all states. At PhillipsStafford.com the information on this website is not a solicitation to buy of to sell any insurance product in any jurisdiction, insurance products will not be sold in any location or jurisdiction in which such an offer, solicitation, purchase, and/or sale would be unlawful under insurance or any other laws of such jurisdiction. Any use of the information and/or materials on this website, or derived from this website that is in violation of any applicable regulations, laws, including without limitation, United States export regulations and laws is strictly prohibited. Your use and/or access of this website or its third-party affiliates is consider a consent to exclusive jurisdiction and venue in Polk County, Iowa and is and agreement to waive any defenses or objections based on lack of personal jurisdiction or venue.
At PhillipsStafford.com there are areas within the website where information submitted by you is permitted. Any submission made by any visitor to the website is an agreement to abide by the terms set forth herein, whereas they do not, PhillipsStafford.com will not accept and/or will delete: 1.) No submission will consist of, include, or invoke malicious software code, consist of electronic mass mailing, constitute commercial solicitation. 2.) Such submissions will not contain any content that is indecent, profane (including but not limited to words, abbreviations, symbols, phrases, terminology, nor combinations of such), illegal, derogatory, defamatory, political, threatening, or counter to PhillipsStafford.com’s policies, nor injuries to PhillipsStafford.com or any of its third-party affiliates. 3.) Submissions must not infringe in any way on trademark, copyright, or property rights of any other entity or person. 4.) Submissions cannot contain any confidential, secret, or proprietary information of any other entity or person. 5.) Submissions may not use personal information about other, which includes but is not limited to full name, postal address(s), telephone or cell number(s), email address(s), or any information deemed to be personal that could attribute to invasion of privacy and which would constitute harassment. 6.) Submission may not breach the legal rights of any entity or person in any location. 7.) Any visitor who uses a login or verification agrees to use valid information that accurately represents them solely, as it is prohibited to be misleading or impersonate any other person or entity. Any and all submissions made to the website become the sole property of PhillipsStafford.com and grants PhillipsStafford.com royalty free, continual, irrevocable, fully transferable, non-exclusive, sub-licensable and assignable right to edit, translate, modify, use, and adapt such submissions for any reason, for any location, and for any purpose, including advertising. Any and all submissions made to the website that are used, propagated, or displayed on PhillipsStafford.com or other affiliates may be attributed to the visitor unless directly expressed otherwise. PhillipsStafford.com reserves the right to choose which submissions will or will not be posted or used, and to remove submissions at its discretion but is under no obligation to do so. Any submissions also grant PhillipsStafford.com the right to seek enjoinment and possible damages from any third-party who used such submissions to PhillipsStafford.com in an unauthorized way or through an unauthorized reproduction of submission.