H. Robert Anderson & Associates, Inc.
Briefly About Us
Terms and ConditionsLast updated: May 04, 2022
Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party's liability will be limited to the greatest extent permitted by law.
"AS IS" and "AS AVAILABLE" DisclaimerThe Service is provided to You "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.Without limiting the foregoing, neither the Company nor any of the company's provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.Governing LawThe laws of the Country, excluding its conflicts of law rules, shall govern this Terms and Your use of the Service. Your use of the Application may also be subject to other local, state, national, or international laws.Disputes ResolutionIf You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.For European Union (EU) UsersIf You are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which you are resident in.United States Legal ComplianceYou represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.
Severability and WaiverSeverabilityIf any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.
WaiverExcept as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not effect a party's ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach.
Translation InterpretationThese Terms and Conditions may have been translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute.
Changes to These Terms and ConditionsWe reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material We will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.
By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the website and the Service.
Contact UsIf you have any questions about these Terms and Conditions, You can contact us:
By phone number: 952-893-1933
Information We May Collect and from Whom During the course of business to provide you with insurance products and to service your insurance needs, we may collect both public and non-public personal information about you and/ or your company. Most of this information may come from you through applications, conversations and other means of communication both electronic and non-electronic. We may also obtain information from insurance companies (payment history or claims information or history or other information), affiliates, consumer reporting agencies, credit reporting services, agencies that provide driving histories, health testing companies or other similar outside sources.Information we may DiscloseWe may share the information to obtain insurance policies from companies, to process your claims, ensure proper billing, service your accounts, market your account, and offer you other insurance products that we believe may suit your needs. We may, without authorization but only as permitted or required by law, provide your information to our affliliates and other outside parties in order to fulfill a transaction you have requested, service your policy, market our products to you, investigate and/or handle claims, detect and/or prevent fraud, to insurance departments or other federal, state, or local legal authorities in connection with the regulation of business or to comply with laws and regulations, to respond to warrants, subpoenas, or other court orders, to participate in insurance support organizations..We share information about your transactions (such as payment of premium) and your experiences with us (such as your claims) within our office and with the companies with whom we have placed or marketed your coverages in order to better serve you and assist in meeting your needs. We share customer information as necessary to handle your claims.If you give us information about other persons we will use it for the purpose you provide it but you are responsible for obtaining any required permission to do this.When information about you is disclosed to others we expect them to protect your information and to use the information only for the limited purpose for which it was shared. Security of your Customer Information:Our Agency secures your customer information from unauthorized access, use or disclosure. We maintain physical, electronic, and procedural safeguards to guard your information. The Agency uses a combination of industry typical security measures to the information that it collects. Such measures change from time to time. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. The Agency makes no representations or warranties of any kind, expressed or implied, that such measures will protect all information collected, however the Agency will make reasonable efforts to protect such information from unauthorized access. Agency shall not be liable for any unlawful acts of others who steal this information through any means. Information of Children: It is the Agency’s policy not to collect personal information of children under the age of 13. If it is necessary to collect such personal information from a child identified as being under the age of 13 Agency will do so only after obtaining verifiable parental consent. If Agency becomes aware that it has inadvertently collected personal information from a child under the age of 13 without parental consent, such personal information will be deleted from the Agency’s system. Additional Information:We may change this Privacy Notice at any time. If we make material changes to this Privacy Notice we will notify you.