H. Robert Anderson & Associates, Inc.
Briefly About Us
H. Robert Anderson & Associates, Inc. has been serving both commercial and personal insurance clients since 1983, with an emphasis on services for the professional design and professional accounting communities.
For More Information Please call: 952-893-1933
Terms and Conditions for H. Robert Anderson & Associates, Inc. website
Terms and ConditionsLast updated: May 04, 2022
Please read these terms and conditions carefully before using Our Service.Interpretation and DefinitionsInterpretationThe words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.DefinitionsFor the purposes of these Terms and Conditions:Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.Country refers to: Minnesota, United StatesCompany (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to H. Robert Anderson & Associates, Inc., 8201 Norman Center Drive #220, Bloomington, MN 55437.Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.Feedback means feedback, innovations or suggestions sent by You regarding the attributes, performance or features of our Service.Service refers to the Website.Terms and Conditions (also referred as "Terms") mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.Third-party Social Media Service means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included or made available by the Service.Website refers to H. Robert Anderson & Associates, Inc. website, accessible from hrandersoninsurance.comYou means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.AcknowledgmentThese are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions then You may not access the Service.You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.Intellectual PropertyThe Service and its original content (excluding Content provided by You or other users), features and functionality are and will remain the exclusive property of the Company and its licensors.The Service is protected by copyright, trademark, and other laws of both the Country and foreign countries.Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of the Company.Your Feedback to UsYou assign all rights, title and interest in any Feedback You provide the Company. If for any reason such assignment is ineffective, You agree to grant the Company a non-exclusive, perpetual, irrevocable, royalty free, worldwide right and license to use, reproduce, disclose, sub-license, distribute, modify and exploit such Feedback without restriction.Links to Other WebsitesOur Service may contain links to third-party web sites or services that are not owned or controlled by the Company.The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that You visit.TerminationWe may terminate or suspend Your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions.Upon termination, Your right to use the Service will cease immediately.Limitation of LiabilityNotwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of this Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 USD if You haven't purchased anything through the Service.To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.
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
Terms and ConditionsLast updated: May 04, 2022
Please read these terms and conditions carefully before using Our Service.Interpretation and DefinitionsInterpretationThe words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.DefinitionsFor the purposes of these Terms and Conditions:Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.Country refers to: Minnesota, United StatesCompany (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to H. Robert Anderson & Associates, Inc., 8201 Norman Center Drive #220, Bloomington, MN 55437.Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.Feedback means feedback, innovations or suggestions sent by You regarding the attributes, performance or features of our Service.Service refers to the Website.Terms and Conditions (also referred as "Terms") mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.Third-party Social Media Service means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included or made available by the Service.Website refers to H. Robert Anderson & Associates, Inc. website, accessible from hrandersoninsurance.comYou means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.AcknowledgmentThese are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions then You may not access the Service.You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.Intellectual PropertyThe Service and its original content (excluding Content provided by You or other users), features and functionality are and will remain the exclusive property of the Company and its licensors.The Service is protected by copyright, trademark, and other laws of both the Country and foreign countries.Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of the Company.Your Feedback to UsYou assign all rights, title and interest in any Feedback You provide the Company. If for any reason such assignment is ineffective, You agree to grant the Company a non-exclusive, perpetual, irrevocable, royalty free, worldwide right and license to use, reproduce, disclose, sub-license, distribute, modify and exploit such Feedback without restriction.Links to Other WebsitesOur Service may contain links to third-party web sites or services that are not owned or controlled by the Company.The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that You visit.TerminationWe may terminate or suspend Your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions.Upon termination, Your right to use the Service will cease immediately.Limitation of LiabilityNotwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of this Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 USD if You haven't purchased anything through the Service.To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.
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
Privacy Statement We value you (or your business) as a client and we take your company’s privacy as well as your personal privacy seriously. We hereby make public our policies for collecting, using, securing, and sharing non-public personal “customer information.”(Non-public information meaning information not available to the public.)Our Privacy Principles• We do not disclose any nonpublic, personal information about our customers to anyone, except as permitted by law. We do not sell, disseminate, and disclose, trade, lease or rent, any information about our customers to mailing list companies or to mass marketing organizations.• We do not provide customer information to persons or organizations outside our Agency other than for the purposes of providing you with insurance services, such as marketing your insurance, placing your insurance, servicing that insurance, and assisting in the claims handling process etc.• We do not offer a right to ‘opt-out’ since we only share information about you with others as permitted or required by law.
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.
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.
Thank you for your Interest in our Company.
