Privacy Policy
LowSurance Respects Your Privacy
Protecting your privacy is very important to us. We take our obligation to safeguard and secure your personal information very seriously. We want you to understand how we protect your privacy and when we collect and use your information.
Table of Contents
Services Available on this site
Providers
Proprietary Rights
User Submission
Privacy Policy:
LowSurance is committed to protecting your privacy. If you have any questions about how we safeguard your information, call us at (866) 955-4Low.
This privacy policy is designed to provide you with information on our policies regarding the collection and disclosure of information relating to your use of this Site. Your use of this Site signifies your understanding and acceptance of the terms relating to the use of this Site. This Privacy Policy governs the use of obtaining information in providing you with an insurance quote.
You must be at least 18 years old to provide any personal information to this Site or any other affiliate of the Site.
Personably Identifiable: Consumer Information:
Information collected to process your order including, but not limited to, personal information and application data; name, mailing address, telephone numbers and/or email address; driving license information, prior history, information relating to the insured; names, ages,, marital status, driving records, prior insurance, vehicle information, education and any and all pertinent and sensitive information to process your quote will be safeguarded by the Terms and Conditions and Web Site privacy Policy of the Site. Other than as set forth in this Private Policy, and unless given permission by you to do so, LowSurance will not sell or disclose your personal information to third parties.
Usage of Information:
Information collected through this site may be used to process your applications to receive quotations or to send you information about our and our affiliates’ products and services and other information that may be of interest to you.
Application data may be forwarded to insurance agents, program representatives, brokers and/or companies who may contact you with a quote by e-mail, telephone, postal mail an or other forms of communication. We are not responsible, and shall not be liable, if any affiliate company/agency, agent, broker, discount program representative to whom we forward your application data violates our Privacy Policy or their own privacy policy, if any.
We may disclose your personal information to companies that perform technology of marketing services for their use in performing such services. We also reserve the right to disclose any information concerning you if required by law or to protect and defend our rights or the rights of the well being of our users or if you are involved in any illegal activity, even without subpoena, warrant or court order.
Affiliate Practices:
The privacy policy of an affiliate, advertiser or promotional service appearing at our site may differ from ours. We encourage you to read that policy before responding to that offer. This site may contain links or references to other web sites. We have no control over these sites and our private policy does not apply to these sites.
Your Consent:
By using this site, you consent and fully understand consent to the use of this information by LowSurance in your submission of this information, you authorize Brokers, Agents, Program Representatives and/or Insurance Professionals in the LowSurance Affiliate network to contact you directly with quotes via telephone, fax and e-mail regardless of the presence of your telephone number(s) on an local or national do not call list.
Terms Of Use:
The following terms and conditions (“Terms and Conditions”) govern the use of LowSurance.com and Toplowcostinsurance.com website (“The Site”). The sites are provided by LowSurance (the “Site Proprietor” or “we”). If you do not agree to these Terms and Conditions, DO NOT access or otherwise use the site. BY USING THIS SITE, YOU ACCEPT AND AGREE TO ALL TERMS AND CONDITIONS AS APPLIED TO YOUR USE OF THIS SITE. We may change the Terms and Conditions from time to time without notice to you, by posting such changes on the Site. By using the Site you agree to be bound by any such modification to the Terms and Conditions.
You may only use the site if you are domiciled in the United States and you are 18 years or older.
Services Available on the Site:
The purpose of the site is to provide consumers the ability to apply for insurance quotations and to receive insurance quotations from the network of licensed insurance agents, brokers, discount program representatives and other service providers. The information you provide us, which is needed to complete an on-line application, will be used to attempt to match you with appropriate licensed insurance agents, brokers or other companies that provide this service.
LowSurance is not an insurance company and does not issue insurance contracts or bind coverage. LowSurance does not guarantee that any of the insurance agents, brokers and/or companies will contact you or agree to provide you coverage. We are not responsible in any way, for the conduct of the insurance agents, brokers, companies or other third party service providers to whom we forward your insurance quotation requests. If you need personal advice, explanation of coverage. assessment of needs or specific policy recommendations, you should consult with an insurance agent, broker, or other qualified professional licensed in your state of domicile. We reserve all the rights to our Site and reserve the right, if for any reason, in our sole discretion, to terminate or change the contents of this Site, or restrict access to certain sections of the Site., including, but not limited to content, features or hour of availability without notice of penalty.
THERE IS NO CHARGE TO YOU FOR USE OF THE SITE.
Providers Section:
By registering with the Site, Providers agree to adhere to the same Privacy Policy as we do, for the expressed purpose of providing insurance quotations and are governed by these Terms of Use.
Proprietary Rights:
Any and all content, code, data and materials thereon used by you does not grant you ownership of the site. LowSurance owns solely and exclusively, including but not limited to, all rights, title interest, graphics, data, the look and feel, design and organization of the Site. Any commercial use or exploitation of the Site is strictly prohibited. You may view the content of the Site on your personal computer or other internet device and make single copies of the site for your own personal non-commercial use. If you make other use of this Site, except as otherwise provided above, you may violate copyright and other laws of the united States, other countries, as well as applicable state laws and be subject to liability from for such unauthorized use.
User Submission:
Users agree that, in the User information referred to you by this Site shall not be used in any way other than intended. In the course of your use of this Site, you may be asked to provide, or you may provide out of your own accord, information to us which you submit, for your application to receive insurance quotations. This may include information you submit to third parties via Lowsurance’s website for the purpose of obtaining a quotation. You acknowledge and agree that you are solely responsible for the accuracy and content of the User Submissions. We cannot be responsible for maintaining any User Submission that you provide to us, and we may delete or destroy any User Submissions, that in our sole discretion, are unlawful, unacceptable, undesirable, inappropriate or in violation of these Terms and Conditions.
User Conduct:
User agrees that, the user information referred to you by this Site, shall not be used in any way other than as intended. Your conduct with regards to persons who’s information you received for the express purpose of providing a quotation shall not be used in unlawful, threatening, harassing, tortuous, defamatory, vulgar, obscene, libelous or fraudulent way. No material shall be posted or transmitted to the site that contains explicit, or graphic depictions of accounts of sexual nature. Any act toward any person, who’s information was obtained through this Site, including invasive, or hateful behavior or conduct, would constitute a criminal offense or give rise to criminal and civil liability.
You also warrant and agree that you shall not: engage in spamming, flooding, harvesting of e-mail addresses or other personal information, database spidering, or any other acitivity with the purpose other than as expressed and agreed to. You agree that you will not use the Site in any manner that could damage, disable overburden, or impair the Site with any other party’s use and enjoyment of the Site.
You agree to defend, indemnify and hold the Site Proprietor and its owners, directors, officers, employees, agents, affiliates harmless from any and all claims, liabilities, costs and expenses, including reasonable attorney’s fees, arising in any way from your misuse of the Site, your placement or transmission of any message, content, information, software or other materials through the Site, or your breach or violation of the law or of these Terms and Conditions.
Disclaimer of Warranties:
WE HERBY DISCLAIM ANY WARRANTIES THAT, MAY EXPRESS OR IMPLY, THAT THE SITE OR THE SERVICES, CONTAINED HEREIN, WILL BE TIMELY, SECURE, UNINTERRUPTED OR ERROR FREE, OR THAT DEFECTS SHALL BE CORRECTED. WE MAKE NO WARRANTY THAT THE SITE WILL MEET USERS’ REQUIREMENTS. NO ADVICE, RESULTS OR INFORMATION, WHETHER WRITTEN OR ORAL, OBTAINED BY YOU FROM US OR THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE THEREIN. ALL SERVICES OF THIS SITE ARE PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED. IF YOU ARE DISSATISFIED WITH THE SITE, YOUR SOLE REMEDY IS TO STOP YOUR USE OF THE SITE.
Links to and from the Site:
You agree and acknowledge that we have no responsibility for the accuracy of information provided by websites that may link from and to this Site. Links to and from Linked Sites do not constitute an endorsement by or association with us of such sites. We do not author, edit or monitor these Linked Sites. You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by the use on such content, goods or services available on such Linked Sites.
Laws:
The Terms and Conditions and the relationship between you and us shall be governed by the laws of the State or Maryland without regard to any conflict of legal provisions. You agree that any use of action that may arise under the Terms and Conditions shall be commenced and be heard in the appropriate court in the State of Maryland. Persons who choose to access this Site from other locations do so on their own initiative, and ar responsible for compliance with local laws, if and to the extend that local laws are applicable. Our failure to exercise or enforce any right or provision of the Terms and Conditions shall not constitute a waiver of such right or provision. If any provision of the Terms and Conditions is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the Terms and Conditions remain in full force and effect. You agree that regardless of any statue or law to the contrary, any claim or cause of action by you arising out of or related to use of the Site or the Terms and Conditions must be filed by you within one (1) year after such claim or cause of action arose or be barred forever.