Acceptance of Agreement.
The content, organization, graphics, design, compilation, magnetic translation, digital conversion and other matters related to the Site are protected under applicable copyrights, trademarks and other proprietary (including but not limited to intellectual property) rights. The copying, redistribution, use or publication by you of any such matters or any part of the Site, except as allowed by Section 4 below, is strictly prohibited. You do not acquire ownership rights to any content, document or other materials viewed through the Site. The posting of information or materials on the Site does not constitute a waiver of any right in such information and materials. Some of the content on the site is the copyrighted work of third parties.
InsuranceComplaint.com and others are our service marks or registered service marks or trademarks. Other product and company names mentioned on the Site may be trademarks of their respective owners.
Limited License; Permitted Uses.
You are granted a non-exclusive, non-transferable, revocable license (a) to access and use the Site strictly in accordance with this Agreement; (b) to use the Site solely for internal, personal, non-commercial purposes; and (c) to print out discrete information from the Site solely for internal, personal, non-commercial purposes and provided that you maintain all copyright and other policies contained therein. No print out or electronic version of any part of the Site or its contents may be used by you in any litigation or arbitration matter whatsoever under any circumstances.
Restrictions and Prohibitions on Use.
Your license for access and use of the Site and any information, materials or documents (collectively defined as "Content and Materials") therein are subject to the following restrictions and prohibitions on use: You may not (a) copy, print (except for the express limited purpose permitted by Section 4 above), republish, display, distribute, transmit, sell, rent, lease, loan or otherwise make available in any form or by any means all or any portion of the Site or any Content and Materials retrieved therefrom; (b) use the Site or any materials obtained from the Site to develop, of as a component of, any information, storage and retrieval system, database, information base, or similar resource (in any media now existing or hereafter developed), that is offered for commercial distribution of any kind, including through sale, license, lease, rental, subscription, or any other commercial distribution mechanism.
Acceptance Of Terms
Description Of Services
Personal and Non-Commercial Use Limitation
Unless otherwise specified, the Services are for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any of the information, data or products obtained from the Services.PRIVACY AND PROTECTION OF PERSONAL INFORMATION
This is the web site of Claims Complaints, LLC Our postal address is:
43 West Front Street
Red Bank, NJ 07701
We can be reached via e-mail through the Contact Us form on our Web site .
We collect only the domain name, but not the e-mail address of visitors to our Web page, the e-mail addresses of those who communicate with us via e-mail, aggregate information on what pages consumers access or visit, information volunteered by the consumer, such as survey information and/or site registrations.
The information we collect is used, in some instances, for internal review, analyzed to improve the content of our Web page and used to notify consumers about updates to our Web site.
Insurance complaints filed by visitors to our site are retained indefinitely in a database intended to assist us in analyzing the performance of commercial vendors. Complaints are sometimes shared with expert consultants, regulatory and law enforcement authorities and responsible members of the news media. Also, the information the policy holder reports to us may be reviewed by attorneys at no cost to the consumer and can be used in the course of prosecuting claims and therefore may become a part of an official court record and/or proceeding.
Insurance complaints may also be forwarded to the companies about which the consumer is complaining. To receive such information, companies must agree that they will use the information only in an attempt to resolve the complaint and/or improve their practices, not for marketing purposes. They must also agree not to use the information for litigation purposes.
Policy Holders should be aware that information provided to us may be subpoenaed by courts of law and that in most instances we will be obligated to honor lawful court orders.
We do not make the e-mail addresses of those who access our site available to commercial organizations for marketing purposes except in the case of companies wishing to resolve consumer complaints.
If you supply us with your postal address on-line you will only receive the information for which you provided us your address.
Persons who supply us with their telephone numbers on-line will only receive telephone contact from us or third parties with information regarding their consumer complaint or inquiry. The information is not used for marketing purposes.
Advertising We use third-party advertising companies to serve ads when you visit our Web site. These companies may use information (not including your name, address, email address or telephone number) about your visits to this and other Web sites in order to provide advertisements about goods and services of interest to you.
Third Party Cookies In the course of serving advertisements to this site, our third-party advertiser may place or recognize a unique "cookie" on your browser. From time to time, we may use consumer information for new, unanticipated uses not previously disclosed in our privacy notice. If our information practices change at some time in the future we will post the policy changes to our Web site to notify you of these changes and provide you with the ability to opt out of these new uses. If you are concerned about how your information is used, you should check back at our Web site periodically.
If you feel that this site is not following its stated information policy, you may contact us at the above address.
Insurance Company Response Welcome: If complaints about your Insurance company appear on our site, we welcome your response. Alternatively, you can call us at 1-732-747-5335.
The information on this Web site is general in nature and is not intended as a substitute for competent legal advice. InsuranceComplaint.com makes no representation as to the accuracy of the information herein provided and assumes no liability for any damages or loss arising from the use thereof.
Notice Specific to Documents Available on this Web Site
Permission to use Documents (such as news stories, consumer comment compilations, white papers, press releases and FAQs) from the Services is granted, provided that (1) the below copyright notice appears in all copies, (2) use of such Documents from the Services is for informational and non-commercial or personal use only. Accredited educational institutions, such as K-12, universities, private/public colleges, and state community colleges, may download and reproduce the Documents for distribution in the classroom. Use for any other purpose is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.
Disclaimer of Liability
The information on the InsuranceComplaint.com Web sites is general in nature and is not intended as a substitute for competent legal advice. InsuranceComplaint.com makes no representation as to the accuracy of the information and assumes no liability for any damages or loss arising from the use thereof. All information is provided "as is" without warranty of any kind. InsuranceComplaint.com and/or its respective information suppliers and contractors hereby disclaim all warranties and conditions with regard to the information. The Services may contain inaccuracies or typographical errors. Changes are periodically made to the Services. InsuranceComplaint.com and/or its respective suppliers and contractors may make improvements, modifications and/or changes to the Services at any time without notice.
No Unlawful or Prohibited UseYou will not use the Services for any purpose that is unlawful or prohibited by these terms, conditions, notices or applicable laws and statutes. You may not use the Services in any manner that could damage, disable, overburden, or impair any InsuranceComplaint.com server, or the network(s) connected to any InsuranceComplaint.com server, or interfere with any other party's use and enjoyment of any Services. You may not attempt to gain unauthorized access to any Services, other accounts, computer systems or networks connected to any InsuranceComplaint.com server or to any of the Services, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Services.
Advertisements and Promotions
InsuranceComplaint.com runs advertisements and promotions from third parties on its Web sites. Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through our Web sites, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. InsuranceComplaint.com is not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on its Web sites. Such advertisements are presented and controlled by third-party advertising networks. InsuranceComplaint.com does not preview, examine or control the content of advertising messages, does not know or approve the identity of specific advertisers or products and services advertised. We do not endorse the truthfulness, suitability or value of any service or products advertised.
Use of Services
The Services may contain bulletin board services, forums, communities, complaint forms, comment forms, service rating forms and/or other message or communication facilities designed to enable you to communicate with others ("Communication Services"). You agree to use the Communication Services only to post, send and receive messages and material that are proper and, when applicable, related to the particular Communication Service. Without limitation, you agree that you will not:
- Use the Communication Services in connection with surveys, contests, pyramid schemes, chain letters, junk email, spamming or any duplicative or unsolicited messages (commercial or otherwise).
- Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
- Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, obscene, indecent or unlawful topic, name, material or information.
- Use any material or information, including images or photographs, which are made available through the Services in any manner that infringes any copyright, trademark, patent, trade secret, or other proprietary right of any party.
- Harvest or otherwise collect information about others, including names or e-mail addresses.
- Violate any applicable laws or regulations.
- Create a false identity for the purpose of misleading others.
InsuranceComplaint.com reserves the right to terminate your access to any or all of the Communication Services at any time, without notice, for any reason whatsoever. InsuranceComplaint.com reserves the right at all times to disclose any information as InsuranceComplaint.com deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in InsuranceComplaint.com's sole discretion.
By posting, uploading, inputting, providing or submitting ("Posting") any Submission of any kind, you are granting InsuranceComplaint.com, its affiliated companies and necessary sublicensees ownership of the Submission and permission to use your Submission in connection with the operation of their Internet businesses (including, without limitation, all InsuranceComplaint.com Services), including, without limitation, the license rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; to publish your name in connection with your Submission; and the right to sublicense such rights to any supplier of the Services.
No compensation will be paid with respect to the use of your Submission, as provided herein. InsuranceComplaint.com is under no obligation to post or use any Submission you may provide and InsuranceComplaint.com may remove any Submission at any time in its sole discretion.
No Responsibility or Links
Hypertext links on InsuranceComplaint.com's sites enable you to leave the InsuranceComplaint.com. site InsuranceComplaint.com is not responsible for the contents of any linked sites nor for any links contained in any such linked site, nor for changes, updates and modifications in such sites. The links are provided to you only as a convenience and the inclusion of any such link does not imply endorsement by InsuranceComplaint.com of the site, its contents, services and policies.
InsuranceComplaint.com does not accept unsolicited ideas, including ideas for new Web sites, news stories, advertising campaigns, promotions, products, services, technologies, processes or names. Please do not send any original creative property, samples, demonstrations, auditions, tear sheets, samples or related materials. We assume no responsibility for any such materials and do not promise their safekeeping or return.
New Jersey law and controlling U.S. federal law govern any action related to the Terms and/or your use of the Web sites. You agree to submit to the personal and exclusive jurisdiction of the courts located within the County of Monmouth in New Jersey.
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