Terms of Service

Eidman Insurance Agency

Effective December 19, 2024 - ToS v1.0.0

These Terms of Service ("Terms") govern your access to and use of our website, https://eidman.agency, and the services we provide (collectively, the"Service"). By accessing, browsing, or using our website or Services, you agree to be bound by these Terms, as well as our Privacy Policy (see below), which is incorporated herein by reference. If you do not agree to these Terms, you may not use our Services.

Eidman Insurance Agency is a licensed independent insurance agency that connects insureds with insurance carriers and providers, helps compare, evaluate, apply for, and services commercial and personal lines insurance policies. Please note that we are not an insurance provider, carrier, or underwriter of any insurance products.

It is important that you read these Terms carefully, as they contain important information about your rights, obligations, and limitations when using our Services. If you have any questions or concerns about these Terms, please contact us at info@eidmanagency.com

Definitions

For the purposes of these Terms of Service, the following definitions apply:

"Eidman Insurance Agency," "we," "our," or "us": Refers to Eidman Insurance Agency, a licensed independent insurance agency based in New York, including its affiliates, employees, agents, and representatives.

"Website": Refers to the website operated by Eidman Insurance Agency, accessible at https://eidman.agency, including any associated subdomains, services, or mobile applications.

"Services": Refers to all insurance brokerage services provided by Eidman Insurance Agency, including but not limited to:

Assisting users in obtaining insurance quotes.
Comparing, evaluating, and applying for insurance policies.
Servicing personal and commercial lines insurance policies.
Providing ongoing policy management and support.

"User," "you," or "your": Refers to any individual or entity accessing, browsing, or using our Website or Services, including insureds, applicants, or prospective clients.

"Quote": Refers to an estimated insurance premium or policy terms provided by an insurance carrier based on the information submitted by the user. Quotes are not guaranteed and are subject to underwriting by the insurance carrier.

"Application": Refers to the process of submitting information to an insurance carrier, facilitated by Eidman Insurance Agency, in order to apply for an insurance policy.

"Policy" or "Insurance Policy": Refers to the contractual agreement between the policyholder and the insurance carrier that outlines the terms, conditions, coverage, and limitations of the insurance coverage provided.

"Underwriting": Refers to the process by which an insurance carrier evaluates the risk of insuring an applicant and determines the terms, conditions, and pricing of the insurance policy.

"Premium": Refers to the amount of money a policyholder must pay to the insurance carrier in exchange for insurance coverage, as specified in the terms of the insurance policy.

"Claim": Refers to a formal request made by a policyholder to an insurance carrier for payment or coverage of a loss or event covered under the terms of the insurance policy.

"Binding Authority": Refers to the authority (or lack thereof) of Eidman Insurance Agency to bind insurance coverage on behalf of an insurance carrier. Eidman Insurance Agency does not have binding authority; all coverage is subject to approval by the carrier.

"Insured": Refers to the individual or entity who holds an insurance policy and is entitled to coverage under the terms of that policy.

"High-Risk Insurance": Refers to insurance policies designed for individuals, businesses, or properties that are considered high-risk by insurance carriers due to factors such as location, prior claims history, or other elevated risks.

"Proposal": Refers to a document or communication outlining potential coverage options, pricing, and terms provided by Eidman Insurance Agency for consideration by the user.

"Effective Date": Refers to the date on which an insurance policy begins providing coverage, as specified in the terms of the policy.

"Cancellation": Refers to the termination of an insurance policy by either the policyholder or the insurance carrier before its expiration date.

"Renewal": Refers to the process of extending an insurance policy for an additional term, typically subject to updated terms, conditions, and premium rates.

"Personal Lines Insurance": Refers to insurance policies that cover personal property or individual needs, including but not limited to:

Homeowners insurance (including coastal properties).
Automobile insurance.
Renters insurance.
Life and health insurance.
Umbrella liability coverage.

"Commercial Lines Insurance": Refers to insurance policies designed to meet the needs of businesses and commercial entities, including but not limited to:

General liability insurance.
Commercial property insurance.
Workers' compensation insurance.
Bonds and surety insurance.
Commercial fleet insurance.

"Third-Party Providers": Refers to insurance carriers, underwriters, or other third-party service providers with whom Eidman Insurance Agency collaborates to offer insurance products or services to users.

"Content": Refers to all materials available on the Website or provided through our Services, including but not limited to text, graphics, images, logos, videos, software, and other intellectual property owned or licensed by Eidman Insurance Agency.

"Policyholder": Refers to an individual or entity that has purchased an insurance policy through Eidman Insurance Agency.

"Account": Refers to a user account created on the Website to access certain features or services, including managing insurance policies or requesting quotes.

"Eligibility Requirements": Refers to the criteria users must meet to access or use the Services, as outlined in the Eligibility section of these Terms, including age, residency, and compliance with applicable laws.

"Terms": Refers to these Terms of Service, which govern your use of our Website and Services, including any updates or modifications.

"Privacy Policy": Refers to the Privacy Policy of Eidman Insurance Agency, which explains how we collect, use, store, and protect your personal information. The Privacy Policy is incorporated by reference into these Terms.

"Third-Party Links": Refers to hyperlinks or references on our Website that direct users to external websites or services not owned or operated by Eidman Insurance Agency.

"Force Majeure": Refers to events or circumstances beyond the reasonable control of Eidman Insurance Agency, including but not limited to natural disasters, government actions, labor disputes, power outages, or technical failures, which may impact the availability or performance of our Services.

"Jurisdiction": Refers to the State of New York, under whose laws these Terms of Service are governed, as specified in the Governing Law section.

Eligibility

To use the Services provided by Eidman Insurance Agency, you must meet the following eligibility requirements:

You must be at least 18 years old to access and use our Services, including applying for insurance policies through our platform. By using our Services, you represent and warrant that you meet this age requirement. If you are under 18, you are strictly prohibited from using our website or Services.

You must be a resident of one the following states:

Connecticut
Florida
Massachusetts
New Jersey
New York
Pennsylvania

By using our Services, you represent and warrant that you reside in one of these states. We are not licensed to provide insurance brokerage services outside of these states. If you are not a resident of one of the states listed above, you are prohibited from using our Services.

You must use our Services in compliance with all applicable laws and regulations. By accessing or using our website, you represent and warrant that your use of our Services does not violate any applicable laws or regulations in your jurisdiction.

You agree to provide accurate, complete, and up-to-date information during the registration or application process. Providing false or misleading information is illegal and will result in the termination of your access to our Services and criminal charges.

If you do not meet the eligibility requirements outlined above, you are prohibited from using our Services. We reserve the right to verify your eligibility at any time and suspend or terminate your access to our services if we discover that you do not meet these requirements.

Services Provided

Eidman Insurance Agency provides insurance brokerage services to help individuals and businesses obtain and manage insurance coverage. Our Services include, but are not limited to, the following:

Insurance Quotes: We assist users in obtaining insurance quotes from a variety of insurance carriers. By leveraging our expertise and network of providers, we aim to provide competitive options tailored to your specific insurance needs.

Policy Servicing: We provide ongoing support for managing insurance policies, including assisting with policy changes and renewals. Our goal is to ensure that your policies remain up-to-date and continue to meet your coverage requirements.

Personal Lines: We specialize in offering personal lines insurance policies, including but not limited to:

Life & Health
Homeowners (including coastal properties)
Automobile
Umbrella
Landlords
Renters
ATV & Motorcycle

Commercial Lines: Our brokerage services also extend to commercial insurance policies for businesses of all sizes. These include, but are not limited to:

General Liability
Commercial Property
Commercial Fleet
Bonds and Surety
Workers Compensation

User Responsibilities

You agree to provide complete, accurate, and up-to-date information when using our Services, including during the registration, application, and policy servicing processes. This includes, but is not limited to, your personal details, contact information, and any other information required to obtain insurance quotes or policies.

Providing false, misleading, or incomplete information may result in the denial of coverage, cancellation of policies, termination of your access to our Services, or criminal charges.

You agree to use our Services in compliance with all applicable federal, state, and local laws, regulations, and ordinances. You are prohibited from using our Services for any unlawful or fraudulent purposes.

You acknowledge and agree that it is your responsibility to review and understand the terms, conditions, and limitations of any insurance policy you purchase through our Services. While we strive to offer guidance and assistance, all policy terms are determined by the insurance carrier, and it is your responsibility to ensure the policy meets your needs.

You agree to receive communications from us electronically, including via email, text messages, or other means, as necessary to provide our Services. It is your responsibility to ensure that the contact information you provide is accurate and up-to-date.

If you purchase an insurance policy through our Services, you are responsible for making all premium payments directly to the insurance carrier or as instructed by the carrier and understanding the payment schedule and consequences of non-payment as outlined by the insurance carrier.

Failure to comply with these responsibilities may result in the suspension or termination of your access to our Services and, where applicable, legal action. We reserve the right to investigate and take appropriate action against any user who violates these Terms, including reporting unlawful activity to the appropriate authorities.

Disclaimers

Eidman Insurance Agency acts solely as an intermediary between users and third-party insurance providers. We do not issue, underwrite, or guarantee any insurance policies. The availability, terms, and conditions of insurance coverage are determined solely by the insurance carriers. We make no guarantees regarding the approval, pricing, or suitability of any insurance policies for your specific needs.

The content and materials provided on our website are for informational purposes only and should not be considered professional advice of any kind, as it relates to you, including but not limited to legal, financial, or insurance advice. You should consult directly with us regarding your specific circumstances before making any decisions.

Our Services may involve connecting you with third-party insurance carriers, underwriters, or other service providers. We do not endorse, control, or assume responsibility for the actions, practices, or terms of these third-party providers. Any disputes or claims related to your insurance policy must be resolved directly with the insurance carrier.

We reserve the right to modify, suspend, or discontinue any aspect of our Services upon policy expiration, according to state law.

We shall not be held responsible or liable for any failure or delay in the performance of our obligations due to causes beyond our reasonable control, including but not limited to acts of God, natural disasters, government actions, labor disputes, power outages, or technical failures.

Limitation of Liability

To the fullest extent permitted by applicable law, Eidman Insurance Agency, its affiliates, employees, agents, officers, directors, licensors, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages, including but not limited to:

Loss of profits, revenue, business opportunities, goodwill, or anticipated savings.

Loss of data, interruption of business, or other intangible losses.

Any damages resulting from:

Your use of or inability to use our Services.
Errors, omissions, or inaccuracies in the information provided by our website or Services.
The actions, decisions, or inactions of third-party insurance carriers or service providers.
Unauthorized access to or use of your account, personal information, or data.
Any other matter related to your use of our Services.

Some jurisdictions do not allow the exclusion or limitation of liability for certain types of damages. In such jurisdictions, our liability shall be limited to the fullest extent permitted by law.

By using our Services, you acknowledge and agree that the limitations of liability set forth in this section are a fundamental basis of the agreement between you and Eidman Insurance Agency. Without such limitations, we would not be able to provide our Services to you.

Third-Party Links and Services

Our website and Services may contain links to third-party websites, services, or resources that are not owned, operated, or controlled by Eidman Insurance Agency. These links are provided for your convenience and informational purposes only. We do not endorse, approve, or make any representations regarding the accuracy, reliability, or quality of the content, products, or services available from third-party websites.

You acknowledge and agree that your access to and use of any third-party websites or services is at your own risk and subject to the terms and conditions of those third parties. Eidman Insurance Agency is not responsible for the availability, content, or practices of any third-party websites or resources.

As part of our Services, we connect you with third-party insurance providers, carriers, or underwriters to assist you in obtaining insurance coverage. While we strive to work with reputable providers, we do not guarantee or take responsibility for:

The availability, suitability, or pricing of any insurance policies offered by third-party providers.

The accuracy, completeness, or reliability of any information provided by third-party providers.

The actions, decisions, or omissions of third-party providers, including their handling of claims, policy servicing, or customer support.

Any disputes or issues related to your insurance policy must be resolved directly with the respective third-party provider.

Eidman Insurance Agency is not liable for any damages, losses, or liabilities arising out of or related to your use of third-party websites, services, or insurance providers, including but not limited to:

Errors, omissions, or inaccuracies in third-party content or services.

Any transactions conducted between you and a third party.

The failure of a third-party provider to meet your expectations or fulfill its obligations.

When you interact with third-party websites or services through our platform, you may be subject to the terms and conditions, privacy policies, and practices of those third parties. We encourage you to review the applicable terms and policies before engaging with any third-party service.

We reserve the right to remove or disable any third-party links on our website at any time without notice. Eidman Insurance Agency is not responsible for any consequences arising from the removal or unavailability of third-party links.

Intellectual Property

All content, materials, and intellectual property displayed on or made available through Eidman Insurance Agency, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, software, and other materials (collectively, the "Content"), are the exclusive property of Eidman Insurance Agency, its affiliates, licensors, or other third-party content providers. Such Content is protected by copyright, trademark, trade secret, and other intellectual property laws.

The trademarks, service marks, logos, and trade names displayed on our website or Services (collectively, the "Marks") are the registered and unregistered trademarks of Eidman Insurance Agency or third parties.

You may not use, copy, reproduce, modify, distribute, or display any Marks without the prior written consent of Eidman Insurance Agency or the respective trademark owner.

You are prohibited from:

Copying, reproducing, distributing, or publicly displaying any Content or Marks without our prior written consent.

Using any Content, Marks, or other intellectual property for any commercial purpose or public display without authorization.

Attempting to reverse-engineer, decompile, or disassemble any software or technology used in connection with our Services.

Using any of our intellectual property in a manner that suggests an association or endorsement by Eidman Insurance Agency without our express written permission.

The Services may include content, materials, or intellectual property owned by third parties. Your use of such third-party content is subject to the terms and conditions provided by the respective owners. Eidman Insurance Agency does not grant you any rights to such third-party content.

If you believe that any material on our website or Services infringes your intellectual property rights, please contact us at info@eidmanagency.com with the following information:

A description of the intellectual property you claim has been infringed.

A description of where the allegedly infringing material is located on our website or Services.

Your contact information, including your name, address, telephone number, and email address.

A statement that you have a good faith belief that the use of the material is not authorized by the intellectual property owner, its agent, or the law.

A statement, made under penalty of perjury, that the information you have provided is accurate and that you are the owner of the intellectual property or authorized to act on behalf of the owner.

Termination of Service

We reserve the right to suspend or terminate your access to our website and Services, according to state law, for any reason, including but not limited to:

A breach or violation of these Terms of Service or any applicable laws or regulations.

Providing false, inaccurate, incomplete, or misleading information during registration or the use of our Services.

Misuse or unauthorized use of our Services, Content, or intellectual property.

Engaging in fraudulent, illegal, or harmful activities while using our Services.

Non-payment of fees or failure to fulfill any financial obligations related to your use of our Services.

You may terminate your use of our Services at any time by ceasing to access our website and discontinuing the use of our Services. If you have created an account with us, you may request its deactivation or deletion by contacting us at info@eidmanagency.com.

Please note that termination of your account or use of our Services does not relieve you of any obligations or liabilities incurred prior to termination, including payment of any outstanding fees or charges.

Upon termination of your access to our Services, whether initiated by you or by Eidman Insurance Agency:

Any rights granted to you under these Terms of Service will immediately cease.

You must stop using our Services and destroy any copies of materials obtained through our website that are in your possession, whether in printed or electronic format.

Any obligations or liabilities incurred prior to termination, including payment obligations, indemnities, or disputes, will survive the termination of these Terms.

Eidman Insurance Agency shall not be liable to you or any third party for any suspension, deactivation, or termination of your access to our Services.

Reinstatement of access to our Services after termination is at the sole discretion of Eidman Insurance Agency. We reserve the right to impose conditions or require additional information prior to reinstating access.

Governing Law

These Terms of Service, as well as any disputes or claims arising out of or related to your use of our website or Services, shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.

By accessing or using our Services, you agree that any legal action or proceeding arising out of or related to these Terms or your use of our Services shall be brought exclusively in the state or federal courts located in New York, New York. You hereby consent to the jurisdiction of and venue in such courts and waive any objection to such jurisdiction or venue, including objections based on inconvenience of the forum.

If you are accessing our Services from outside the United States, you are responsible for compliance with all local laws applicable to your use of the Services. By using our Services, you agree that any disputes or claims will be governed by the laws of the State of New York, United States, regardless of your location.

Changes to Terms

We reserve the right to update, modify, or replace these Terms of Service at any time, at our sole discretion, without prior notice. Any changes will be effective immediately upon posting the updated Terms on our website, unless otherwise stated. It is your responsibility to review these Terms periodically for any updates or changes.

By continuing to access or use our website or Services after any changes to these Terms have been posted, you agree to be bound by the revised Terms. If you do not agree to the updated Terms, you must stop using our Services immediately.

While we may, at our discretion, attempt to notify you of material changes to these Terms via email or other means, we are under no obligation to do so. You are encouraged to regularly check our website for the most current version of these Terms.

Contact Information

- If you have any questions about our Terms of Service, or would like to request a copy for your records, please contact us at any time:

info@eidmanagency.com

fax: 845 - 358 - 8205

phone: 845 - 353 - 4940

Privacy Policy

Effective December 19, 2024 - PP v1.0.0

We take your privacy very seriously. Our website does not retain any data or share any data to third parties. All information is encrypted client-side before being sent to our office.

Data We Collect

We only collect the information you choose to provide to us. This information includes, but is not limited to, your personally identifiable, such as your legal name, date of birth, residential address, drivers license number, and social security number.

How We Use Your Data

We use the data you provide to obtain accurate insurance quotes from our carriers. The information you provide is used solely for the purpose of obtaining accurately rated insurance quotes. During the quoting process, the information you provide is compared with third-party data analytics providers, such as LexisNexis, and our insurance carriers for accuracy and history.

Sharing Data

The data you provide is shared with LexisNexis and our insurance carriers in order to obtain accurate and competitive insurance rates.

Cookie and Tracking Technologies

Our website does not use cookies or tracking technology.

Data Retention

Although our website does not retain any data, our office and third-party service providers do. Data analytics providers, such as LexisNexis, and insurance carriers will retain your information. Please see their respective Privacy Policy for more information about how your data is handled.

Data Security

All input data is encrypted using AES-256-GCM standard, converted to binary, and written to a temporary file. The encrypted, binary file is sent to a PipeDream URL which forwards the file to our office. The file is downloaded and decrypted using a customized application.

User Rights

You have the right to request a copy of our Privacy Policy and the Data we have collected and used to obtain accurate insurance rates.

Childrens Privacy

We are committed to protecting the privacy of children. Our services are not directed to, nor intended for, individuals under the age of 18 (or the age of majority in your jurisdiction). We do not knowingly collect personal information from children under the age of 18. If you are under 18, please do not use our website, register for our services, or provide any personal information to us.

We do not knowingly solicit or collect personal information from children under the age of 18. If we become aware that we have inadvertently collected personal information from a child under the age of 18, we will take immediate steps to delete such information from our records.

We strongly encourage parents and guardians to supervise their children's online activities and to educate them about safe and responsible use of the internet.

If you believe that a child under the age of 18 has provided us with their personal information, please contact us immediately at [insert your contact email or phone number]. We will promptly investigate and delete the information in accordance with applicable laws.

We comply with the Children's Online Privacy Protection Act (COPPA) and other applicable laws regarding the collection and use of children's data. Our website and services are intended for adults and are not designed to attract children.

Changes to Privacy Policy

We reserve the right to make changes to our Privacy Policy. We encourage you to visit this page regularly to review any changes.

Contact Information

If you have any questions about our Terms of Service, or would like to request a copy for your records, please contact us at any time:

info@eidmanagency.com

fax: 845 - 358 - 8205

phone: 845 - 353 - 4940