Terms of Use

Thank you for visiting us on the web! Welcome to www.innovativeinsuranceonline.com (the “Website”), owned and operated by Innovative Insurance Solutions, LLC, (“We” or “Us”). Innovative Insurance Solutions, LLC and www.innovativeinsuranceonline.com, has created this privacy statement in order to demonstrate our firm commitment to privacy for our current or prospective clients, including the information received from this web site.

Privacy Policy and Terms of Use for Innovative Insurance Solutions, LLC.

www.innovativeinsuranceonline.com. Questions or comments regarding these Terms of Use should be directed to Us by clicking on the “Contact Us” tab.
The terms “We” and “Us” in this document refer Innovative Insurance Solutions, LLC and www.innovativeinsuranceonline.com
Disclaimer By visiting www.innovativeinsuranceonline.com you accept these conditions. Although we try to insure the accuracy of what we say on www.innovativeinsuranceonline.com, we can ONLY guarantee that, as far as we know, nothing is intentionally fraudulent or unlawful. Otherwise there’s no guarantee made or implied about the accuracy, currency, usefulness, functionality, safety, or anything else in, related to, or connected with the site in any way. Use this information at your own risk! In no event shall Innovative Insurance Solutions, LLC., its employees, agents or any third parties mentioned in this site be liable for any damages arising out of or in any way connected with the use of www.innovativeinsuranceonline.com. The contents of the site may not be reproduced without written permission of the owner, Innovative Insurance Solutions, LLC. When you visit the Innovative Insurance Solutions, LLC’s. website, we do not collect personally identifiable information about you unless you voluntarily provide it to us. If you choose to reach us by clicking on the “Contact Us” tab, you may be asked to provide such information as your name, address, email address, telephone and fax number, business name, business address, email address, telephone and fax number. You may also be asked certain questions about you and/or your business, which will help us to better meet your needs and respond to your inquiries regarding the website and/or our various products and services featured on the website. If you choose to provide personally identifiable information to us, you represent and warrant that all such information is true, accurate and complete, and in compliance with our website.
Changes to this Disclaimer Statement Innovative Insurance Solutions, LLC may change this Disclaimer Statement, Privacy Policy and Terms and Use at any time by posting revisions to our website. Your use of this website constitutes acceptance of the provisions of this Disclaimer Statement, Privacy Policy and Terms and Use. Your continued usage after such changes are posted constitutes acceptance of each revised Disclaimer Statement, Privacy Policy and Terms and Use. If you do not agree with the Disclaimer Statement, Privacy Policy and Terms and Use, please exit this website immediately.

Innovative Insurance Solutions, LLC provides a full array of insurance consulting and plan advice that may result in outcomes having legal or tax implications. At no time should the advice or recommendations given by Innovative Insurance Solutions, LLC, it’s agents or employees be construed as legal or tax advice. Innovative Insurance Solutions, LLC encourages all client and prospective clients to seek formal advice from an attorney or an accountant for legal or tax ramifications, when appropriate.
Terms of Use co-exist with our Privacy Statement as well as our Disclaimer statement. Together, both policies govern the general practices and Your usage of this Website. Your use of the Website at any time shall be deemed conclusive evidence of Your agreement that Your license to access and use the Website is governed by these Terms of Use and our Privacy Statement. We encourage You to familiarize yourself with both policies. We have included both herein this page as well as our home page.

Our Privacy Policy

Security for Personally Identifiable Information

Innovative Insurance Solutions, LLC. takes the security of personally identifiable information very seriously. Our website and database servers are hosted in a secured physical and network environment. Reasonable efforts are made to secure web servers, networks, host operating systems and databases against unauthorized access. Please remember that the security measures taken are not always guaranteed; no website can guarantee that personally identifiable information will be protected in all situations. Therefore, we can only state that we will make a reasonable effort to protect from unauthorized access the information that You provide.
Innovative Insurance Solutions, LLC maintains physical, electronic, and procedural safeguards that comply with applicable regulations to guard your personal information. The following discloses our information gathering and dissemination practices for this web site: www.innovativeinsuranceonline.com
To enable us to provide you with information about our products and services, we need to collect certain information from you. However, we want to emphasize that we are committed to maintaining the privacy of this information in accordance with law. All individuals with access to personal information about our customers are required to follow this policy.
We are providing you with this privacy notice to inform you of what personal information we collect about you and how we treat that information. We hope this privacy notice answers any questions you may have regarding our treatment of your personal information and reassures you of our dedication to keeping your personal information secure.

 

Information We Collect

We collect non-public personal information about you from the following sources:
• Information we receive from you on applications or other forms
• Information you may provide during visits to our web site; and
• Information about your transactions with us, our affiliates or others.

 

Information We Share

We do not disclose any non-public personal information about our customers or former customers to any non-affiliated entity except as described below and otherwise permitted by law. At times, we may request personal information from so that we can deliver materials you requested, respond to your questions, or deliver a product or service. Innovative Insurance Solutions, LLC limits the disclosure of your nonpublic personal information to situations where it is required via authorized contractual obligation to you or your employees, as required by law, or as authorized by you either verbally or in writing. When necessary, this information will be disclosed only to Innovative Insurance Solutions’ employees, insurance carriers, strategic partners, or providers who require the information to assist with client needs. We may disclose all of the information we collect, as described above, to Insurance Carriers and companies that assist us in the servicing or administration of the product that you have requested or authorized. When information is shared with companies that perform services on our behalf, we protect against the subsequent disclosure of that information with a confidentiality agreement and a Business Associate Agreement.

User Agreement (“You”), all of which is provided subject to the following Terms of Use:

Usage

When You access the Website, You agree and acknowledge that: (1) You have read and understand these Terms of Use, Privacy Policy and Disclaimer statement; (2) You have and will access the Website and provide information to Us with the intent to use or to evaluate the Website, and will not download portions of the Website to compete with Us or provide information to one of Our competitors; and (3) in using the Website, You will comply with all applicable international, federal and state laws and regulations. Innovative Insurance Solutions, LLC. may maintain your e-mail address in a database for future correspondence from the company. Your e-mail address will not be sold, traded or given to any third parties outside of Innovative Insurance Solutions, LLC without your authorization. In no way shall Innovative Insurance Solutions, LLC, it directors, members, employees, agent or vendors mentioned in this site be liable for any damages connected with the use of this website.

Copyrights and Trademark Information

This page may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Proprietary notices, information, trademarks and copyrighted images are the property of their respective owners. All words, pictures, graphs, charts and any information presented or made available on the Website are property of Innovative Insurance Solutions, LLC or our Third Party vendor(s). By accessing and/or making use of the Website, You agree that We are not offering for sale or selling the Information, but instead are providing you access for informational purposes only and personal or internal business purposes. Unless otherwise set forth in a separate written agreement signed by Us, You agree not to: (1.) download any Information on this Website; (2.) sell the Information downloaded (or copied in another form) for money, barter, exchange or other consideration; (3.) redistribute the Information to anyone (4.) make any more than one print copy of the Information; (5) republish the Information for any prohibited purpose, including commercial gain; or (6) make any alterations, additions or other modifications to the Information. We do not consent to any use of the Marks by any person and do not grant You any right to use the Marks displayed on this Website.
Information on this web site may contain technical inaccuracies or typographical errors. Information may be changed or updated without notice. We may also make improvements and/or changes in the services described in this information at any time without notice.
This site is protected by copyright under the laws of the United States, including, but not limited to, Title 17 of the United States Code (Sections 501 and 506), the Berne Convention and all treaties and conventions pertaining to intellectual property rights that the United States is signatory. The contents of this site may not be reproduced without written permission of the owner.

Misuse of the Website and Content on/affiliated with the Website

You violate these Terms of Use when You make any use of the Website to: (1) infringe or misappropriate the intellectual property rights of others, including copyrights, service marks, trade secrets, trademarks and patents; (2) violate others’ privacy, publicity or other personal rights; (3) advertise, post, transmit, store, display or otherwise make available pornography or obscene speech or material; (4) transmit, display or post defamatory, harassing, abusive or threatening language; and/or (5) engage in activities, whether lawful or unlawful, that We determine in our sole and unfettered discretion to be harmful to other users of the Website, Website operations, or Our reputation, goodwill or customer relations.

Available Remedies

While every effort is made to provide accurate information, we and our Vendors, Third Party Administrators and Contributors make no representations or warranties about the information published in the website for any purpose. We do not validate, review or confirm the truth or accuracy of information posted on the Website. We disclaim that all information is provided “as is” without any warranty or implied warranty and/or condition of any kind.
By making use of the Website, You agree not to sue or make any claim of any kind against Us regarding Information posted or available on the Website. In no event will we be liable to any party or any direct, indirect, special or other consequential damages for any use of this web site, or on any other hyper linked web site, including, without limitation, loss or disability of health, any lost profits, business interruption, loss of programs or other data on your information handling system or otherwise, even if we are expressly advised of the possibility of such damages.
When We become aware of harmful activities, We may take the appropriate steps to stop the harmful activity, such as removing the offending materials, denying the offender access to the Website, or any other action We deem appropriate. We are required to notify law enforcement when We become aware of the presence of child pornography on or transmitted through the Website; and to remove or block access to content or postings upon receipt of a proper notice of copyright infringement. It is also Our policy to terminate users who commit repeat violations of copyright laws. In the event you have any claim against Innovative Insurance Solutions, LLC, you agree that your sole remedy is for us to replace or correct the information posted.

Linking to Domains

This site (www.innovativeinsuranceonline.com) may contain links to other sites. Innovative Insurance Solutions, LLC is not responsible for the privacy practices or the content of such Web sites. The information being provided is strictly a courtesy. When you access one of these web sites, you are leaving our site and you assume total responsibility and risk for your use of the sites you are linking. We make no representations whatsoever about any other web site which you may access through this one. When you access another web site, please understand that it is independent from us, and that we have no control over the content on that web site. In addition, a link to another web site does not mean that we endorse or accept any responsibility for the content, or the use, of such web site. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, Trojan horses and other items of a destructive nature. Innovative Insurance Solutions, LLC is not liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, web sites, information and programs made available.
Should you require information in regards to a specific medical condition, please contact your family physician or other appropriate physician. Specific Medical Advice will not be provided and Innovative Insurance Solutions, LLC urges you to visit a qualified physician and/or in the event of an emergency contact your local emergency services or seek immediate care at an Urgent Care and/or Hospital Emergency Facility. We permit reasonable, good faith and non-defamatory links to the Website so long as it is clear in the link reference that We have not endorsed the contents of the referring page, and that any statements made have not been reviewed or approved by Us. We do not consent to “framing” Our content or Information inside of any other page. Links to other web sites are available to provide you with additional useful information and services. Innovative Insurance Solutions, LLC is not responsible for the privacy policies or actions of those who control other web sites. We encourage you to look for and review the privacy policies of any web site you visit.

Software

Any software that is made available through login or for download from Our Website, including and not limited to the Login Portals (“Software”), is the copyrighted work of Our licensors. Use of such Software is licensed under terms of use specific to the Software. Any use, reproduction or distribution of the Software not in accordance with the License is strictly prohibited by law. If You wish to review the License prior to making any use of the Software, contact Us by clicking on the “Contact Us” tab.

Indemnity

If You post or provide any Information, images or content onto the Website, or if You violate any provision of these Terms of Use, You are liable to Us or any/all vendors for Your actions, and in the event We are threatened with lawsuit or are sued by any person on account of Your activities, including but not limited to any claim of infringement of intellectual property rights, You agree to indemnify, defend and hold harmless Us and Our directors, employees, affiliates, vendors, subsidiaries, users and customers, from and against all claims, demands, damages and losses claimed by such person, and You agree to and shall pay all related costs and expenses, including reasonable legal fees, that We incur.

Contact the Web Site

If you have any questions about this privacy statement, terms and use, practices of this site, or your dealings with this Web site, you may contact:
Innovative Insurance Solutions, LLC 335 Kenmore Avenue, Suite 100 Bel Air, MD 21014

E-mail: <a href=”mailto:service@innovativeinsuranceonline.com”>service@innovativeinsuranceonline.com</a>