Web Site Terms and Conditions of Use

1. Terms

By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, applicable laws and regulations and their compliance. If you disagree with any of the stated terms and conditions, you are prohibited from using or accessing this site. The materials contained in this site are secured by relevant copyright and trade mark law.

2. Use License

  1. Permission is allowed to temporarily download one duplicate of the materials (data or programming) on Stillwell Risk Partners's site for individual and non-business use only. This is the just a permit of license and not an exchange of title, and under this permit you may not:
    1. modify or copy the materials;
    2. use the materials for any commercial use , or for any public presentation (business or non-business);
    3. attempt to decompile or rebuild any product or material contained on Stillwell Risk Partners's site;
    4. remove any copyright or other restrictive documentations from the materials; or
    5. transfer the materials to someone else or even "mirror" the materials on other server.
  2. This permit might consequently be terminated if you disregard any of these confinements and may be ended by Stillwell Risk Partners whenever deemed. After permit termination or when your viewing permit is terminated, you must destroy any downloaded materials in your ownership whether in electronic or printed form.

3. Disclaimer

  1. The materials on Stillwell Risk Partners's site are given "as is". Stillwell Risk Partners makes no guarantees, communicated or suggested, and thus renounces and nullifies every single other warranties, including without impediment, inferred guarantees or states of merchantability, fitness for a specific reason, or non-encroachment of licensed property or other infringement of rights. Further, Stillwell Risk Partners does not warrant or make any representations concerning the precision, likely results, or unwavering quality of the utilization of the materials on its Internet site or generally identifying with such materials or on any destinations connected to this website.

4. Constraints

In no occasion should Stillwell Risk Partners or its suppliers subject for any harms (counting, without constraint, harms for loss of information or benefit, or because of business interference,) emerging out of the utilization or powerlessness to utilize the materials on Stillwell Risk Partners's Internet webpage, regardless of the possibility that Stillwell Risk Partners or a Stillwell Risk Partners approved agent has been told orally or in written of the likelihood of such harm. Since a few purviews don't permit constraints on inferred guarantees, or impediments of obligation for weighty or coincidental harms, these confinements may not make a difference to you.

5. Amendments and Errata

The materials showing up on Stillwell Risk Partners's site could incorporate typographical, or photographic mistakes. Stillwell Risk Partners does not warrant that any of the materials on its site are exact, finished, or current. Stillwell Risk Partners may roll out improvements to the materials contained on its site whenever without notification. Stillwell Risk Partners does not, then again, make any dedication to update the materials.

6. Links

Stillwell Risk Partners has not checked on the majority of the websites or links connected to its website and is not in charge of the substance of any such connected webpage. The incorporation of any connection does not infer support by Stillwell Risk Partners of the site. Utilization of any such connected site is at the user's own risk.

7. Site Terms of Use Modifications

Stillwell Risk Partners may update these terms of utilization for its website whenever without notification. By utilizing this site you are consenting to be bound by the then current form of these Terms and Conditions of Use.

8. Governing Law

Any case identifying with Stillwell Risk Partners's site should be administered by the laws of the country of United States Stillwell Risk Partners State without respect to its contention of law provisions.

General Terms and Conditions applicable to Use of a Web Site.

Privacy Policy

Introduction:

Stillwell Risk Partners is a member of the financial services industry and, as such, our agency has been and continues to be subject to federal and state privacy laws regarding the collection and exchange of your information. The following is Stillwell Risk Partners' privacy policy regarding the customer information we collect. Contained in this privacy policy you will find (1) an explanation of the types of information Stillwell Risk Partners collects from our clients and the means used to collect such information, (2) an explanation of how Stillwell Risk Partners shares the information collected from our clients, and (3) an explanation of how Stillwell Risk Partners protects client information.

  1. Information we collect and the means used to collect:

Stillwell Risk Partners collects information about our customers that is necessary to provide those services usual and customary to independent insurance agents. Stillwell Risk Partners collects this necessary information from the following sources:

  • Information we receive from you on applications or other forms.  This information may include, but is not limited to, your name, address, and date of birth.
  • Information about our clients’ transactions with us; this information may include, but is not limited to, claims and payment history.
  • Information we receive from a consumer-reporting agency; this information may include, but is not limited to, a driving record or insurance score report.

To collect customer information from the above-stated sources, Stillwell Risk Partners may use the following means of communication to gather information: written, in-person, telephone, facsimile, electronically, and online.

III. How we share client information with non-affiliated third parties:

We don’t share information about our customers or former customers with non-affiliated third parties other than as permitted or required by law. For example, Stillwell Risk Partners may share all of the information listed above with non-affiliated third parties for, including but not limited to, the following reasons:

  • Information that is necessary to service or process the insurance needs of our clients, in a manner that is consistent with the usual and customary services provided by independent insurance agents. Such usual and customary services or processes provided by Stillwell Risk Partners to its customers include but are not limited to underwriting, shopping the renewal, rating, placement, and providing quotes for insurance that is germane to the coverage the customer places with our agency.
  • Information that is necessary to protect the confidentiality or security of our client’s records
  • Information that is necessary to resolve client disputes or inquiries
  • Information that is required by individuals or entities who are assessing our legal compliance.
  • Information that is required for Stillwell Risk Partners to comply with the law.
  • To an actuarial or research organization for the purpose of conducting actuarial or research studies
  • Information that is necessary to protect against or prevent fraud, unauthorized transactions, claims, or other liability 

We may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements.

IV. Our practices regarding information confidentiality and security:

We maintain physical, electronic, and procedural safeguards to guard your information. These safeguards include but are not limited to the following:

  • We restrict access to nonpublic personal information about our clients and former clients to those employees who need to know that information in order to assist in providing services or products to the customer.
  • We will punish any employees who impermissibly share client information.
  • We use a secure Internet and e-mail provider to protect the confidentiality of electronic communications.

Stillwell Risk Partners appreciates your business and in order to continue building upon that relationship we believe it is necessary, not only from a legal standpoint, but also as a sound business practice that our customers understand the care our agency uses in handling your information. Stillwell Risk Partners will continue to monitor the effectiveness of this privacy policy.

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