Privacy Policy
Florida Family® Insurance Company and its Affiliates*
Florida Family values the trust and confidence of our customers and is committed to the management, use and security of nonpublic personal information gathered from potential, existing and former customers. As a valued customer, we want you to know why we collect information about you, and describe how your information is used. This notice explains our practices and policies for handling your personal information and describes our commitment to protecting the information you provide to us.
Florida Family will provide customers with a copy of this privacy policy at the inception of our business relationship and annually thereafter. As our products and services continue to evolve, it may be necessary to review and revise our privacy policies, in which case we will provide you with an updated privacy notice.
Customer Information:
We only gather and maintain nonpublic information that is necessary for us to provide the products and services requested by you and to administer your business with us. Most information we collect is obtained directly from you from applications, questionnaires or other forms you may provide to us or to our affiliates. This information may include identifying information, such as your name, address and telephone number or other personal information, such as your health and employment history, your income, assets or employment status, and possibly information about other members of your household. In addition, we may collect information regarding your accounts with us, such as information about your insurance coverage, balances, premium and prior transactions.
Should we need to verify or obtain additional information about you during the normal course of business, we may contact outside sources such as consumer reporting agencies, medical providers, insurance support agencies, brokers, agents, and government reporting agencies. Information collected from these third parties may include your credit, claims and payment history or other information we may deem necessary to underwrite, effect, manage, service or administer your policies with us.
How Your Information Is Used:
In order to maintain the high quality of products and services we provide, it is often necessary to disclose some or all of the customer information described above to nonaffiliated third parties as permitted by law. For example, we may disclose your information to third parties for processing and servicing our products or services, administering and auditing our business, and preventing insurance fraud. Recipients of such disclosures may include reinsurers, agents, administrators, consultants, insurance support agencies, regulatory and government authorities, consumer reporting agencies and service providers.
Periodically, we may use your customer information to market or underwrite another product or service by us or by our affiliates. We may also disclose all information we collect, as described above, to companies that we have contracted to perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. Under no circumstances will we disclose your health information for marketing purposes.
Florida Family will maintain the same standards of privacy after our customer relationship has ended, and will only disclose information about former customers as described in this privacy policy, or as otherwise permitted by law.
Protecting Your Information:
Florida Family dedicates significant resources to protect the security of your information. We use physical, electronic and procedural safeguards to maintain the integrity of your information and guard against its unauthorized use. We restrict access to your information to employees and third parties authorized by us. All employees who handle information are required to follow our privacy procedures to ensure that your information is handled properly and used only for authorized purposes.
Access to and Correction of Your Information:
You may write to us if you have any questions about the information that we may have in our records about you. If you wish, you may review this information in person or receive a copy at a reasonable charge. You can notify us in writing if you believe any information should be corrected, amended or deleted, and we will review your request. We will either make the requested change or explain why we did not do so. If we do not make the requested change, you may submit a short written statement identifying the disputed information, which will be included in all future disclosures of your information.
*This notice describes the privacy policy of Florida Family® Insurance Company,
Lakeview Insurance Company, and their affiliates; Florida Family® Insurance Services, L.L.C.; Barrington Insurance Group, L.L.C.; Halogen Software, L.L.C.; Barrington Capital, L.L.C.; and Emery Holding, Inc.
May 1, 2011
Terms of Use
THIS SITE, ITS CONTENT AND ANY RELATED SERVICES ARE PROVIDED SUBJECT TO YOUR COMPLIANCE WITH THE TERMS AND CONDITIONS SET FORTH BELOW. PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THE SITE. BY USING THE SITE OR REGISTERING TO USE THE SERVICES OFFERED ON IT, YOU AGREE TO THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS OF USE, PLEASE DO NOT USE THIS SITE.
The information contained herein is provided solely for general information and is not intended to be a solicitation, statement of contract or an offer to sell in connection with any product or service, nor is the information a complete description of all terms, conditions and exclusions applicable to the products and services described. All coverages are subject to all policy provisions, including applicable endorsements. For complete descriptions of the terms, conditions and exclusions of insurance coverages or other product or services, please contact an authorized Florida Family Insurance representative or agent. Products and services referenced herein may not be available in all jurisdictions.
A. Restrictions on Use.
Material made available for viewing or download on the www.flfamily.com site (collectively the "Content") is the property of Florida Family Insurance Company and/or its affiliates (collectively "Florida Family"). The Content is protected by federal and international copyright and trademark laws. No portion of the Content may be reprinted, republished, modified, reproduced, or distributed in any form without the express written permission of Florida Family.
You may view or download the Content for your own personal use. You agree to keep intact any proprietary notices, including copyright notices, contained on any downloaded materials. Any rights not expressly granted by these Terms and Conditions are reserved by Florida Family.
B. Confidential.
The Content may include information that is proprietary and confidential to Florida Family ("Confidential Information"). You agree to keep confidential and to refrain in any manner from disclosing such Confidential Information to any person or from using Confidential Information, except as contemplated herein. This confidentiality obligation shall not apply to information which is generally available to the public.
C. Trademark.
"flfamily.com," "Welcome To The Family" and the "Florida Family" logo are trademarks and service marks of Florida Family. These and all other service marks and trademarks of Florida Family may not be used without the prior express written consent of Florida Family. All other trademarks and service marks used in the Content are the trademarks or service marks of their respective owners.
D. Warranty Disclaimer.
THE WWW.FLFAMILY.COM SITE IS PROVIDED BY FLORIDA FAMILY ON AN "AS IS," AND "AS AVAILABLE" BASIS. FLORIDA FAMILY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THIS SITE. FLORIDA FAMILY WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THE WWW.FLFAMILY.COM SITE OR ITS CONTENT, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE WWW.FLFAMILY.COM SITE OR ITS CONTENT IS TO STOP USING THE SITE.
Although Florida Family attempts to ensure the completeness, accurateness and timeliness of the Content, it makes no guarantees whatsoever as to the completeness, accurateness or timeliness of the Content. The Content is posted for your convenience, but is not necessarily authoritative. In the event that an inaccuracy arises, please inform Florida Family so that it can be corrected. Information contained in the Content may be changed or updated without notice at Florida Family's sole discretion.
E. Indemnity.
You agree to indemnify, defend and hold harmless Florida Family, its officers, directors, employees, consultants and agents from any and all third party claims, liabilities, damages and/or costs (including, but not limited to attorneys' fees) arising from your use of the www.flfamily.com site, your violation of this Agreement, or your infringement, or infringement by any other user of your account or password, of any intellectual property or other right of any person or entity.
F. No Representations Regarding Web Sites.
Florida Family makes no representations whatsoever about the www.flfamily.com site from which you are viewing or downloading the Content, nor about any other web site that you may access though that site. When you access non-Florida Family content or sites, please understand that the content and sites are independent from Florida Family, and that Florida Family has no control over the content and/or site. In addition, hyperlinks to, or Florida Family Content on, a non-Florida Family web site does not mean that Florida Family endorses or accepts any responsibility for the content or use of that linked site. It is up to you to take precautions to ensure that whatever you select for your use or download is free of such items as viruses, worms, Trojan horses, and other items of a destructive nature, and that such use or download complies with copyright and other applicable laws.
G. Privacy.
Please review our Privacy Policy, which also governs your visit to www.flfamily.com, to understand our practices. Florida Family will use ordinary skill and prudence in protecting your personally identifiable information. However, Florida Family shall not be liable for protecting such data from loss, misuse, or unauthorized access or disclosure, alteration or destruction.
H. Your Account.
You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password.
I. No Unlawful or Prohibited Purpose.
As a condition of your use of this Content, you warrant to Florida Family that you will not use the www.flfamily.com site or its Content for any purpose that is unlawful or prohibited by these Terms and Conditions.
J. Additional Restrictions on Use.
- You will have access to certain portions of flfamily.com. If you are given access to other users' personal files in error, you must notify Florida Family immediately.
- You agree not to knowingly introduce viruses, corrupted files or any other similar software that may damage, alter or destroy the www.flfamily.com site or the operation of another's computer system, network, software, documentation or data contained therein.
- You agree not to access or attempt to access Florida Family's computer system, network or any part thereof for the purpose of committing theft of any Content.
K. Entire Agreement.
These Terms and Conditions constitute the entire agreement between Florida Family and you pertaining to the subject matter hereof. In its sole discretion, Florida Family may modify these Terms and Conditions by posting the revised version on this site.
L. Choice of Law and Venue.
These Terms and Conditions are entered into in the State of Florida and shall be governed by and construed in accordance with the laws of the State of Florida, exclusive of its choice of law rules. Each party to these Terms and Conditions submits to the exclusive jurisdiction of the state and federal courts sitting in the County of Collier in the State of Florida, and waives any jurisdictional, venue, or inconvenient forum objections to such courts. In any action to enforce these Terms and Conditions, the prevailing party will be entitled to costs and attorneys fees. In the event that any of the Terms and Conditions are held by a court or other tribunal of competent jurisdiction to be unenforceable, such provisions shall be limited or eliminated to the minimum extent necessary so that these Terms and Conditions shall otherwise remain in full force and effect.
You acknowledge that you have read these Terms and Conditions of use, understand it, and agree to be bound by its terms and conditions. You further agree that it is the complete and exclusive statement of the terms of service between Florida Family and you which supersedes any proposal or prior terms of service, oral or written, and any other communications between Florida Family and you relating to the subject matter of these Terms and Conditions. Check these Terms and Conditions periodically on the web-site to stay up to date. Your use of the site will confirm your agreement to these Terms and Conditions as well as your acceptance of any revisions made to these Terms and Conditions. If you do not agree to any such revisions, then you must immediately stop using the web site and notify Florida Family that the Agreement is terminated.
Payments and Cancellations
This web site may only be used to make payments on existing Florida Family Insurance policies with a balance due. All payments are subject to the contractual terms and conditions of the related Florida Family Insurance policy, including all endorsements, provisions, etc. The policy is a legal contract between Florida Family Insurance Company and the Insured, and provisions regarding cancellation of the policy conform to the laws and regulations of the State of Florida. If you have questions about your insurance policy, please contact your insurance agent or customer service.