Oread Insurance LLC – Terms of Service
Effective Date: 2/2/2025
Welcome to Oread Insurance LLC! These Terms of Service (“Terms”) govern your use of our website, www.oreadinsurance.com (the “Site”), and our insurance brokerage services. By accessing or using our Site and services, you agree to these Terms. If you do not agree, please do not use our Site.
1. Services Provided
Oread Insurance LLC is a licensed insurance brokerage specializing in life, health, and Medicare insurance plans, among others. We act as an independent insurance brokerage to help clients compare and enroll in various insurance policies. We are not an insurance provider. We provide information and facilitate the connection between clients and insurance carriers.
2. Eligibility
To use our services, you must be at least 18 years old and legally capable of entering into a binding contract.
3. No Guarantee of Coverage
Oread Insurance LLC does not guarantee approval for any insurance policy. Final approval is at the discretion of the insurance providers.
4. User Responsibilities
You agree to provide accurate and truthful information when using our services. You are responsible for keeping your account information secure. You agree not to:
- Impersonate another user or misrepresent yourself.
- Use the Site for any unlawful purpose.
- Attempt to gain unauthorized access to any systems or networks.
- Interfere with or disrupt the operation of the Site or the servers or networks connected to the Site.
- Use any automated means, such as robots, spiders, or scrapers, to access or collect data from the Site.
5. Privacy Policy
Your use of our Site is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. It is incorporated herein by reference.
6. Intellectual Property
All content on our Site, including text, logos, and graphics, is the property of Oread Insurance LLC and is protected under copyright and trademark laws.
7. Disclaimers & Limitation of Liability
OREAD INSURANCE LLC PROVIDES THE SITE AND ITS SERVICES “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, OREAD INSURANCE LLC DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
OREAD INSURANCE LLC DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY INFORMATION PROVIDED ON THE SITE IS ACCURATE, COMPLETE, OR RELIABLE. WE DO NOT PROVIDE LEGAL, FINANCIAL, OR INSURANCE ADVICE. YOU SHOULD CONSULT WITH A QUALIFIED PROFESSIONAL FOR SUCH ADVICE.
TO THE FULLEST EXTENT PERMITTED BY LAW, OREAD INSURANCE LLC WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM OR RELATED TO YOUR USE OF THE SITE OR OUR SERVICES, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES. IN NO EVENT SHALL OREAD INSURANCE LLC’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE AMOUNT YOU HAVE PAID TO OREAD INSURANCE LLC, IF ANY, FOR THE SERVICES GIVING RISE TO THE CLAIM.
8. Third-Party Links
Our Site may contain links to third-party websites. We are not responsible for the content or policies of these external sites.
9. Changes to Terms
We reserve the right to update these Terms at any time. Your continued use of the Site after changes constitutes acceptance of the new Terms.
10. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to its conflict of law principles.
11. Entire Agreement
These Terms, together with the Privacy Policy, constitute the entire agreement between you and Oread Insurance LLC regarding the Site and our services.
12. Severability
If any provision of these Terms is found to be invalid, the remaining provisions will still be enforceable.
13. Assignment
You may not assign your rights or obligations under these Terms without the prior written consent of Oread Insurance LLC.
14. Contact Us
For questions, contact us at [email protected].
Oread Insurance LLC – Privacy Policy
Effective Date: 2/2/2025
Oread Insurance LLC is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and share your personal information when you visit our website or use our services.
1. Information We Collect
We may collect the following types of information:
- Personal Information: Name, contact details (email, phone, address), date of birth, types of insurance you are interested in, and other information necessary to provide insurance brokerage services. We will only collect your Social Security number if it is absolutely required by an insurance carrier to process your application, and we will handle this information with the utmost care and security.
- Non-Personal Information: IP addresses, cookies, browsing behavior on our Site.
2. How We Use Your Information
We use your information to:
- Provide and improve our insurance brokerage services.
- Process insurance applications.
- Communicate with you about policy options, updates, and other relevant information via email, phone, or other means.
- Comply with legal and regulatory requirements.
- Connect you with trusted partners for services we ourselves are unable to provide. This may include sharing your information with these partners to facilitate the connection and ensure you receive the assistance you need.
3. Sharing Your Information
We may share your information with the following categories of third parties:
- Insurance carriers: To facilitate your application and provide you with quotes.
- Trusted Partners: To connect you with providers of services we do not offer ourselves. These partners are carefully selected to ensure they meet our standards for quality and privacy. We will only share the information necessary to facilitate the connection and provide you with the services you need.
- Service providers: Who assist us in operating our business, such as IT support, marketing agencies, and customer service providers. We ensure these providers are contractually obligated to protect your data.
- Legal authorities: If required by law or legal process.
4. Cookies & Tracking Technologies
We use cookies and similar tracking technologies, such as Google Analytics, to enhance your browsing experience and analyze Site usage. These technologies help us understand how visitors use our Site and allow us to personalize content. You can manage your cookie preferences through your browser settings. Please note that disabling certain cookies may affect the functionality of the Site.
5. Data Security
We implement reasonable security measures, such as encryption and access controls, to protect your personal data from unauthorized access, use, or disclosure. While we strive to maintain reasonable security, no method of transmission over the internet, or method of electronic storage, is 100% secure.
6. Your Rights
Depending on your location, you may have rights to:
- Access, correct, or delete your personal information.
- Opt out of marketing communications.
- Restrict processing of your data.
- Lodge a complaint with a supervisory authority.
To exercise these rights, please contact us at [email protected]. We will respond to your request within [Number] days. We may require you to verify your identity before fulfilling your request.
7. Third-Party Links
Our Site may contain links to external sites. We are not responsible for their privacy practices.
8. Changes to This Policy
We may update this Privacy Policy periodically. Changes will be posted on our Site with an updated effective date.
9. Contact Us
If you have questions about this Privacy Policy, contact us at [email protected].
