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 Kansas, 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. Illustrative Information; Carrier Documents Control
Any quotes, premiums, benefit summaries, comparisons, or other figures presented on our Site or provided by our representatives are for illustrative and informational purposes only and do not constitute a binding offer or guarantee of coverage, pricing, or terms. While we do not anticipate discrepancies, insurance carriers may update or correct their rates, terms, or plan details at any time. In the event of any difference between information presented by us and the official policy documents, applications, riders, or disclosures issued by the insurance carrier, the carrier’s official documents shall control in all cases.
15. Use of Artificial Intelligence
Oread Insurance LLC may use artificial intelligence (AI) tools to assist with certain aspects of our business, such as responding to general inquiries, summarizing calls, generating marketing content, or helping our team compare plan information. AI tools are used to support, not replace, our licensed insurance agents. No AI tool makes final coverage, eligibility, underwriting, or enrollment decisions on our behalf; those decisions are made by insurance carriers and, where applicable, reviewed by a licensed representative. Information generated or summarized with the assistance of AI may occasionally contain errors or become outdated, and should not be relied upon as a substitute for advice from a licensed agent or the official documentation provided by an insurance carrier.
16. Medicare Marketing Disclaimer
We do not offer every Medicare plan available in your area. Any information we present is limited to those plans we do offer. To get information on all of your options, please contact Medicare.gov, call 1-800-MEDICARE, or contact your local State Health Insurance Assistance Program (SHIP). Oread Insurance LLC is not connected with or endorsed by the United States government or the federal Medicare program.
17. Communications Consent; Call Recording
By providing your phone number or email address, you consent to be contacted by Oread Insurance LLC and/or its licensed representatives by phone, text message, or email regarding insurance products and services, including through the use of automatic telephone dialing systems or prerecorded messages where permitted by law. Consent is not a condition of purchasing any goods or services. Calls may be monitored or recorded for quality assurance, training, and compliance purposes. You may opt out of marketing communications at any time as described in our Privacy Policy.
18. Licensing Information
Oread Insurance LLC is a licensed insurance producer/brokerage, licensed to do business in numerous states across the United States. The states in which we hold active licenses may change over time. You may verify our current license status through the National Insurance Producer Registry (NIPR) at www.nipr.com or by contacting the applicable state’s Department of Insurance.
19. 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. Children’s Privacy
Our Site and services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If we learn that we have collected personal information from a child without verification of parental consent, we will take steps to delete that information as soon as possible.
10. California Privacy Rights
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), including the right to know what personal information we collect, the right to request deletion of your personal information, the right to correct inaccurate personal information, and the right to opt out of the sale or sharing of your personal information. We do not sell your personal information for money. To exercise these rights, please contact us at [email protected].
11. Contact Us
If you have questions about this Privacy Policy, contact us at [email protected].
