PLEASE CAREFULLY REVIEW THE FOLLOWING TERMS AND CONDITIONS BEFORE USING OUR WEBSITES.
The Sites are offered and available to users who are 13 years of age or older. By using the Sites, you represent and warrant that you are of legal age to form a binding contract with us and meet the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Sites. If you are a parent or guardian that provides consent to your teenager’s use of the sites, you agree to be bound by these terms in respect of such teenager’s use of the sites.
No Solicitation or Offer
The Sites are designed to provide general information about PointeNorth, its products and services, and its related companies. Information on the Sites is not intended to constitute an offer to sell or a solicitation of any particular product or service. Any insurance product described on the Sites may have exclusions, limitations, reductions in benefits and terms under which it may be continued in force or discontinued. For more information, please consult your agent and your policy or contract. Some products and/or services may not be available in all states or countries.
Accessing the Sites and Account Security
We reserve the right to withdraw or amend the Sites, and any service or material we provide on the Sites, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Sites are unavailable at any time or for any period. From time to time, we may restrict access to some parts of or all of the Sites to users, including registered users, if any.
Intellectual Property Rights
The Sites and their entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by us, our licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws. You may not copy or download any materials displayed on our site except for your personal, noncommercial use. Without express permission from us, the following are prohibited: reproduction, publication, transmission, display, distribution, modification, creating derivative works from, selling or participating in any sale or exploitation in any way, in whole or in part, of any content or of the Sites themselves. Notwithstanding the foregoing, if we provide social media features with certain content, you may take such actions as are enabled by such features.
For claims of copyright infringement, please see our Copyright Policy, which is incorporated herein by reference.
The PointeNorth name and logo, and all related names, logos, product and service names, designs and slogans are trademarks of PointeNorth, which may or may not be federally registered. All other names, logos, product and service names, designs and slogans on the Sites are the property of their respective owners. You must not use such marks without the prior written consent of PointeNorth or the third party, as applicable.
Linking to the Sites
You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent. You may also use certain social media features that we may from time to time make available to you that may allow you to link to certain content on the Sites, send emails with links to certain content or cause limited portions of our content to be posted on your or third party sites. We reserve the right to disable all or any social media features and all links at any time without notice in our sole discretion.
Links from the Sites
If the Sites contain links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third party sites linked to the Sites, you do so entirely at your own risk and subject to the terms and conditions of use for such sites.
Disclaimer of Warranties
You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Sites will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the sites or any services or items obtained through the sites or to your downloading of any material posted on it, or on any website linked to it.
Your use of the sites and their content is at your own risk. The sites and their content are provided on an “as is” and “as available” basis, without any warranties of any kind, either express or implied. Neither Pointenorth nor any person associated with Pointenorth makes any warranty or representation with respect to the completeness, security, reliability, quality, accuracy or availability of the sites. without limiting the foregoing, neither Pointenorth nor anyone associated with Pointenorth represents or warrants that the sites and their content on the sites will be accurate, reliable, error-free or uninterrupted, that defects will be corrected, that our sites or the server that makes them available are free of viruses or other harmful components or that the sites will otherwise meet your needs or expectations. Pointenorth shall not be liable for any damages of any kind related to your use of the sites, including costs associated with servicing or repairs of equipment you use in connection with your use of the sites, which shall be your sole responsibility.
We hereby disclaim all warranties of any kind, whether express or implied, statutory or otherwise, including but not limited to any warranties of merchant ability, non-infringement and fitness for particular purpose.
The foregoing does not affect any warranties which cannot be excluded or limited under applicable law.
Limitation of liability
In no event, shall Pointenorth or its directors, managers, officers, employees, subsidiaries, agents, successors, affiliates, distributors, third parties providing information on this site or assigns be liable to any user of its site (s), their successors or assigns or any other third-party or entity for any direct, indirect, consequential, punitive, extraordinary, exemplary, special or incidental damages (including, but not limited to, damages for loss of data, loss of use, or loss of revenue, profits or any other economic advantage) arising out of the use or inability to use the sites or any information contained thereon, whether based upon warranty, contract, tort, or otherwise, even if it arises that the sites have been previously advised of prospective potential damage or should have known of the possibility of such damages or losses, whether in tort or for breach.
You hereby acknowledge and understand that the preceding paragraph is applicable to all information found throughout the Sites, including but not limited to service details and products. In those states that limit or do not allow the exclusion or limitation of liability for consequential or incidental damages, liability is limited to the fullest extent permitted by law. Regardless of the foregoing, in no event shall PointeNorth’s liability to you or any third party exceed the greater of (a) the total amount you paid to us in the twelve month period preceding the action giving rise to the liability or (b) $100.
PointeNorth operates its Sites from its headquarters in Atlanta, Georgia, USA. We provide the Sites for use only by persons located in the United States. PointeNorth makes no claims that the Sites or any information on the Sites is available or appropriate outside of the United States. Access to Sites in other locations may be illegal and is prohibited. If you access the Sites from outside of the United States, you do so on your own initiative and at your own risk and are responsible for compliance with all applicable laws.
Your Comments and Concerns
All notices of copyright infringement claims should be sent to the copyright agent designated in our Copyright Policy in the manner and by the means set forth therein.
All other feedback, comments, requests for technical support and other communications relating to the Sites should be directed to: information@PointeNorthins.com.
Thank you for visiting our Sites.
Last Modified: December 31, 2018
At PointeNorth Insurance Group we deeply respect your privacy, and are fully committed to protecting it through our compliance with this policy.
This policy applies to information we collect on the Sites and in e-mail, text and other electronic messages between you and the Sites. It does not apply to information collected by us offline or through any other means or by any third party.
Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. By accessing or using the Sites, you agree to this policy. This policy may change from time to time. Your continued use of the Sites after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.
Collection and Use of Personal Information
Visitors to our Sites may generally browse without providing personally identifiable information. However, we collect personally identifiable information that you voluntarily provide on our Sites when you interact with features on our Sites, such as filling in forms on our Sites. Personal information which we may collect includes, without limitation, your name, address, phone number, and e-mail address. We use this information to communicate with you. We also collect this information about you generally to help us develop and customize our products and services to better serve our customers. When you submit personally identifiable and other information on our Sites, you are giving your consent to the collection, use and disclosure of such information in the manner set forth in this policy. Collected information is used for the benefit of PointeNorth to provide you information, such as information about our products and services as well as promotional marketing material about our company and partners.
Our Sites are not intended for children under 13 years of age. No one under age 13 may provide any information to or on the Sites. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on the Sites or on or through any of its features/register on the Sites, use any of the interactive or public comment features of the Sites or provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at the email address below.
Disclosure of Personal Information
We never disclose your personal information without your consent; provided that we may disclose your personal information to unaffiliated third parties under the following circumstances without your consent:
- We may disclose any information, including your personal information, we deem necessary in our sole discretion, to comply with any applicable law, regulation, court order, government request, or other legal process;
- We may retain other companies and individuals to perform functions consistent with this policy on our behalf, examples include customer support specialists, Web hosting companies and billing and collection providers. Such third parties may be provided access to personally identifiable information needed to perform their functions, but may not use such information for any other purposes;
- We may disclose personal information to a buyer or successor in interest in the event of a merger, restructuring, reorganization or other sale or transfer of some or all of PointeNorth’s assets, whether as a going concern or as part of a bankruptcy or similar proceeding;
- The rules or terms and conditions of certain special offers or promotions from PointeNorth on to which you consented may indicate that your personally identifiable information will be shared with third parties in connection with such special offers or promotions; and
- We may disclose the personal information to fulfill the purpose for which you provide it or for any other purpose disclosed by us when you provide the information.
Cookies and IP Addresses
Demographic and profile data is also collected at our Sites. We use this data to tailor and enhance your experiences at our sites, to show you content that we think you might be interested in, and to display the content according to your preferences. The Sites mechanically receive and record information on our servers from your browser, including your IP address, this Sites’ cookie information, and the page you request. These help us identify you, keep track of information in connection with your interaction the Sites, personalize sites when you use them and maintain the error-free performance of our servers. If your browser is set to reject cookies we will not be able to recognize you or provide any customized personalization. Demographic and profile data is also collected at our Sites. We use this data to tailor and enhance your experiences at our Sites, to show you content that we think you might be interested in, and to display the content according to your preferences. Non-personal information obtained through cookies or other electronic tools may be shared with or obtained by our service provider or other third parties.
The Sites contain links to and from other websites that are not part of the PointeNorth Alliance, and PointeNorth is not responsible for the privacy practices or the content of these other sites. We encourage you to read the privacy policies of other websites that you link to from our Sites or otherwise visit.
Choices Concerning your Account Information and Personal Information
If requested from you by us, you can always choose not to share personal information, although it may prevent you from being able to take advantage of certain features offered on the Sites. New categories of marketing communications may be added from time to time. Users can opt out of receiving future marketing communications from us at any time or they can unsubscribe by following instructions in the messages they receive. Users can “opt-out” of having their personal information used for purposes not directly related to our site at the point where we ask for the information, like unsubscribing from our mailing list at any time. In accordance with the laws of CANSPAM, your request will be processed within 10 business days. We may ask for demographic information such as age, zip code or income level for surveys and/or contests. This is strictly at your discretion, can be withdrawn at any time, and would be used to determine appropriate promotions, products and services.
If you have any questions or comments about this policy, please contact us at: