This policy covers how VGW Insurance, LLP treats personal information that we receive, collect and store, including information related to your past use of our services. Personal information is information about you that is personally identifiable like your name, address, email address, phone number, driver’s license number, driver information or other personal information provided to us in connection with your use of this website and our services, and that is not otherwise publicly available.
Information Collection and Use
VGW Insurance LLP collects personal information when you use this website. When you use this website to get a quote, we ask for information such as your name, email address, birth date, gender, zip code, occupation, driver’s license, driving record, and certain other information necessary for to provide you with insurance premium rate quotes. Additionally, we may ask for your address, Social Security number and information about the assets for which you are seeking insurance protection. Once you use our services, you are not anonymous to us.
VGW Insurance LLP collects information about your insurance policy request and forwards your information to our insurance carriers we represent for insurance policy rate quote information. They may use this information in order to seek other information in order to provide your rate quote information. That may include credit reports, motor vehicle reports, previous claims activity and other relevant information. The parties providing this information may include affiliated insurance underwriting companies, claims representatives, independent contractors, insurance agents and brokers, and courts and government agencies.
We automatically receive and record information on our server logs from your browser, including your IP address, cookie information and the page you request. We use the collected information for the following general purposes: to fulfill your insurance rate quote request, customize the advertising and content you see, improve our services, contact you, conduct research, provide anonymous reporting for internal and external purposes, and for certain other analytical purposes. Our analysis produces “cumulative output” and does not show, display or report specific personally identifiable information.
Information Sharing and Disclosure
We do not sell, share, license or provide personal information about you to any other people or
nonaffiliated companies other than to those carriers from which we request insurance policy rate quotes on your behalf. In connection with our provision of your information, note that:
(a) We will provide the information to trusted partners who work on our behalf and
are under confidentiality agreements. These companies or contractors may use your
personal information to help us provide services to you.
(b) We will respond to subpoenas, court orders or legal process, or to establish or
exercise our legal rights or defend against legal claims. We believe it is necessary to share
information in order to investigate, prevent or take action regarding illegal activities,
suspected fraud, situations involving potential threats to the physical safety of any person,
or as otherwise required by law.
(c) We will transfer information about you if we are acquired by or merged with
another company. In that event, we will post appropriate notifications on this privacy
policy before your information is transferred and becomes subject to a different privacy
Confidentiality and Security
We will maintain the confidentiality of the information that we collect during your visit to our website. We do this by maintaining internal practices that help to protect the security and confidentiality of this information and by limiting access to personal information about you to employees who we reasonably believe need to come into contact with that information to provide products and services to you or in order to do their jobs.
When you log onto our website, our website system assigns you a unique identification number and records that number in the cookie file for your computer. Then, when you visit us again, we are able to read this number to help gain prompt access to your information. The cookie can help ensure that your information is kept accurate and also, as a matter of convenience, keeps you from having to re‐enter certain personal and identifying information. Despite its existence, the cookie will not be associated with any personal information about you and VGW Insurance LLP will not be able to identify you personally online. The information stored in the cookie is in an encrypted format and cannot be read without the encryption key.
While we believe that certain cookies enhance your web experience with our website, you have the option of setting your web browser to reject cookies. However, doing so may negatively impact the performance of this website.
We may, from time to time, update this policy. We will prominently post on this policy page, the date and content of any significant changes in the way we treat personal information.
The security of all information associated with our users is an important concern to us. As stated above, we exercise care in providing secure transmission of your information from your computer to our and our affiliates, servers. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any personal information you transmit to us or from our online products and services, and you do so at your own risk. Once we receive your transmission, we, including our affiliates, use industry standard efforts to safeguard the confidentiality of your personal information, such as firewalls and secure socket layers. However, “perfect security” does not exist on the Internet.
LIMITATION OF LIABILITY
VGW INSURANCE LLP WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM YOUR USE OF THIS WEBSITE, INCLUDING, BUT NOT LIMITED TO DAMAGES OR INJURY CAUSED BY ANY: (a) USE OF (OR INABILITY TO USE) OUR WEBSITE; (b) USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM OUR WEBSITE; (c) FAILURE OF PERFORMANCE; (d) ERROR; (e) OMISSION; (f) INTERRUPTION; (g) DEFECT; (h) DELAY IN OPERATION OR TRANSMISSION; (i) COMPUTER VIRUS; OR (j) LINE FAILURE. VGW INSURANCE LLP IS NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY, OR OTHER
MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY.
FURTHERMORE, EXCEPT AS PROVIDED BELOW, VGW INSURANCE LLP IS NOT LIABLE EVEN IF WE HAVE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR BOTH.
HOWEVER, IN CERTAIN STATES WHERE THE LAW MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR THESE INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY AND YOU MAY HAVE THE RIGHT TO RECOVER THESE TYPES OF DAMAGES. IN ANY EVENT, THE LIABILITY OF VGW INSURANCE LLP TO YOU FOR ALL LOSSES, DAMAGES, INJURIES AND CLAIMS OF ANY KIND, WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, OR THEY ARE CLAIMED TO BE CAUSED BY NEGLIGENCE OR OTHER WRONGFUL CONDUCT OR ANY OTHER LEGAL THEORY, WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITES.
THE MATERIAL ON AND PROVIDED THROUGH THIS WEBSITE IS PROVIDED ON AN “AS IS” BASIS. THIS MEANS THAT WE DISCLAIM ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN THE SITES. THIS INCLUDES, BUT ITS NOT LIMITED TO, WARRANTIES THAT: (a) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (b) THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR‐FREE; (c) THAT DEFECTS WILL BE CORRECTED; (d) THAT OUR SITE, OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (e) THAT INFORMATION CONTAINED IN THE SITE IS ACCURATE AS OF ANY PARTICULAR DATE.
Questions and Suggestions
VGW Insurance, LLP
4040 McDermott Road, Suite 200
Plano, Texas 75024