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Terms of Use

The Terms of Use is an Agreement between you and Steven J. Gibbs and Insurance & Estate Strategies. By using this website, associated sites, hardware, software, or services through this website you agree to these Terms of Use in full. You also agree to provide true, accurate, current and complete information if requested by this website. If you do not agree with these Terms of Use in full, including the terms expressed in our Privacy Policy then you are not authorized to use any service of this website, and should not provide any information through this website.

The information presented on https://www.insuranceandestates.com/ and https://www.insuranceandestates.com/ is not an offer to solicit business. The material contained in this website is for informational purposes only and is only intended to provide a general description. All content is for informational purposes only. Statements on this website as to the content provided is general information only and we provide no warranty as to the accuracy. Users should consult with a licensed legal professional as to how the information presented here may pertain to their individual situation. Further, information provided on this website does not constitute professional advice. If you have legal, tax or financial planning questions, you need to contact a qualified professional.

Privacy

At Steven J. Gibbs and Insurance & Estate Strategies, we take your privacy seriously. We have a strong commitment to providing service second to none to all our customers and visitors of this Web site, including respecting your concerns about privacy. This Privacy Policy governs the manner in which Steven J. Gibbs and Insurance & Estate Strategies collects, and uses information collected from users (each, a “User”) of the https://www.insuranceandestates.com/ website (“Site”) and Personal identification information

We may collect personally identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, subscribe to the newsletter, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

Web browser cookies

Our Site may use “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

How we use collected information

Steven J. Gibbs and Insurance & Estate Strategies collects and uses Users personal information for the following purposes:

  • To improve our Site
  • To provide and improve customer service
  • To administer a content, promotion, survey or other Site feature
  • To enroll customers who desire our services
  • To open customer files and establish their accounts
  • To send periodic emails to respond to inquiries, and/or other requests or questions. If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.

How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.

Sharing your personal information

We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above. We may use third party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission.

Legal Disclaimer

We reserve the right to disclose your personally identifiable information, as required, to comply with the law, applicable regulations, governmental and quasi-governmental requests, judicial proceedings, court orders or subpoenas, to enforce our Legal Notices or other agreements, or to protect our rights, property or safety or the rights, property or safety of our users or others (e.g., to a consumer reporting agency for fraud protection etc.). By submitting your request for contact you are consenting to receive communication including a telephone call from our company even if you have been previously listed on the state or federal Do-Not-Call List.

Third party websites

This Web site may contain links to other sites such as our affiliates which are not owned or controlled by us. Please be aware that this privacy policy only addresses our company’s use and disclosure of your information collected on this site.

While we try to link only to sites that share our standards and respect for privacy, we are not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our site and to read the applicable privacy policies and terms of conditions of each and every Web site that collects personally identifiable information.

This privacy statement applies only to information collected by this Web site.

Google Adsense

Some of the ads may be served by Google. Google’s use of the DART cookie enables it to serve ads to Users based on their visit to our Site and other sites on the Internet. DART uses “non personally identifiable information” and does NOT track personal information about you, such as your name, email address, physical address, etc. You may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at http://www.google.com/privacy_ads.html

Changes to this privacy policy

Steven J. Gibbs and Insurance & Estate Strategies has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Your acceptance of these terms

By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

Contacting us 

If you have any questions about this Privacy Policy, Disclaimer, Terms of Use, the practices of this site, or your dealings with this site, please contact us.