Copyright and Privacy

Copyright

The Heber Insurance logo, and other marks, including the names of various products and services described within and offered by companies represented by Heber Insurance and its subsidiaries are service marks of these companies.

Permission to use, copy and distribute these materials without fee is hereby granted, for non-commercial purposes, provided that the material is unaltered and the Heber Insurance copyright notice appears in all copies.

Use of this site shall be governed by and construed in accordance with the laws of the State of Maryland without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Maryland.

Should any provision of our terms and conditions be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

Privacy Statement

In applying for insurance products and services with Heber Insurance, Inc., you have provided us with personal, non-public information, about yourself or your company. This information is fundamental to our ability and our commitment to furnish to you, the finest products and the best customer service. We do place great importance on keeping your personal information private and secure.

We collect most of the information that we need directly from you. Generally, the application forms and questionnaires that you complete provide us with all the information that we need to properly evaluate the providing of insurance products and services and to calculate proper pricing. On occasion, we may seek additional information, such as your creditworthiness or credit history, from third party reporting agencies. The information, if any, that we receive from these third parties is kept strictly confidential.

The categories of non-public personal and financial information that we collect may include your name, address, social security or employer identification number, assets, income, date of birth, motor vehicle driving information and other information that is appropriate or necessary to provide you with the insurance products and services that you request.

We do not disclose any non-public personal or financial information about our customers or former customers to anyone, except as permitted or required by law.

Information about you is kept in our records and may be shared with affiliated parties as permitted by law. We refer to and use that information for purposes related to issuing and servicing your insurance policies and administering claims.

We restrict access to non-public information about you to only those employees who need the information to provide products or services to you. We maintain physical, electronic and procedural safeguards to protect your non-public personal and financial information. The safeguards that we utilize comply with federal and state regulations.

We value the relationship that we have established with current and former customers. Should you have any comments or questions regarding our Privacy Policy, please contact us.

Information Gathering

The Heber Insurance website is designed to give our customers and prospective customers a confidential means of gathering information about our company, services and products and for doing business with us over the Internet. In general, our site will only collect consensual data from you that will be used to quote requests. We do log general statistical information such as the domain name, IP address and browser type of our site visitors through a site reporting tool that runs on our server. This information is used internally only to show activity and trends of our site usage to our content providers. The log file information does not contain personally identifiable information, such as name, address, phone, etc. We may share information about you in the normal business of conducting insurance operations such as providing you with an insurance quote. For example, for auto insurance, we routinely obtain a report of any accidents or convictions from the State Motor Vehicle Department.

We do not share any non-public personal information about you with non-affiliated third parties other than entities which perform business functions integral to the provision or servicing of our insurance products, or when required or permitted by law. We also do not sell any customer or policyholder information to mailing lists companies or mass marketing companies. If we disclose such non-public personal information about you to a nonaffiliated third party, (except where permitted or required by law) you will first be given an opportunity to opt-out of our providing such nonpublic personal information. We treat our policyholder information as confidential.

By using our web site, you consent to the collection and use of this information by Heber Insurance. If you do not agree to this policy, please do not use this site. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.