Please read the following legal notices carefully.  Your use of this web site constitutes your agreement with the terms and conditions set forth below.  These terms and conditions may be changed or updated at any time.   You are responsible for reviewing them periodically for current information.   

             Links

Links from this site to any non-Schramm, Tingen & Associates site may be provided for users’ convenience only.  Schramm, Tingen & Associates does not control or review these sites nor does the provision of any link imply endorsement or association of such sites.  If you decide to access such non-Schramm, Tingen & Associates sites, you are at your own risk.  

Liability

The website may contain inaccuracies or typographical errors. Schramm, Tingen and Associates makes no representations about the accuracy, reliability, completeness, or timeliness of the material. The use of the website and the material is at your own risk. Changes are periodically made to the website and may be made at any time.  


Schramm, Tingen and Associates DOES NOT WARRANT THAT THE WEB SITE WILL OPERATE ERROR-FREE OR THAT THE WEB SITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES AND OTHER HARMFUL GOODS. THE WEB SITE AND MATERIAL ARE PROVIDED ON AN "AS IS" BASIS WITHOUT ANY WARRANTIES OF ANY KIND.  


In no event shall Schramm, Tingen and Associates be liable for any damages whatsoever (including, without limitation, special, indirect, incidental and consequential damages, lost profits, or damages resulting from lost data or business interruption) resulting from the use or inability to use the website or any delays, errors, malfunctions, compatibility problems or breakdowns with respect to the website and the Material, whether based on warranty, contract, tort or any other legal theory and whether or not Schramm, Tingen and Associates is advised of the possibility of such damages.  

      Privacy Policy

              PURPOSE OF THIS NOTICE

Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any insurance or financial institution, directly or through its affiliates, from sharing nonpublic personal information about you with a nonaffiliated third party unless the institution provides you with a notice of its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed. In compliance with the GLBA, we are providing you with this document, which notifies you of the privacy policies and practices of this agency.

The GLBA further requires we inform you that you have a right to prevent us from sharing nonpublic personal information about you with a nonaffiliated third party for any purpose that is not specifically authorized by law. Your right to prevent us from sharing nonpublic personal information about you with a nonaffiliated third party for a purpose that is not specifically authorized by law is called your right to “opt-out” of such information sharing.

             OUR PRIVACY POLICIES AND PRACTICES

1. Information we collect: 
 
We collect nonpublic personal information about you from the following sources: 
• Information we receive from you on applications or other forms. 
• Information about your transactions with us, our affiliates or others. 
• Information we receive from a consumer reporting agency. 
• Information we receive from medical records or medical professionals.

Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected about you.

      2. Information we may disclose to third parties:

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

      3. Nonaffiliated third parties to whom disclosures may be made:

We disclose nonpublic personal information about you only to nonaffiliated third parties as permitted by law.

      4. Our practices regarding information confidentiality and security:

We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

      5. Our policy regarding dispute resolution:

Any controversy or claim arising out of or relating to our privacy policy, or the breach thereof, shall be settled by arbitration in accordance with the rules of the American Arbitration Association, and judgement upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

      6. Reservation of the right to disclose information in unforeseen circumstances:

In connection with the potential sale or transfer of its interests, this agency and its affiliates reserve the right to sell or transfer your information (including but not limited to your address, name, age, sex, zip code, state and country of residency and other information that you provide through other communications) to a third party entity that (1) concentrates its business in a similar practice or service; (2) agrees to be this agency’s successor in interest with regard to the maintenance and protection of the information collected; and (3) agrees to the obligations of this privacy statement.