Web Site Disclaimers


Downloads and Links to other sites:

Howe Insurance Services does not make any express or implied warranties, representations or endorsements with respect to downloadable files on this site. Howe Insurance Services web sites provide links to outside web sites. Because Howe Insurance Services does not review or control the content of these sites, we cannot be held responsible or liable for the content or accuracy of these external web sites.

Limitation of Liability:

By using the Howe Insurance Services web sites, you agreee that Howe Insurance Services shall not be liable or responsible, directly or indirectly, for any damage or loss alleged to be caused by or in connection with the use of this site.

Changes:

We reserve the right to make changes to the Howe Insurance Services web site and our legal disclaimers. We encourage you to review the Howe Insurance Services web sites and these disclaimers periodically for any updates or changes. Your continued access or use of these sites shall be deemed your acceptance of these disclaimers and any subsequent changes.

Web Site Privacy Statement


Your privacy is important to us. We are committed to protecting your privacy and earning your trust. We respect your right to keep your personal information confidential and to avoid unwanted solicitations. This Privacy Statement explains the types of information we gather and what we do with it.

We collect nonpublic personal information about you and members of your household in connection with your insurance transactions with us. The type of information collected may vary depending on the type of policy or coverage you buy, but may include:

  • information we receive from you on applications and other forms
  • information about your transactions with us, our affiliates or others
  • information we receive from consumer reporting agencies and other sources
  • with your consent, we may ask a medical professional who has treated you or members of your family to confirm or give us more details about medical information you have given us.

In addition, we store a small data file called a "cookie" on your computer when you sign onto our Web site. The cookie holds information that identifies you to our Web site. Our Web site does not use cookies to retrieve any information from your computer.

We do not sell or provide any information we gather to third parties who may wish to provide you with information about their products or services.

We may, as permitted by law, provide information about you to certain persons or organizations. The types of persons or organizations we may share this information with include:

  • persons or organizations which perform professional, business, or insurance functions for us
  • your agent;
  • insurance support organizations;
  • independent claims adjusters;
  • regulatory and enforcement authorities.

As part of servicing or maintaining your contract, and for other legally permitted purposes, we may disclose your nonpublic personal information among the Insurance Companies we represent.

We have procedures that restrict access to nonpublic personal information about you to our employees and others who need to know that information to provide products or services to you.

We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.

For more information concerning our privacy policy you may write to us at:

Howe Insurance Services Ltd.
PO Box 280
Caldwell, Ohio 43724