This outlines the Terms and Conditions relating to your use of OregonInsuranceAdvisor.com and provides additional information about the applicable use of this site regardless of how you accessed it. If you do not wish to be bound by these Terms and Conditions, please discontinue using and accessing this site immediately.

ABOUT THIS SITE

The content of OregonInsuranceAdvisor.com is for general information purposes only and does not constitute advice. Please do not consider this to be your only source of information for insurance, always read a sample or specimen insurance policy to know what you are being covered for.  Any questions that you have regarding coverage will be found in a specimen of the insurance policy you intend to purchase. Products change all the time, I always do my best to keep up to date on changes in the industry, this site is not a substitute for an individualized one-on-one review of your insurance needs that would guide you through exposures that are unique to yourself or your business. Visitors to this site should not act upon the content or information without first seeking appropriate advice or feedback from an insurance professional.

All content and information at this site might be changed or updated without notice. This site might also have changes or improvements at any time without notice.

This web site is provided “as is” and I expressly disclaim any and all warranties, express or implied, to the extent permitted by law, including but not limited to warranties of satisfactory quality, merchantability, or fitness for a particular purpose, with respect to the service or any materials.

PRIVACY

I have made every possible effort to maintain your complete and absolute privacy while using this web site. Your personal information will never be shared with others, sold or given to any other entity for marketing purposes, or passed on to third parties for any other reason.

I ask as little personal information possible to prepare insurance quotations. If information is ever viewed by another party it is purely accidental, and in using our site, you release me from liability should this information be retrieved, downloaded, or viewed against our wishes, and contrary to privacy rules and laws. I shall not be held liable for any fraudulent, dishonest, or criminal acts of others who view or steal such information through technical or other means.

Be assured that all information you provide in the quote process is handled with utmost confidentiality.

Your privacy is very important. Again, the information you provide will never be sold.

INSURANCE QUOTES & COVERAGES

On-line quotes are not generated and provided to you in real time, quotes are manually rated in our office and are provided to you if all information is completed with the online application. If information is missing in the application we will attempt to reach you by phone and email to get the necessary information to provide you with an accurate rate quote.

You should be aware that an insurance policy is a legal contract. It is written so your rights and responsibilities, as well as those of the insurance company, are clearly stated. When you purchase insurance, you will receive a policy. All quotes that are generated are estimates based upon the information you provided and is not a contract, binder, or agreement to extend insurance coverage.  To obtain coverage you must submit an application and provide a down payment for coverage. All applications are subject to underwriting approval.

When you receive your insurance policy read it and make certain you understand its contents. If you have questions about your insurance policy,  you can contact me for clarification. This website does not insinuate that you will have insurance coverage by submitting a request for insurance.

DISCLAIMER FOR LINKS TO EXTERNAL WEBSITES

For your convenience, I have provided links to other Internet sites that I do not maintain.

Any link from this site to an external Web site does not imply or mean that I endorse or accept any responsibility for the content or the use of such Web site. Links taken to other sites are done so at your own risk and again I accept no liability for any linked sites or their content.

I do not give any representation regarding the quality, safety, suitability, or reliability of any external Web sites or any of the content or materials contained in them. It is important for users to take necessary precautions, especially to ensure appropriate safety from viruses, worms, Trojan horses and other potentially destructive items.

When visiting external Web sites, you should review those Websites' privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

DISCLAIMER OF ENDORSEMENT

Reference within this site to any specific commercial or non-commercial product, process, or service by trade name, trademark, manufacturer or otherwise does not constitute or imply an endorsement, recommendation, or favoring by my services.

References to books, software, web sites, or products as “Recommended” are specific suggestions only and do not necessarily constitute or imply an endorsement.