This Privacy Policy explains how Merit Insurance collects, uses, discloses, and protects personal information through its website and insurance brokerage services.
Information We Collect
We may collect: Contact, identification, account, application, and payment information you provide; Insurance, financial, employment, property, motor-vehicle, and other information needed for brokerage services; Information from insurance carriers, partners, service providers, public sources, and other individuals; Automatically collected information such as IP address, device and browser details, pages viewed, usage data, cookies, pixels, and similar technologies. Please do not submit sensitive personal information unless requested through an appropriate secure process.
How We Use Information
We may use personal information to:
Respond to inquiries and provide quotes, applications, recommendations, and insurance services; Submit information to carriers and other insurance-market participants; Verify identity, eligibility, coverage, and accuracy; Underwrite, rate, issue, administer, renew, and service policies; Process payments and maintain records; Communicate about services, policies, transactions, and marketing where permitted;
Operate, secure, personalize, and improve our website and services; Detect fraud and security incidents;
Comply with legal, regulatory, and licensing requirements; and Fulfill purposes disclosed at collection or otherwise permitted by law.
How We Share Information
We may disclose information to: Insurance carriers, managing general agents, wholesalers, reinsurers, premium-finance companies, and other insurance partners; Technology, hosting, storage, security, CRM, communications, payment, analytics, identity-verification, document-processing, and professional-service providers; Government authorities, courts, regulators, law enforcement, and other parties when legally required or necessary to protect rights, safety, or property; and Parties involved in a merger, acquisition, financing, reorganization, sale of assets, bankruptcy, or similar transaction. We do not sell personal information for monetary consideration. We do not share it for cross-context behavioral advertising except as described here and as permitted by law.
Insurance Information and Consumer Reports
Insurance services may involve collecting and sharing consumer reports, motor-vehicle records, property information, medical information, or other regulated data. These activities may be governed by federal and state insurance and privacy laws, the Fair Credit Reporting Act, HIPAA where applicable, and other requirements. Additional notices or authorizations may be provided when required.
Cookies and Communications
Cookies and similar technologies may be used for functionality, preferences, security, analytics, and advertising measurement. You may control cookies through your browser or available privacy-preference tools. We may send service-related communications and, where permitted, marketing messages. You may unsubscribe from promotional emails or reply STOP to text messages, unless otherwise stated. Service and legally required communications may continue.
Retention and Security
We retain personal information as reasonably necessary to provide services, maintain records, resolve disputes, comply with legal obligations, and protect our interests. We use administrative, technical, and physical safeguards, but no method of transmission or storage is completely secure.
Your Privacy Rights
Depending on applicable law, you may have the right to access, correct, delete, or obtain a portable copy of your information; opt out of certain sales or sharing; limit certain uses of sensitive information; and appeal a privacy-rights decision. Requests may require identity verification and may be subject to legal and insurance-related exceptions. Authorized agents may submit requests where permitted by law
Terms & Conditions
Terms and Conditions
Last Updated: [Date]
These Terms and Conditions (“Terms”) govern your access to and use of the website operated by Merit Insurance (“Company,” “we,” “us,” or “our”), including all content, features, and services made available through the website (collectively, the “Website”).
By accessing or using the Website, you agree to these Terms. If you do not agree, please do not use the Website.
1. Website Purpose
The Website provides general information about our insurance brokerage services and may allow you to request information, contact us, submit an inquiry, or begin an insurance application or quote process.
Website content is provided for general informational purposes only. It does not constitute insurance, legal, tax, financial, or professional advice, and it does not create an insurance policy, coverage commitment, fiduciary relationship, or guarantee of coverage.
2. No Insurance Coverage or Binding Authority
Submitting information through the Website, requesting a quote, or communicating with us does not bind coverage or create an insurance contract.
Coverage is effective only when confirmed in writing by an authorized representative and, where applicable, the insurance carrier. Policy terms, conditions, exclusions, limits, deductibles, underwriting requirements, and premiums are governed solely by the applicable insurance policy and related documents.
We do not guarantee that coverage will be available, affordable, appropriate, or accepted by any insurance carrier.
3. Eligibility and User Responsibilities
You agree to:
· Provide accurate, current, and complete information;
· Update information when necessary;
· Use the Website only for lawful purposes;
· Comply with all applicable laws and regulations;
· Keep any account credentials confidential;
· Avoid impersonating another person or misrepresenting your identity or affiliation; and
· Avoid interfering with the Website’s operation, security, or availability.
You are responsible for reviewing all information you submit before sending it to us.
4. Quotes and Communications
Any quote, estimate, illustration, or other information provided through the Website is subject to change and may depend on additional information, verification, underwriting, carrier approval, and receipt of required documents or payment. We may contact you by email, telephone, or text message regarding your inquiry, quote, application, policy, appointment, or other service-related matter. Where permitted by law, we may also send marketing communications. You may opt out of promotional messages by following the instructions provided in the message. Message and data rates may apply to text messages.
5. Electronic Communications and Signatures
When you communicate with us electronically, you consent to receive communications electronically, subject to applicable law. Electronic communications may include notices, disclosures, forms, confirmations, and other information related to your inquiry or services.
Electronic signatures and electronic records may have the same legal effect as written signatures and records where permitted by law. You may withdraw consent to electronic communications by contacting us, although doing so may affect our ability to provide certain services electronically.
6. Privacy
Our collection and use of personal information are described in our Privacy Policy, available at [Privacy Policy URL]. By using the Website, you acknowledge that you have reviewed the Privacy Policy.
You should not submit sensitive personal information through an unsecured form, email, or other Website feature unless specifically requested through an appropriate secure process.
7. Intellectual Property
The Website and its content—including text, graphics, logos, images, designs, software, videos, and other materials—are owned by or licensed to the Company and are protected by intellectual-property and other applicable laws.
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website for personal, non-commercial purposes. You may not copy, reproduce, modify, distribute, publish, sell, license, reverse engineer, or exploit Website content without our prior written permission.
8. User-Submitted Information
You retain ownership of information you submit through the Website. By submitting information, you grant us the right to use, reproduce, process, transmit, and disclose that information as reasonably necessary to respond to your request, provide services, communicate with you, obtain insurance-related information, and otherwise operate our business, subject to our Privacy Policy and applicable law.
You represent that you have the right to submit the information and authorize us to use it for these purposes.
9. Third-Party Websites and Services
The Website may contain links to third-party websites, applications, carrier portals, payment services, or other resources. These links are provided for convenience only.
We do not control or endorse third-party websites or services and are not responsible for their content, availability, security, terms, or privacy practices. Your use of third-party websites and services is subject to their applicable terms and policies.
10. Website Availability and Accuracy
We strive to provide accurate and current information, but we do not warrant that the Website or its content is complete, accurate, reliable, current, secure, or error-free.
We may modify, suspend, or discontinue any part of the Website at any time without notice. We are not responsible for interruptions, delays, technical failures, viruses, unauthorized access, or other events beyond our reasonable control.
11. Prohibited Conduct
You may not use the Website to:
· Violate any law or regulation;
· Submit false, misleading, or fraudulent information;
· Access another person’s information without authorization;
· Introduce malware or harmful code;
· Attempt to gain unauthorized access to the Website or related systems;
· Scrape, harvest, or collect information from the Website without permission;
· Interfere with the Website or its security features; or
· Use Website content to compete with or harm the Company.
We may suspend or terminate access to the Website if we believe these Terms have been violated.
12. Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.
WE DISCLAIM WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, ACCURACY, AVAILABILITY, AND SECURITY. WE DO NOT WARRANT THAT THE WEBSITE WILL MEET YOUR REQUIREMENTS OR OPERATE WITHOUT INTERRUPTION OR ERROR.
Nothing in these Terms limits any rights or protections that cannot lawfully be waived.
