Terms of service.
Statements on the Great Lakes Crop Insurance, L.L.C. Web Site (the “Web Site”) as to insurance policies, the coverage provided by such policies, and other content provide general information only and Great Lakes Crop Insurance, L.L.C. makes no warranty, express or implied, including the warranties of merchantability and fitness for a particular purpose, or assumes any legal liability or responsibility for the accuracy, completeness, reliability or usefulness of any information, product, service or process disclosed on this Web Site. Clients should consult with their licensed insurance agent as to how the insurance products and services described may pertain to their individual situation.
Any hypertext links to other sites or vendors are provided as a convenience only. Great Lakes Crop Insurance, L.L.C. has no control over those sites or vendors and therefore cannot endorse, warrant or guarantee the accuracy of any information provided by those sites or the services provided by those vendors.
Any rights not expressly granted herein are reserved.
Information provided on this Web Site does not constitute legal, tax or financial planning advice. If you have legal, tax or financial planning questions, you need to contact a qualified professional.
AGREEMENT BETWEEN USER AND Great Lakes Crop Insurance, L.L.C.
The Web Site is comprised of various Web pages operated by Great Lakes Crop Insurance, L.L.C.
The Web Site is offered to you conditioned on your acceptance, without modification, of the terms, conditions, and notices contained herein. Your use of the Web Site constitutes your agreement to all such terms, conditions, and notices.
MODIFICATION OF THESE TERMS OF USE
Great Lakes Crop Insurance, L.L.C. reserves the right to change the terms, conditions, and notices under which the Web Site is offered.
LINKS TO THIRD PARTY SITES
The Web Site may contain links to other Web Sites (“Linked Sites”). The Linked Sites are not under the control of Great Lakes Crop Insurance, L.L.C. and Great Lakes Crop Insurance, L.L.C. is not responsible for the content of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Great Lakes Crop Insurance, L.L.C. is not responsible for webcasting or any other form of transmission received from any Linked Site. Great Lakes Crop Insurance, L.L.C. is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Great Lakes Crop Insurance, L.L.C. of the Linked Site or any association with or endorsement by its operators.
NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of the Web Site, you warrant to Great Lakes Crop Insurance, L.L.C. that you will not use the Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Web Site in any manner which could damage, disable, overburden, or impair the Web Site or interfere with any other party’s use and enjoyment of the Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Web Site.
PRIVACY POLICY
Great Lakes Crop Insurance, L.L.C. respects your online privacy. The Great Lakes Crop Insurance, L.L.C. privacy policy is intended to describe how we use and handle personal information as pertains to your usage of the Web Site located at http://www.greatlakescropinsurance.com
What information do we collect?
We primarily collect information from you when you sign onto our site or fill out a form. When requesting information through one of our online forms, you may be asked to enter: your email address and information about your crops, yield and revenue history, market positions, options positions, and insurance.
Additionally, we collect anonymous information from all users to track how our site is used in general. This information includes: how many pages users visit, how long they spend on the Web Site, what pages are viewed, and how they found the Web Site. This information does not include personal identifying information, other than your computer’s IP address.
What do we use your information for?
We use information we collect primarily so that you can access the website, email you concerning insurance quotes you request, and to support statistical analysis measuring interest in various areas of the Web Site.
In addition, information we collect may be used to enhance our Web Site with features that we intend to be useful for our visitors. Any of the information we collect from you may be used in one of the following ways:
• To respond to your questions or comments.
Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the services requested, or as required by law.
• To measure the effectiveness of our marketing efforts.
Great Lakes Crop Insurance, L.L.C. uses common online marketing tools to show advertising messages to potential customers. To ensure that our marketing is as relevant as possible, we measure the effectiveness of these ads as they relate to how visitors use our Web Site in general.
• To send periodic emails.
The email address that you provide will only be used to send you information and updates pertaining to your question.
If you decide to opt-in to our mailing list, you will receive emails that may include company news, updates, related product or service information, or information from other companies owned by or partnered with Great Lakes Crop Insurance, L.L.C.
• To monitor for potential fraudulent use of our site.
Due to the sensitive nature of insurance information, we monitor activity on our site as a good faith measure to ensure that our Web Site is in compliance with our terms of service.
How do we protect your information?
We implement a variety of security measures to maintain the safety of your personal information when you choose to submit information to us.
We offer the use of a secure server. All login and post-login information is transmitted to a secure server and then encrypted into our gateway and database only to be accessible by authorized employees with special access rights to such systems, all of whom are required to keep the information confidential.
After a transaction, your private information will be kept on file as required by law for record-keeping purposes and for the purpose of assisting you further at a later date.
Do we use Cookies?
Yes. Cookies are small files that a site transfers to your computer’s hard drive through your Web browser (if you allow). They enable the site to recognize you and capture and remember certain information as it relates to your usage of the site. Our cookies do not store personal information, or information which will later be used to identify you by any member of our staff.
We primarily use cookies to understand and save your preferences for future visits, and for authentication purposes.
Do we disclose any information to outside parties?
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. We may, however, share your information with the Risk Management Administration of the U.S. Department of Agriculture (RMA) and insurance companies approved to offer insurance programs reinsured by the Federal Crop Insurance Corporation and other entities offering risk management products as may be necessary for the issuance and administration of policies of insurance or other risk management products which you have purchased through Great Lakes Crop Insurance, L.L.C. or the processing of claims under those policies or products.
In addition, your information may be shared with trusted third parties who assist us in operating our Web Site, conducting our business, or providing services to you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
California Online Privacy Protection Act Compliance
Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.
As part of the California Online Privacy Protection Act, all users of our site may make any changes to their information at any time by calling us at 989-868-9500 between 8:00 am and 4:30 pm Monday through Friday (Eastern Time).
Your Consent
By using our site, you consent to our Web Site’s privacy policy.
Changes to our Privacy Policy
If we decide to change our privacy policy, we will post those changes on this page.
Contacting Us
If there are any questions regarding this privacy policy you may contact us using the information below:
Great Lakes Crop Insurance, L.L.C.
12729 E Washington Rd
Ste 1
Reese, MI 48757
LIABILITY DISCLAIMER
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. GREAT LAKES CROP INSURANCE L.L.C. MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE WEB SITE AT ANY TIME.
INFORMATION AND ADVICE RECEIVED VIA THE WEB SITE SHOULD NOT BE THE SOLE BASIS FOR RISK MANAGEMENT DECISIONS. YOU SHOULD CONSULT YOUR LICENSED INSURANCE AGENT FOR SPECIFIC INFORMATION AND ADVICE TAILORED TO YOUR SITUATION.
GREAT LAKES CROP INSURANCE L.L.C. MAKES NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE WEB SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. GREAT LAKES CROP INSURANCE L.L.C. HEREBY DISCLAIMS ALL WARRANTIES WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL GREAT LAKES CROP INSURANCE L.L.C. BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE WEB SITE, WITH THE DELAY OR INABILITY TO USE THE WEB SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE GREAT LAKES CROP INSURANCE L.L.C. WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF GREAT LAKES CROP INSURANCE L.L.C. OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE WEB SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEB SITE.
TERMINATION/ACCESS RESTRICTION
Great Lakes Crop Insurance, L.L.C.. reserves the right, in its sole discretion, to terminate your access to the Web Site and the related services or any portion thereof at any time, without notice.
ADDITIONAL TERMS
To the maximum extent permitted by law, this agreement is governed by the laws of the State of Michigan, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in Saginaw County, Michigan, U.S.A. in all disputes arising out of or relating to the use of the Web Site. Use of the Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.
You agree that no joint venture, partnership, employment, or agency relationship exists between you and Great Lakes Crop Insurance, L.L.C. as a result of this agreement or use of the Web Site.
Great Lakes Crop Insurance, L.L.C. performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement shall in any way limit Great Lakes Crop Insurance, L.L.C. right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Web Site or information provided to or gathered by Great Lakes Crop Insurance, L.L.C. with respect to such use.
If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.
Unless otherwise specified herein, this agreement constitute the entire agreement between the user and Great Lakes Crop Insurance, L.L.C. with respect to the Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Great Lakes Crop Insurance, L.L.C. with respect to the Web Site.
This agreement does not provide a license to use any software that may be accessed through the Web Site. Your right to use such software is contingent upon your agreement to the Online Software License Agreement which applies to the software.
A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.
TRADEMARKS
The names of any companies, logos and products mentioned or depicted on the Web Site may be the trademarks of their respective owners.
Except where expressly indicated otherwise, no endorsement by or affiliation with any company, organization, product, person, or event is intended or should be inferred.
NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT
Great Lakes Crop Insurance, L.L.C. respects the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement, pursuant to Title 17, United States Code, Section 512 (c) (2), notifications of claimed copyright infringement under United States copyright law should be sent to Great Lakes Crop Insurance, L.L.C.’s Designated Agent in accordance with Great Lakes Crop Insurance, L.L.C.’s Policy Concerning Claims of Infringement (see below).
ALL NOTICES NOT IN ACCORDANCE WITH THE FOLLOWING POLICY WILL NOT RECEIVE A RESPONSE:
1. Great Lakes Crop Insurance, L.L.C.’s Policy Concerning Claims of Infringement
a. Written Notice of Copyright Claims
Claims of infringement should be in writing and should be directed to Great Lakes Crop Insurance, L.L.C.’s designated agent as specified below. Please include the following information:
(1) A description of the copyrighted work that you claim has been infringed;
(2) A description of where the material that you claim is infringing is located on the site;
(3) Your address, telephone number, and email address;
(4) A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
(5) A signed statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.
b. Great Lakes Crop Insurance, L.L.C.’s Designated Agent for Notice of claims of copyright infringement is:
Douglas Elbers
Owner
Great Lakes Crop Insurance L.L.C.
12729 E Washington Rd
Ste 1
Reese, MI 48757