Disclosures, Terms & Conditions

Privacy Policy Disclosure

This Privacy Policy is for the website of AFOX & Associates LLC., an independent insurance marketing brokerage. The purpose of this policy is to inform you of the type of information that we may collect, how we use this information, and how we protect your privacy.

Collection and Use of Information
We may collect personal information from you when you voluntarily provide it to us, such as when you fill out an online form or send us an email. This may include your name, address, phone number, email address, and other personal information that you choose to share with us.

We may also collect non-personal information when you visit our website, such as your IP address, browser type, operating system, and the pages that you visit. This information is used to help us improve the functionality of our website and to enhance your experience while visiting our site.

Protection of Information
We take the protection of your personal information seriously and have implemented appropriate security measures to ensure that your information is kept safe. However, we cannot guarantee the security of any information that you transmit to us online, and you do so at your own risk.

Indemnification of Corporate Entity
We contract with independent producer associates who may collect and use your personal information in the course of providing you with insurance marketing services. While we strive to ensure that our independent producer associates comply with all applicable laws and regulations governing the collection and use of personal information, we cannot be held responsible for their actions.

By using our website and providing us with your personal information, you agree to indemnify and hold harmless AFOX & Associates LLC, and its officers, directors, employees, and agents from any and all claims, damages, and expenses arising from the actions of our independent producer associates.

Log Data
We may collect information that your browser sends whenever you visit our website. This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our website that you visit, the time and date of your visit, the time spent on those pages, and other statistics.

Cookies
We use “cookies” to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.

Changes to Our Privacy Policy
We reserve the right to modify this Privacy Policy at any time. Any changes will be posted on our website, and your continued use of our website after such changes have been posted will constitute your acceptance of such changes.

Contact Us If you have any questions or concerns about our Privacy Policy, please contact us at info@webadmin087f091f9c

Terms and Conditions Policy for AFOX and Associates LLC

Welcome to AFOX and Associates LLC (hereafter referred to as “AFOX”). These Terms and Conditions (“Terms”) govern your use of the AFOX website (“Site”), products, and services. By using the Site, products, or services, you agree to these Terms. If you do not agree to these Terms, please do not use the Site, products, or services.

Termination of Abusive Users
AFOX reserves the right to terminate any user who engages in abusive behavior or violates these Terms, at our discretion. This includes but is not limited to, harassment, hate speech, threats, or other harmful behavior towards other users, employees of AFOX, or any other individuals. AFOX will not tolerate any form of abusive behavior, and we reserve the right to take legal action against users who engage in such behavior.

Avoiding Lawsuits
By using the Site, products, or services, you agree to hold harmless and indemnify AFOX and Associates LLC from any and all lawsuits, claims, damages, or expenses arising from your use of the Site, products, or services.

Protection of Intellectual Property
AFOX respects intellectual property rights and requires users to do the same. Users may not use any content from the Site, products, or services, without obtaining written permission from AFOX. AFOX reserves the right to take legal action against users who engage in unauthorized use, distribution, sale or sharing of any intellectual property.

Regulating User Conduct
AFOX reserves the right to regulate user conduct on the Site, products, or services. Users are expected to use the Site, products, or services for lawful purposes only. Users may not engage in any conduct that is harmful, offensive, or violates any applicable laws or regulations.

Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of laws principles.

Limitation of Liability and Warranty Disclaimers
AFOX provides the Site, products, and services “as is” and “as available” without any warranty of any kind, either express or implied, including but not limited to, warranties of merchantability, fitness for a particular purpose, or non-infringement. AFOX is not responsible for any computer maladies, device malfunctions, data losses, or user enjoyment, product, or service satisfaction guarantees. AFOX shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from the use of the Site, products, or services.

Prohibited Abusive Discussions
Users may not engage in any discussions that are abusive, offensive, or violate any applicable laws or regulations. This includes, but is not limited to, harassment, hate speech, threats, or other harmful behavior towards other users, employees of AFOX, or any other individuals. AFOX reserves the right to take legal action against users who engage in such behavior.

Violation of Conditions
Violation of any of these Terms may result in the termination of your access to the Site, products, or services, and AFOX reserves the right to take legal action against users who engage in such behavior.

Contact Us
If you have any questions or concerns about our Terms and Conditions Policy, please contact us at info@webadmin087f091f9c

Independent Marketing Organization & Brokerage Disclosure

AFOX and Associates LLC is an independent insurance brokerage that offers products including but not limited to life insurance, health insurance, Medicare plans, Medicare Supplement plans, and annuities. These products are available to individuals as well as groups and organizations that have permitted insurable interest, and reside in a permitted state.

CMS Compliance
AFOX and Associates LLC is committed to providing a fiduciary service to our clients. We are dedicated to reviewing all beneficial options available to clients to ensure their unique needs are met. While we work diligently to represent a broad range of plans and providers, not all plans may be represented. As an independent marketing organization, we adhere to the CMS compliance regulations.

National Producer Registration Number
AFOX and Associates LLC is a licensed and contracted independent marketing organization with assigned national producer registration number 18419883.

If you have any questions or concerns about our disclosure, please contact us at info@afoxassoc.com.