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THE PRIVACY POLICY

Young America Insurance Group of companies provide the public web YOUNGAMERICAINSURANCE.NET (“Websites”) to provide users with information about young America, their services and their insurance services in general. YOUNG AMERICA websites can be used for this purpose, and not only for commercial purposes, and whether their use is subject to the terms and conditions set out below or referred to herein (“Terms of Use”).

These terms legally bind the contract

Read these Terms of Use before using the Website carefully as they regulate your access to and use of the Website, as explained in more detail below.

By using YOUNG AMERICA Website, including browsing pages on or downloading any content from the site, you acknowledge to abide by and be legally bound by these Terms of Use, including any changes that may be posted from time to time. Such use will govern terms of using email on a specific date to use the pages and you will see that the terms of use in each visit to enable you to familiarize yourself with the recent terms of use of the site. If you do not agree that you are legally bound by these Terms of Use, Online Privacy Policies, or other terms posted on the Site, do not use the Site or download the content of the Website.

By accepting these terms and conditions by viewing the page, Young America may also require that you confirm your consent and acceptance of these Terms of Use by checking a box, especially when accessing or using certain features available on the site.

Limited license

The content of the Site, including but not limited to substances, information, text, software, principles, scripts, graphics, images, sounds, music, videos, interactive specialties and brands, service marks and logos (joint, “Content”) are owned or licensed by young America, unless expressly waived and subject to copyright, trademark and other intellectual property rights under the law.

Following these Terms of Use, Young America gives you limited access to viewing, accessing and displaying content on these sites for personal use. This grant is limited to your duration and scope. Support is not transferable or exclusive. YOUNG AMERICA may terminate the donation, in whole or in part, for any reason and at any time, with or without notice. This support also depends on your agreement not to interrupt or attempt to interfere with the site operations.

You can only download content for the above purposes. This license is not a transfer of title to the content or a copy of the content and is designated to the following constraints:

You may not alter the content in any way (including removing any copyright or other property notices contained in the Content) or reproduce or publicly display, interpret, distribute or use it for public or commercial purposes;

You accept that you will comply with any additional restrictions that appear on the website, because they may be updated from time to time. This site, including all content, is protected by laws worldwide on copyright and contract terms. You acknowledge that you will comply with all copyright laws regarding the use of this website and to avoid unauthorized copying of content.

Excluding specific situations with due expression, YOUNG AMERICA does not offer any implied or express right in any or to any Content to you and these Terms of Use convey no rights in or to any trademarks, patents, trade secrets or copyrights in any way.

Permissions and Restrictions

YOUNG AMERICA, therefore, gives you access permission and the right to use the Site according to these Terms of Use stated below, provided:

You accept the non-distribution of any Site portion, by any means without YOUNG AMERICA’s written prior consent except through the features and functions allowed on the site like image downloads.
You accept the prohibition of any modification of a portion of the site.
You assent not to make use of the site without YOUNG AMERICA’s written prior consent for any commercial purpose. Commercial uses which are prohibited include the following actions especially without written express permission from YOUNG AMERICA: 1) providing paid access to the Site from a different website; 2) Making use of information on the Site or the Site in general to acquire subscription or advertisement revenue; or, 3) selling advertisement through the Site or targeting Site information through a third party website.
Commercial uses which are prohibited exclude the upload of material approved or expressly authorized as original by YOUNG AMERICA well in advance and in writing
You are in agreement with not launching or using any automated system, not leaving out “robots,” “offline readers,” or “spiders,” and other similar devices which bring about disruptive access to the Site by either sending unusually high queries to the servers of the Site, considerably inconsistent with humans with a traditional web browser during the same time frame, or using automated devices to comb the Site to have its content displayed on another website. In spite of all this, YOUNG AMERICA permits search engine operators to make use of spiders to provide links or references to Site material for the single purpose of generating indices of the material for available public search. According to the clauses of these Terms of Use, the right to officially reverse exceptions in either specific or general situations is reserved by YOUNG AMERICA.

You also accept the non-collection of any information which is personally identifiable from the Site (usernames), and the prohibition of illegally using the Site’s communication systems (e.g. email, comments). You agree to no soliciting, to any site users for commercial purposes.

While using the Site, you are bound to respect all the clauses of these Terms of Use together with every other international, national or local applicable laws and regulations.
The right to stop or end any Site feature is reserved by YOUNG AMERICA at any point in time deemed necessary.

Digital Millennium Copyright Act

Every copyright agent or owner who happen to believe any content on the Site violates his/her copyrights may present a notification in accordance with the Digital Millennium Copyright Act (“DMCA”) giving the following information to our Copyright Agent in writing (see 22 U.S.C 637(b)(4) for more details):

An electronic or physical signature of a person who has the authority to act in representation of the person who exclusively owns the right which is alleged to have been violated;

Specific description of the copyrighted work which is alleged to have been violated, or, a list of the works, if the violation at a particular website involves multiple copyrighted works to be carried in just one notification;

Pinpoint of the specific material alleged to be the main subject of violation or in direct violation, therefore, requiring removal or access restriction together with significantly sufficient information that can be used by the service provider for the location of the material;

Sufficient Information such as a telephone number, an address and an email address which can be used by the service provider to contact you;

A statement attesting to your good faith belief in the utilization of the material as in the complaint, without being authorized by the law, the owner of the copyright, or its agent; and

A statement attesting to the accuracy of all the information found in the notification, also affirming your authority to act in exclusive representation of the person who owns the alleged violated right under penalty of perjury.

A designated Copyright Agent of YOUNG AMERICA can be contacted to receive alleged violation notifications at: DMCA TAKE-DOWN NOTICE, Young America Insurance Group, Young America, PA 16530-1104; email: dmca@Young Americainsurance.com. You have to admit that failure to work in accordance with the requirements outlined in the section would lead to your DMCA notice being treated as invalid.

Counter-Notice. In the event of you being sure your removed (or access restricted) User Submission is not in any violation, or you actually possess authorization gotten from the owner of the copyright, the agent of the copyright owner, or you are permitted by the law to post or make use of your User Submission content, you may then issue a counter-notice to the Copyright Agent carrying the following information:

Your electronic or physical signature;

Identification of the removed or access restricted content together with where it was located before being disabled or removed;

A statement attesting to your good faith belief in the removal or restriction of access to the content resulting from content misidentification or a mistake; and

Your phone number, e-mail address, address and name, a consented statement that you issue to the federal court’s jurisdiction in Pennsylvania, Young America, and a statement affirming your acceptance of process services from the person who brought up the alleged violation notification.

When the Copyright Agent receives counter-notice, a copy of the notice may be sent by YOUNG AMERICA to the party with the original complaint to inform them that the access restricted or removed content may be restored. YOUNG AMERICA, if necessary can solely decide to get the removed content restored or replaced.

This Website content may include inaccuracies and typographical errors. YOUNG AMERICA does not assure the accuracy of the content or reliability of any advice, opinions, claims or other content or distributes through this website. For more details on any policy or service from YOUNG AMERICA COMPANY, contact your local YOUNG AMERICA local agent. POLICIES AND SERVICES are often individually provided and they differ according to their particular situation. You express your confidence in such opinion, advice, statement or content will be at your own risk. YOUNG AMERICA reserves the right, at its sole discretion, to modify the terms and error or omissions in any part of the website. YOUNG AMERICA may change any pages and content, products, programs, services or prices (if any) that are described on the site at any time without prior notice.

The pages and contents are approved “AS IS” without any warranties, express or implied, including, but not limited to, the provision of sale, non-representation or performance of any individual provision.

See Additional Disclaimer

Third party site information

As a convenience, YOUNG AMERICA can provide pages, links to websites maintained by other people. If you use the link to such site, you will leave this page and may be subject to conditions governing the utilization of these sites. Clicking on any link in this site to a third-party site is strictly done at your own risk and it’s your responsibility to take all the protective measures to protect yourself against viruses and other destructive elements that arise or result from the use of the website.

YOUNG AMERICA makes no warranties or representations regarding, and does not warrant, any related Web sites or information contained therein or any of the products or services described herein. Links to third-party sites does not mean that YOUNG AMERICA and sponsors of this site are or have been affiliated with or affiliated with such third parties or YOUNG AMERICA is legally approved to use any trademark, trade name, logo or copyright symbol through this site or any which other sites associated are authorized to use any trademark, trade name, logo, or symbol of YOUNG AMERICA.

The information you provided

YOUNG AMERICA does not want you to do so, and you should not send confidential or proprietary information to YOUNG AMERICA on the site unless explicitly or implicitly indicates the functionality of the site, including, for example, an online account of YOUNG AMERICA. See online privacy for YOUNG AMERICA for more information.

Do not send other Business Proposals, Inventions, and Ideas to YOUNG AMERICA via the website. You agree that all material or information provided by persons acting on your behalf to YOUNG AMERICA shall not be considered confidential or proprietary, except to the extent that those non-public personal data are covered by the Privacy Notice for the YOUNG AMERICA Insurance Group.

To the extent that you have provided any information or material to YOUNG AMERICA non-personal information you give to YOUNG AMERICA an unlimited, permanent, irrevocable, royalty-free license to use, reproduce, display, publish, license, transfer and distribute such documents and information at any which media and in any form, and further agree that YOUNG AMERICA is free to use any ideas, concepts, or know that you or the people acting on your behalf give to YOUNG AMERICA or through this site.

Knowing that Young America does not require you to, and you also guarantee that you won’t give out any offensive, intimidating, harassing, or any illegal information to Young America. You must not provide any obscene information that will violate the intellectual property privilege of another or integrate the proprietary objects of another unless you’re permitted.

Creating Username Accounts

You may require creating a username, to be able to get access to several attributes of the website. The information which you give out at that moment will compose of the foundation for your username accounts. Using another username accounts may not be possible except if there is permission.

Whenever you’re creating your username account, you must ensure that you provide correct and absolute information. You promise that you’ll not give out false or fake email address. Creating any username account which includes fraudulent information or excludes any material information, you relinquish any rights which include the ones that are described in terms of Use.

You’re accountable for any actions that happen on your username accounts. If you create a username and password on the website ensure that you keep your username and password protected. Young America will not be guilty of any other clients or third party’s usage or theft of your username and password. It’s necessary that you inform Young America instantly in any case of any violation of your security or any unofficial use of your username accounts. Even though Young America is not responsible for your losses that are caused by any illegal use of your username and account. You’ll be legally responsible for the losses of Young America due to unauthorized use.

Young America Insurance has the right to take any suitable act on anybody who misrepresents his or her personality or inappropriately of illegally accesses guidelines information on this website. This act may be included, but it’s not restricted to lawful act on anybody who accesses policy information as regards the breach of any state or federal regulation or guidelines.

Young America might use the information that you make available concerning this and any other site that’s controlled by Young America for any reason, business or non-business, together with the sharing of electronic mail content to any email address that’s available.

Termination of Account

Young America may abort any client’s username account and, to the extent that, such User’s permission to the website was known to have carried out any act contradictory with or an infringement of these conditions of use. Furthermore, Young America may end, obstruct or restrain access to any website guest it considers to have desecrated any of these conditions of use which includes jamming of any IP address or additional sign of the basis of actions, content or usage of Site which defy these Terms of Use.

Restrictions of Damages

There is no condition that will warrant Young America, neither its staff, officials, managing director or any of its sub-division to be responsible to anyone or entity for any oblique, particular, resulting or any other harms that include unlimited, any loss proceedings, commercial disruption, loss of information or strategy or other records on any information management system which are connected to the use of, or incapability to utilize the features of the website which includes the content and purpose of the site or any connected site, even if Young America is clearly warns of the likelihood of such destruction.

Modification

Young America has the right, in its exclusive judgment, to change, include or eliminate all or any part of these conditions of Use at any point in time. A modification will be effectual when they’re published so that you can be aware of such changes. Your continuous usage of the website following any modifications published will be the reviewed approval of those modifications.

Your use of this site is prohibited if you disagree in any way with any of the changes made here. YOUNG AMERICA has the power to change, suspend or stop any feature of this site without prior notice or liability. It may also partially or totally restrict your access to and use of certain aspects and services, without prior notice or liability.

Location of Use and Choice of Law

The control and operation of this site is managed by YOUNG AMERICA via its administrative centres located in the Commonwealth of Pennsylvania, United States of America. The use of this site or any of the contents in it is not permitted in locations other than in the United States of America thus attempted access to it outside these confines is illegal and prohibited.

The Site does not, and should not be used to provide information for insurance products and services in states or cities where YOUNG AMERICA does not have a license for business purposes. You may not use or share any content from the Site in violation of U.S export rules and regulations. You are bound by the local laws if you access this site outside of the United States of America and should comply accordingly.

You and YOUNG AMERICA agree that these terms of use are regulated by the laws of the Commonwealth of Pennsylvania, without obligation to conflicts of legal provisions that would necessitate the intervention of laws of another jurisdiction.

Social Media Guidelines for the use of Social Media

YOUNG AMERICA Insurance offers unique social media channels for its fans and followers. YOUNG AMERICA permits visitors on its social media channels in certain cases to like its content and respond appropriately. Further information about this is provided in the Guidelines for the use of Social Media.

Relation to Other Agreements and Policies

These Terms of Use alongside the Young America Insurance Group Online Privacy Policy, incorporated by means of reference hereby, represents whole agreement between you and YOUNG AMERICA pertaining to your use of the Site and any of its Content.

Severability

If a part or provision of these Terms of Use is considered to be inapplicable, such a provision will be enforced to the greatest possible and permitted extent in order to ensure that the Terms of Use serves its purpose and intent fully and effectively.

If you have any reason to doubt the security or privacy of your data or account on this site, then you should endeavor to immediately reach out to us and notify us of this problem by contacting us at Young America – Privacy Law, One Hartford Plaza, Hartford, CT 06155.