Terms & Conditions & Privacy Policy

Authorization of Use

Simmerer Insurance authorizes any person to access this Website for informational purposes only. Simmerer Insurance reserves the right to terminate access to this Website at any time without notice. The data, information, and materials included on this Website are copyrighted by Simmerer Insurance. All rights are reserved under the copyright laws of the United States of America. No part of this Website may be redistributed, copied, or reproduced without the prior written consent of Simmerer Insurance.

No Warranties

The user of this Website assumes all responsibility and risk for the use of this Website and the Internet generally. Simmerer Insurance and its affiliated companies disclaim all warranties, representations, or endorsements, express or implied, with regard to the data, information, and materials included in or accessible from this Website or the Internet, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Simmerer Insurance may discontinue, change, or update Website content at any time without notice and assumes no responsibility for the accuracy, completeness, or usefulness of the information provided. No advice or information provided by Simmerer Insurance shall create any warranty.

We do not warrant that the Website will be uninterrupted or error-free or that any materials accessible from this Website are free from viruses or other harmful components.

Insurance product descriptions on this Website are general in nature. Product availability and coverage terms vary by state and are governed solely by the terms of the insurance policies issued. Please contact us for product-specific information.

Disclaimer of Liability

In no event shall Simmerer Insurance or its affiliated companies be liable for any direct, indirect, incidental, consequential, exemplary, or special damages arising from or related to the use or inability to use this Website or its content.

Links to Third-Party Websites

This Website may include links to third-party websites for convenience. Simmerer Insurance does not control and is not responsible for the content, privacy practices, or policies of any third-party websites. Accessing third-party websites is at your own risk.

Electronic Communications

Simmerer Insurance is not deemed to have accepted any electronic communication unless we provide an acknowledgment verifying receipt. If we send an electronic communication, it will be assumed received intact unless the recipient notifies us otherwise.

Security

While we take reasonable measures to protect personal information, electronic transmissions over the Internet carry inherent risks. By submitting information electronically, you acknowledge and accept this risk. If you prefer not to transmit information electronically, you may mail information directly to Simmerer Insurance.

Our Commitment to Privacy

Simmerer Insurance is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and protect your personal information.

Simmerer Insurance owns the information collected on this Website. We do not sell your personally identifiable information. We may share information only as described in this policy or as authorized by you.

Information We Collect

We may collect personal information when you:

Request insurance information or a quote
Apply for or purchase an insurance policy
Complete a form on our Website
Communicate with us by email, phone, or text

This information may include your name, address, phone number, email address, and other information relevant to insurance services.

Use of Information (Including Marketing)

We may use your personal information to:

Provide insurance products and services
Communicate with you regarding your policy or requests
Send marketing and informational communications, including emails and text messages
Improve our services and Website

You may opt out of marketing communications at any time as described below.

Text Messaging Authorization

By providing your mobile phone number to Simmerer Insurance, including through Website forms or other submissions, you expressly consent to receive marketing and informational text messages from Simmerer Insurance, including messages sent using an automatic telephone dialing system, at the number you provided.

Consent to receive text messages is not a condition of purchasing any insurance product or service. Message frequency may vary. Message and data rates may apply.

You may opt out at any time by replying STOP to any text message. For help, reply HELP or contact us using the information below.

“Reply YES” Communications

In certain communications, we may ask recipients to reply “YES” to indicate interest in receiving additional information. A “YES” response confirms your request for follow-up communications and does not create an obligation to purchase insurance or services.

Email Communications

By providing your email address, you consent to receive marketing and informational emails from Simmerer Insurance. All marketing emails include a clear unsubscribe option. We comply with the CAN-SPAM Act and honor opt-out requests promptly.

Sharing of Information

We may share personal information with:

Insurance carriers and affiliates for policy issuance and servicing
Third-party service providers who assist with communications, marketing, and operations

These parties are permitted to use your information only to perform services for Simmerer Insurance and are required to protect your information.

Payment Information

If you pay premiums by credit card, your card information is not retained after authorization. If payment is made by check, a copy may be retained for recordkeeping.

Cookies and Analytics

We may use cookies and similar technologies to collect non-personally identifiable information about Website usage. Cookies help us improve Website functionality and user experience. You may disable cookies through your browser settings, though some Website features may not function properly.

State Privacy Rights

Depending on your state of residence, you may have the right to request access to, correction of, or deletion of your personal information, and to opt out of certain marketing uses. Requests may be submitted by contacting Simmerer Insurance using the information below.

Changes to This Policy

We reserve the right to update these Terms and this Privacy Policy at any time without prior notice. Changes will be effective upon posting.

Governing Law

Use of this Website is governed by the laws of the state in which Simmerer Insurance conducts business, without regard to conflict-of-law principles. Any disputes shall be subject to the exclusive jurisdiction of courts located in that state.

Severability

If any provision of these Terms or this Privacy Policy is found unenforceable, the remaining provisions shall remain in full force and effect.

Contact Information

If you have questions regarding these Terms, this Privacy Policy, or your communications preferences, please contact Simmerer Insurance directly.