NOTICE: Take the time to read these Terms carefully. They cover important information about the Services and include information about future changes to these Terms, limitations of liability, a class action waiver, and resolution of disputes by arbitration instead of in court.

Introduction

Please read on to learn the rules and restrictions that govern your use of website(s) that are owned or operated by us (each a “Site”). These Terms of Use (“Terms”) are a binding agreement between you and New Alturas and its subsidiaries (“Company”). By using this Site, products or the services provided by the Company (collectively, “Services”) in any way, you agree to all of these Terms, and these Terms will remain in effect while you use the Services. These Terms include the provisions set out herein, as well as those in the Privacy Policy. You must agree to and accept all the Terms, or you don’t have the right to access or use the Services or purchase products.

The information on the Site including, without limitation, all site design, text, graphics, interfaces, and the selection and arrangements of the foregoing is protected by copyright and/or other intellectual property laws.

Product names, logos, designs, titles, words, or phrases may be protected under law as the trademarks, service marks, or trade names of the Company or other entities. Such trademarks, service marks, and trade names may be registered in the United States and internationally. The Company logos and service names are trademarks and registered trademarks of the Company (the “Company Marks”). You agree not to display or use Company Marks in any manner without the Company’s express prior written consent. Nothing on the Site should be construed to grant any license or right to use any Company Mark without the express prior written consent of the Company.

Use of This Site

You are responsible for complying with these Terms and with the terms and restrictions under any agreement with the Company for the provision of the Services. The Company is not your agent or trustee.

In the course of your use of the Site, you may be asked to provide certain information to the Company. The Company’s use of any information you provide via the Site shall be governed by the Privacy Policy available at https://newalturas.com/licenses-standards. We take your privacy very seriously and urge you to read our Privacy Policy.

We may modify the Terms from time to time. If we make material changes to the Terms, we will post the revised Terms on the Site, send you an email, and/or provide notice by some other means if we have your contact information. The provisions contained herein supersede all previous notices or statements regarding our Terms. We include the effective date of our Terms at the top of the statement. By using the Site following any modifications to the Terms, you agree to be bound by such modifications.

 

Site Access and Site User Obligations

(Who’s accountable for what)

By submitting information through this Site and using the Services or products, you represent and warrant that you are a resident of the United States and over the age of 16 in a state that New Alturas or its subsidiaries are licensed to sell insurance in. If you are agreeing to these Terms on behalf of an organization or entity, you represent and warrant that you are authorized to agree to these Terms on that organization or entity’s behalf and bind them to these Terms (in which case, the references to “you” and “your” in these Terms, except for in this sentence, refer to that organization or entity).

New Alturas and its subsidiaries, brokers insurance products to individuals, organizations, and access to employee benefits pursuant to customer service agreements (each, a “Customer Service Agreement”) executed by customers from time to time. The Company makes the Site, or certain portions of the Site, available to authorized users of the customers, including Administrators and Non-Administrators (each as defined below), which may include employees and contractors of the customer (collectively, “Site User” or “Site Users”, as appropriate). The Company may at its sole discretion use third-party services to validate a Site User’s identity, including credit checks.

 

Administrators:

“Administrators” are representatives of the customers who are responsible for setting up the customer user account required for the customer to access the Services (“Customer Account”), enrolling customer employees, and providing the Company with current and accurate information about customer employees. Administrators are permitted access to certain portions of the Site using login names and passwords.

Non-Administrators:

“Non-Administrators” of the Site include customer employees, contractors, and vendors of the customer. Each Non-Administrator must be authorized by Administrators to access the Services.

If applicable, through its subsidiaries, Site Users are required to register to use the Site and set up an account (each, a “Site User Account”) and are responsible for maintaining adequate security and control of all login credentials that are used to access Services. Any transactions conducted using Site User login credentials will be deemed to be authorized by the Site User. All Site Users are responsible for any activity associated with his or her login credentials.

 

Modifications to the Site

(We can change what we want)

The Company reserves the right, in its sole discretion and without notice to you, to terminate, change, suspend or discontinue any aspect of the Site for any reason, including, but not limited to, information, data, text, music, sound, photographs, graphics, video, messages or other materials (collectively, “Content”), features, and/or hours of availability. The Company will not be liable to you or to any third party for doing so. The Company may also impose rules for and limits on the use of the Site or restrict Site User access to part, or all, of the Site without notice or penalty, and has the right to change these rules and/or limitations at any time.

Specific Prohibited Uses

(What you can’t do here)

The Services may be used only for lawful purposes by individuals using authorized services of the Company. You are responsible for your own communications, including the upload, transmission, and posting of Content, and represent that you have all rights necessary to do so. You are responsible for the consequences of uploading, transmitting, and/or posting such Content on or through the Services. You represent that you will not contribute any Content or otherwise use the Site or interact with the Services to:

Post Content that is false, fraudulent, deceptive, inaccurate, or otherwise objectionable;

Impersonate another person;

Directly or indirectly engage in or encourage conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any city, state, national, or international law or regulation;

Post Content that is subject to copyright or otherwise owned by a third party (including the Company), unless you are the copyright owner or have the express prior permission of the owner to post it;

Post Content that reveals trade secrets, unless you own them or have the express prior permission of the owner;

Post Content that infringes on any other intellectual property, privacy, or publicity right of another (including the Company);

Transmit or transfer (by any means) information or software derived from the Site to foreign countries or foreign nations in violation of US export control laws;

Interfere or attempt to interfere in any way with the Site’s or the Company’s networks or network security;

Use or attempt to use the Services to gain unauthorized access to any other computer system; or

Copy, store, or replicate any significant portion of the Content, except as required by law.

Security Rules

(More things you can’t do – sorry)

The Company will investigate actual, suspected, or attempted violations of system or network security and may involve, and cooperate with, law enforcement authorities in prosecuting Site Users (for civil or criminal liability) who are involved in such violations. Site Users are prohibited from violating or attempting to violate the security of the Site, including, without limitation, the following:

Accessing or attempting to access Content not intended for the Site User or logging into a server or account the Site User is not authorized to access;

Attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without authorization;

Attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus to the Site, overloading, “flooding”, “mailbombing” or “crashing”, or sending unsolicited e-mail(s), including promotions and/or advertising of products or services; or

Forging any TCP/IP packet header or any part of the header information in any e-mail or newsgroup posting.

International Use

(We’re USA all the way – in certain states right now)

The Company controls and operates the Site in the United States, and all Content is processed within the United States. The Company contracts for services with U.S. companies which apply to employees residing in the U.S. The Company does not target services or products to people in the European Union (EU) nor engage in any transfers of EU data subject to personal information from the EU to the U.S. The Company does not represent that materials on the Site are appropriate or available for use in other locations. Site Users who choose to access the Site from other locations do so on their own initiative and are responsible for compliance with local laws. By using this site, Site Users consent to the Company’s processing of personally identifiable information the Company receives (in the Company’s systems in the U.S.). The Company is not responsible for any unlawful use of the Site or Services.  Company and its subsidiaries are currently only licensed to provide products in certain states of the U.S.A.  Please review respected licenses for those subsidiaries.

You agree to comply with all applicable laws, rules, and regulations in connection with your use of the Site and Services. Without limiting the generality of the foregoing, you agree to comply with all applicable laws regarding the transmission of Content exported from the United States or the country in which you access the Site or Services.

 

Proprietary Rights

(Don’t steal our content)

As between you and the Company, the Company is the owner and/or authorized user of any trademark, registered trademark and/or service mark appearing on the Site and is the copyright owner and/or licensee of the Content and/or information on the Site unless otherwise indicated.

Except as provided herein, use of the Site does not grant you a license to any Content, features or materials you may access on the Site, and you may not modify, rent, lease, loan, sell, distribute or create derivative works of such Content, features or materials, in whole or in part, or otherwise exploit any of the Content. Any commercial use of the Site is strictly prohibited, except as allowed herein or otherwise approved by the Company. You may not download or save a copy of any of the Content or screens for any purpose, and no material from the Site may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, except for as specifically allowed in the Site or as otherwise provided by the Company. If you make use of the Site, other than as provided herein, in doing so you may violate copyright and other laws of the United States, other countries, as well as applicable state laws and may be subject to liability for such unauthorized use. The Company does not grant any license or other authorization to any user of our trademarks, registered trademarks, service marks, other copyrightable material, or any other intellectual property by including them on the Site.

You grant the Company a non-exclusive, royalty-free, perpetual, transferable, irrevocable, and worldwide license to use, translate, modify, reproduce, adapt, publish, create derivative works from, distribute, perform, display and otherwise act with respect to anything you post, upload, share, store, or otherwise provide through the Site, in each case to enable the Company to provide Services or products.

 

Links From and To Our Sites

(Don’t judge us by the links we keep)

You may be able to link to third-party websites (“Linked Sites”) from the Site. Linked Sites are not reviewed, controlled, or examined by the Company, and the Company is not responsible for the content, availability, advertising, products, information, or use of user information or other materials of Linked Sites, including any website or other links contained therein. Linked Sites do not imply the Company’s endorsement of or association with the Linked Sites. It is your sole responsibility to comply with the terms of use of the Linked Sites, and with any other obligation under copyright, secrecy, defamation, decency, privacy, security, and export laws related to the use of such Linked Sites and any content contained therein. In no event will the Company be liable, directly or indirectly, to anyone for any loss or damage arising from or occasioned by the creation or use of the Linked Sites or the information or material accessed through Linked Sites. You should direct any concerns to the administrator of the Linked Site. The Company reserves the right, at its sole discretion, to add, change, decline, or remove, without notice, any feature or link to any of the Linked Sites from the Site and/or introduce different features or links to different users.

Permission must be granted by us for any type of link to the Site. To seek our permission, you may write to the Company at hello@newalturas.com. The Company reserves the right to deny any request or rescind any permission granted by it to link through such other type of link and to require termination of any such link to the Site, at its discretion at any time.

 

Indemnity

(Indemnity… You know what it means)

You agree to defend, indemnify and hold the Company, its affiliates, directors, officers, employees, agents, successors, and assigns harmless from any and all claims, liabilities, damages, costs, and expenses, including, but not limited to, attorneys’ fees, in any way arising from, related to or in connection with your use of the Site or subsidiaries sites, your violation of the Terms or the posting or transmission of any materials on or through the Site by you in violation of the Terms, including, but not limited to, any third party claim that any information or materials you provide infringes any third party proprietary right.

Disclaimer of Warranties

(Grab your popcorn, it’s disclaimer time!)

The Company does not warrant that the Site or the function, Content or Services made available thereby will be timely, secure, uninterrupted, or error-free, or that defects will be corrected. The Company makes no warranty that the Site will meet users’ expectations or requirements. No advice, results or information, or materials whether oral or written, obtained by you through the Site shall create any warranty not expressly made herein. If you are dissatisfied with the Site, your sole remedy is to discontinue using the Site. Any Content downloaded or otherwise obtained through the use of the Site is done at your own discretion and risk and you will be solely responsible for any damage that results from the download of any such Content. The Company does not endorse, warrant or guarantee any products or services offered or provided by or on behalf of third parties on or through the Site. The Company is not a party to, and does not monitor, any transaction between Site Users and third parties without the direct involvement of the Company.

YOU UNDERSTAND AND AGREE THAT THE SITE, INCLUDING, WITHOUT LIMITATION, ALL CONTENT, FUNCTION, MATERIALS, AND SERVICES ARE PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, DATA PROCESSING SERVICES OR UNINTERRUPTED ACCESS, ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, COMPLETENESS, USEFULNESS, OR CONTENT OF INFORMATION, AND ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR WARRANTIES ARISING FROM USAGE IN TRADE, COURSE OF PERFORMANCE OR COURSE OF DEALING. SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

Limitation of Liability

(All caps, so you know it’s important)

TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SUCCESSORS, AND ASSIGNS, OR CONTENT OR SERVICE PROVIDERS BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING FROM OR DIRECTLY OR INDIRECTLY RELATED TO THE USE OF, OR THE INABILITY TO USE, THE SERVICES OR THE SITE, OR THE CONTENT, MATERIALS, AND FUNCTION RELATED THERETO, INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE, OR ANTICIPATED PROFITS, OR LOST BUSINESS, DATA OR SALES, OR COST OF SUBSTITUTE SERVICES, EVEN IF COMPANY OR ITS REPRESENTATIVE OR SUCH INDIVIDUAL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN NO EVENT SHALL THE TOTAL LIABILITY OF THE COMPANY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE OR OTHERWISE) ARISING FROM THE TERMS OR YOUR USE OF THE SITE EXCEED, IN THE AGGREGATE, $100.00.

You release the Company, its officers, employees, agents, and successors from claims, demands, and damages of every kind or nature, known or unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way related to the Services or the Site, or the Content, materials, and function related thereto. If you are a California resident, you shall and hereby do waive California Civil Code Section 1542, which says, “A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which, if known by him or her must have materially affected his or her settlement with the debtor.”

Legal Rights

(The juicy stuff)

Choice of Law. These Terms are governed by and will be construed under the Federal Arbitration Act, applicable federal law, and the laws of the State of Arizona, without regard to the conflicts of law’s provisions thereof.

Any claim or cause of action you may have with respect to the Company or the Site must be commenced within one (1) year after the claim or cause of action arose.

Arbitration Agreement. PLEASE READ THE FOLLOWING ARBITRATION TERMS CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE CERTAIN DISPUTES AND CLAIMS WITH THE COMPANY AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM IT.

Both you and the Company acknowledge and agree that for the purposes of any dispute arising out of or relating to the subject matter of these Terms, the Company’s officers, directors, employees, and independent contractors (collectively, “Personnel”) are third-party beneficiaries of these Terms, and that upon your acceptance of these Terms, Personnel will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as the third party beneficiary hereof.

(a) Arbitration Rules; Applicability of Arbitration Agreement. Any dispute arising out of or relating to the subject matter of these Terms shall be finally settled by binding arbitration in Phoenix, Arizona. The arbitration will proceed in the English language, in accordance with the Streamlined Arbitration Rules and Procedures of JAMS/Endispute, LLC (“JAMS”) then in effect, by one commercial arbitrator with substantial experience in resolving intellectual property and commercial contract disputes, who shall be selected from the appropriate list of JAMS arbitrators in accordance with such Rules. Judgment upon the award rendered by such arbitrator may be entered in any court of competent jurisdiction. Notwithstanding the foregoing obligation to arbitrate disputes, each party shall have the right to pursue injunctive or other equitable relief at any time, from any court of competent jurisdiction.

(b) Costs of Arbitration. The JAMS rules will govern the payment of all arbitration fees. The Company will pay all arbitration fees for claims less than $5,000. The Company will not seek its attorneys’ fees and costs in arbitration unless the arbitrator determines that your claim is frivolous

(c) Small Claims Court. Either you or the Company may assert claims, if they qualify, in small claims court in Maricopa County, Arizona, or any United States county where you live or work.

(d) Waiver of Jury Trial. YOU AND THE COMPANY WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE AND/OR JURY. You and the Company are instead choosing to have claims and disputes resolved by arbitration. Arbitration procedures are typically more limited, more efficient, and less costly than rules applicable in court and are subject to very limited review by a court. In any litigation between you and the Company over whether to vacate or enforce an arbitration award, YOU AND THE COMPANY WAIVE ALL RIGHTS TO A JURY TRIAL and elect to have the dispute resolved by a judge alone.

(e) Waiver of Class or Consolidated Actions. YOU WAIVE ANY RIGHTS TO CLASS OR CONSOLIDATED ACTIONS. ALL CLAIMS AND DISPUTES WITHIN THE SCOPE OF THIS ARBITRATION AGREEMENT MUST BE ARBITRATED OR LITIGATED ON AN INDIVIDUAL BASIS AND NOT ON A CLASS BASIS. CLAIMS OF MORE THAN ONE CUSTOMER OR USER CANNOT BE ARBITRATED OR LITIGATED JOINTLY OR CONSOLIDATED WITH THOSE OF ANY OTHER CUSTOMER OR USER. If, however, this waiver of class or consolidated actions is deemed invalid or unenforceable, neither you nor the Company is entitled to arbitration; instead, all claims and disputes will be resolved in a court as set forth in (g) below.

(f) Opt-out. You have the right to opt-out of the provisions of this Section by sending an electronic mail notice of your decision to opt-out to the following address: hello@newalturas.com Subject Line: VP Compliance & Corp. within 30 days of first accepting these Terms. You must include (1) your name and residence address; (2) the email address and/or telephone number associated with your account; and (3) a clear statement that you want to opt-out of these Terms’ arbitration agreement.

(g) Exclusive Venue. If you send the opt-out notice in (f), and/or in any circumstances where the foregoing arbitration terms permit either you or the Company to litigate any dispute arising out of or relating to the subject matter of these Terms in court, then the foregoing arbitration agreement will not apply to either party and both you and the Company agree that any judicial proceeding (other than small claims actions) will be brought in the state or federal courts located in Phoenix, Arizona.

Notices

(How we’ll update you on our Terms)

Notices to you may be made via either email or regular mail. Notices to the Company shall be by email, certified, or overnight mail if we have your contact information. The Site may also provide notices of changes to the Terms or other matters by displaying notices or links to notices to you on the Site.

Contacting Us

(Please save paper – send an email)

Please contact the Company with any questions or concerns in connection with this Agreement, the Site, or the Terms at hello@newalturas.com, Subject Line: Terms of Service Support.

General Information

(You can do it! Almost done!)

The Terms constitute the entire agreement between you and the Company and govern your use of the Site, superseding any prior agreements between you and the Company. You also may be subject to additional terms and conditions that are applicable to certain parts of the Site, including the Customer Service Agreement. You agree that no joint venture, partnership, employment, or agency relationship exists between the Company and you as a result of the Terms or your use of the Site.

The failure of the Company to exercise or enforce any right or provision of the Terms shall not constitute a waiver of such right or provision. If any provision of the Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties intentions as reflected in the provision, and the other provisions of the Terms remain in full force and effect.

You may not assign, delegate or transfer the Terms or any of your rights or obligations under the Terms in any way, without the Company’s express prior written consent. The Company may transfer, assign, or delegate these Terms and our rights and obligations without your consent. The Terms inure to the benefit of the Company’s successors, assigns, and licensees. The section titles in the Terms are for convenience only and have no legal or contractual effect.

 

You got through the entire Terms of Use. You’re a megastar!

Privacy Policy

Thank you for visiting www.newalturas.com. Alturas (“Company”) is committed to treating the personal and corporate information of our users with respect and sensitivity. Our privacy commitment is described in this Privacy Policy.

As our services and products evolve, we perceive the need or desirability of using information collected in other ways, we may from time to time amend this Privacy Policy. We post the effective date of our Privacy Policy on our website (“Site”).

Application of This Privacy Policy: This Privacy Policy applies to your use of (regardless of means of access) any of the current set of products from the Company, collectively referred to as “Company Products”, such as our website (www.newalturas.com). The Company Products are owned and provided by Company.

You can access it through applications on Devices. A “Device” is any computer used to access the Company Products, including without limitation a desktop, laptop, mobile phone, tablet, or other consumer electronic device.

Company Products can enable you to use applications developed by third parties, individually and collectively referred to as “Third Party Apps” on a Device, such as an Android app on a Device running either the Microsoft Windows, Apple OS X or Linux operating systems.

General Information

We believe that you have the right to understand how your information is stored and used. We are not responsible for the privacy practices of any third parties or the content of linked sites although we do encourage you to read the applicable privacy policies and terms and conditions of such parties or websites.

Information You Provide Us

In general, you can visit www.newalturas.com without telling us who you are or revealing any information about yourself. If you wish to obtain information about our products or services, you can contact us. We may collect your name, company name, email address, and street address along with other information you may choose to submit, as part of the inquiry process (“Personally Identifiable Information” or “PII”). When you register for a Company account, we collect some PII, which may include your name, company name, email address, telephone number, street address, taxpayer and immigration information, payroll, insurance, and banking information. You may be asked to choose log-in Information, such as your email address and a password which will be used to access your account.

Also, through our subsidiaries, we collect date of birth, gender, health status, and other insurance underwriting questions in order to provide you, or the potential insured, with an accurate price quote.  This does not bind insurance.  Complete underwriting must still take place.

By providing your PII to us, you explicitly agree to our collection and use of such information as described in this Privacy Policy.

Bank credentials submitted as part of an application are subject to provisions of the privacy policy of the respected insurance company providing coverage.

Information Automatically Collected

We (or our service providers acting on our behalf) may collect information about the Company Products that you use and how you use them. This information includes information that may identify you as well as statistical information (“Analytics”) that does not identify you. Some Analytics may be correlated with your PII. Usage Information may include:

A. DEVICE INFORMATION

We may collect Device-specific Information (such as your hardware model, operating system version, unique Device identifiers, and mobile network Information including phone number). We may associate your Device identifiers or phone number with your Company Account.

B. LOG INFORMATION

If applicable, when you use Company Products, we may automatically record or log Information from your Device, its software, and your activity using the Company Products. This may include:

 

The Device’s Internet Protocol (“IP”) address;

Identification numbers associated with your Devices;

Device event Information such as crashes, system activity, and hardware settings;

Locale preferences;

Application activity such as app upload, app download, app installation, app uninstallation, app start, app play duration, app stop, app crashes, app network activity and app resource consumption;

Date and time stamps associated with transactions;

System configuration Information;

Metadata concerning your Android apps; and

Other interactions with the Company Products.

Some analytics may be provided to us by third parties like Google, Inc. or other providers

 

Protecting Children’s Privacy

This Site is not designed nor intended to be attractive to use by children under the age of 13 (“Minors”). We do not knowingly collect PII from Minors, but we may collect information about Minors from their parents or legal guardians for the purpose to provide insurance coverage. If you are under the age of 13, please do not submit any information to us.

 

Cookies

We use cookies to personalize our Site for you and to collect aggregate information about site usage by all of our users. A cookie is a text file that our Site transfers to your computer’s hard drive for record-keeping purposes and to enhance the quality of your visit to our Site. The cookie assigns a random, unique number to your computer Cookies are small text files that our Site places on your browser to enable our system to recognize your computer and allow us to see how you use our site. Further general information about cookies and how they work is available at www.allaboutcookies.org. The cookies we use on our Site include:

 

A. SESSION COOKIES

These temporary cookies expire and are automatically erased whenever you close your browser window. We use session cookies to grant our users access to content and to enable actions they must be logged in to do.

B. PERSISTENT COOKIES

These usually have an expiration date in the distant future and remain in your browser until they expire, or you manually delete them. We use persistent cookies to better understand usage patterns so we can improve the site for our customers. For example, we may use a persistent cookie to associate you with your user account or to remember that your choices on the Site, but this only works when cookies on our site are enabled.

 

C. THIRD-PARTY COOKIES

We permit limited third parties to place cookies through the Site to provide us with better insights into the use of the Site or user demographics or to provide relevant advertising to you. For example, we utilize Google Analytics to analyze usage patterns of the Site. Google Analytics generates a cookie to capture information about your use of the Site which Google uses to compile reports on website activity for us and to provide other related services. Google may use a portion of your IP address to identify their cookie, but this will not be associated with any other data held by Google.

We may also permit third-party service providers to place cookies through our Site, as indicated above, to perform analytic or marketing functions where you are notified of them and you have consented to the usage. We do not control the use of such third-party cookies or the resulting information and we are not responsible for any actions or policies of such third parties.

Your use of our Site or that of a subsidiary site will be deemed to be your consent to the placement of cookies on your computer or another device. If you prefer not to receive cookies through our Site, you can set your browser to either reject all cookies, to allow only “trusted” websites to set them, or to accept only those cookies from those sites you are currently on. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to our Site and use it.

If you refuse cookies, this will limit system performance and may even cause certain features of the Site to malfunction or not to work at all.

 

Use of Information

The use of your information is subject to the Privacy Policy and Terms of Use in effect at the time of use. The provisions contained herein supersede all previous notices or statements regarding our privacy practices with respect to this Site.

We may use aggregated data (independent of any personal identifiers) for research and commercial purposes. This information includes what areas our users visit most frequently and what services they access most often. This information helps us develop a better site that is more useful and accessible to you.

We may use your PII internally for our general commercial purposes including, among other things, to offer our own, our affiliates, or third-party products and services that we think you may find of interest, but only Company, its subsidiaries, and its service providers involved in distributing the offers or providing the products or services will have access to your PII. Our subsidiaries and service providers will be required to use any PII we provide them only for that intended purpose.

We may use your email address to contact you to respond to your inquiries or to provide information on products or services to you.

Disclosing Your Information

We may reveal PII about you to unaffiliated third parties: (1) if you request or authorize it; (2) if the information is provided to help complete a transaction for you; (3) if the information is provided to comply with the law, applicable regulations, governmental and quasi-governmental requests, court orders or subpoenas, to enforce our Terms of Use or other agreements, or to protect our rights, property or safety or the rights, property or safety of our users or others (e.g., to a consumer reporting agency for fraud protection etc.); (4) if the disclosure is done as part of a purchase, transfer or sale of services or assets (e.g., in the event that substantially all of our assets are acquired by another party, customer information may be one of the transferred assets); (5) if the information is provided to our agents, outside vendors or service providers to perform functions on our behalf (e.g., analyzing data, providing marketing assistance, providing customer service, processing payroll or taxes, etc.); or (6) as otherwise described in this Privacy Policy.

 

We may disclose your non-private, aggregated, or otherwise non-personal information, such as usage statistics of our Products, to our affiliates and third parties.

 

Opt-Out Rights

If you do not wish to receive offers or other notices from us in the future, you can “opt-out” by contacting us at the electronic email address indicated at the end of this policy or by following the “unsubscribe” instructions in any communication you receive from us. Please be aware that, if applicable, you are not able to opt-out of receiving communications about your account or transactions with us.

Accessing Your Information

You are required to provide us with accurate and up-to-date information. If applicable, Company gives you the ability to amend your data at any time by accessing your account on our site (by clicking on the “Account Details” tab link on the home page), modifying the information on your account page, [etc.]. Any changes will affect only future uses of your PII.

Subject to any legislation which might, from time to time, oblige us to store the information for a certain period of time, we will respect your wishes to correct inaccurate information. Otherwise, we will hold your information for as long as we believe it will help us to achieve our aims as detailed in this policy.

You can ask us whether we are keeping PII about you and you can ask to receive a copy of that PII. Before sending you any PII, we will ask you to provide proof of your identity. If you are not able to provide proof of your identity, we reserve the right to refuse to send you any PII. We will respond as quickly as we can to your requests for details of PII we hold about you.  Also, some of PII is transferred from us, the insurance broker, to the insurance carrier.  After that, for security reasons, only the insurance company has the information.

 

Security

We have security measures in place in our physical facilities and in our computer systems, databases, and communications networks that are designed reasonably to protect information contained within our systems from loss, misuse, or alteration.

No method of electronic transmission or storage is 100% secure. Therefore, we cannot guarantee the absolute security of your PII. You also play a role in protecting your information. Please safeguard your user name and password and do not share them with others. If we receive instructions using your log-in information we will consider that you have authorized the instructions. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We reserve the right to refuse service, terminate accounts, or remove or edit content at our sole discretion.

 

 

California Privacy Rights

We do not share your PII with third parties for their use in direct marketing to you outside the scope of insurance, financial services, or products.

 

Links to Third-Party Sites

When you use the Site, service, or products, you may be directed to other websites that are beyond our control. We may also allow third-party sites or applications to link to the Site. We are not responsible for the privacy practices of any third parties or the content of linked sites, but we do encourage you to read the applicable privacy policies and terms and conditions of such parties or websites. This Privacy Policy only applies to this Site.

 

Do Not Track Signals

We do not currently respond to “do not track” signals or other mechanisms that might enable users to opt-out of tracking on our Site.

International Transfers

The PII we receive in the computers and systems of our offices and data centers in the United States may be processed by us in the United States, where laws regarding data protection may be less stringent than the laws in your country. By using this Site and by providing any PII to the Site, all users, including without limitation users in Canada and the European Union, fully understand and unambiguously consent to the collection and processing of such information in the United States. Alturas and its subsidiaries place the utmost importance on privacy and data security controls. Alturas maintains a security program that includes technical and policy controls that are very much consistent with the requirements of GDPR.

 

Changes to Our Privacy Policy

As our services or financial products evolve, we may perceive the need or desirability of using information collected in other ways.  This means that we may from time to time amend this Privacy Policy. We encourage you to check our Site frequently to see the current Privacy Policy and Terms of Use in effect and any changes that may have been made to them. If we make material changes to this Policy we will post the revised Policy and the revised effective date on this Site. Please check back here periodically or contact us at the address listed at the end of this Policy.

Contacting Us

This site is owned and operated by New Alturas. If you have any questions or suggestions with respect to this policy, or if you wish to ask us to delete, correct, or show you your information as provided above you can simply click on Contact Us to send us an email – hello@newalturas.com

 

Individuals or companies that sell, solicit, or negotiate insurance transactions are generally required to be licensed by every state in which they operate and are known as insurance producers. The list below summarizes our licensure status on a state-by-state basis.

All solicitations to apply for insurance and applications for insurance are made through Horacio Sanchez, DBA New Alturas, and other brand names. Horacio Sanchez is Managing Partner and Designated Responsible Licensed Producer, whose licensure status is also summarized below.

Due to various insurance and other regulatory restrictions, certain Products and Services described on this Web Site are not available to all users. Also, Products and Services may vary by jurisdiction and may not be offered by all New Alturas companies, nor are all Products and Services available or suitable for all jurisdictions.

EXCEPT AS EXPRESSLY STATED HEREIN, THE INFORMATION CONTAINED ON THIS WEBSITE IS NOT AN OFFER TO SELL OR A SOLICITATION TO BUY ANY INSURANCE PRODUCT OR OTHER PRODUCT OR SERVICE BY NEW ALTURAS, ITS SUBSIDIARIES, OR ITS BRANDS. No insurance product or other product or service is offered or will be sold by New Alturas, will be effective in any jurisdiction in which such offer or solicitation, purchase, or sale would be unlawful under the securities, insurance, or other laws of such jurisdiction.

Please contact a designated New Alturas representative which Products and Services are available to you in your jurisdiction.

This website is not a solicitation to sell insurance in any jurisdiction in which Horacio Sanchez, DBA New Alturas, or its subsidiaries, is not licensed.

Managing Agent/Director: Horacio Sanchez

—–

LICENSED STATES & NUMBERS

National Producer Number: 8591689

Arizona License Number: 8591689

Kansas License Number: 8591689

—–

In Plain English
We want to stay in business, so unless we are licensed in your state, we can’t currently help you. However, we are expanding, so send us an email at hello@newalturas.com with the subject line, Need 50, and we will let you know once we get licensed in your state.

Carrier Information
As an insurance broker, we work with multiple insurance carriers in order to find the best fit for your financial needs. If you want to find information concerning a specific carrier, please email us at hello@newalturas.com with the subject line, CARRIER INFORMATION.

In Plain English
We’ve teamed up with some of the best insurance companies in the industry.

Producer Compensation Disclosure
Like the majority of brokers, Horacio Sanchez, DBA New Alturas, and its subsidiaries and their representatives, receive compensation from insurance carriers based on the type and amount of insurance coverage is sold, and the amount of premium dollars paid.

At your request, we will provide further information about the compensation we expect to receive for your purchase of a specific insurance policy from us. We believe in transparency.

In Plain English
We would like to keep the lights on in order to take of you – the best clients in the world. If you want more info on this, just ask.

 

Last Updated: July 1, 2021

Below is our trusted partners, Combined Insurance, notice of privacy practices as required by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) in addition to the HIPAA Transaction Standard Companion Guide. New Alturas and its subsidiaries, also follow the guidelines as established by Combined Insurance and our other trusted financial partners.

The HIPAA EDI Transaction Standard Companion Guide explains the procedures necessary for Trading Partners of Combined Insurance to transmit Electronic Data Interchange(EDI) transactions.

This HIPAA health insurance Companion Guide is not intended to replace the X12N Implementation Guides; rather it is intended to be used in conjunction with them. Additionally, the Companion Guide is intended to convey information that is within the framework and structure of the X12N Implementation Guides and not to contradict or exceed them.

This HIPAA insurance notice describes how certain medical information about you may be used and disclosed as well as your rights regarding this information.

HIPAA Policy (English)
HIPAA Policy (Spanish)

 

New York Residents / Policyholders
HIPAA Policy (New York – English)
HIPAA Transaction Standard Companion Guide
HIPAA Policy (New York – Spanish)

 

Last Updated: July 1, 2021

Best Reviewed On Desktop

This section of the Internet Privacy Policy provides additional information solely for California residents, as required under the California Consumer Privacy Act of 2018 (“CCPA”), and applies to their personal information as defined in the CCPA, whether collected online or offline.  This section of the Internet Privacy Policy applies to www.newalturas.com and other websites or mobile applications that link to this Internet Privacy Policy (the “Online Services”), as well as offline activities where California residents are directed to this section of the Internet Privacy Policy.  It does not apply to non-New Alturas websites or mobile applications that you may access via the Online Services.  Those services are governed by the privacy policies that appear on those sites and applications.  As used in this section of the Internet Privacy Policy, “personal information” means any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household.

Service Providers

Some of New Alturas (“New Alturas” also includes any of its subsidiaries) business and subsidiaries may act as service providers under the CCPA.  This means that they collect and use personal information on behalf of, and subject to the instructions of, a client.  Where your personal information is processed by New Alturas acting as a service provider to a third party, you should refer to the Privacy Policy of the relevant third party and submit any request to exercise CCPA rights directly to that third party.  If you make a request to exercise CCPA rights to New Alturas where it acts as a service provider under the CCPA, we may be required to disclose your request to the relevant third party.

Certain categories of Personal Information Not Covered by this California Section of the Internet

Privacy Policy

There are a number of exemptions from the application of the CCPA.  The table below sets out some of the categories of personal information (as defined by the CCPA) that are not subject to the CCPA, and therefore are not covered by this California section of the Internet Privacy Policy.  Note that other sections of the Internet Privacy Policy may still apply in addition to other privacy notices that we may issue addressing our specific relationship with you, including privacy notices that are sent to individuals.

Categories of Personal Information Exempt Under CCPA	Additional New Alturas Notices You May Receive
Health or medical information that we collect and that is subject to the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”), the California Confidentiality of Medical Information Act or the Health Information Technology for Economic and Clinical Health Act.  For example, where we provide you with a covered health insurance plan.	New Alturas provides a separate HIPAA privacy notice to certain individual consumers as required under applicable laws and regulations.
Personal information we collect in connection with the issuance of financial products or services to you that are to be used primarily for your personal, family, or household purposes and that is subject to the Gramm-Leach-Bliley Act (“GLBA”) or the California Financial Information Privacy Act. For example, where we provide you with a personal insurance policy, or where we handle a claim from you as an individual. Note that this exclusion may not apply to all of your personal information, including to personal information collected before you become a customer.	New Alturas and its insurance partners may provide a separate GLBA privacy notice to certain individual consumers as required under applicable laws and regulations.
Personal information we collect about job applicants, independent contractors, or current or former full-time, part-time and temporary employees and staff, officers, directors or owners of New Alturas, and that is used solely in that context.	New Alturas provides a separate privacy notice as required under the CCPA.
Personal information we collect and provide for use that is subject to the Fair Credit Reporting Act.
Personal information we collect as a motor vehicle record and that is subject to the Driver’s Privacy Protection Act of 1994.
Publicly available information from government records.
Except for your Right to Opt-out and your Right of Non-Discrimination (see “Your CCPA Rights and Choices” below), personal information we collect in a “business-to-business context”.  This personal information is collected when we engage in a business-to-business transaction or communicate solely in the context of conducting due diligence for, providing or receiving a product or service to or from a company and obtain personal information regarding California residents.  For example, where you work for a New Alturas supplier and we receive your business contact information in the context of receiving services from that supplier.

 

 

Categories of Personal Information We Collect & Disclose Subject to this California Section of the Internet Privacy Policy

We collect personal information about a variety of California residents, including actual and prospective policyholders, representatives of corporate policyholders, other insured persons, insurance or financial partners, third party claimants, actual and prospective agents or business partners, brokers, and New Alturas service providers.  The type of personal information we collect depends on the context in which your information is collected, as well as the product or service (if any) that you have with us.  The table below sets out generally the categories of personal information (as defined by the CCPA) about California residents that we may collect and disclose to others for a business purpose.  We collect these categories of personal information from the sources described in the “How Do We Collect Personal Information Subject to this California Section of the Internet Privacy Policy” section below, and for the purposes described below in the “Uses of Personal Information Subject to this California Section of the Internet Privacy Policy” section.  Note that our collection, use, and disclosure of personal information about you will vary depending upon the circumstances and nature of our interactions or relationship with you.

About the chart below:  With respect to disclosures, we may disclose personal information for business purposes to service providers, agents, regulators, auditors, counsel, insurance or financial partners, consultants, reinsurers, advisors, representatives and banks.  Please note that we provide appropriate administrative, technical, and physical safeguards for data and generally require our service providers to provide at least the same or equal protection of user data as described in this Internet Privacy Policy. In addition, some personal information included in the categories may overlap with other categories.

This is information is usually gathered as part of the underwriting process of most insurance or financial institutions.

Category	Examples	Collected	Disclosed for a business purpose(s)
Name, Contact Information and other Identifiers	A real name, alias, job title, address, unique personal identifier, online identifier, device IDs, Internet Protocol address, email address, date of birth, policy number,  salary information, social security number, driver’s license number, other government identifiers, credit card number, and tax ID.	YES	YES
Customer Records	A paper or electronic customer or claimant record containing personal information, as well as information provided by a reinsurance or insurance broker/agent for underwriting purposes and information included in a list of claims, such as name, signature, physical characteristics or description, address, telephone number, education, current employment, employment history, social security number, passport number, driver’s license or state identification card number, insurance policy number, bank account number, payment card number,  gender, height, weight, medical information (including reports and medical bills), health insurance information, details about home address,  products or services purchased or obtained.	YES	YES
Characteristics of Protected Classifications under California Law	Age (40 years or older), race, ancestry, national origin, citizenship, religion or creed, marital status, pregnancy, medical condition, physical or mental disability, sex, sexual orientation, and veteran or military status.	YES	YES
Usage Data	Internet or other electronic network activity information regarding a California resident’s interaction with our portals, Internet websites, applications, or advertisements, including, but not limited to, browsing history, clickstream data, and search history.	YES	YES
Biometric Information	Individual biological or behavioral characteristics including measurements of physical characteristics such as height, weight and blood pressure, sleep, health, or exercise data that contain identifying information.	YES	YES
Non-Public Educational  Information	Education records directly related to a student maintained by an educational or institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes and student disciplinary records.	YES	YES
Geolocation Data	Physical location or movements.	NO	NO
Audio, Video and Other Electronic Data	Audio information including call recordings and photographs.	YES	YES
Professional or Employment-Related Information	Employment history, qualifications, licensing, and disciplinary record.	YES	YES
Inferences drawn from other personal information	Inferences drawn from any of the information described in this section about a consumer including inferences reflecting the consumer’s preferences, characteristics, behavior and abilities.	YES	YES

 

How Do We Collect Personal Information Subject to this California Section of the Internet Privacy Policy?

New Alturas collects personal information about you, your household, and the members of your household to conduct business operations, provide customer service, offer new products, and satisfy legal and regulatory requirements.  The type of personal information we collect depends on the financial product or service (if any) that you have with us.  We may collect the categories of personal information listed above from the following categories of sources:

• information from you directly or from our agent, broker or other representative, including information from applications, worksheets, questionnaires, claim forms or other documents (such as name, address, driver’s license number, Social Security number and amount of coverage requested);
• information about your transactions with us, our affiliates or others (such as products or services purchased, claims made, account balances and payment history);
• information about you from a corporate policyholder or its representatives in connection with your coverage or a claim that you may have under the corporate policyholder’s policy;
• information from a consumer reporting agency (such as motor vehicle reports);
• information from other non-New Alturas sources (such as prior loss information and demographic information);
• information from New Alturas service providers, business partners or other representatives (such as third party administrators and adjusters);
• information from visitors to our websites (such as that provided through online forms and collected through other website tools);
• information from an employer, benefit plan sponsor, benefit plan administrator or group master policyholder for any New Alturas individual or group insurance product that you may have (such as name, address and amount of coverage requested); and
• we may also collect information about you from public sources (such as information you submit in a public forum, a blog, chat room, or social network)

 

Uses of Personal Information Subject to this California Section of the Internet Privacy Policy

We may use the information we collect for a number of purposes, including:

• to provide you with, renew or modify products and services;
• to provide you with the information and documents you request and for other customer service purposes;
• to carry out our obligations and enforce our rights arising from any contracts entered into between you and one of our trusted insurance or financial partners including for billing, collections and payments;
• to process claims and other legal actions;
• to respond to law enforcement requests, court order or regulations, subpoena, search warrant, or other legal process, as required by applicable law;
• to provide you with information about other websites or Online Services that link to this section of the Internet Privacy Policy or required notices;
• to deliver marketing communications or promotional materials that may be of interest to you and to assist us in determining relevant advertising;
• for advertising and marketing purposes, as well as claims assessment and actuarial purposes, we may share your information with third-party analytics providers;
• to improve the services we provide and the usefulness of the Online Services;
• to customize your experience when using the Online Services;
• to carry out actuarial analysis and develop our actuarial and pricing models;
• to perform testing, product development and research, and to analyze use of our websites and online applications;
• to prevent and detect fraud, infringements of our policies and contracts and other potential misuse of our products, services and assets;
• to assist our affiliates or contracted agents in their everyday business purposes;
• to provide training or organize events;
• as described to you when collecting your personal information;
• to refer you to our third-party partners as part of a referral program;
• to conduct financial, tax and accounting audits, and audits and assessments of New Alturas’ business operations or security and financial controls;
• to plan, engage in due diligence for, and implement commercial transactions;
• to secure our offices, premises and physical assets, including through the use of electronic access systems; and
• to investigate privacy, security or employment related incidents.

 

Sale of Personal Information Subject to this California Section of the Internet Privacy Policy

Our business practice is not to sell personal information that is subject to the CCPA even within the meaning of the broad definition of “sale” in the CCPA, and we are not selling and do not have plans to sell personal information of California residents.  However, we support consumer choice regarding use of consumers’ personal information and for this reason, refer you to the “Right to Opt-out of Sales” section immediately below for more information on how to register your choice with us with regard to future uses of your personal information.

Your CCPA Rights and Choices

The CCPA provides California residents with specific rights regarding their personal information. This section describes your rights under the CCPA and explains how to exercise those rights.  Subject to certain exceptions, California consumers have the right to make the following requests:

Right to Opt-out of Sales:  We are not selling personal information of California residents. Further, we will not sell personal information if we have actual knowledge that the consumer is less than 16 years of age, unless we receive affirmative authorization (“opt-in”) from either the consumer between 13 and 16 years of age, or the parent or guardian of a consumer less than 13 years of age.

If you would like to register your choice with regard to future uses of your personal information, please visit us at our Data Subject Request web page by clicking here and we will register your details for this purpose.

Other businesses collect information, including IP addresses, digital identifiers, information about your web browsing and app usage, and how you interact with ads in order to provide you with relevant ads across the Internet and for other analytics purposes.

By visiting www.privacyrights.info or optout.privacyrights.info, you can opt out of this type of use of personal information by businesses that participate in the opt out tool. To make opt-out requests related to mobile apps on your device for businesses participating in the DAA’s CCPA App-based Opt-Out Tool, you can download the appropriate app at www.youradchoices.com/appchoices

These links are provided as a courtesy and does that mean that New Alturas, its subsidiaries, any of its financial and non-financial partners participate in ANY of the programs listed here.

Right to Delete:  You have the right to request that we delete and direct any service providers that have received that personal information to delete, the personal information that we have collected and retained, unless an exemption applies.  Once we receive and confirm your verifiable request, we will delete (and, if applicable, direct our service providers to delete) your personal information from our records, unless an exemption applies.

Right to Access:  You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months.  Once we receive and confirm your verifiable request, we will disclose to you:

• the categories of personal information we collected about you;
• the categories of sources of personal information we collected about you;
• our business or commercial purposes for collecting or selling that personal information;
• the categories of third parties with whom we have disclosed or shared that personal information; and
• the specific pieces of personal information we collected from you.

Submitting Requests:  You can submit a deletion or access request by either:

• Accessing our Data Subject Request web pagelink
• Calling us at 1-800-225-4500

We will respond to verifiable requests received from California residents as required by law.  You can also designate an authorized agent to make a request under the CCPA on your behalf, but the agent must provide proof that the agent is authorized to make a request on your behalf.

We may ask you for additional information necessary to verify or process your request.  Where applicable, we may ask for proof that an authorized agent is entitled to act on your behalf.  We may also carry out checks, including with third-party identity verification services, to verify your identity before taking any action with your personal information.  We will endeavor to respond your verifiable requests within 45 days of receipt.  If we require more time (up to 45 additional days), we will inform you of the reason and extension period in writing.  Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request receipt.  Generally, California residents can exercise rights free of charge.  However, if your request is manifestly unfounded or excessive, for example because it is repetitive, we are entitled to charge you a reasonable fee.  If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non- Discrimination: You have the right not to receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA.  We will not discriminate against you for exercising any of your CCPA rights or impose unreasonable requirements on financial incentives offered to California consumers related to your personal information. We may offer different prices, rates, or quality of goods or services if the difference is reasonably related to the value of your personal information.

Contact Information

If you have any questions or comments about this section of the Internet Privacy Policy, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us by email at:

Email: hello@newalturas.com
Subject Line: HIPAA Privacy Office – California

Our target is to contact you within 36hrs of the request.

 

Last Updated: July 1, 2021

This website is operated by New Alturas or one of its subsidiaries and is not the Health Insurance Marketplace® website. In offering this website, New Alturas is required to comply with all applicable federal law, including the standards established under 45 CFR §155.220(c) and (d) and standards established under 45 CFR §155.260 to protect the privacy and security of personally identifiable information. We do not offer major medical/catastrophic health insurance products.

This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace® website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace® website at HealthCare.gov.

Legal Notices

General Notice Concerning Fraud

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any material fact thereto, commits a fraudulent insurance act, and may be subject to fines, restitution, or confinement in prison, or any combination thereof.

The specific fraud warnings listed below are applicable in the following states that we are currently licensed in: Arizona, Kansas. If you are located in one of these states, please take time to review the appropriate warning prior to submitting your application or claim.

INFORMATION PROVIDED ABOUT OTHER STATES IS DONE AS A COURTESY AND IS NOT INTENDED TO BE A SOLICITATION OF INSURANCE AS WE ARE NOT LICENSED IN THOSE STATES.

ALABAMA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution, fines, or confinement in prison, or any combination thereof.

ALASKA: Any person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

ARIZONA: For your protection, Arizona law requires the following statement: Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

ARKANSAS: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

CALIFORNIA: For your protection, California law requires the following statement: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

COLORADO: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.

DELAWARE: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

DISTRICT OF COLUMBIA: WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.

FLORIDA: Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

INDIANA: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

KENTUCKY: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime.

LOUISIANA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MAINE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

MARYLAND: Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MINNESOTA: A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.

NEW HAMPSHIRE: Any person who, with a purpose to injure, defraud or deceive any insurance company, files a statement of claim containing any false, incomplete or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

NEW JERSEY: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.

NEW MEXICO: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to civil fines and criminal penalties.

NEW YORK: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.

OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

OKLAHOMA: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

OREGON: Any person who knowingly and with intent to defraud or solicit another to defraud an insurer: (1) by submitting an application, or (2) by filing a claim containing a false statement as to any material fact thereto, may be committing a fraudulent insurance act, which may be a crime and may subject the person to criminal and civil penalties.

PENNSYLVANIA: Any person who knowingly and with intent to injure or defraud any insurer files an application or claim containing any false, incomplete, or misleading information shall, upon conviction, be subject to imprisonment for up to seven years and a fine of up to $15,000.

RHODE ISLAND: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

TENNESSEE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

TEXAS: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

VIRGINIA: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

WASHINGTON: It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines, or denial of insurance benefits.

WEST VIRGINIA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

New York Notice of Protection for Victims of Domestic Violence
New York Insurance Law Section 2612 affords important protections for victims of domestic violence. This Law prohibits an individual, insurer or entity supervised by the New York Department of Financial Services, from undertaking any of the following actions solely because a person is or has been a victim of domestic violence: (i) refuse to issue or renew, deny or cancel any insurance policy or contract; (ii) demand or require a greater premium or payment from any person; (iii) designate domestic violence as a preexisting condition, for which coverage will be denied or reduced; or (iv) fix any lower rate or discriminate in the fees or commissions of agents or brokers for writing or renewing such a policy. Under no circumstances may the fact that has a person is or has been a victim of domestic violence serve as an underwriting criterion.

The description of New York Insurance Law Section 2612 provided above is only a summary of the law. The complete text is available on the New York State Legislature’s website.

The New York State Office for the Prevention of Domestic Violence’s website has additional information and resources. To contact the New York State Domestic and Sexual Violence Hotline, please call (800) 942-6906.

Last Updated: July 1, 2021