Privacy Policy
Interpretation and Definitions
Interpretation
The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
Definitions
For the purposes of these Terms and Conditions:
Affiliates means an entity that controls, is controlled by, or is under common control with a part, where “control” means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
Company (referred to as either “the Company”, “TCI Agencies”, “We”, “Us”, or “Our”) refers to Trans-City Life Insurance Co. dba Trans City Insurance Agency dba TCI Agencies. TCI Agencies is a wholly owned subsidiary of Trans City Insurance Companies, 7500 E McDonald Dr, Ste 700 , Scottsdale, Arizona, 85250.
Device means any device that is used to access the Website or Service, such as a computer, cellphone or digital tablet.
Client refers to an individual engaged in the Company’s services, or the company or legal entity on behalf of which such individual is a representative.
Service refers to furnishing advice
Website refers to TCI Agencies’ online domain, accessible from https://www.TCIAgencies.com
You means the individual accessing the Website or using the Service, or the company, or other legal entity on behalf of which such individual is accessing the Website or using the Service, as applicable.
General
This page sets forth the terms and conditions under which TCI AGENCIES provides the information on the Website, as well as the terms and conditions governing your use of this Website. By making use of this Website, you agree to be bound by the terms and conditions We have outlined below. If you do not accept these terms and conditions, do not continue to use or access this Website. We reserve the right, at Our discretion, to update, change, modify, add, or remove portions of this policy from time to time. Your continued use of this Website following the posting of changes to these terms will mean you accept those changes.
I understand that no coverage or changes will be considered bound or in force until I have received written or verbal confirmation from a licensed agent of TCI AGENCIES.
I understand that any insurance terms and definitions are meant for general informational purposes and not meant as specific advice or recommendations. For detailed information, it is my responsibility to contact TCI AGENCIES.
I understand that TCI AGENCIES will receive documentation of service requests, requests for information or declination for additional information which may become part of my customer file.
I understand that TCI AGENCIES will process service requests based on information provided through this Website and that I will receive confirmation of all changes to my coverage.
I authorize all such changes, and assume the responsibility of notifying TCI AGENCIES in the event of errors or misunderstandings.
TCI AGENCIES will handle service requests in good faith based on registration information. All service requests will be confirmed to the client and the client must contact TCI AGENCIES in case of error.
Client is responsible for updating email address and other information in the event of change.
Insurance terms, descriptions of coverage, and other insurance information provided on the Website are not meant to be complete, and the client should contact TCI AGENCIES, and always read their individual policy for complete information.
All insurance and non-insurance information provided on the Website is for general purposes and may not be current, complete or relevant to an insured’s individual policy.
Privacy Policies and Practices
TCI AGENCIES is committed to protecting the privacy and confidentiality of the information it receives. The Company is beholden to the Financial Services Modernization Act, which requires that certain companies, including insurance agencies, inform their customers how personal information is collected or disclosed.
To assist in underwriting and servicing your business with Us, We may obtain non-public personal information. This could be information We receive from you verbally or from emails, on applications or forms, whether electronic or paper. This information may include, but is not limited to name, address, personal and work phone numbers, email addresses, Social Security numbers, drivers license numbers, company FEIN numbers, assets, income, medical information, etc. We’ll get information from your transactions with Us, as well as your current and past insurance companies such as payment history, account balance, claims information, coverages, and premiums, etc. We may obtain information from third parties or consumer reporting agencies such as motor vehicle reports, insurance score, credit history, etc. The nature and extent of the information We obtain varies based on the nature of the products and services you receive or request.
The Company will not disclose any non-public personal information about Our current or former clients to anyone unless the disclosure is necessary to service your account, and is permitted by law. Examples include: to execute a transaction that you request; to provide information to companies who perform services on Our behalf to help Us administer your insurance policies and adjust claims; to comply with a validly issued and enforceable subpoena or summons.
We do not sell information about Our clients.
If you only supply Us with your postal address online, you will receive the information you requested only by mail. If you supply Us with your telephone numbers online, you may receive telephone or SMS contact from Us. If you give Us your email address, you may receive email from Us in the future.
Protecting the security and confidentiality of all personally identifiable information (“PII”) associated with clients and individuals accessing the Website is of utmost concern to the Company. No data transmitted electronically over the Internet can be guaranteed to be 100% secure. While We strive to protect your PII, TCI AGENCIES cannot ensure or warrant the security of any information you transmit to Us or from Our online applications, products or services, and you do so at your own risk. Once We receive your transmission, We make Our best effort to ensure its security on Our internal systems.
This website may contain links to other websites unaffiliated with the Company. TCI AGENCIES is not responsible for the privacy practices or the content of such websites. Contact the owners or administrators of those sites for their privacy practice statement.
Use of Cookies
TCI AGENCIES may place an electronic “cookie” in the browser files of the device an individual uses to access the Website. Cookies are pieces of information that a website transfers to your browser, which can then be stored on an individual’s device hard drive to maintain records or deliver customized user experiences. Cookies do not give the Company to access any PII about Our visitors. However, they do allow TCI AGENCIES to analyze guests’ use of Our sites with information like: the date and time you access Our Website; the pages you visit; the type of browser and operating system used to access out Website; the Internet Protocol (IP) address from which you accessed Our Website; and your internet domain (ABCcompany.com). This analysis helps Us better understand which areas of Our Website are most useful and popular so We can plan improvements and updates accordingly. TCI AGENCIES does not use cookies to retrieve information from a visitor’s computer that was not originally sent in a cookie. TCI AGENCIES will never save passwords, credit card or other sensitive information in cookies. You may set your browser to notify you when you receive a cookie, giving you the opportunity to decide whether or not to accept it. For more information on cookies and their use, please refer to the Help facility within your browser.
An IP address is a number that’s automatically assigned to your computer whenever you are connected to the internet. Internet pages automatically identify your computer by its IP address. TCI AGENCIES collects IP addresses for the purposes of system administration, and to audit the use of Our Website. When guests request pages from TCI AGENCIES, Our servers log the guests’ IP addresses. We do not normally link IP addresses to anything personally identifiable, which means that a user’s session will be logged, but the user remains anonymous to Us. We will use IP addresses to identify a user when We feel it is necessary to enforce compliance with Our house rules or terms of service or to protect Our service, Website, customers or others.
Passwords and Security
You will be able to choose a user password during the registration process. You alone are responsible for maintaining the confidentiality of the password and account access. You are also responsible for all activities or transactions that occur which are authorized by your password. You agree to immediately notify TCI AGENCIES of any unauthorized use of your password or account. Allowing another person to use a login-id and its associated passwords, using a login-id and password assigned to another person, or attempting to gain access to resources for which one is not authorized is a serious breach of security and a violation of the Website agreement.
You must notify TCI AGENCIES immediately to eliminate access to any individual who is no longer entitled to access your account, due to separation of employment or change in status. We will not be responsible or liable for any loss or damage arising out of your failure to comply with this provision. TCI AGENCIES will keep your registration information confidential.
We reserve the right to block access to the Website should We suspect that your account is being accessed without your permission for use not permitted by the Terms and Conditions. You may contact Us to re-establish your registration should this occur
Email Communication
We recognize that SPAM is an ever-growing problem. We protect your email address as is if it were Our own. We do not share email addresses with anyone other than your insurance company or one you’re applying to. All email addresses are stored on secure servers with multiple layers of protection. By sharing your email with Us, you consent to periodic newsletters and communications from TCI AGENCIES You can always opt out of these communications by contacting Us.
Jurisdiction and Enforceability
Use of this Website is governed by the laws of the state of Arizona, other than laws governing conflicts of laws. The exclusive venue for the resolution of any related dispute is a court of competent jurisdiction in Maricopa County, Arizona.
If any part of these terms and conditions are invalidated by a court of competent jurisdiction, the invalid provision(s) are deleted and the remaining provisions are not affected and remain valid and enforceable in accordance with the express terms thereof.
Loss Control
Any loss control or risk management advice presented in this Website is intended as general information of interest to the general public for controlling or minimizing the potential for injuries to persons and property and resulting losses occurring in the home, on the road, in workplaces, business environments, and other specified circumstances or situations. In providing this information, TCI AGENCIES does not warrant that all potential hazards or conditions have been evaluated or can be controlled, or that such risks or losses are covered under the insurance polices or programs described in this Website. This information is not intended as an offer to insure such conditions or exposures, or to indicate that TCI AGENCIES will underwrite such risks. TCI AGENCIES assumes no liability for insurance contracts issued by any insurance company it represents. Any losses are subject to the specific written terms and conditions of actual insurance policies issued by these companies.
Third-Party Sites
This Website may contain links to other Internet sites (“third-party sites”) that are not maintained by TCI AGENCIES These links are provided solely for your convenience. Since other sites are not under Our control, We cannot guarantee the quality, accuracy, or timeliness of those sites. TCI AGENCIES makes no warranties or representations about, and disclaims any responsibility for, the contents of any products or services offered in such third-party sites. Any reference to a linked Website or any specific product or service by name does not constitute or imply its endorsement by TCI AGENCIES Questions about the content of those sites should be directed to their authors.
It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, Trojan horses, malicious codes and other items of a destructive nature. IN NO EVENT WILL TCI AGENCIES BE LIABLE TO ANY PARTY FOR ANY LOSS OR DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES CAUSED BY USE OF THIS WEBSITE, OR ANY OTHER HYPERLINKED WEBSITE.
Products and Services
The information and descriptions of products and services contained in this Website are intended as general information and do not contain all of the terms, conditions and exclusions applicable to the products and services offered by TCI AGENCIES and it’s insurance companies. The precise coverage afforded is subject to the terms and conditions of the policies as issued, and may vary from the general descriptions in this Website. This Website does not amend, modify, or supplement the policies. Availability of the products and services described varies by state. Always consult the actual policy for details regarding terms, conditions, definitions, coverages, and exclusions. Contact Us to discuss products, services, and programs which may be available to you.
Please note that none of the information contained in this Website should be viewed as an offer to sell, or as a solicitation to purchase, any of Our products or services. Rather, the information on Our products and services is provided to you so that you can learn what products TCI AGENCIES generally offers. We believe there is not one policy to fit all people and insurance should be carefully tailored to the needs of the individual, business, or other organization. While We gather information, and may even offer premium indications, personal contact with one of Our professionals becomes necessary prior to an actual sale. TCI AGENCIES is committed to the concept of personal service.
Warranties & Disclaimers
The materials contained in this Website, and in linked sites, directly or indirectly accessible from this Website, are provided WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT.
TCI AGENCIES makes no claims, promises, or guarantees about the accuracy, completeness, or adequacy of the contents of this Website, and expressly disclaims liability for errors and omissions in the contents of this Website. No warranty of any kind, implied, expressed or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose, and freedom from computer virus, is given with respect to the contents of this Website or its links to other Internet resources.
TCI AGENCIES has the unlimited right to use for any purpose all information submitted to TCI AGENCIES by this Website except those submissions made under separate legal contract.
This Website and the information it contains are provided as a service by TCI AGENCIES. This system is monitored to ensure proper operation, to verify the functioning of applicable security features, and for comparable purposes. Anyone using this system expressly consents to such monitoring. Unauthorized attempts to modify any information stored on this system, to defeat or circumvent security features, or to use this system for other than its intended purposes are prohibited and may result in criminal prosecution.
1. Policy Coverage:
1.1 The insurance coverage provided is subject to the terms and conditions outlined in this document.
2. Policyholder Responsibilities:
2.1 The policyholder is responsible for providing accurate and complete information during the application process.
2.2 Any changes to personal information or circumstances must be promptly reported to the company.
3. Premium Payments:
3.1 Premium payments are due on the specified date as outlined in the policy schedule.
3.2 Failure to make timely premium payments may result in a lapse or termination of the policy.
4. Claims Process:
4.1 Claims must be reported to the company as soon as reasonably possible after the occurrence of the insured event.
4.2 The policyholder must cooperate fully with the company in the investigation and settlement of claims.
5. Exclusions:
5.1 The policy does not cover events explicitly excluded in the policy document.
5.2 Exclusions may include, but are not limited to, intentional acts, illegal activities, and pre-existing conditions.
6. Policy Renewal:
6.1 The company reserves the right to review and adjust premium rates upon policy renewal.
6.2 Renewal is subject to the policyholder’s continued eligibility and the company’s underwriting guidelines.
7. Termination of Policy:
7.1 The company reserves the right to terminate the policy in the event of non-payment of premiums or breach of policy terms.
7.2 The policyholder may cancel the policy by providing written notice to the company, subject to applicable terms.
8. Governing Law:
8.1 This policy is governed by the laws of Maricopa County, and any disputes arising shall be subject to the exclusive jurisdiction of the courts in Arizona.
9. Confidentiality:
9.1 The company will handle all information provided by the policyholder in accordance with applicable privacy laws and internal policies.
9.2 Information may be shared with third parties only as necessary for the administration of the policy or as required by law.
10. Changes to Terms and Conditions:
10.1 The company reserves the right to modify these terms and conditions with prior notice to the policyholder.
10.2 Continued participation in the policy after the effective date of changes constitutes acceptance of the modified terms.
11. Contact Information:
11.1 The policyholder is responsible for maintaining accurate contact information with the company.
11.2 All communications and notices from the company will be sent to the latest contact details provided by the policyholder.
By accepting this policy, the policyholder agrees to abide by the terms and conditions outlined herein. It is the policyholder’s responsibility to review and understand the terms and seek clarification from the company if necessary.
