Terms & Conditions 3/1/04

Terms & Conditions

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 "Tobey & Merrill, Inc., dba Tobey & Merrill Insurance Agency

I understand that no coverage will be assumed bound or covered until I have received written or verbal confirmation from a licensed agent of  "Tobey & Merrill Inc., dba Tobey & Merrill Insurance Agency".

I understand that "Tobey & Merrill Inc., dba Tobey & Merrill Insurance Agency " 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 " Tobey & Merrill Inc., dba Tobey & Merrill Insurance Agency” will process service requests based on information provided through this site, and that I will receive confirmation of all changes to my coverage. I authorize all such changes, and assume the responsibility of notifying " Tobey & Merrill Inc., dba Tobey & Merrill Insurance Agency”  in the event of errors or misunderstandings.

1. Guarantee of privacy of client information and all privacy language.

2. " Tobey & Merrill Inc., dba Tobey & Merrill Insurance Agency”  will handle service requests in good faith based on registration information. All service requests will be confirmed to the client and they must contact " Tobey & Merrill Inc., dba Tobey & Merrill Insurance Agency”  in case of error.

3. Client is responsible for updating email address and other information in the event of change.

4. Insurance terms, descriptions of coverage and other insurance information is not meant to be complete, and the client should either contact " Tobey & Merrill Inc., dba Tobey & Merrill Insurance Agency”  or read their policy for complete information.

5. All insurance and non-insurance information is for general purposes and may not be up-to-date or complete. " Tobey & Merrill Inc., dba Tobey & Merrill Insurance Agency”   is not responsible for information in sites linked.

6. No changes will be considered to be bound until the client has received confirmation from " Tobey & Merrill Inc., dba Tobey & Merrill Insurance Agency” 

7. Client is solely responsible for all security issues surrounding use of their private password. " Tobey & Merrill Inc., dba Tobey & Merrill Insurance Agency”  cannot access password therefore client acknowledges and accepts full responsibility if password is given to another party.

Privacy Statement
" Tobey & Merrill Inc., dba Tobey & Merrill Insurance Agency”  has always been committed to ensuring the confidentiality of the information it receives. Recently, Congress enacted the Financial Services Modernization Act, which requires that certain companies, including insurance agencies, inform their customers how personal information is collected or disclosed. " Tobey & Merrill Inc., dba Tobey & Merrill Insurance Agency” maintains physical and electronic safeguards to protect the information we acquire, including restricting access about you to employees who need to know that information to provide you with products or to provide you with benefits or services we feel would be useful to our clients. We periodically review and test our systems to assess the strength of our security precautions. The following notice is the " Tobey & Merrill Inc., dba Tobey & Merrill Insurance Agency”  Privacy Policy.

Our Privacy Policies and Practices
We do not sell client information for any reason whatsoever. We may collect non-public personal information about you from the following sources:

-  information we receive from you on application or other forms;
-  information about your transactions with us; and
-  information we receive from a consumer reporting agency

We will not disclose non-public personal information about you to others unless the disclosure is necessary to conduct our business and is permitted by law. We thank you for the confidence you have placed in us and are committed to protecting your privacy and confidentiality.