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Terms of Service

This web page represents a legal document that serves as our Terms of Service and it governs the legal terms of our website, http://autocoveragehq.com, sub-domains, and any associated web-based and mobile applications (collectively, "Website"), as owned and operated by Auto Coverage HQ.

Capitalized terms, unless otherwise defined, have the meaning specified within the Definitions section below. This Terms of Service, along with our Privacy Policy, any mobile license agreement, and other posted guidelines within our Website, collectively "Legal Terms", constitute the entire and only agreement between you and Auto Coverage HQ, and supersede all other agreements, representations, warranties and understandings with respect to our Website and the subject matter contained herein. We may amend our Legal Terms at any time without specific notice to you. The latest copies of our Legal Terms will be posted on our Website, and you should review all Legal Terms prior to using our Website. After any revisions to our Legal Terms are posted, you agree to be bound to any such changes to them. Therefore, it is important for you to periodically review our Legal Terms to make sure you still agree to them.

By using our Website, you agree to fully comply with and be bound by our Legal Terms. Please review them carefully. If you do not accept our Legal Terms, do not access and use our Website. If you have already accessed our Website and do not accept our Legal Terms, you should immediately discontinue use of our Website.

The last update to our Terms of Service was posted on June 14, 2018.

Definitions
The terms "us" or "we" or "our" refers to Auto Coverage HQ, the owner of the Website.

A "Visitor" is someone who merely browses our Website, but has not registered as Member.

A "Member" is an individual that has registered with us to use our Service.

Our "Service" represents the collective functionality and features as offered through our Website to our Members.

A "User" is a collective identifier that refers to either a Visitor or a Member.

All text, information, graphics, audio, video, and data offered through our Website are collectively known as our "Content".

Legal Compliance
You agree to comply with all applicable domestic and international laws, statutes, ordinances, and regulations regarding your use of our Website. Auto Coverage HQ reserves the right to investigate complaints or reported violations of our Legal Terms and to take any action we deem appropriate, including but not limited to canceling your Member account, reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to your profile, email addresses, usage history, posted materials, IP addresses and traffic information, as allowed under our Privacy Policy.

Intellectual Property
Our Website may contain our service marks or trademarks as well as those of our affiliates or other companies, in the form of words, graphics, and logos. Your use of our Website does not constitute any right or license for you to use such service marks/trademarks, without the prior written permission of the corresponding service mark/trademark owner. Our Website is also protected under international copyright laws. The copying, redistribution, use or publication by you of any portion of our Website is strictly prohibited. Your use of our Website does not grant you ownership rights of any kind in our Website.

Links to Other Websites
Our Website may contain links to third party websites. These links are provided solely as a convenience to you. By linking to these websites, we do not create or have an affiliation with, or sponsor such third party websites. The inclusion of links within our Website does not constitute any endorsement, guarantee, warranty, or recommendation of such third party websites. Auto Coverage HQ has no control over the legal documents and privacy practices of third party websites; as such, you access any such third party websites at your own risk.

General Terms
Our Legal Terms shall be treated as though it were executed and performed in Georgia, USA, and shall be governed by and construed in accordance with the laws of Georgia, USA, without regard to conflict of law principles. In addition, you agree to submit to the personal jurisdiction and venue of such courts. Any cause of action by you with respect to our Website, must be instituted within one (1) year after the cause of action arose or be forever waived and barred. Should any part of our Legal Terms be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. To the extent that any Content in our Website conflicts or is inconsistent with our Legal Terms, our Legal Terms shall take precedence. Our failure to enforce any provision of our Legal Terms shall not be deemed a waiver of such provision nor of the right to enforce such provision. The rights of Auto Coverage HQ under our Legal Terms shall survive the termination of our Legal Terms.

Published with permission from Termsfeed Terms of Service Agreement.

 

Privacy

Your Privacy
Auto Coverage HQ (ACHQ) follows all legal requirements to protect your privacy. Our Privacy Policy is a legal statement that explains

  • how we may collect information from you,
  • how we may share your information, and
  • how you can limit our sharing of your information.

You will see terms in our Privacy Policy that are capitalized. These terms have meanings as described in the Definitions section below.

Definitions

  • "Non Personal Information" is information that is not personally identifiable to you and that we automatically collect when you access our Website with a web browser. It may also include publicly available information that is shared between you and others.
  • "Personally Identifiable Information" is non-public information that is personally identifiable to you and obtained in order for us to provide you within our Website. Personally Identifiable Information may include information such as your name, email address, and other related information that you provide to us or that we obtain about you.

Information We Collect
Generally, you control the amount and type of information you provide to us when using our Website.

As a visitor, you can browse our website to find out more about our website. You are not required to provide us with any Personally Identifiable Information as a visitor.

Computer Information Collected
When you use our Website, we automatically collect certain computer information by the interaction of your mobile phone or web browser with our Website. Such information is typically considered Non Personal Information. We also collect the following:

  • Cookies
    Our Website uses "Cookies" to identify the areas of our Website that you have visited. A Cookie is a small piece of data stored on your computer or mobile device by your web browser. We use Cookies to personalize the Content that you see on our Website. Most web browsers can be set to disable the use of Cookies. However, if you disable Cookies, you may not be able to access functionality on our Website correctly or at all. We never place Personally Identifiable Information in Cookies.
  • Automatic Information
    We automatically receive information from your web browser or mobile device. This information includes the name of the website from which you entered our website, if any, as well as the name of the website to which you're headed when you leave our website. This information also includes the IP address of your computer/proxy server that you use to access the Internet, your Internet website provider name, web browser type, type of mobile device, and computer operating system. We use all of this information to analyze trends among our users to help improve our website.

How We Use Your Information
We use the information we receive from you as follows:

  • Customizing Our Website
    We may use the Personally Identifiable information you provide to us along with any computer information we receive to customize our product offerings on our website.
  • Sharing Information with Affiliates and Other Third Parties
    We do not sell, rent, or otherwise provide your Personally Identifiable Information (this includes e-mail addresses) to third parties for marketing purposes. We may provide your Personally Identifiable Information to affiliates that provide services to us with regards to our Website (i.e. payment processors, Website hosting companies, etc.); such affiliates will only receive information necessary to provide the respective services and will be bound by confidentiality agreements limiting the use of such information.
  • Legally Required Releases of Information
    We may be legally required to disclose your Personally Identifiable Information, if such disclosure is (a) required by subpoena, law, or other legal process; (b) necessary to assist law enforcement officials or government enforcement agencies; (c) necessary to investigate violations of or otherwise enforce our Legal Terms; (d) necessary to protect us from legal action or claims from third parties including you and/or other Members; and/or (e) necessary to protect the legal rights, personal/real property, or personal safety of http://echolman.com, our Users, employees, and affiliates.

Links to Other Websites
Our website contains links to other websites that are not under our direct control. These websites may have their own policies regarding privacy. We have no control of, or responsibility for, linked websites and provide these links solely for the convenience and information of our visitors. You access such linked websites at your own risk. These websites are not subject to this Privacy Policy. You should check the privacy policies, if any, of those individual websites to see how the operators of those third-party websites will utilize your personal information. In addition, these websites may contain a link to Websites of our affiliates. The websites of our affiliates are not subject to this Privacy Policy, and you should check their individual privacy policies to see how they will use your personal information.

Privacy Policy Updates
We reserve the right to modify this Privacy Policy at any time.

Questions About Our Privacy Practices or This Privacy Policy
If you have any questions about our Privacy Practices or this Policy, please contact us.

 

Published with permission from the Termsfeed, Privacy Policy Agreement.

 

 

Saving Money?

You’re probably thinking “Saving money? Isn’t that what all the insurance companies say?” Well, many of them do make claims to lower your insurance costs. And to be perfectly honest, on any given day, any given carrier, can beat any other carrier’s price. Insurance carriers are constantly adjusting their prices, for their chosen markets. So it’s not necessarily the insurance company saving you money; it’s more a matter of finding “when” they will save you money. That’s how you save. You have to pick the right carrier, for your driver profile, at the right time. And the best way to do this is by comparison shopping.

Now that’s doesn’t sound too complicated, does it? Just pick up the phone and call a few agents, and let them give you a quote. Or, you could visit each individual insurance companies’ websites and get some quotes online. This shopping around can save you money, but it’s time consuming.

Don’t be fooled! There are many companies on the internet offering to save you time by giving you multiple auto insurance quotes. But they are not insurance agents. They are marketing agencies. They cannot sell you a policy. They can’t offer you insurance advice or even answer your questions. They simply collect your personal information, and they sell it to other agents--- multiple agents. You in turn will receive a barrage of phone calls and emails from all of these different agents, who will then give quotes.

Auto Coverage HQ can help. ACHQ is a licensed agent who understands consumer frustration when it comes to “comparison shopping.” We aim to make comparison shopping stress-free. That’s why we have partnered with one of the best instant quote providers in the industry. Our partnership with Answer Financial lets you see quotes from top-rated companies—all at once, in real time. Get your quotes now.

Disclaimer

Legal Disclaimer

Auto Coverage HQ (ACHQ) is a marketing domain for Your Insurance Lady. ACHQ does not imply expertise. This information on this website is to be used for informational purposes only. Insurance has many components, and this website is designed to showcase the different types of insurances, and offer insurance products for sale. Since each one of us has unique needs and objectives regarding insurance, it is strongly recommended that you consult with legal and tax professionals to help ensure that you are getting proper coverages.

Compensation Disclaimer

ACHQ is a transparent company. That means we prefer to be open and honest about how we are compensated. We are compensated from:

  1. Sale of Insurance (and insurance related) products- When a client purchases and insurance policy through us, the insurance company/carrier pays us a commission. The commission can be a percentage of the policy premiums or a flat fee.
  2. Overrides from our sales associates- When one of our licensed agents sells an insurance product, ACHQ earns a percentage of the commission that is paid to the licensed agent.
  3. Referrals- We refer our clients to other professional services providers (OSP). If our clients decide to do business with the OSP, we are paid a commission based on a percentage of the sale or a flat fee.
  4. Affiliate Links- Some of the resources listed on this website that we use (and recommend) are affiliate links. That means if you use the link, and make a purchase, ACHQ will be paid a commission from the sale. (Please Note: We ONLY recommend products that we trust and have good experiences with.)
  5. Training- We earn compensation from conducting seminars, workshops, training, etc.

 

 

ACHQ is a Primerica Secure Program(TM) representative and does not represent any of the insurers in the program. Primerica, its affiliates and representatives, offer other products and services. You are not required to apply for or purchase any other product or service in order to be considered for the Secure Program. Each product may be applied for and purchased separately.

Answer Financial® Inc. offers insurance products and services through its insurance agency licensed affiliate Insurance Answer Center, LLC (California License # 0B99714); in New York as Insurance Answer Center, LLC, an Insurance Agency; in Michigan as Insurance Answer Center, LLC, an Insurance Agency; and in Missouri as Answer Financial. Answer Financial affiliated agencies are not insurance companies, but act as agents for certain insurance companies. Answer Financial’s affiliate Right Answer Insurance Agency, LLC (CA License #0H52358) operates as an insurance broker in California and an agent in all other states. Answer Financial is paid commissions and may receive other performance-based compensation for its services. The compensation received by Answer Financial and its employees may vary by insurance company. Not all insurance products and services are available in all states. Rates are subject to change.

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