Privacy Policies and
C & G has always been committed to
ensuring the privacy and 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.
To assist in underwriting and servicing your
business with us, we may obtain non-public personal information. It could be information we receive from
you verbally, or from fax, or from email, on applications or forms, such as:
name, address, phone and fax numbers, email address, date of birth, Social
Security number, drivers license number, assets, income, medical information,
etc. Weíll 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 report, insurance score, credit history, etc. In addition, for life, disability and
health products, we may obtain your medical history with your permission. The
nature and extent of the information we obtain varies based on the products and
services you receive.
We do not disclose any non-public personal
information about our customers or former customers to anyone, unless the
disclosure is necessary to service your account, and is permitted by law. For
example, we may disclose non-public personal information about you in the
following situations: to carry out
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
We do not sell information about our
This website may contain links to
other web sites. C & G is not
responsible for the privacy practices or the content of such web sites.
Contact the authors or webmasters at those sites for their privacy practice
The importance of security for all
personally identifiable information associated with our guests is of utmost
concern to us. Although our site benefits from the use of SSL (Secure Socket
Layer) protection, unfortunately, no data transmission over the Internet can be
guaranteed to be 100% secure. As a result, while we strive to protect your
personal information, C & G 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.
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 C &
G of any unauthorized use of your password or account. Allowing another
person to use a login-id and its associated passwords is done at your risk. Using a login-id and password assigned
to another person without that personís authorization, or attempting to gain
access to resources for which one is not authorized, is a serious breach of
security and a violation of the site agreement.
You must notify C & G 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. C & G
will keep your registration information confidential. We reserve the
right to block access to the site 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
If you only supply us with your postal
address on-line you will receive the information you requested only by
mail. If you supply us with your
telephone numbers on-line, you may receive telephone contact from us. If you give us your email address, you
may receive email from us in the future.
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 youíre 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 C & G. You can always opt out of
these communications by contacting us.
Any loss prevention or hazard
management advice presented in this site 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, C & G 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 site. This information is not intended as an offer
to insure such conditions or exposures, or to indicate that C & G will
underwrite such risks. C & G 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
Products and Services
The information and descriptions of
products and services contained in this site are intended as general information
and do not contain all of the terms, conditions, definitions, and exclusions
applicable to the products and services offered by C & G and itís 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 site. This Web site 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 C & G to discuss products, services, and programs which may
be available to you.
Please note that none of the
information contained in this Web site 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 C & G
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. C & G is committed to
the concept of personal service.
This site may contain links to
other Internet sites ("third-party sites") that are not maintained by C &
G. 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. C
& G 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 site or any specific product or service by name does not constitute or
imply its endorsement by C & G.
Questions about the content of those sites should be directed to their
The materials contained in this
site, and in linked sites, directly or indirectly accessible from this site, 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.
C & G makes no claims,
promises, or guarantees about the accuracy, completeness, or adequacy of the
contents of this Web site, and expressly disclaims liability for errors and
omissions in the contents of this Web site. 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 Web site or its links to other Internet resources.
Except as may be stated elsewhere
in these Terms and Conditions, C & G has
the unlimited right to use for any lawful purpose all information submitted to C
& G by this site except those submissions made under separate legal
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 C & G BE LIABLE TO ANY PARTY FOR ANY LOSS OR
DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES CAUSED BY USE OF
THIS WEB SITE, OR ANY OTHER HYPERLINKED WEB SITE.
This Web site and the information
it contains are provided as a service by C & G. 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.
Use of this web site is governed by
the laws of the state of Illinois, other than laws governing conflicts of laws.
The exclusive venue for the resolution of any related dispute is a court of
competent jurisdiction in DuPage County, Illinois.
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.