David E Cornish
C & G Insurance Agency, Inc.
insure@cginsag.com
900 S. Frontage Road - Suite 375
Woodridge , IL , 60517 U.S.A.
(630) 985-9700
Insurance Car Insurance Home Insurance Life Insurance Business Insurance Health Insurance Auto Insurance Workers Comp Annuity Homeowners Insurance Insurance Agency Insurance Agent

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C & G Insurance Agency, Inc., Insurance Services, Woodridge, IL


Terms & Conditions

General

This page sets forth the terms and conditions under which C & G Insurance Agency, Inc. (hereafter referred to as C & G) provides the information on this Web site, as well as the terms and conditions governing your use of this site.  By making use of this site, you agree to be bound by the terms and conditions we have outlined below.  If you do not accept these terms and conditions, you may not continue to use or access this site.  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 site following the posting of changes to these terms will mean you accept those changes. 

 

I understand that no insurance coverage or changes to insurance coverage will be considered bound or in force until I have received written confirmation from a licensed agent of C & G.

I understand that insurance terms, definitions, descriptions of coverage, and other insurance information and non-insurance information are not complete, and may not be up to date.  They are meant for general informational purposes, and not for specific advice or recommendations. For detailed and complete information, it is my responsibility to contact C & G, and ultimately read the policy.

I understand that C & G 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 C & G 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 C & G in the event of errors or misunderstandings.

C & G 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 C & G in case of error.

I am responsible for updating email address and other information in the event of change.

Privacy Policies and Practices


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 summons. 

We do not sell information about our customers.

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 statement.

Security

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.

Passwords

 

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 occur

 

Communication Methods

 

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. 

 Loss Prevention

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 these companies.

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.

Third-Party Sites  

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 authors.

Warranties Disclaimers

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 contract. 

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.

Jurisdiction and Enforceability

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.

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