Copyrights and Privacy Statement
Authorization of Use
The Howe Insurance Agency hereby authorizes any person to access this Website for
informational purposes only. The Howe Insurance Agency reserves the right to terminate access
to this Website at any time without notice. The data, information and material included in this
Website is copyrighted by The Howe Insurance Agency. All rights are reserved under the
copyright laws of the United States of America. No part of this Website can be redistributed,
copied or reproduced without the prior written consent of The Howe Insurance Agency.
The user of this Website assumes all responsibility and risk for the use of this Website and the
Internet generally. The Howe Insurance Agency, and its affiliated companies disclaim all
warranties, representations or endorsements, expressed or implied, with regard to the data,
information and material included in, or accessible from, this Website or the Internet, including,
but not limited to, all implied warranties of merchantability, fitness for a particular purpose or
noninfringement. The Howe Insurance Agency and its affiliated companies have the right to
discontinue, change or update any data, information or material included in the Website without
prior notice, and they do not assume any legal liability or responsibility for the accuracy,
completeness or usefulness of any data, information or material included in, or accessible from,
this Website. No advice or information given by The Howe Insurance Agency or its affiliated
companies shall create any warranty. Neither The Howe Insurance Agency nor its affiliated
companies warrants that the data, information and material included in the Website or on the
Internet will be uninterruptible or error free or that any data, information, software or other
material accessible from this Website is free of viruses or other harmful components. Several of
our pages describe various insurance products. The availability of a specific product may differ
from state to state. The product descriptions are general in nature and the insurance coverages are
subject to the specific terms of the actual policies issued. If you are interested in the terms and
conditions of a specific product, please contact us for additional information.
Disclaimer of Liability
In no event shall The Howe Insurance Agency or its affiliated companies be liable for any
compensatory, special, direct, incidental, indirect, or consequential damages, exemplary damages
or any damages whatsoever resulting from loss of use, data, information or profits arising out of
or in connection with the use or performance of the data, information or material included in this
Website or on the Internet generally or on any other basis.
Disclaimer for Links
Although this site includes links providing direct access to other Internet sites, The Howe
Insurance Agency and its affiliated companies take no responsibility for the content or information contained on those other sites, and does not exert any editorial or other control over
those other sites.
The Howe Insurance Agency will not be deemed to have accepted any electronic communication
unless The Howe Insurance Agency provides the sender of the electronic communication with an
acknowledgment verifying receipt of the communication. If The Howe Insurance Agency sends
any electronic communication, The Howe Insurance Agency will assume the communication
was received intact by the intended recipient. The recipient of such message must notify The
Howe Insurance Agency if the transmission was not received or was not received in a readable format.
Despite the security measures taken by The Howe Insurance Agency, there is an inherent risk in
disclosing personal information over the Internet. Anyone electronically transmitting personal
information assumes the risk that such information may be disclosed or intercepted by
unintended third parties and The Howe Insurance Agency disclaims all liability resulting from
such interception or disclosure. Anyone who wishes to apply for an insurance quote who is
concerned about maintaining the security of their personal information may mail the information
to The Howe Insurance Agency.
The Howe Insurance Agency is committed to protecting your privacy as a visitor to this Website
and as our customer. To our visitors and to our customers, we offer this pledge:
The Howe Insurance Agency is the owner of the information, which is collected on this Website.
We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any
personally identifiable information to any third party not specifically authorized by you to
We will ask you to provide your personal information to us when you enroll for coverage and
when you purchase an insurance policy from us. We will also ask you to provide your personal
information to us when you send e-mail to us from this Website or when you complete a web
form requesting personal identifiable information. When you enroll for an insurance policy at
The Howe Insurance Agency, we will ask you to provide your name, home address, mailing
address, telephone number and e-mail address. This information will be provided to the
insurance company when you purchase an insurance policy so they can establish you as a
policyholder. We will maintain a record of your information at the offices of The Howe
Insurance Agency, so we can provide you with policyholder service. The employees of The
Howe Insurance Agency are each required to sign and acknowledge a Confidentiality and Nondisclosure Agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer’s personal information.
When you purchase an insurance policy from The Howe Insurance Agency, you will pay the
premiums with your credit card or personal check. If you use your credit card to pay the
premium, your credit card information is deleted from our records after your purchase has been
authorized. A transaction number will be provided to you on your Binder of Insurance. You may
use this transaction number as a reference to the credit card purchase. We do not keep a record of
your credit card information. If you pay the premium using your personal check, we will keep a
copy of your check in your file.
When you send us e-mail from this Website or complete forms on this Website, you will provide
us with certain personally identifiable information including your e-mail address. We may share
this information with third parties who provide us services in the normal course of business
including, but not limited to, insurance carriers and their affiliates.
We transmit non-personally identifiable information to third party service providers (e.g.
Google) that collect website statistics. We may also transmit non-personally identifiable
information to third party service providers that may use such information during your visits to
this and other websites in order to provide advertisements about goods and services likely to be
of greater interest to you.
data that is stored on a visitor’s hard drive while they are visiting this Website. We may utilize a
short-lived form of cookie when you visit this site. At The Howe Insurance Agency, a cookie is
only used to identify one unique visitor from another visitor during a particular session. A
session is the period of active site-use while that unique visitor is linked to our server.
service by enabling us to: estimate our audience size and usage patterns; store information about
your preferences allowing us to customize our Site according to your individual interests; speed
up your searches; and recognize you when you return to our Website. You may refuse to accept
cookies by activating the appropriate setting on your browser. However, if you activate such a
setting, you may be unable to access certain parts of our Website. Unless you have adjusted your
browser to our Website.
The cookie expires and is deleted from the visitor’s computer as soon as they close their browser
or if they are not actively browsing our Website for more than 20 minutes. Should a previous
visitor to our Website return for a new session, they will be issued a new cookie and in no way
will they be recognized as a visitor from a previous visit or session.
This Website may contain links to third-party Websites that are not controlled by The Howe
Insurance Agency. These third-party links are made available to you as a convenience and you
agree to use these links at your own risk.
Please be aware that The Howe Insurance Agency is not responsible for the content of third-
party Websites linked to The Howe Insurance Agency nor are we responsible for the privacy
policy or practices of third-party Websites linked to The Howe Insurance Agency. Our Privacy
Policy only applies to information we collect from you while you are actively in a connection
with The Howe Insurance Agency. If you should link to a third-party Website from The Howe
Insurance Agency, we strongly encourage you to review and become familiar with that
free to contact us.
The The Howe Insurance Agency logo, and other marks, including the names of various products
and services described within and offered by companies represented by The Howe Insurance
Agency and its subsidiaries are service marks of these companies.
Permission to use, copy and distribute these materials without fee is hereby granted, for non-
commercial purposes, provided that the material is unaltered and The Howe Insurance Agency
copyright notice appears in all copies.
Use of this site shall be governed by and construed in accordance with the laws of our state of
business, without giving effect to any principles of conflicts of laws. Any dispute concerning this
site shall be subject to the exclusive venue of a court of competent jurisdiction in our state of
Should any provision of our terms and conditions be held invalid, unlawful or for any reason
unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the
remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the
validity or enforceability of the remaining provisions.