Privacy Policy, Privacy Notice, and Terms of Use Agreement

(WEBSITE) PRIVACY POLICY:

The goal at Pinnacle Point Insurance is to protect your information on the Internet. This Website Privacy Policy is to be read with Pinnacle Point Insurance Privacy Notice which addresses our privacy practices off the Internet.

The personal information you may submit online involves your name, names of family members, e-mail addresses, home address, phone numbers, other personal information, the services requested and/or purchased. Pinnacle Point Financial does not collect or maintain information from children under the age of 18. We only do business with persons over the age of 18. If we discover that someone under the age of 18 is communicating with us, we will advise their parents.
This website uses cookies for administrative purposes. However, the cookies do not contain information enabling anyone from contacting you. It is simply a means to provide better service for you. You may fashion your server to advise you when cookies are being set and to prevent cookies from being set.

We maintain security measures to prevent unauthorized access to all personal and financial information. No information is ever sold by Pinnacle Point Financial. This site may have links to other internet websites of affiliated companies, advertisers, business partners, or third parties. This Privacy Policy does not apply to any site other than www.pinnaclepointfinancial.com. It does not apply to any linked site or to other websites owned or sponsored by our agents, representatives, or our affiliated companies advertisers, business partners, or third parties. The site sponsor of this site is Pinnacle Point Financial. All other linked sites will have their own privacy policy.

Pinnacle Point Insurance reserves the right to update, amend and/or change this website Privacy Policy and/or the Privacy Notice at any time in its sole discretion and without notice. Updates to this website Privacy Policy and/or Privacy Notice will be posted on this page. You are encouraged to revisit this website Privacy Policy and the Privacy Notice from time to time in order to review any changes that have been made. This site was last update was January, 2007. Your
continued access and use of www.pinnaclepointinsurance.com following the posting of any such changes shall automatically be deemed your acceptance of all changes.

PRIVACY NOTICE:

Our client’s privacy concerns are of the utmost importance to us at Pinnacle Point Insurance and we want to insure that all your privacy concerns are met. This notice provides you with the procedures and steps we follow in our efforts to protect the information we receive.

Our employees, agents, representatives, and carriers with whom we are contracted with may obtain Nonpublic Information about you which is information not always available to the public including, but not limited to, your name, address, date of birth, Social Security number, marital status, assets, health history, and financial history. All of our employees, agents, representatives, and carriers that provide services and products for you have been trained to protect your personal information from persons and companies unauthorized to receive it. (We do not ever sell information of any kind.)

We will not share your personal information with anyone unless it is required by law or there is a need to disclose information to process a transaction. We will share personal information with carriers with whom we have joint marketing agreements and/or contracts in order to obtain the products and/or services you have applied for, such as insurance products, fixed and variable annuities products, and indexed products. Some of the companies and persons who may obtain your personal information are banks, attorneys, insurance companies, insurance agents, registered broker/dealers, auditors, and/or regulators.

Our privacy policies extend to all of our agents, registered representatives and employees when they are acting on behalf of Pinnacle Point Insurance. Further, our policies apply not only to our current clients but to all our former clients.

TERMS OF USE AGREEMENT:

Please read this Terms of Use Agreement carefully. By accessing this Website and any pages hereof, you agree to be bound by the terms and conditions below. If you do not agree with the terms and conditions of this Agreement and Pinnacle Point Insurance and its affiliates, including, but not limited, to the Website located at URL www.pinnaclepointinsurance.com. By visiting, using and/or submitting information to www.pinnaclepointinsurance.com you agree to be bound by the terms and conditions of this Agreement and Pinnacle Point Insurance’s Privacy Policy, Privacy Notice including any changes or revisions to this Agreement, and Pinnacle Point Insurance’s Privacy Policy, and Privacy Notice which Pinnacle Point Insurance, and in its sole discretion, may make in the future.

You represent that you have the capacity to be bound by this Agreement, or if you are acting on behalf of a company or other entity, you have the authority to bind such company or entity. Your right to access Pinnacle Point Insurance is granted only to access and use www.pinnaclepointinsurance.com for lawful purposes and pursuant to the
terms and conditions of this Agreement and Pinnacle Point Insurance’s Privacy Policy and Privacy Notice. Your access and use of www.pinnaclepointinsurance.com may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of www.pinnaclepointinsurance.com or other actions that Pinnacle Point Insurance, in its sole discretion, may elect to
take. Pinnacle Point Financial reserves the right to suspend or discontinue the availability of www.pinnaclepointinsurance.com and/or any portion or feature of www.pinnaclepointfinancial.com at any time in its sole discretion and without prior notice. Any action by you that, in Pinnacle Point Insurance’s sole discretion,
violates the terms and conditions of this Agreement and/or Pinnacle Point Insurance’s Privacy Policy and/or Privacy Notice. Restricts, inhibits or prevents any access, or use of www.pinnaclepointfinancial.com.. Through the use of www.pinnaclepointinsurance.com, defames, abuses, harasses, offends or threatens, shall not be permitted, and may result in your loss of the right to access and use www.pinnaclepointfinancial.com. You may not provide links to, or frame
www.pinnaclepointinsurance.com without the prior express written permission of Pinnacle Point Insurance.

The names Pinnacle Point Insurance, www.pinnaclepointinsurance.com, and Pinnacle Point Insurance’s graphics, designs, logos, page headers, button icons, scripts and service names are property of Pinnacle Point Insurance. You may not use our property without the prior express written permission of Pinnacle Point Insurance, which permission may be withheld by Pinnacle Point Insurance’s at there sole discretion. Pinnacle Point Insurance makes no proprietary claim to any
third-party names, trademarks or service marks appearing on www.pinnaclepointinsurance.com. Any third-party names, trademarks, and service marks are property of their respective owners. The information, advice, data, software and content viewable on, contained in, or from, www.pinnaclepointinsurance.com website, including, without limitation, all text, graphics, pictures, photographs, images, line art, icons, are on loan to, or otherwise licensed to, Pinnacle Point
Insurance or its content suppliers. Pinnacle Point Insurance also owns, work on the website’s coordination, arrangement, presentation, display and enhancement of the Website. All software used on www.pinnaclepointinsurance.com is the property of Pinnacle Point Insurance or its software vendors.

When you visit www.pinnaclepointinsurance.com or send e-mail to Pinnacle Point Insurance, you are communicating with Pinnacle Point Insurance electronically. Your consent to receive communications from Pinnacle Point Insurance electronically. Although Pinnacle Point Insurance may choose to communicate with you by
regular mail, and/or phone. Pinnacle Point Insurance may also choose to communicate with you by e-mail. You agree that all agreements, notices, disclosures and other communications that Pinnacle Point Insurance provides to you electronically (e-mail) satisfies any legal requirement that such communications be in writing.

There may be provided on www.pinnaclepointinsurance.com links to other Web sites belonging to advertisers, business partners, affiliates and other third parties. Such links do not constitute an endorsement by Pinnacle Point Insurance of those Web sites, nor the products or services listed on those Web sites. Pinnacle Point Insurance is not responsible for the activities or policies of those Web sites. Pinnacle Point Insurance does not endorse or recommend the products
of any particular advertiser, business partner, affiliate or other third party. Pinnacle Point Insurance does not guarantee that the products or rates offered by any particular advertiser, business partner, affiliate or other third party on www.pinnaclepointinsurance.com are provided to you on a as is and as available basis. Pinnacle Point Financial makes no representations or warantees of any kind, expressed or implied, as to the operation of www.pinnaclepointinsurance.com or the information, content, materials, products or services included on or associated with www.pinnaclepointinsurance.com you expressly agree that your use of www.pinnaclepointinsurance.com is at your sole risk. Pinnacle Point Insurance does not make any representations, warrantees or guarantees, expressed or implied, regarding the accuracy, correctness, or completeness of the content or the services and products associated with www.pinnaclepointinsurance.com, nor the safety, reliability, title, timeliness, completeness, merchantability, conformity or fitness for a particular purpose of the content or the services and products associated with www.pinnaclepointinsurance.com. It is your sole responsibility to independently evaluate the accuracy, correctness or completeness of the content, the services and products associated with www.pinnaclepointinsurance.com. Pinnacle Point Insurance makes no representation, warranty or guarantee that the content that may be available is right for everyone.

The Content is intended only to assist you with financial options and is broad in scope and does not consider your personal financial situation or that of your family. Your personal financial situation and/or families is unique and the information and suggestions may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, Pinnacle Point Insurance recommends that you obtain additional information and advice from your legal council, accountant and tax advisers who are fully aware of your individual circumstances. Pinnacle Point Insurance does not give legal or tax advice.

Pinnacle Point Insurance shall in no event be responsible to, or liable to you, or any, third party whether in contract, warranty, tort (including negligence) or otherwise, for any damages, including but not limited to, special, incidental, indirect or consequence damages that include, but are not limited to, damages for any loss of profit, revenue of business, as a direct or indirect or; of your breach or violation of terms and condition of this agreement; your access or use of
www.pinnaclepointinsurance.com your delay in accessing or inability to access or use www.pinnaclepointinsurance.com for any reason; your reliance upon or use of the content of the website, or any information, software, products or service obtained through www.pinnaclepointinsurance.com, or otherwise arising out of the use of www.pinnaclepointinsurance.com, whether resulting in whole or in part, from breach of contract, tortuous behavior, negligence, strict liability or otherwise, even if Pinnacle Point Insurance and/or it’s suppliers had been advised of the possibility of damages.

Certain state laws may not allow limitations on implied warranties or the exclusion or limitation of certain damages. You shall defend, indemnify and hold harmless Pinnacle Point Insurance and its officers, directors, employees, independent contractors, agents, representatives and affiliates from and against all claims and expenses, including, but not limited to, attorneys’ fees, arising out of, or attributable to; any breach or violation of this Agreement by you; your failure to provide accurate, complete and current personally identifiable information requested or required by Pinnacle Point Insurance;
your access or use of www.pinnaclepointinsurance.com or any of Pinnacle Point Insurances websites now or in the future.

Pinnacle Point Insurance reserves the right to update, amend and/or change this Agreement at any time in its sole discretion and without notice. Updates to this Agreement will be posted on this page. You are encouraged to revisit this Agreement from time to time in order to review any changes that have been made. Pinnacle Point Insurance’s last update was January, 2007. Your continued access and use of www.pinnaclepointinsurance.com following the posting of any
such changes shall automatically be deemed your acceptance of all changes.

This Agreement and Pinnacle Point Insurance’s Privacy Policy, and Privacy Notice represent the entire understanding and agreement between you and Pinnacle Point Insurance regarding the subject matter of the same, and supersede all other previous agreements, understandings and/or representations regarding the same. If you have questions, comments, concerns or feedback regarding Pinnacle Point Insurance’s Privacy Policy, Privacy Notice, Agreement, and/or
www.pinnaclepointinsurance.com please contact us by any means.