o    Simplified Insurance Group, LLC (“SIG”) is a nationwide, licensed insurance agency located in Sioux Falls, SD.  Our mission is to provide insurance products and agent resources to affiliated members. Simplified Insurance Group, LLC owns and operates this website.  Each agent or agency represented on this site must hold a life or health insurance license in the states they choose to solicit business.  It is the licensed agent’s own obligation to list appropriate state mandated license information in the “About Us” content page.

Disclaimer

• The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change without notice. Copyright in the pages and in the screens displaying the pages, and in the information and materials therein and in their arrangement, is owned or published with permission by SIG, unless otherwise indicated. No one has permission to copy or republish any information found on this web site and any pages thereof, unless otherwise indicated. Information from this web site is invalid unless it is read and is presented in its entirety.  Information contained in the “About Us” page is the sole discretion of the affiliated agent, and SIG is not responsible for the content or claims of that page.

Existing Insurance Coverage

• Do not cancel any existing insurance until you receive written confirmation from the insurance company to which you are applying that your new policy is in effect.

Disclaimer of Warranties and Limited Liability

• THIS WEB SITE IS PROVIDED BY SIG ON AN "AS IS" AND "AS AVAILABLE" BASIS. SIG MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. ANY LINKS TO OTHER WEB SITES ARE PROVIDED AS A COURTESY. THEY ARE NOT INTENDED TO NOR DO THEY CONSTITUTE AN ENDORSEMENT BY SIG OF THE LINKED MATERIALS. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, SIG DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. SIG DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM SIG ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. SIG WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, EVEN IF SIG IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Privacy Policy

• This web site is owned and operated by SIG, a South Dakota limited liability company and this Privacy Policy governs the manner in which SIG collects, uses, maintains and discloses information collected from users of the web site (each, a “User”). SIG immediately distributes collected information and delivers that data to the agent of record’s email inbox. SIG does not retain collected information, nor uses the information for our purposes. SIG reserves the right, at its discretion, to change, modify, add, or remove portions of this Privacy Policy at any time without notification.  Please check this Privacy Policy periodically for changes. The continued use of the web site following the posting of changes to these terms will mean you accept those changes.  Each affiliated agent must also agree to these terms.  To remain affiliated, an agent must be an active member of SIG issuing a minimum of one insurance policy with SIG per calendar quarter.  Failure to uphold the minimum standard will cause the agent to forgo their SIG affiliation, and their web site will no longer be active.  As a consumer, if you are able to view an agent’s web site, that affiliated agent is in good standing and is compliant, to the best of SIG’s knowledge, to the full terms of the web site. SIG is not responsible for affiliated insurance agent’s use of submitted client data distributed to that agent.

Privacy

• SIG is committed to safeguarding the information Users entrust to SIG’s sites and believes every User should know how SIG utilizes the information collected from the web site. This web site is not directed at children under 13 years of age.

The Information We Collect

• SIG may collect personally identifiable information from Users in a variety of ways. Personally identifiable information may include contact data (such as a User’s name, telephone number, and e-mail addresses).  This information is directly sent to the affiliated agent, and no outside affiliates, beyond the direct agent of record, will receive personal information from SIG.

 How We Use Personally Identifiable Information

• SIG assumes personally identifiable information collected through this Web Site will allow the affiliated licensed insurance agent of record to contact Users from time to time via email, mail and/or telephone regarding products and services offered by that agent.  By submitting your personal identifiable information, you agree that the agent of record can contact you.

Maintenance of Information

• Information about Users is not maintained on our systems. We cannot guarantee that the information submitted directly to our affiliated agents will be completely secure.

Applicability of Privacy Policy

• The information contained in this privacy policy applies only to information gathered on this website. All of the personal information you submit to SIG through this website shall be governed by this privacy policy.

Links to Other Websites

• This website may contain links to other websites. By clicking on these links you are being redirected to another website whose privacy practices may differ from SIG. SIG is not responsible for the privacy practices or information contained in these sites. Please review the privacy policy which is set forth on the external website you are visiting.

Complaints

• If for any reason you feel your privacy rights have been violated, you may file a complaint with SIG at privacy@simplifiedinsurancegroup.com or with the Secretary of the Department of Health and Human Services for your state. All complaints must be in writing. You will not be retaliated against for filing a complaint.

Questions

• Users may direct questions concerning this Privacy Policy by email to privacy@simplifiedinsurancegroup.com

Updated: August 18, 2009