Insential Terms of Use

Effective July 1, 2007

By using Insential.com in any manner (whether browsing, following a link, sending an e-mail to an Insential.com e-mail address, obtaining or saving or retrieving a premium estimate, making a purchase, or using any other content or materials on Insential.com), you agree to all terms and conditions contained or referenced in these Terms of Use. These Terms of Use apply only to your use of Insential.com and do not change or alter any other agreement or contract between you and Insential,  Inc.

Insential reserves the right, in its sole discretion, to modify or change these Terms of Use at any time without prior notice to you. Your continued use of Insential.com following the posting of any changes to the Terms of Use constitutes acceptance of those changes.

If at any time you choose not to accept these Terms of Use, please do not use this Web site or send e-mail to any Insential.com e-mail address.

Jurisdictional Statement
This Web site is controlled, operated and intended for use only in the United States of America. We do not represent that materials on this Web site are appropriate or made available for use outside of the United States of America.

Ownership of Materials & Restrictions on Use
The information on this Web site, along with any materials (including, for example, press releases and product descriptions) is the copyrighted work of Insential and is protected under United States and worldwide copyright laws and treaty provisions. Insential grants you permission to copy such materials so long as each copy: (i) is solely for informational, non-commercial use and is not modified or revised in any manner; (ii) plainly displays all copyright and other proprietary notices, in the same form and manner as on the original; and (iii) displays a statement that the materials are used solely with permission of Insential. To seek permission for any other use, please contact Insential at 1-888-571-6160.

Privacy Policy
We value you as a customer and we know how much privacy means to you.
Our Privacy Principles:

• We do not sell customer information.
• We do not allow those who are doing business on our behalf to use our customer information for their own marketing purposes.
• We contractually require any person or organization providing products or services on our behalf to protect Insential customer information.
• We do not share customer medical information with anyone within the Insential family of companies unless:
  • You expressly authorize it.
  • It is permitted or required by law.
  • Your insurance policy contract with us permits us to do so.

We afford prospective and former customers with the same protections as existing customers with respect to the use of personal information.

Information We May Collect:
We collect, use, and share information we need to conduct our business, to advise you of our products and services, and to provide you with customer service. We may collect and maintain several types of customer information needed for these purposes, such as those below.

Types of information we may collect and how we gather it:

• From you, on applications for our insurance products, or on other forms, through telephone or in-person interviews, or your Insential agent, information such as your address and telephone number;
• From your transactions with us, such as your payment history, underwriting, and claim records; and
• From non-Insential companies, organizations, or consumer reporting agencies, such as your driving record, claim history, or credit history.

How We Use Information About You:
We use customer information to fulfill a transaction you may have requested, underwrite your policies, process and investigate your claims, ensure proper billing, service your accounts, detect or prevent fraud, participate in insurance support organizations, comply with lawful requests from regulatory and law enforcement authorities, and offer you other Insential products we feel may suit your needs.

Information Disclosure
We share information about our transactions (such as payment of premium) and experiences (such as an accident claim) with you with Insential affiliates under common control and with Insential agents to better serve you and to help meet your current product and service needs. We may share information about you with persons or organizations inside or outside our family of companies as permitted or required by law, including sharing with companies that perform marketing or other services for us or with whom we have joint marketing agreements. These agreements allow us to provide a broader selection of insurance products to you. These persons or organizations may include:

• Our affiliated companies
• Companies that perform services, such as marketing, on our behalf.
• Insurance companies. This would be done so they could perform their role in an insurance transaction involving you.
• Independent claims adjusters.
• A business or businesses that conduct actuarial or research studies.
• People who request information pursuant to a subpoena or court order.
• Repair shops and recommended claims vendors.
• Your agent or broker.

We may also share customer information with consumer reporting agencies and with other entities as needed to handle your claim and to protect against fraud and unauthorized transactions.

Your Choice to Share Information
There are two types of information sharing - sharing with Insential affiliates and sharing outside Insential. We do not sell customer information. We do not allow those who are doing business on our behalf to use our customer information for their own marketing purposes. The choice in the Special Notice, which follows, applies only to the sharing of information with Insential affiliates.

SPECIAL NOTICE REGARDING THE SHARING OF CERTAIN INFORMATION WITH INSENTIAL AFFILIATES
This special notice applies only to information sharing with Insential affiliates that does not involve your transactions or experiences with us.

WHAT INFORMATION WE SHARE: Unless you tell us not to, we may share information with Insential affiliates that was obtained from your application, such as your occupation; or business; or information obtained from a consumer or business report, such as your credit history.
We may also verify information provided by you, such as your loss history. This sharing may take place unless you have told us not to share this information.

WHY WE SHARE: We may share information about you with Insential affiliates:

• To enhance our service to you.
• To underwrite your policies.
• To measure your interest in our products or services.
• To improve existing products and develop new ones.
• To monitor customer trends.

WHO WE SHARE WITH: We may share information within the Insential, including but not limited to:

• American Builders & Contractors Supply Co., Inc. and its affiliates.
• American Patriot Insurance Agency, Inc.
• Hendricks Holding Company, LLC and its affiliates.
• WRI Management Services, LLC.

If you are a new customer and you prefer that Insential not share your personal information among our family of companies, call or write your Insential agent or call us toll-free at 1-888-571-6160. Your choice will also apply to your joint account holders and/or policy holders.
If you are an existing customer and have already told us your sharing preference, no action is needed unless you want to change your information sharing preference. To change your preference at any time, call or write your Insential agent or call the toll-free number listed above.
Your choice does not limit Insential from sharing certain information about your transactions with us (such as your name, address, and payment history) or your experiences with us (such as your claim activity). This choice does not apply to our efforts to market products and services to you - you may receive information about Insential products that may suit your needs.

Insential Protects Customer Information:
In order to ensure the safety of customer information, we continually:

• Maintain physical, electronic, and procedural safeguards
• Review our policies and practices
• Monitor our computer networks
• Test the strength of our security

Thank you for choosing Insential. We value you as a customer and appreciate the opportunity to serve you.

Bulk E-Mail and Other Prohibited E-Mail
The Insential computer network (which includes, but is not limited to, the technology and applications which support the e-mail functionality Insential provides its officers, employees, independent contractor agents, and other authorized users) is the private property of Insential.
Insential prohibits any bulk e-mail transmissions to be sent, or caused to be sent, over the Internet to Insential.com e-mail addresses unless Insential, through one of its officers, has specifically requested or authorized the sending of such bulk e-mail. For purposes of these Terms of Use, the word "bulk" shall mean an e-mail message, or group of identical or similar e-mail messages, sent to more than 20 different Insential.com addresses in any 24-hour period.

Insential also prohibits any e-mail transmissions of the following types to be sent, or caused to be sent, over the Internet to more than 5 different Insential.com e-mail addresses in any 24-hour period unless Insential, through one of its officers, has authorized the sending of such e-mail: (1) commercial advertising; (2) informational announcements; (3) political or religious tracts; or (4) solicitations for funds or donations.
Insential prohibits any e-mail transmission to be sent, or caused to be sent, over the Internet to any Insential.com e-mail addresses if the e-mail is intended to, or appears intended to, harass, embarrass, threaten, defame or impersonate any person, or if the e-mail is pornographic, offensive, indecent, discriminatory or offensive on the basis of sex, color, national origin, race, age, religion, sexual orientation or disability.
Insential prohibits any e-mail transmission to be sent, or caused to be sent, over the Internet to any Insential.com e-mail address that makes use of a forged header or deceptive addressing, or which attempts in any manner to disguise the source of the e-mail.
Insential prohibits the harvesting or collection of the e-mail addresses of Insential agents and/or personal financial representatives from the Insential.com web site for the purpose of sending bulk e-mail to Insential.com e-mail addresses.
Insential reserves the right to take all legal and technical steps available, including pursuing civil remedies and criminal prosecution, to prevent bulk or other prohibited e-mail from entering, utilizing or remaining within the Insential computer network.
Nothing in this policy is intended to grant any right to transmit or send e-mail to, or through, the Insential computer network. Insential’s failure to enforce this policy in every instance in which it might have application does not amount to a waiver of Insential’s rights.

Links to Other Web Sites
This Web site may contain links to other sites. Insential provides links to other sites as a convenience to persons who visit the Insential Web site. If you choose to use the services provided by those sites, you may be asked by those sites to provide certain personally identifiable information (some of which may, on an individual or aggregated basis, be shared with Insential). Please be aware that Insential is not responsible for the privacy practices of those sites, even though Insential’s name or logo may appear on those sites. We encourage you to be aware when you leave our site and to read the privacy policies of each and every Web site that you visit, as the privacy policies of those sites may differ from ours. Our Privacy Statement applies solely to this Web site.
Insential is not responsible for the contents of any linked site or any link contained in a linked site.

Links to Insential.com
Insential appreciates your interest in linking your Web Site (the "Linking Site") to Insential‘s Web site, located at www.Insential.com. In order to avoid misunderstandings regarding the use of Insential's trademarks, trade names and other proprietary information, Insential asks that you review and agree to the following guidelines:

1. Third parties are authorized to include active links on Web sites they control to direct a browser to Insential's "home page" at http://www.Insential.com.
   
   However, third parties may not include on their Web sites links to any other page maintained on the Insential.com Web site unless they have received prior written permission of an officer of Insential or unless the Linking Site is an Internet search engine.
2. Framing. Unless you have received specific written permission from Insential, you may not (a) "frame" or otherwise impose editorial comment, commercial material or any type of identification on (or in proximity to) content displayed on the Insential Web site ("Insential Content"), (b) alter or modify Insential Content, or (c) "cut and paste" or otherwise reproduce Insential Content on the Linking Site.
3. No Archiving. Your link must be to the current Insential site only. In permitting linking, Insential does not grant you the right to reproduce, modify, cache or archive the Insential Content for any purpose.
4. Link At Your Own Risk. Insential makes no representations or warranties regarding the Insential Web site, which is provided "as is." Linking Sites link to the Insential Web site at their own risk. Insential is under no obligation to maintain the Insential Web site, provide or update Insential Content or otherwise support your link to the Insential Web site.
5. Termination. Insential may revoke this license immediately if you fail to follow these guidelines. Insential may revoke this license upon ten (10) days notice without cause.

Disclaimers
THIS WEB SITE IS PROVIDED ON AN "AS IS" BASIS. TO THE EXTENT PERMITTED BY LAW, INSENTIAL, INC. DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. INSENTIAL DOES NOT WARRANT THAT THE FUNCTIONALITY OR OPERATION OF THE INSENTIAL WEB SITE WILL BE UNINTERRUPTED OR FREE FROM ERROR, THAT ANY DEFECTS IN THE WEB SITE WILL BE CORRECTED, OR THAT THE WEB SITE OR THE SERVER(S) THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL CONDITIONS OR COMPONENTS.
INSENTIAL MAY CHANGE THE PROGRAMS OR PRODUCTS MENTIONED AT ANY TIME WITHOUT NOTICE. ADDITIONALLY, ALL INSURANCE PRODUCTS REFERRED TO IN THIS WEB SITE ARE SUBJECT TO AVAILABILITY AND QUALIFICATIONS. PRODUCT TERMS, CONDITIONS, AND EXCLUSIONS NOT DESCRIBED IN THIS WEB SITE MAY APPLY.

Limitation of Liability
TO THE EXTENT PERMITTED BY LAW, INSENTIAL DISCLAIMS LIABILITY, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, FOR DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES) IN ANY WAY ARISING FROM THE FUNCTIONALITY OR OPERATION OF THIS WEB SITE (INCLUDING, BUT NOT LIMITED TO, DAMAGES ARISING FROM INTERRUPTIONS OF SERVICE OR DELAYS IN OPERATION OR TRANSMISSION), EVEN IF INSENTIAL IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Severability
If any provision of these Terms of Use is held invalid, void or unenforceable, then that provision will be considered severable from the remaining provisions, and the remaining provisions shall remain in full force and effect.