Mel Himes & Associates Insurance Agency, Inc. - Personal, Commercial, Church & Nonprofit, Life & Health

This web site is an information service provided by Mel Himes & Associates Insurance Agency, Inc. herein after known as "the agency".

By using the web site, you agree to be bound by this Terms of Use Agreement. This Terms of Use Agreement, all intellectual property issues, and your rights and obligations shall be governed by the laws of the United States of America and the State of Florida governing contracts wholly entered into and wholly performed within Florida.

The agency may change this Terms of Use Agreement at any time. When the terms are changed, the changes will appear in this document. By using the web site after any change in the Terms of Use Agreement is posted, you agree to be bound by all of the changes as well. You should consult this page each time you access the web site

This Terms of Use Agreement is personal to you, and you may not assign your rights or obligations to anyone. If any provision of this Agreement is invalid under applicable law, the remaining provisions will continue in full force and effect.

The agency may discontinue or change the web site, or its availability to you, at any time without notice.

The information available through this web site is the property of the agency or its licensors and is protected by copyright and other intellectual property laws. Information received through the web site may be displayed, reformatted and printed for your personal, non-commercial use only. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate the information received through the web site to anyone, including but not limited to others in the same company or organization, without the express prior written consent of the agency.. The web site includes facts, views, opinions and recommendations of individuals and organizations deemed of interest. The agency does not guarantee the accuracy, completeness or timeliness of, or otherwise endorse, these views, opinions or recommendations.

Due to the number of sources from which information on this web site may be obtained, and the inherent hazards of electronic distribution, there may be delays, omissions or inaccuracies in such information and the web site.

The web site may contain generic descriptions of coverage provided by various insurance policies. Any description of coverage on this web site is not a guarantee of the coverage provided on your policy purchased through this agency, or any other insurance policy you may currently own or purchase in the future. To verify coverage provided on your specific policy or a policy you are contemplating purchasing, you should contact the agency directly or the insurance carrier that issued, or will potentially issue the policy.

THE AGENCY AND ITS AFFILIATES, AGENTS AND LICENSORS CANNOT AND DO NOT WARRANT THE ACCURACY, COMPLETENESS, CURRENTNESS, NONINFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE NEWS AND INFORMATION AVAILABLE THROUGH THE WEB SITE, OR THE WEB SITE ITSELF. NEITHER THE AGENCY NOR ANY OF ITS AFFILIATES, AGENTS OR LICENSORS SHALL BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR INJURY CAUSED IN WHOLE OR PART BY ITS NEGLIGENCE OR CONTINGENCIES BEYOND ITS CONTROL IN PROCURING, COMPILING, INTERPRETING, REPORTING OR DELIVERING THE WEB SITE AND ANY NEWS AND INFORMATION THROUGH THE WEB SITE. IN NO EVENT WILL THE AGENCY, ITS AFFILIATES, AGENTS OR LICENSORS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON SUCH INFORMATION OR FOR ANY CONSEQUENTIAL, SPECIAL OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU AGREE THAT THE LIABILITY OF THE AGENCY, ITS AFFILIATES, AGENTS AND LICENSORS, IF ANY, ARISING OUT OF ANY KIND OF LEGAL CLAIM (WHETHER IN CONTRACT, TORT OR OTHERWISE) IN ANY WAY CONNECTED WITH THE WEB SITE OR THE INFORMATION IN THE WEB SITE SHALL NOT EXCEED THE AMOUNT YOU PAID TO THE AGENCY FOR USE OF THE SERVICE

The members of Mel Himes & Associates Insurance Agency, Inc.(hereafter referred to as MHAIA, INC.) respect you and your right to privacy. Our mission is to provide you with superior products and services, along with knowing that your privacy is secure. We value your trust, and we want you to know about our policies and procedures for protecting the privacy our your nonpublic personal information that we receive in connection with our products or services and your rights and responsibilities regarding such information. This notice explains our policies and practices as of September 1, 2001, regarding your nonpublic personal information in our records. We reserve the right to amend, modify, or supplement our privacy policy at any time in accordance with applicable law. If we make changes to our privacy policy we will provide you with a copy of a revised Notice as required by applicable law. This Notice applies to current and former customers of MHAIA, INC.

This Notice and privacy policy described herein do not apply to your relationships with other financial services providers that are not affiliated with MHAIA, INC. such as your other insurance agents or brokers and the insurance companies that MHAIA, INC. represents or from which it obtain insurance products and services for you. Their privacy policies and information practices govern how they collect, use and disclose information about you.

Information obtained directly from you, such as what you provide on applications and other forms you submit to MHAIA, INC. agents, brokers, CSR's, or employees, either in person, by telephone, or through our website, and from your dealings with us and others;
Information related to your transactions with us and/ or our affiliates, such as payment history, underwriting and claims information;
Information that we receive from nonaffiliated third parties, such as claims adjuster;
Information that we receive from consumer reporting agencies.

We may disclose information about you to our affiliates and use that information for the purposes related to servicing our products. Generally, we will not disclose the nonpublic information about you in our records to any organization not affiliated with MHAIA, INC. without your prior authorization. However, as required or permitted by law, we may disclose your information in our records to certain nonaffiliated third parties.

We maintain appropriate physical, electronic, and procedural safeguards to protect against unauthorized access to your nonpublic personal information contained in our records. Access to such information is restricted to individuals who need to know the information to service your account or provide products and services to you. We will educate our employees about the terms of this Notice and the importance of confidentiality and consumer privacy. Employee who gain unauthorized access to your nonpublic personal information in our records or otherwise violate our privacy policy will be subject to our disciplinary process, which may include termination of employment.

You have the right to review and receive a copy of your personal information in our records. If you believe any information in our records is incorrect you may request in writing that the information be amended, corrected, or deleted. We will investigate and amend, correct or delete the information you believe is incorrect if we can substantiate the error. If we do not correct the information, you have the right to file us a written statement of dispute, which we will include, in any future disclosure of that information by us.

If you have any questions about our privacy policy or the information about you contained in our records, please write us at the following address:

Mel Himes & Associates Insurance Agency, Inc.
321 Stratford Commons
Deltona, FL 32725