This Privacy Policy describes how your personal information is collected, used, and shared when you visit andresoneilandlowe.com (the “Site”).

General privacy policy

When you visit the Site, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies that are installed on your device. Additionally, as you browse the Site, we collect information about the individual web pages or products that you view, what websites or search terms referred you to the Site, and information about how you interact with the Site. We refer to this automatically-collected information as “Device Information.”

We collect Device Information using the following technologies:

“Cookies” are data files that are placed on your device or computer and often include an anonymous unique identifier.

“Log files” track actions occurring on the Site and collect data including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps.

“Web beacons,” “tags,” and “pixels” are electronic files used to record information about how you browse the Site.

In addition, if you pay your bill or make another form of financial transaction with the Site, we collect certain information from you, including your name, billing address, payment information (including credit card numbers), email address, and phone number. We refer to this information as “Purchase Information.”

When we talk about “Personal Information” in this Privacy Policy, we are talking both about Device Information and Purchase Information.

How we use your personal information

We use your Personal Information to communicate with you, process financial transactions, provide you with information, and/or advertising relating to our products or services.

In particular, we use Device Information that we collect to help us improve and optimize our Site (for example, by generating analytics about how visitors browse and interact with the Site and to assess the success of our marketing and advertising campaigns).

Sharing your personal information

We share your Personal Information with third parties to help us provide a better experience. For example, we use Google Analytics to help us understand how our visitors use the Site. You can read more about how Google uses your Personal Information here:

https://policies.google.com

You can also opt-out of Google Analytics here:

https://tools.google.com/dlpage/gaoptout

We may also share your Personal Information to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive or to otherwise protect our rights.

Behavioral advertising

As described above, we may use your Personal Information to provide you with targeted advertisements or marketing communications we believe may be of interest to you. You may opt out of targeted advertising by visiting:

Facebook: https://www.facebook.com/ads/preferences/

Google: https://adssettings.google.com/

LinkedIn: https://www.linkedin.com/psettings/advertising

Bing: https://choice.microsoft.com/

Additionally, you can opt out of some of these services by visiting the Digital Advertising Alliance’s opt-out portal here:

http://optout.aboutads.info/

Do not track

Please note that we do not alter our Site’s data collection and use practices when we see a Do Not Track signal from your browser.

If you are a European resident, you have the right to access Personal Information we hold about you and to ask that your Personal Information be corrected, updated or deleted. If you would like to exercise this right, please contact us.

Additionally, if you are a European resident we note that we are processing your information in order to fulfill contracts we might have with you (for example, if you request information through the Site) or otherwise to pursue our legitimate business interests listed above. Additionally, please note that your information will be transferred outside of Europe, including to Canada and the United States.

Data retention

When you interact with the Site, we will maintain your Personal Information for our records unless and until you ask us to delete this information.

Changes

We may update this privacy policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal or regulatory reasons.

Contact us

For more information about our privacy practices, if you have questions or if you would like to make a complaint, please contact us by email at agency@andresins.com or by mail using the details provided below:

227 North Lynn Street, Bryan, OH 43506

Website terms and conditions

Welcome. Please carefully read the following Terms and Conditions of Use (“Terms of Use”) before using this Website (“Site”). By using this Site, you are agreeing to these Terms of Use. These Terms of Use are in addition to any other agreements between you and Andres O’Neil and Lowe Agency. If you do not agree to these Terms of Use, do not use this Site.

This Site is owned and operated by Andres O’Neil and Lowe Agency on behalf of itself and its subsidiaries and affiliates. You can use the Site for your online access to information about Andres O’Neil and Lowe Agency our products and services, educational content, self help tools, and your personal Andres O’Neil and Lowe Agency accounts (Online Activities).

This Site is intended for Andres O’Neil and Lowe Agency policyholders only. Third parties are not to use this Site for any purpose. If you are not an Andres O’Neil and Lowe Agency policyholder, employee, or authorized agent, access or use of this Site is a violation of its Terms of Use.

Andres O’Neil and Lowe Agency reserves the right to modify the Terms of Use at any time and any such modifications shall be effective immediately upon posting. Continuing to use this Site after a modification is posted will constitute your acceptance of the modification, so please check this page regularly for modifications.

Disclaimer of Warranties

All information and other materials present on the Site (“Content”), including without limitation, products, and services are provided “as is,” without any warranties about the content’s nature or accuracy (either when posted or as a result of the passage of time) and without any representations or guarantees.

Without limiting the above, Andres O’Neil and Lowe Agency disclaims all warranties, expressed or implied, including, but not limited to warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy with regard to the Site or any web site owned by a third party to which or from which the Site is linked (“Linked Web Site”). Andres O’Neil and Lowe Agency does not endorse and is not responsible for the capabilities or reliability of any product or service obtained from a Linked Web Site. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.

The information, products, software or service descriptions published on the Site or a Linked Web Site may include inaccuracies or typographical errors. The company disclaims liability for such errors and does not warrant or represent that the content on the site or a Linked Web Site is updated or complete. Andres O’Neil and Lowe Agency has no obligation to update any content on the Site and may change or improve the Site at any time without notice.

Andres O’Neil and Lowe Agency makes no representations, warranties or guarantees that the Site will be accessible continuously and without interruption, or error free.

Limitation of Andres O’Neil and Lowe Agency’s Liabilities

In no event will Andres O’Neil and Lowe Agency, its respective service providers, employees, agents, officers or directors be liable to you for any punitive, indirect, direct, special, incidental or consequential damages, including any lost profits, cost of procuring substitute service or lost opportunity, even if you have notified Andres O’Neil and Lowe Agency about the possibility of such damages, or for any claims by any third parties arising out of or in any way related to the access, use or content of the Site or Linked Web Site whether such claims are brought under any theory of law or equity.

This limitation on liability includes, but is not limited to transmission of viruses that infects a user’s equipment, mechanic or electronic equipment failure, failure of communication lines, telephone or other interconnects, unauthorized access, theft, operational errors, strikes or other labor problems, or any force majeure.
Some states do not allow the exclusion of liability for certain damages, so the foregoing exclusions or limitations may not apply to you.

Your Liabilities for Violations

Andres O’Neil and Lowe Agency has the right to deny you access and use of the Site and its Content if you violate (as Andres O’Neil and Lowe Agency may determine in its sole and absolute discretion) any provision of the Terms of Use. Andres O’Neil and Lowe Agency reserves the right to seek all other remedies available at law and in equity.

You agree, at your own expense, to defend, indemnify and hold Andres O’Neil and Lowe Agency harmless from any claim or demand, including reasonable attorney’s fees, made by a third party in connection with or arising out of your access to, or use of, the Site or any of its Content in a manner other than as expressly authorized by the Terms of Use, your breach of the Terms of Use, or your violation of applicable laws or any rights of any third party.

Password Registration

Some areas of Andres O’Neil and Lowe Agency’s Site are restricted for the use of Andres O’Neil and Lowe Agency’s policyholders and require a user identification name (“User ID”) and a password for access. You are responsible for maintaining the confidentiality of your User ID and password. You may not share your password with or transfer your password to any third party. You are responsible for all uses of your User ID and password, and any and all related charges, whether or not authorized by you. You agree to immediately notify Andres O’Neil and Lowe Agency of any unauthorized use of your password or User ID or any other breach of security. Andres O’Neil and Lowe Agency will not be liable for any loss you may incur as a result of someone else using your password or User ID, either with or without your knowledge. However, you could be held liable for losses incurred by Andres O’Neil and Lowe Agency or another party due to someone else using your User ID or password.

System Requirements

To receive, access, and reply to applicable Communications you will need:

• a personal computer or other access device with Internet access,
• a web browser which is capable of supporting 128-bit SSL encryption,
• software that lets you retrieve and open Portable Document Format or “PDF” files, and
• the ability to download or print agreements and disclosures.

System Requirements to Retain Information

To retain the Communications sent to you electronically for your records, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette), print PDF files, or print web pages and embedded HTML files. In some cases, you must print, complete, and sign Communications with a pen, and then return them to Andres O’Neil and Lowe Agency according to the instructions on the document. To do this, you must have a functioning printer connected to your personal computer or other access device which is able to print Communications and the instructions on plain, white 8 1/2 x 11 inch paper.

It is your sole responsibility to insure your personal computer, software, Internet web browser, and related equipment are compatible and capable of operating in a manner that allows you to utilize Online Access. If you cannot meet the requirements for any reason, you have the right to withdraw you consent to one or more Online Activities at no cost to you and request your Communications in paper via the US mail.

Your Privacy

Please review our Privacy Policy for more information.

Updating Your E-Mail Address

If you have provided us with your e-mail address in order to register for Online Access or to receive electronic communications from us, you are responsible for keeping your e-mail address current and up-to-date on this site. To do this, you may update your e-mail address by using the Online Activities or by contacting Andres O’Neil and Lowe Agency at 1-800-636-0983.

E-mail submissions over the Internet may not be secure and are subject to the risk of interception by 3rd parties. Please consider this before e-mailing any personal or confidential information.

Links

From time to time, Andres O’Neil and Lowe Agency may authorize Linked Web Sites to or from the Site. Linked Web Sites are controlled and operated by third parties and not by Andres O’Neil and Lowe Agency. Andres O’Neil and Lowe Agency makes no representations and disclaims all liability as to the content or material available at those locations, the accuracy of information, and the quality of products or services provided or advertised on Linked Web Sites. The fact that Andres O’Neil and Lowe Agency authorizes Linked Web Sites is not an endorsement, authorization, express or implied sponsorship, or affiliation with respect to Linked Web Sites, its owners, sponsors, or providers. Please take the time to read the privacy policies and user agreements of the Linked Web Site.

Governing Law and Location

Andres O’Neil and Lowe Agency operates the Site from its offices in Bryan, Ohio. Andres O’Neil and Lowe Agency does not represent that Content on the Site is appropriate or applicable for use in any other locations, and access from locations where the Content may be illegal is prohibited. By agreeing to these Terms of Use, you acknowledge and agree that you are accessing the Site on your own initiative, at your own risk, and are responsible for compliance with all local laws.

These Terms of Use shall be governed by and construed in accordance with the laws of the United States and the State of Ohio. For any dispute concerning the Site, you consent to exclusive jurisdiction and venue of a court of competent jurisdiction in Williams County, Ohio, and waive the defense of forum non conveniens.

Eligibility for Insurance Products and Services

Not all of the products or services described on the Site are available in all geographic areas of the United States. You may not be eligible for all of the insurance products or services described on the Site. Andres O’Neil and Lowe Agency reserves the right to determine all eligibility for such products or services in its sole discretion.

Notice of Applicability to Children

The Site is not intended for children age 13 and younger.

Copyright/Trademark

Except where otherwise indicated, all Content on the Site is the copyrighted property of Andres O’Neil and Lowe Agency and/or third party licensors. The Andres O’Neil and Lowe Agency logo, all other service marks, and the names of various products and services described within are service marks of Andres O’Neil and Lowe Agency.

Permission is hereby granted to use, copy, and distribute the Content as presented on the Site and without alteration for non-commercial purposes only, provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.

Except as expressly provided herein, you shall not use any portion of this Site, or any other intellectual property of Andres O’Neil and Lowe Agency (including, but not limited to Andres O’Neil and Lowe Agency service marks), on any other web site, in the source code of any other web site, or in any other printed or electronic materials. Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this Site’s Content or frame this Site within any other web site without our prior written permission. Systematic retrieval of data or other content from this Site to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from Andres O’Neil and Lowe Agency, is prohibited.

Visitor Submissions

By providing information or materials to this Web Site (other than personal information subject to Andres O’Neil and Lowe Agency’s Privacy Policy), you grant to Andres O’Neil and Lowe Agency an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, and transmit such information and materials for any purpose, including without limitation, disclosing any such information and materials as necessary to satisfy any law, regulation, or governmental request. You agree not to submit or transmit any e-mails or materials through the Web Site that (i) are defamatory, threatening, obscene or harassing, (ii) contain a virus, worm, Trojan horse or any other harmful component, (iii) incorporate copyrighted or other proprietary material of any third party without that party’s permission, or (iv) otherwise violate any applicable laws. Andres O’Neil and Lowe Agency shall not be subject to any obligations of confidentiality regarding any information or materials that you submit except as specified in Andres O’Neil and Lowe Agency’s Privacy Policy, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.

Contact us

For more information about our privacy practices, if you have questions or if you would like to make a complaint, please contact us by email at agency@andresins.com or by mail using the details provided below:

227 North Lynn Street, Bryan, OH 43506

Andres O’Neil & Lowe text messaging terms of use

By “Opting In” to or using a “Text Message Service” (as defined below) from Andres O’Neil & Lowe, you accept these Terms & Conditions. This agreement is subject to a waiver of class action rights as detailed below.

This agreement is between you and Andres O’Neil & Lowe or one of its affiliates. All references to ” Andres O’Neil & Lowe,” “we,” “our,” or “us” refer to Andres O’Neil & Lowe, 227 North Lynn Street, Bryan OH 43506.

Definitions

By “Opting In” to or using a “Text Message Service” (as defined below) from Andres O’Neil & Lowe, you accept these Terms & Conditions, including the waiver of class action rights as detailed below. “Opting In,” “Opt In,” and “Opt-In” refer to requesting, joining, agreeing to, enrolling in, signing up for, acknowledging, responding to, or otherwise consenting to receive one or more text messages.

“Text Message Service” includes any arrangement or situation in which we send one or more messages addressed to your mobile phone number, including text messages (such as SMS, MMS, or successor protocols or technologies).

Consenting to text messaging

By consenting to receive text messages from us, you agreed to these Text Messaging Terms and Conditions, as well as our General Privacy Policy and our SMS Privacy Policy, incorporated herein by reference.

E-Sign disclosure

By agreeing to receive text messages, you also consent to the use of an electronic record to document your agreement. You may withdraw your consent to the use of the electronic record by replying STOP.

Andres O’Neil & Lowe text message service privacy policy

We respect your privacy. We only use information you provide through this service to transmit your mobile messages and respond to you. This includes, but isn’t limited to, sharing information with platform providers, phone companies, and other vendors who assist us in the delivery of mobile messages. Mobile information will not be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. Nonetheless, we reserve the right always to disclose any information as necessary to satisfy any law, regulation or governmental request, to avoid liability, or to protect our rights or property. This Text Message Service Privacy Policy applies to your use of the Text Message Service and isn’t intended to modify our general Privacy Policy, incorporated by reference above, which may govern the relationship between you and us in other contexts. By consenting to the terms hereof you waive the right to include us in any pleading or arbitration demand or participation in any class action claims or lawsuits, and if any such pleading or arbitration demand is filed containing such claims, or if a court determines that all or any part of such waiver is ineffective, then the pleading shall be dismissed with prejudice, and no claims may otherwise be consolidated in any way with the claims of any other party.

Costs of text messages

We do not charge you for the messages you send and receive via this text message service. But message and data rates may apply, so depending on your plan with your wireless or other applicable provider, you may be charged by your carrier or other applicable provider.

Frequency of text messages

This Text Messaging Service is for conversational person-to-person communication between you and our employees. We may send you an initial message providing details about the service. After that, the number of text messages you receive will vary depending on how you use our services and whether you take steps to generate more text messages from us (such as by sending a HELP request).

Opting out of text messages

If you no longer want to receive text messages, you may reply to any text message with STOP, QUIT, END, REVOKE, OPT OUT, CANCEL, or UNSUBSCRIBE. As a person-to-person communication service, opt-out requests are specific to each conversation between you and one of our employees and their associated phone number. After unsubscribing, we may send you confirmation of your opt-out via text message.

Contact us

For support, email agency@andresins.com