Our Mission

We believe our first responsibility is meeting the needs of our clients. Everything we do must be conducted with the highest level of ethics and objectivity to ensure that every policy we sell is based on your best interest, not ours.

We will maintain high standards of business communications by responding to your inquiries within 24 hours – even if it takes more time to fully address your concerns. We must constantly strive to be your trusted advisor on the current and ever changing state of the health care industry, hospital and physician networks, plan benefits, formulary coverage and cost sharing.

We are responsible to our employees and contracted agents, the communities in which we live and work, and the men and women who support our business services throughout the country. We must be good citizens, show gratitude, and support good works and charities.

Privacy Policy

Effective Date: 06/19/2017

 

General

This Internet Privacy Policy describes how the TERRI YUREK INSURANCE SERVICES Group on behalf of itself and its affiliated agents treat information that it collects and acquires through the websites it owns and operates, including, without limitation, terriyurekinsurance.com, and through its other online or mobile services ("the Websites"), other than those interactions involving your medical information. All references to “TERRI YUREK INSURANCE SERVICES,” “we” or “our” in this Internet Privacy Policy includes TERRI YUREK INSURANCE SERVICES, TERRI YUREK INSURANCE SERVICES MEDICARE CENTRAL and/or any other entities that may be affiliated with the foregoing, as appropriate based on context, unless otherwise stated.

Each time you access, use and/or browse the Websites, you signify your acceptance of the then-current Internet Privacy Policy. If you do not accept this Internet Privacy Policy, you are not authorized to access, use and/or browse the Websites and you must immediately discontinue use of the Websites.

This Internet Privacy Policy does not apply to the practices of companies that TERRI YUREK INSURANCE SERVICES does not own or control, or to people whom TERRI YUREK INSURANCE SERVICES does not employ or manage.

NOTE: TERRI YUREK INSURANCE SERVICES’s Notice of Privacy Practices under HIPAA governs how medical information about you may be used and disclosed by TERRI YUREK INSURANCE SERVICES.

 

The Types of Information We Collect

TERRI YUREK INSURANCE SERVICES collects personally identifiable and non-personally identifiable information through your online interactions with TERRI YUREK INSURANCE SERVICES and the Websites.

The personally identifiable information that TERRI YUREK INSURANCE SERVICES may collect about you may include, without limitation, your first and last name, address, telephone number, date of birth, password, gender, credit or debit card number, or other payment method, billing and shipping information, order history and preferences. If you create an online account with TERRI YUREK INSURANCE SERVICES and designate an individual as an authorized user of your online account or if you have a legal guardian (each, a "Caregiver") we also may collect information provided to us regarding the Caregiver, such as the Caregiver's first and last name, and email address. 

The non-personally identifiable information that TERRI YUREK INSURANCE SERVICES collects about you is aggregated or otherwise does not link to personal contact information, and may include, without limitation, your Internet Protocol (“IP”) address, Collection Technology information (as described below), the pages you request, type of device you use, the operating system you use (e.g., Microsoft Windows, Mac OS or Google Chrome OS), the type and version of browser you use (e.g., Firefox, Chrome, Internet Explorer or Safari), your activities while visiting the Websites and the content you access or view when using same, the time of your visit, the pages you visit and the time spent, your general geographic location such as the city from which your device is connecting to the Internet, information regarding the Websites you visit prior to and after visiting the Website, and information regarding your age, gender and interests with respect to products and services.

How We Collect Information

TERRI YUREK INSURANCE SERVICES and/or its Service Providers may collect personally identifiable information that you voluntarily provide to TERRI YUREK INSURANCE SERVICES through your online interactions with TERRI YUREK INSURANCE SERVICES and the Websites, such as:

  • Signing up for an email newsletter through the Websites;
  • Registering/signing up for classes, seminars, meetings or other events;
  • Filling out an online form on the Websites to request information;
  • Contacting TERRI YUREK INSURANCE SERVICES customer service or support, or providing feedback to TERRI YUREK INSURANCE SERVICES;
  • Creating an online account; and
  • Placing an order or transacting business with TERRI YUREK INSURANCE SERVICES or its Service Providers.

TERRI YUREK INSURANCE SERVICES and/or its Service Providers may collect non-personally identifiable information through your accessing, using and browsing of the Websites, and other online interactions with TERRI YUREK INSURANCE SERVICES and the Websites, in a variety of ways, such as:

  • server log files, which automatically record certain non-personally identifiable information on server logs;
  • cookies, web beacons, pixels, gifs, tags and other technologies that collect information in similar ways ("Collection Technology"), which may store a piece of data on your browser or device, or may identify, compile, aggregate and/or collect information through other means;
  • other information that you voluntarily provide, if the portion of such information that personally identifies you or any other user is removed and/or if the information is aggregated ("De-Identified Data"); and
  • Google Analytics, a web analytics service provided by Google, Inc., as described below.

When you visit the Websites, your browser or device may be exposed to Collection Technology which may be stored on your browser or device.  You may delete and/or refuse the use of certain Collection Technology by selecting the appropriate settings on your browser.  You may use the Websites even if you choose to refuse or delete such Collection Technology; however, please note that this may affect your ability to use the full functionality of the Websites.

The Websites may use Google Analytics, which uses Collection Technology to collect and store anonymous information about you, which may include the non-personally identifiable information described above. You can read Google Analytics’ privacy policy at http://www.google.com/analytics/learn/privacy.html and Google

 

Analytics Terms of Use at http://www.google.com/analytics/tos.html. The Websites may use the “Demographics and Interest Reporting” feature of Google Analytics to analyze information regarding the interests and demographics of users of the Websites, which information may be obtained from inferences based upon the websites you visit, third party data, information you share on other websites, social media platforms and applications, or demographics derived from profiles or accounts that you create, to the extent permitted in their privacy policies. You can opt-out from being tracked by Google Analytics in the future by downloading and installing Google Analytics Opt-out Browser Add-on for your current web browser at https://tools.google.com/dlpage/gaoptout.

Except as otherwise specified in this Internet Privacy Policy, TERRI YUREK INSURANCE SERVICES does not alter the practices detailed herein based upon your selection of the “Do Not Track” setting or other “opt out” setting or feature that may be offered by your browser; however, TERRI YUREK INSURANCE SERVICES reserves the right to do so in the future. 

TERRI YUREK INSURANCE SERVICES may combine or verify information collected or acquired through the Websites with information you provide in your offline interactions with TERRI YUREK INSURANCE SERVICES. If the combined or verified information permits us to contact you online or offline, we will treat the combined information as personal information.

How We Use Information We Collect

TERRI YUREK INSURANCE SERVICES may use your personally identifiable information to provide you with access to your online account; improve your web experience; complete your registration to participate in classes, seminars, meetings and other events; administer surveys; send you newsletters or information or contact you via e-mail, postal mail or telephone about your request for information, our services, offers and news that may be of interest to you, and participation in classes, seminars, meetings and other events; respond to your communications; communicate with you about our services; contact your Caregiver; provide you with customer service and support; and attend to tasks relating to your transactions with TERRI YUREK INSURANCE SERVICES.

TERRI YUREK INSURANCE SERVICES may use your non-personally identifiable information in any way it wishes, including, without limitation, to administer and improve the Websites; analyze website trends and how the Websites are used; improve navigation of the Websites; analyze the performance of the Websites and diagnose problems; improve the products and services we offer; analyze and develop advertisements and advertising campaigns; and provide you with special offers and promotions and determine their effectiveness.

Disclosures to Third Parties

TERRI YUREK INSURANCE SERVICES does not share, sell or rent any of your personally identifiable information that we collect, except with your consent or as described in this Internet Privacy Policy. We do not share, sell or rent personally identifiable information to third parties for their direct marketing purposes. We may share personally identifiable information with our affiliates and third parties who work on behalf of or with us, those whom we engage to perform services on our behalf, under confidentiality or similar agreements including, without limitation, shippers, vendors, agents, consultants and affiliates (“Service Providers”). These Service Providers may use your personally identifiable information to help TERRI YUREK INSURANCE SERVICES administer its business or the Websites, including, without limitation, to assist in administering and processing payments, printing and shipping ID cards to TERRI YUREK INSURANCE SERVICES members, fulfilling orders, shipping and confirming orders, hosting the Websites, communicating with you about offers or other information relevant to TERRI YUREK INSURANCE SERVICES, and/or to perform the other tasks that TERRI YUREK INSURANCE SERVICES may use personally identifiable information for under this Internet Privacy Policy.

TERRI YUREK INSURANCE SERVICES may share personally identifiable information about you in response to or to cooperate with law enforcement, government requests, subpoenas, court orders or legal process; to respond to your requests for customer service or other information; to enforce the Websites' Terms of Use; to establish or exercise our legal rights or defend against legal claims; or to protect the safety or property of TERRI YUREK INSURANCE SERVICES or others. TERRI YUREK INSURANCE SERVICES also may share information about you if TERRI YUREK INSURANCE SERVICES believes it is necessary to share information to investigate, prevent or take action regarding illegal activities, suspected fraud, and situations involving potential threats to the physical safety of any person, or as otherwise required or permitted by law. TERRI YUREK INSURANCE SERVICES also reserves the right to transfer personally identifiable information to any TERRI YUREK INSURANCE SERVICES affiliate or a third party in the event of any reorganization, merger, sale, joint venture, assignment, transfer or disposition of all or any portion of our business or operations (including, without limitation, in connection with bankruptcy or any similar proceedings).

TERRI YUREK INSURANCE SERVICES may share non-personally identifiable information with third parties and Service Providers that TERRI YUREK INSURANCE SERVICES reasonably believes need such information or to perform the other tasks that TERRI YUREK INSURANCE SERVICES may use non-personally identifiable information for under this Internet Privacy Policy, as well as under the circumstances described in the preceding paragraph. If De-Identified Data is shared, we will ask our contracting parties to agree to keep such data in its de-identified and/or aggregated form.

Protection of Personally Identifiable Information

TERRI YUREK INSURANCE SERVICES stores information using industry standard, reasonable and technically feasible physical, technical and administrative safeguards against foreseeable risks, such as unauthorized access. Please be aware that the Websites and data storage are run on software, hardware and networks, any component of which may, from time to time, require maintenance or experience problems or breaches of security beyond TERRI YUREK INSURANCE SERVICES’s control. TERRI YUREK INSURANCE SERVICES is not responsible for the acts and omissions of any third parties.

TERRI YUREK INSURANCE SERVICES cannot guarantee the security of the information on and sent from the Websites. No transmission of data over the Internet is guaranteed to be completely secure. It may be possible for third parties not under the control of TERRI YUREK INSURANCE SERVICES to intercept or access transmissions or private communications unlawfully. While we strive to protect your personally identifiable information, neither TERRI YUREK INSURANCE SERVICES nor any of our Service Providers can ensure or warrant the security of any information you transmit to us over the Internet. Any such transmission is done at your own risk.

Correcting or Removing Your Personally Identifiable Information

To review your personally identifiable information collected by TERRI YUREK INSURANCE SERVICES, please send your request, to info@terriyurekinsurance.com.

 

If you received an email from TERRI YUREK INSURANCE SERVICES and want to unsubscribe, please let us know by following the applicable instructions that are included in the email you received. Please note that such requests may take up to ten (10) days to become effective. You may not decline to receive or unsubscribe from communications regarding your transactions, dealings with TERRI YUREK INSURANCE SERVICES or the Websites, or technical information about the Websites.

Children

The Websites are directed to persons 18 years of age or older, and is not directed to persons under 18 years old. The Websites and TERRI YUREK INSURANCE SERVICES do not knowingly collect information from persons under age 18.

 

Links

On the Websites, you may have the opportunity to follow a link to other websites that may be of interest to you. TERRI YUREK INSURANCE SERVICES endeavors to link only to reputable organizations. Because these other websites may not be hosted or controlled by TERRI YUREK INSURANCE SERVICES, we are not responsible for the privacy practices of those websites or the content provided thereon. Collection Technology also may be used by some of those other websites. Therefore, the privacy policies for these websites differ from those applicable to the Websites. We encourage you to review the privacy policies of each of those other websites. This Internet Privacy Policy only applies to information collected and maintained by or on behalf of TERRI YUREK INSURANCE SERVICES. 

Changes to This Internet Privacy Policy

The Internet Privacy Policy may be revised from time to time as we add new features and services, as laws change, and as industry privacy and security best practices evolve. We display an effective date on the upper left corner of the Internet Privacy Policy (“Effective Date”) for you to know when there has been a change. You should check the Internet Privacy Policy on a regular basis for the most current privacy practices. Each time you access, use or browse the Websites, you signify your acceptance of the then-current changes to the Internet Privacy Policy applying to your personally identifiable information collected by us on and from the effective date of such changes. Any changes in the Internet Privacy Policy will take effect upon posting, but material changes will not apply to information collected from you before the Effective Date, unless we provide notice or have other communications with you.

Governing Law

This Internet Privacy Policy shall be governed by, and will be construed under, the laws of the State of California, U.S.A., without regard to choice of law principles. Those who choose to access the Websites from locations outside of the United States do so on their own initiative, and are responsible for compliance with local laws if and to the extent local laws are applicable, including without limitation, all applicable laws, rules and regulations regarding the transmission of data exported from the United States or the country in which you reside. TERRI YUREK INSURANCE SERVICES may limit the Websites' availability, in whole or in part, to any person, geographic area or jurisdiction, at any time in its sole discretion.

Personally identifiable information collected through the Websites and other aspects of TERRI YUREK INSURANCE SERVICES’s business may be stored and processed in the United States.

Contact Us

If you have any questions about this Internet Privacy Policy or the Websites, please contact us at info@terriyurekinsurance.com. Please note that email communications may not be secure. Accordingly, you should consider this if you include personal or other sensitive information in your email correspondence to the Websites or TERRI YUREK INSURANCE SERVICES.

 

Terms of Use

 Effective Date: 06/19/2017

General
Welcome to the websites owned and operated by TERRI YUREK INSURANCE SERVICES Group on behalf of itself and its affiliated entities, which include TERRI YUREK INSURANCE SERVICES Health Plan and TERRI YUREK INSURANCE SERVICES's other online locations (the "Websites"). All references to "TERRI YUREK INSURANCE SERVICES," "we" or "our" in these Terms of Use include TERRI YUREK INSURANCE SERVICES Group, TERRI YUREK INSURANCE SERVICES Health Plan and/or any other entities that may be affiliated with the foregoing, as appropriate based on context, unless otherwise stated. The "Websites" include, without limitation, www.Terri Yurek Insurance Serviceshealthplan.com.

Please carefully read the following Terms of Use before using the Websites. By accessing, using and/or browsing the Websites, you acknowledge that you have read, understood and agree to be bound by these Terms of Use which form an agreement that is effective as if you had signed it. If at any time you do not agree to these Terms of Use, please do not access, use or browse the Websites or any of its content.

THESE TERMS OF USE DESCRIBE CERTAIN RULES AND PROHIBITIONS THAT APPLY TO YOUR ACCESS TO, USE AND BROWSING OF THE WEBSITES, WHICH IS SUBJECT TO THE ALL THE TERMS CONTAINED IN THESE TERMS OF USE. BY ACCESSING, USING AND/OR BROWSING THE WEBSITES, YOU ARE AGREEING TO THESE TERMS OF USE, TERRI YUREK INSURANCE SERVICES'S INTERNET PRIVACY POLICY AND ALL APPLICABLE LAWS AND REGULATIONS. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, YOUR PERMISSION TO ACCESS, USE AND/OR BROWSE THE WEBSITES IS AUTOMATICALLY AND IMMEDIATELY REVOKED.

Some areas of the Websites, such as specific sections offering features and functionality for caregivers, providers, agents or brokers, may be subject to additional terms and conditions that will be specified in those sections.

The information contained in the Websites are not meant to replace the advice of or treatment by health care professionals. Always contact a qualified health care professional for any medical symptoms or medical conditions. Never disregard professional health care advice or delay in seeking it because of something you have read on the Websites.

If this is an emergency, call 911 or go to the nearest hospital.

Updates and Changes
TERRI YUREK INSURANCE SERVICES may make changes or updates to the Websites, including these Terms of Use, from time to time, without notice to you. Any changes or updates to these Terms of Use will be effective when posted on the Websites and apply to your access, use and browsing of the Websites on and after the Effective Date. Accordingly, you should check these Terms of Use regularly for changes and updates. You can determine when these Terms of Use were last revised by referring to the Effective Date at the top of this page. Each time you access, use or browse the Websites, you signify your acceptance of and continued agreement to the then-current Terms of Use.

Age Restrictions
The Websites are directed to persons 18 years of age or older, and are not directed to persons under 18 years old. The Websites and TERRI YUREK INSURANCE SERVICES do not knowingly collect information from persons under age 18.

Use of Website
You acknowledge and agree that, as between TERRI YUREK INSURANCE SERVICES and you, all right, title and interest in and to the Websites and all materials on the Websites, including, without limitation, the Websites' text, graphics, logos, icons, images, information, material, content, design, layout, and organization (collectively, the "Material"), and any patents, copyrights, trademarks, trade secrets, inventions, know-how and all other intellectual property rights, are owned and copyrighted by, and the sole and exclusive property of, TERRI YUREK INSURANCE SERVICES or its suppliers, vendors or licensors; and are valid and enforceable, and are protected by U.S. and international copyright law. Any rights not expressly granted by these Terms of Use are reserved by TERRI YUREK INSURANCE SERVICES.

You are authorized to view, print, and download Material solely for your personal, noncommercial use and solely for its intended purposes. You agree not to create derivative works of any Materials, and not to sell, lease, license, repurpose, modify, display, perform or otherwise use, including, without limitation, reproduce, duplicate, distribute, transmit, republish, copy, or exploit, the Material or derivative works thereof for any public or commercial purpose, unless specifically authorized in writing by TERRI YUREK INSURANCE SERVICES.

You must keep all copyright and other intellectual property or proprietary notices, acknowledgements, credits, marks or logos contained on any Material printed or downloaded, and may not remove, obscure or modify same.

You will not use the Websites in violation of any laws including, without limitation, those pertaining to the fraud and abuse or anti-kickback provisions of the federal Medicare and Medicaid laws. You agree not to access the Websites by any means other than through a standard web browser.

Links and Linkage Policy
The Websites may display or link to content that we do not own or control, which is provided solely as a convenience. The linked websites are operated by third parties and the links, content products and/or services provided thereon is the sole responsibility of the entity that owns and operates them. You should review the privacy statement and any terms of use of each third party website you visit. Your use of the linked websites is at your own risk. Unless specified otherwise, links to third party websites do not constitute or imply responsibility for or endorsement by TERRI YUREK INSURANCE SERVICES of those websites, the information they contain or any products or services they describe. We do not receive payment or other remuneration in exchange for your clicking on a link. Written permission is required from TERRI YUREK INSURANCE SERVICES to create a link from an external website to the Websites or any pages within the Websites, and if written permission is granted you agree to take down the link should TERRI YUREK INSURANCE SERVICES revoke its permission at any time.

 

Products and Services Offerings
The product and/or services descriptions provided on the Websites are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable regulations and in many instances may be offered only through employers or other plan sponsors. Specific products may not be available in both self-funded and insured forms.

Covered services and preferred benefits are provided under the terms of the applicable plan contract, including any limitations and exclusions.

Anyone interested in a particular product should contact their TERRI YUREK INSURANCE SERVICES representative to determine whether the product and/or service is available in their area, and to request a copy of the applicable policy for a complete description of the product and/or service in question.

Caregiver Access
TERRI YUREK INSURANCE SERVICES allows you to authorize a designated individual to become an authorized user of your online account ("Caregiver"). To designate a Caregiver, you may be asked to provide certain information regarding such individual, such as the first and last name of the proposed Caregiver, and an email address for the proposed Caregiver. If you provide the requested information, the individual designated therein will receive an email from TERRI YUREK INSURANCE SERVICES notifying them of your designation of them as your Caregiver. TERRI YUREK INSURANCE SERVICES also may designate an individual as your Caregiver, if such individual is your legal guardian. To create an online account, the Caregiver may be asked confirm his or her consent to these Terms of Use and the Internet Privacy Policy, and to provide certain information, which may include the Account Details and other information specified in the preceding paragraph. Once the Caregiver successfully creates an online account or gains access to an existing online account, such Caregiver will have the ability to view your member information and other information as it appears on your online account, and to manage certain aspects of your online account. TERRI YUREK INSURANCE SERVICES reserves the right to qualify, remove or add credentials for Caregivers at any time.

 

Termination
TERRI YUREK INSURANCE SERVICES may, at its sole discretion, immediately and without notice, suspend or terminate your use or any user's use of the Websites or any portion thereof, including, without limitation, your online account, or block your or any user's access to information available via the Websites, at any time for any reason. You agree that TERRI YUREK INSURANCE SERVICES shall not be liable to you or any third party for any such suspension or termination.

Accuracy of Information
Although we regularly validate and maintain the Websites, we can make no guarantees as to their correctness, completeness, or accuracy. The Websites may contain typographical errors, inaccuracies, or other errors or omissions. Unauthorized additions, deletions, or alterations could be made to the Websites by third parties without our knowledge. If you believe that information found on the Websites is inaccurate or unauthorized, please inform us by contacting info@terriyurekinsurance.com

Privacy and Security
The privacy and security of your protected health information is very important to us. For more information, please review our HIPAA Notice of Privacy Practices to understand our practices regarding the privacy and security of your protected health information.
TERRI YUREK INSURANCE SERVICES also recognizes the importance of protecting information about you that is collected or acquired through the Websites. For more information, please review our Internet Privacy Policy, to understand our practices regarding the treatment of information about you that is collected or acquired through the Websites. If you do not agree with the TERRI YUREK INSURANCE SERVICES Internet Privacy Policy, you are not authorized to use the Websites. The terms of the Internet Privacy Policy are incorporated herein by this reference.

Disclaimer
THE WEBSITES (INCLUDING, WITHOUT LIMITATION, ANY MATERIAL, ITS CONTENT AND INFORMATION, AND ALL WEBSITES RELATED SERVICES) IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, TERRI YUREK INSURANCE SERVICES AND ITS LICENSORS, SUPPLIERS AND RELATED PARTIES DISCLAIM ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, FREEDOM FROM COMPUTER VIRUS, UNINTERRUPTED AVAILABILITY, NON-INFRINGEMENT, OR IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE. Without limiting the foregoing you are responsible for taking all necessary precautions to insure that any Material or access to the Websites is free of viruses or other harmful code. The data set forth herein is for informational purposes only, and no warranty is made that the information is error-free. Please note that once you leave the Websites, either by using a link we may have provided for your convenience or by specifying your own destination, TERRI YUREK INSURANCE SERVICES accepts no responsibility for the content, products and/or services provided at any third-party locations or websites. TERRI YUREK INSURANCE SERVICES does not control, endorse, promote or have any affiliation with any other website unless expressly stated on the Websites. You acknowledge and agree that TERRI YUREK INSURANCE SERVICES shall not be responsible or liable, directly or indirectly, for any damage, loss or other claim caused or alleged to be caused by or in connection with access to, use of or reliance on any content, material or information available on or through any other website or resource.

Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL TERRI YUREK INSURANCE SERVICES OR ITS SUPPLIERS OR VENDORS OR LICENSORS OR OTHER RELATED PARTIES, INCLUDING, WITHOUT LIMITATION, THEIR RESPECTIVE AFFILIATES, AGENTS, REPRESENTATIVES, SUCCESSORS AND ASSIGNS, BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, OR ANY DAMAGES WHATSOEVER, RESULTING FROM ANY LOSS OF USE, LOSS OF DATA, LOSS OF PROFITS, BUSINESS INTERRUPTION, LITIGATION, OR ANY OTHER PECUNIARY LOSS, WHETHER BASED ON BREACH OF CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), PRODUCT LIABILITY, STRICT LIABILITY OR ANY OTHER THEORY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE WEBSITES, THE USE OR PERFORMANCE OF THE WEBSITES (INCLUDING, WITHOUT LIMITATION, ITS MATERIAL, INFORMATION, CONTENT AND ALL WEBSITE RELATED SERVICES), THE DELAY OR INABILITY TO USE THE WEBSITES (INCLUDING, WITHOUT LIMITATION, ITS CONTENT AND ALL WEBSITE RELATED SERVICES), OR THE PROVISION OF OR FAILURE TO MAKE AVAILABLE ANY INFORMATION, SERVICES, PRODUCTS, MATERIALS, OR OTHER RESOURCES CONTAINED ON OR ACCESSIBLE THROUGH THE WEBSITES (INCLUDING, WITHOUT LIMITATION, ITS CONTENT AND ALL WEBSITE RELATED SERVICES), EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TERRI YUREK INSURANCE SERVICES, ITS SUPPLIERS, VENDORS, LICENSORS AND OTHER RELATED PARTIES, INCLUDING, WITHOUT LIMITATION, THEIR RESPECTIVE AFFILIATES, AGENTS, REPRESENTATIVES, SUCCESSORS AND ASSIGNS, DISCLAIM ALL SUCH LIABILITY TO THE MAXIMUM EXTENT PERMITTED BY LAW. THE FOREGOING LIMITATIONS SHALL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OR THE EXISTENCE OF ANY LIMITED REMEDY. WITHOUT LIMITING THE FOREGOING, THE MAXIMUM AGGREGATE LIABILITY OF TERRI YUREK INSURANCE SERVICES ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OF USE OR THE WEBSITES OR THE MATERIALS, INFORMATION, CONTENT, PRODUCTS OR SERVICES ON OR THROUGH THE WEBSITES SHALL NOT EXCEED FIFTY DOLLARS (U.S.). 
THE LIMITATIONS SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THESE TERMS OF USE AND THE WEBSITE WOULD NOT BE PROVIDED TO YOU ABSENT SUCH LIMITATIONS.

Exclusions and Limitations: Because some jurisdictions do not allow limitations on how long an implied warranty lasts, or the exclusion or limitation of liability for consequential or incidental damages, the above limitations may not apply to you. This Limitation of Liability shall be to the maximum extent permitted by applicable law.

Indemnification
YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD TERRI YUREK INSURANCE SERVICES, ITS SUPPLIERS, VENDORS, LICENSORS, AND THEIR RELATED PARTIES, INCLUDING, WITHOUT LIMITATION, THEIR RESPECTIVE, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, SUBSIDIARIES, SERVICES PROVIDERS, SUCCESSORS, ASSIGNS, AND OTHERS ACTING IN CONCERT WITH ANY OF THE FOREGOING, HARMLESS FROM ANY LIABILITY, LOSS, CLAIM, DEMAND AND EXPENSE (INCLUDING, WITHOUT LIMITATION, REASONABLE ATTORNEYS' FEES) MADE BY YOU, OR ON YOUR BEHALF BY ANY THIRD PARTY DUE TO, ARISING OUT OF, RELATED TO OR IN CONNECTION WITH (A) YOUR VIOLATION OF THESE TERMS OF USE, ANY APPLICABLE LAWS, OR THE RIGHTS OF TERRI YUREK INSURANCE SERVICES OR ANY THIRD PARTY; OR (B) YOUR CONNECTION OR SUBMISSION TO OR USE OF THE WEBSITES OR THE MATERIALS.

Copyright Infringement Claims
TERRI YUREK INSURANCE SERVICES respects the intellectual property of others. If you believe that your work has been copied on any of the Websites in a way that constitutes copyright infringement or your intellectual property rights have otherwise been violated, please provide the following information:
an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
a description of the copyrighted work or other intellectual property that you claim has been infringed; 
a description of where the material that you claim is infringing is located on the Websites (providing URL(s) in the body of an email is the best way to help TERRI YUREK INSURANCE SERVICES locate content quickly); 
your name, address, telephone number, and email address; 
a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; 
a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright or other intellectual property owner or authorized to act on the copyright owner's behalf. 
Such information should be sent to the following email address: info@terriyurekinsurance.com

Modifications to this Website
TERRI YUREK INSURANCE SERVICES reserves the right at any time and from time to time to modify, suspend, or discontinue, temporarily or permanently, the Websites, or any portion thereof, with or without notice. You agree that TERRI YUREK INSURANCE SERVICES will not be liable to you or to any third party for any modification, suspension, or discontinuance of the Websites.

Notice Required by California Law
Pursuant to California Civil Code Section 1789.3, users are entitled to the following specific consumer rights notice:

The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Boulevard, Suite S202, Sacramento, CA 95834 or by telephone at (916) 574-7950 or (800) 952-5210.

Governing Law and Disputes
You agree that any dispute between you and TERRI YUREK INSURANCE SERVICES arising out of or relating to these Terms of Use, the Internet Privacy Policy, the Websites or any Material will be decided only by arbitration, individually and not on a class-wide basis. You knowingly waive any right to participate in any form of "class," "joint" or "representative" litigation (including in any "private attorney general capacity") against TERRI YUREK INSURANCE SERVICES. The laws of the State of California, U.S.A., without regard to choice of law principles, shall apply to any dispute between us, except as to matters relating to arbitration, which shall governed by the Federal Arbitration Act. Any arbitration will be administered by the American Arbitration Association and will take place in Los Angeles County, California, U.S.A.
The Websites are controlled within the United States of America and directed to individuals residing in the United States. Those who choose to access the Websites from locations outside of the United States do so on their own initiative, and are responsible for compliance with local laws if and to the extent local laws are applicable. TERRI YUREK INSURANCE SERVICES does not represent that the Websites or any Material are appropriate outside the United States of America. TERRI YUREK INSURANCE SERVICES reserves the right to limit the availability of the Websites to any person, geographic area or jurisdiction at any time in its sole discretion.

Force Majeure
TERRI YUREK INSURANCE SERVICES shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control or unforeseen circumstances such as acts of nature or God, fire, flood, earthquake, accidents, strikes, war, terrorism, governmental act, failure of or interruption in common carriers (including, without limitation, Internet service providers and web hosting providers) or utilities, or shortages of transportation facilities, fuel, energy, labor or materials.

Miscellaneous
These Terms of Use and the Internet Privacy Policy set forth the entire understanding and agreement between you and TERRI YUREK INSURANCE SERVICES with respect to the subject matter hereof. If any provision of these Terms of Use or the Internet Privacy Policy is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of these Terms of Use or the Internet Privacy Policy shall remain in full force and effect. Headings are for reference only and in no way define, limit, construe or describe the scope or extent of such section. TERRI YUREK INSURANCE SERVICES's failure to act with respect to any failure by you or others to comply with these Terms of Use or the Internet Privacy Policy does not waive its right to act with respect to subsequent or similar failures. You may not assign or transfer these Terms of Use or the Internet Privacy Policy or your rights or obligations under these Terms of Use or the Internet Privacy Policy without the prior written consent of TERRI YUREK INSURANCE SERVICES, and any assignment or transfer in violation of this provision shall be null and void. There are no third party beneficiaries to these Terms of Use or the Internet Privacy Policy.

Questions?
Please direct any questions you may have about these Terms of Use, technical questions or problems with the Websites, or comments or suggestions to TERRI YUREK INSURANCE SERVICES at info@terriyurekinsuranceservices.com