Privacy Policy

Confidential Information

In compliance with HIPAA regulations, all information, documentation, records, files and data in any form or medium whatsoever disclosed or made available by provider or its producers to recipient or its producers or affiliates, including without limitation to provider’s benefit programs, policies, consulting compensation, and vendor agreements, and copies of material relating to such, as well as all data and information derived from such information and material; and the existence of discussions concerning the potential transactions between provider and recipient are considered confidential information and may not be conveyed or disseminated through any medium without the direct approval and knowledge of the afore mentioned parties. Recipient acknowledges that information that is not novel or copyrighted may nonetheless be confidential information.

Our Internet Policy for client privacy.

Your personal details will remain private and confidential. We will never sell, rent, barter or share your personal details in any way with any other company. All data collected is for our internal use only.

We will NEVER send you any unsolicited e-mail. If you choose to subscribe to our free monthly newsletter, you will receive your newsletter once every month. Hassle-free Unsubscribing details will always be shown on the newsletter.

If you choose not to receive our free monthly newsletter, we will only contact you to answer your questions or offer updated policy information.

Terms & Conditions

The terms and conditions that apply to your use of www.ubinsurance.com (the “Web Site”). By using the Web Site (other than to read this page for the first time), you agree to comply with all of the Terms of Use set forth herein. The right to use the Web Site is personal to you and is not transferable to any other person or entity.

Bounding of Coverage

No Insurance coverage will be bound by email. Only requests of contact can be made via email

Copyrights & Trademarks

All materials contained on the Web Site are Copyright © 2008 Universal Business Insurance AND, where applicable, the owner of products and services herein advertised. All rights reserved.

No person is authorized to use, copy, transfer, reproduce or distribute any portion the Web Site in part or in whole, including related graphics.

Universal Business Insurance and other trademarks and/or service marks (including logos and designs) found on the Web Site are trademarks/service marks that identify Universal Business Insurance and the goods and/or services provided by Universal Business Insurance. Such marks may not be used under any circumstances without the prior written authorization of Universal Business Insurance.

Links to Third-Party Web Site

Universal Business Insurance may provide hyperlinks to third-party web sites as a convenience to users of the Web Site. Universal Business Insurance does not control third-party web sites and is not responsible for the contents of any linked-to, third-party web sites or any hyperlink in a linked-to web site. Universal Business Insurance does not endorse, recommend or approve any third-party web site hyperlinked from the Web Site.

Universal Business Insurance will have no liability to any entity for the content or use of the content available through such hyperlink.

No Representations or Warranties; Limitations on Liability

The information and materials on the Web Site could include technical inaccuracies or typographical errors. Changes are periodically made to the information contained herein. Universal Business Insurance MAKES NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO ANY INFORMATION, MATERIALS OR GRAPHICS ON THE WEB SITE, ALL OF WHICH IS PROVIDED ON A STRICTLY “AS IS” BASIS, WITHOUT WARRANTY OF ANY KIND AND HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES WITH REGARD TO ANY INFORMATION, MATERIALS OR GRAPHICS ON THE WEB SITE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. UNDER NO CIRCUMSTANCES SHALL THE SITE OWNER OR PUBLISHER BE LIABLE UNDER ANY THEORY OF RECOVERY, AT LAW OR IN EQUITY, FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION, SPECIAL, DIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING, BUT NOT LIMITED TO LOSS OF USE OR LOST PROFITS), ARISING OUT OF OR IN ANY MANNER CONNECTED WITH THE USE OF INFORMATION OR SERVICES, OR THE FAILURE TO PROVIDE INFORMATION OR SERVICES, FROM THE WEB SITE.

Changes to These Terms of Use

Universal Business Insurance reserves the right to change these Terms of Use at any time by posting new Terms of Use at this location.