Aviso de Privacidad
Términos y Condiciones / Aviso de privacidad / Política de Reembolso / Refund Policy (DM)
Last updated: January 24, 2017
Please read these Terms of Service ("Terms", "Terms of Service") carefully before using the www.nhseguros.com website (the "Service") operated by Green Road Services, LLC ("us", "we", or "our").
Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who wish to access or use the Service.
By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you do not have permission to access the Service.
Intellectual Property
The Service and its original content, features and functionality are and will remain the exclusive property of Green Road Services, LLC and its licensors. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Green Road Services, LLC.
Links To Other Web Sites
Our Service may contain links to third party web sites or services that are not owned or controlled by Green Road Services, LLC.
Green Road Services, LLC has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites. You acknowledge and agree that Green Road Services, LLC shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party web sites or services. We strongly advise you to read the terms and conditions and privacy policies of any third party web sites or services that you visit.
Governing Law
These Terms shall be governed and construed in accordance with the laws of Texas, United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.
Changes
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.
All SPEI payments will be processed using Openpay.
Contact Us
If you have any questions about these Terms, please contact us.
Aviso de Privacidad
GREEN ROAD SERVICES AND AFFILIATED COMPANIES
PRIVACY POLICY NOTICE
YOUR PRIVACY IS OUR CONCERN
We value you as a customer and we know how much privacy means to you. You will have the opportunity to review our policies for collecting, using, securing, and sharing information the first time we do business with you and every year you are a Green Road customer.
PURPOSE OF THIS NOTICE
Title V of the Gramm-Leach-Bliley Financial Modernization Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic personal information about you with a nonaffiliated third party unless the institution provides you with a notice of its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed. In compliance with the GLBA, we are providing to you this Privacy Policy Notice, which notifies you of the privacy policies and practices of Green Road Services.
OUR PRIVACY PRINCIPLES
We do not sell customer information.
We do not disclose customer information except as necessary or appropriate to provide insurance products and services, and as otherwise required by law.
We do not allow those who are doing business on our behalf to use our customer information for their own marketing purposes.
We afford our prospective and former customers the same protections as existing customers with respect to the use of personal information.
We maintain procedural, technical and physical safeguards to protect policyholder information.
INFORMATION WE MAY COLLECT
We may 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, including but not limited to those listed below.
Types of Information we may collect and from what sources:
From you; on applications for our insurance and investment products; from other policies or products you have with us; or on other forms, through telephone or in-person interviews, your Green Road Agent, and our contact centers.
From your transactions or experiences with us; such as your payment history and underwriting and claim records.
From an Internet Website that we maintain; such as information about you that will enable us to identify you as a user, including your name, a user name, a password, and password reminders.
HOW WE USE INFORMATION ABOUT YOU
We use customer information, including customer report information, to underwrite and/or rate your policies and products, process your claims, ensure proper billing, service your accounts, enhance your customer experience, and offer you other insurance and financial services products that may suit your needs.
INFORMATION DISCLOSURE
We share information about our transactions (such as the payment of a premium) and experiences (such an auto accident) with you within members of our corporate group (i.e. affiliates) and with Green Road 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 for our everyday business purposes (provided the person being disclosed information is performing a business, profession or insurance function for Green Road and such person agrees not to disclose such information further without the insured’s written authorization) and as permitted or required by law (i.e. to an insurance regulatory authority, to a law enforcement or governmental authority pursuant to law or in response to a facially valid administrative or judicial order, including a search warrant or subpoena). When information is disclosed to third parties as described above, we require recipients to adhere to appropriate confidentiality procedures and practices to protect your privacy.
CONFIDENTIALITY AND SECURITY OF YOUR INFORMATION
We educate our employees about the terms of this Notice and the importance of customer privacy. We restrict access to non-public personal information about you to those employees and others who need to know that information to provide products or services to you, to maintain your accounts, or conduct our business.
RESPONSE TO REQUEST FOR ACCESS
You have the right to access certain types of information we keep in our files about you and to receive a copy of such information. Within thirty (30) days of receipt of your request, we will inform you in writing of the nature and substance of locatable, retrievable, and available recorded personal information about you in our files. We will also identify any persons or organizations to which we have disclosed or normally would disclose this information within the past two (2) years. You may review the identified information contained in our files in person or receive a copy of such information by mail at a reasonable charge.
WRITTEN REQUEST TO AMEND, CORRECT OR DELETE DISPUTED INFORMATION
Keeping your information accurate and up to date is very important to us. You have the right to write to us in order to request that you have reasonable access to your non-public personal information. If you believe the information we collected is inaccurate you may request that we amend, correct or delete it. Within thirty (30) days of receipt of a written request, Green Road or an agent so receiving such request must correct, amend or delete the disputed information, or notify you of our refusal to do so, our reasons, and your right to file a statement of dispute if you do not agree with such refusal.
REPORT FROM INSURANCE SUPPORT ORGANIZATIONS
Information obtained from a report by an insurance-support organization may be retained by the insurance- support organization and disclosed to other persons.
SMS COMMUNICATION
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All OPT-IN requests include text messaging originator opt-in data and consent; this information will not be shared with third parties.
QUESTIONS
Because Green Road does not share information outside permitted exceptions, there is no need to take any action under this Notice. In the event you have questions about this Privacy Policy Notice, please feel free to contact us at 1-(844) 386-3118, or write to us at 1137 Key St. Houston TX 77009.
THANK YOU
On behalf of Green Road, we thank you for your business and look forward to serving you in the future.
REFUND POLICY
This policy applies to all products and services sold by Green Road Services, LLC and its affiliated companies ("us", "we", or "our").
Refunds are only issuable upon policy cancellation prior to the policy term expiration. Terms of policy cancelation are as follows:
a. This policy may not be canceled when written for a period of less than 30 days.
b. This policy may be canceled when written for a period of 30 days or more as follows:
(1) The Insured shown in the Declarations may cancel by:
(a) returning this policy to us; or (b) giving us advance written notice of the date cancellation is to take effect.
(2) We may cancel by mailing at least 10 days’ notice to the Insured shown in the Declarations at the address shown in this policy.
c. We may email any notice instead of mailing it. Proof of email of any notice shall be sufficient proof of notice.
d. If this policy is canceled, you may be entitled to a premium refund. If so, we will send you the refund promptly, The pemium refund, If any, will be computed based on the applicable underwriting guidelines.