Legal Agreements - Disclaimer, Privacy Statement, Terms & Conditions

 

Welcome to our website. This document contains both our Privacy Policy and our Terms & Conditions. By using our website or submitting an intake form, you agree to all terms outlined below.

Disclaimer

Your insurance coverage cannot be bound, altered or modified by sending an email, voice mail or fax. Coverage changes require you to contact your agent and exchange information with your agent's knowledge.

This website is designed to only supply general information for your use. While the information on this site is accurate to the best of our knowledge, we do not guarantee the accuracy, usefulness or completeness of any resources, product information or process accessed through this site and are not responsible for any errors or omissions this information may cause. It is your responsibility to check that any information is accurate before using it.

Through this website you are able to link to other websites which are not under our control. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

PART 1: PRIVACY POLICY

Purpose of Policy Notice

Morency & Associates, Inc. respects your right to privacy and values you as a customer. Our goal is to treat any personal information you provide with the utmost respect and created this privacy policy to show you we are working hard to protect your privacy. We adhere to these principles for gathering and sharing customer information:

1. Information We Collect
We collect top-of-funnel, non-sensitive personal information strictly necessary to facilitate an insurance quote request. This includes:

  • Contact Data: Name, address, email address, and phone number.
  • Risk/Property Data: Address, General zip code, property type, or commercial industry details.
  • Note: We do not collect Social Security numbers, driver’s licenses, vehicle identification numbers (VINs), medical histories, or bank account credentials.

2. How We Secure and Store Data
All data is captured securely via 256-bit SSL encryption using our data intake vendor, Jotform, and stored across secure, encrypted cloud-hosting environments. We do not engage in behavioral tracking, data profiling, or targeted ad-retargeting campaigns. We also use a Secure Sockets Layer (SSL). This keeps all information confidential when it is sent between our website and your computer.

3. Permitted Third-Party Disclosures
We share your submitted details strictly with licensed Property & Casualty (P&C) insurance carriers and their authorized underwriters to compile the insurance quote you requested. We do not sell or lease consumer data to unaffiliated third-party marketing companies. We exchange customer information with non-affiliated entities, only to the extent required or permitted by law, for underwriting, administrative, or risk management purposes, verification, and to detect or prevent fraud. Third-party business partners are bound by law to use the information only for our purposes. They may not disclose it or use it in any other way.

4. Business Transitions & Asset Sales
In the event that our parent S-corporations undergo a corporate transition—such as a merger, corporate restructuring, acquisition by another company, or asset sale of all or a portion of our insurance book and digital lead platforms—consumer contact databases and submission histories will be legally assigned and securely transferred to the acquiring entity as an active business asset. Your personally identifiable information (PII) will likely be among the assets transferred.

5. Visitor Data
When you visit and browse our website, our Web servers automatically collect and store: domain name and host you use to access the Internet, the Internet protocol (IP) address of the computer you are using, browser software you use and operating system, the date and time you access our sites, and the Internet address of the site from which you linked directly to one of our sites.
Gathering data on the website is a standard industry practice and is used to find out how visitors use our site. We collect aggregate information on the public areas of our Web site. We also collect information on an individual basis on areas of our website that require visitors to logon using an ID and password. We may collect the following data:

  • How many people visit our website
  • The pages they visit and the features they use
  • How long they stay on our website
  • The website people come from before reaching our website

Use of "Cookies"
A cookie is a tiny piece of information required to create and maintain a secure session. Cookies let you request information and do business online. A cookie or third-party tracking utility which may set cookies, is used to help us measure web site statistics like number of visits, time spent, page views, and other figures that could make the site more useful. Cookies cannot be used to collect information from your hard drive or obtain your email or other personal data about you.

E-mail
We keep the e-mail you send to us. If you agree to receive e-mail messages from us, we will keep the information you give us to send e-mail of specific interest to you. If you choose to send us e-mail, we keep your e-mail, your e-mail address, and our reply. Please be careful about the information you give us in e-mail. As with any public website, this communication may not be secure.

Social Media
By posting any comments, posts or other material on Morency & Associates, Inc. social media accounts or affiliated websites, you give Morency & Associates, Inc. the irrevocable right to reproduce, distribute, publish, display, edit, modify, create derivative works from, and otherwise use your submission for any purpose in any form and on any media. You also agree that you will not:

  • Post material that infringes on the rights of any third party, including intellectual property, privacy or publicity rights.
  • Post material that is unlawful, obscene, defamatory, threatening, harassing, abusive, slanderous, hateful, or embarrassing to any other person or entity as determined by Morency & Associates, Inc. in its sole discretion.
  • Post advertisements or solicitations of business.
  • Post chain letters or pyramid schemes.
  • Impersonate another person.
  • Allow any other person or entity to use your identification for posting or viewing comments.
  • Post the same note more than once or "spam."

Morency & Associates, Inc. reserves the right (but is not obligated) to do any or all of the following:

  • Remove communications that are abusive, illegal or disruptive, or that otherwise fail to conform to these Terms and Conditions.
  • Terminate a user's access to the social media presence(s) upon any breach of these Terms and Conditions.
  • Edit or delete any communications posted on the social media presence(s), regardless of whether such communications violate these standards.

External Links
This site may contain links to other sites not affiliated with Morency & Associates, Inc. and/or related affiliates/subcontractors. Morency & Associates, Inc. is not responsible for the collection, use, privacy practices, security of information by companies, or the content of such non-affiliated linked web sites. Please read the privacy policy of websites reached through links from the Morency & Associates, Inc. websites.

Changes to Privacy Policy
This Privacy Policy may be updated from time to time so you may want to check it each time you visit our websites.

PART 2: TERMS & CONDITIONS

1. No Binding Quote or Coverage Guarantee
Submitting an intake form through this website does not bind, alter, issue, or guarantee an active insurance policy. All coverage requests are subject to carrier underwriting approval. No insurance coverage is implied or active until you receive formal, written binders from an authorized insurance producer.

2. Intellectual Property & Anti-Scraping
All website architecture, landing page layouts, copy, copywriting, code, design elements, and proprietary backend routing scripts are the sole intellectual property of our S-corporations. Automated web scraping, data harvesting, or reverse-engineering of our platform is strictly prohibited.

3. Limitation of Liability & Warranty Disclaimers
This platform and its forms are provided on an "as-is" and "as-available" basis. We disclaim all warranties of any kind. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website including transmission delays, server downtime, or browser compatibility glitches. Every effort is made to keep the website up and running smoothly. However, we take no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control. 

4. Class Action Waiver & Governing Law
You agree that any legal dispute arising from your use of this website must be resolved through individual binding arbitration, and you explicitly waive your right to participate in a class-action lawsuit. This agreement is governed strictly by the laws of our home state of Tennessee, without regard to conflict of law principles.

Questions
We value our customers and want you to understand how we use the information we collect. Please contact us if you have any questions about our privacy policy.
We will provide you a copy of your personal information that we control and can reasonably retrieve. To access your information, you must provide the following:
• All policy numbers you want to access.
• Please sign your request and have your signature notarized. This ensures the identity of the person requesting the information.
• We do not currently charge a fee to cover the cost of providing you with a copy of this information. However, we do reserve the right to charge a small fee in the future.
• You may request that we correct your personal information in our files. Please note that we do not control information provided by third parties. So, you will need to contact the third party to correct any information from them.
• Sometimes we obtain your consumer or credit report. If so, you may request the credit-reporting agency's name and address. You may ask the agency to give you a copy of your report.

Please send any inquiries to us at:

Morency & Associates, Inc.
ATTN: Privacy Department
141 New Shackle Island Rd
Hendersonville, TN 37075

When you write to us, please include your name, address, and policy number, and your agent name and number, if you know it. You can contact your agent to change information that we control, such as your address. Or, you may contact your Morency & Associates, Inc. customer service representative. The phone number is in your policy packet.

This privacy statement and terms & conditions describes our privacy practices for both current and former customers. Please share this information with everyone covered by your policy or contract.

Thank you for allowing Morency & Associates, Inc. to be your insurance advisor.

 

Last revised: August 6, 2026