Terms

Goldsborough Insurance , on behalf of itself, its subsidiaries, suppliers, business partners, related and affiliated companies, (collectively “Goldsborough”), maintains this website located at goldsborough.com and its associated websites, webpages, content, and other materials (collectively, the “Site”) to provide information about Goldsborough, its services and products.  Your access to and use of the Site is subject to these Terms of Use and all applicable laws and regulations. By accessing and using the Site, you accept, without limitation or qualification, these Terms of Use, which may be modified from time to time.  You may review the most current version of the Terms of Use at anytime.  Your continued use of the Site signifies your acceptance of any revisions made to these Terms of Use from time to time.  If you do not agree with these Terms of Use, please do not use this Site.

INSURANCE QUOTES/COVERAGES

Quotes and other information provided by Goldsborough do not constitute an offer to purchase insurance coverage nor is it specific advice or recommendations to you.  Any quotes generated from information submitted to this Site are estimates only, based upon the information you provide and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on this Site are general descriptions of available coverages and not a statement of contract. The insurance contract will always serve as the authority on coverage issues. To obtain coverage you must submit an application and provide Goldsborough with all requested documents and information for purposes of underwriting.  All applications are subject to underwriting approval. Coverages and availability may vary by state or province. Nothing contained in the Site or these Terms of Use shall be construed or deemed to amend or supplement the terms of any existing policy. Please understand that information contained within your service requests made be shared among Goldsborough, your insurance carrier, appraisers and others who may provide services to accommodate your service request.

AVAILABILITY OF INSURANCE PRODUCTS

By maintaining this Site, Goldsborough does not in any way intend to imply that the materials on the Site or the products discussed are available or for use outside the United States, in jurisdictions in which we are not licensed to do business, or that Goldsborough is soliciting business in any jurisdiction in which it is not licensed.  Please note that not all products or services described on the Site are available in all geographic areas of the United States and eligibility requirements differ from state to state.  Once we have had an opportunity to review your application we will determine and advise you of your eligibility for the particular product or service.

ONLINE CLAIMS SUBMISSIONS

If you are an existing Goldsborough customer, you may elect to report an insurance claim online where available. Information you submit regarding your insurance policy and the loss is subject to review and verification. Therefore your submission does not commit the insurer to coverage of your loss and you may be contacted by either Goldsborough, the insurer or both for additional information. A claim representative will be communicating with you regarding your claim. All policy provisions contained in your policy remain in effect and terms in your insurance contract control with respect to coverage issues.  You agree that any information you provide through the Site will be truthful and accurate.  If you have any questions concerning the coverage afforded by your policy, please contact your Goldsborough representative.

NO PROFESSIONAL ADVICE

The information contained on and provided through the Site is not intended to constitute professional advice.  While Goldsborough uses reasonable efforts to provide quality information and material, the industry and law changes frequently and everyone’s circumstances are different.  Therefore Goldsborough does not warrant or guarantee the accuracy, completeness, adequacy or currency of the information contained in or linked to the Site.  Users of information from the Site or links to other websites do so at their own risk.

SECURED AREAS/PASSWORDS

Some portions of the Site are restricted and require prior registration and authorization for access.  If you choose to register, or otherwise request information or services, you agree to provide truthful, accurate, up-to-date and complete information, including updating it promptly in the event of any changes. Upon acceptance of your registration, you will receive a password and/or other identifying information.  When you become an authorized user of any restricted area, you are responsible to maintain the security and confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. If you know or suspect that your password has been compromised, please notify us immediately to request a change of your password. Access or use by unauthorized persons is prohibited; any information with respect thereto may be shared with law enforcement and may result in criminal and/or civil prosecution. If you suspect any unauthorized activity related to your account or the Site, please contact Goldsborough immediately.

GOLDSBOROUGH PRIVACY POLICY

Please take a few moments to read the Privacy Policy which explains what information Goldsborough collects through the Site, how it uses that information, and what choices you have.  By using the Site, you agree to be bound by the terms of the Privacy Policy which is part of these Terms of Use.

LINKS

This Site may contain links to other Internet websites or resources.  When you link to those sites, you leave this Site and therefore the Goldsborough privacy policy does not apply to the practices of any companies or individuals operating the linked sites. Please use caution and review the privacy policies of any sites that you visit to learn more about their information practices. Goldsborough does not have any control over the content of any web sites that you visit from the Site or the business practices or policies of operators of such sites.  Therefore Goldsborough cannot assume responsibility or liability for (i) the availability or accuracy of such sites or resources, or (ii) the content, advertising, or products on or available from such sites or resources.  The inclusion of any link on the Site does not imply that Goldsborough endorses the linked site. Your use of the links must be at your own risk.

GOLDSBOROUGH’S PROPRIETARY RIGHTS

Unless expressly stated otherwise, you should assume that all trademarks, tradenames, logos and service marks (the “Marks”), text, images, documents and materials appearing on the Site including compilation, layout and style (all collectively referred to as “Content”) are the sole property of Goldsborough or its suppliers and are protected by U.S. and international trademark and copyright laws and treaties.  You may make and use printouts of the Content for your personal, non-commercial use only, provided that each printout retains all copyright, trademark and other proprietary notices.  Neither the Site nor any portion of the Site may be reproduced (other than as permitted above), downloaded, transmitted, duplicated, copied, sold, resold, visited or otherwise exploited for any commercial purpose without the express written consent of Goldsborough.  You may not link this Site to another, frame or utilize framing techniques to display any Content without prior written permission.  Any unauthorized use terminates the license granted in these Terms of Use.

DISCLAIMER/LIMITATION OF LIABILITY

YOUR USE OF THE SITE IS AT YOUR OWN RISK.  WITHOUT LIMITING ANY OTHER PROVISION CONTAINED IN THESE TERMS OF USE, EVERYTHING ON THE SITE IS PROVIDED TO YOU “AS IS” WITHOUT ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED. GOLDSBOROUGH HEREBY DISCLAIMS ALL WARRANTIES, INCLUDING WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND QUIET ENJOYMENT.  GOLDSBOROUGH MAKES NO WARRANTIES THAT CONTENT IS ACCURATE OR COMPLETE, THAT THE SITE WILL OPERATE ERROR-FREE OR WITHOUT INTERRUPTION, OR THAT THE SITE, ITS SERVICES OR ANY E-MAIL SENT FROM GOLDSBOROUGH ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.  IF YOU DO NOT AGREE WITH THE TERMS OF USE, OR IF YOU ARE NOT SATISFIED WITH THE SITE OR THE SERVICES PROVIDED HERE, YOUR SOLE REMEDY IS TO DISCONTINUE THEIR USE.

GOLDSBOROUGH WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES, WHETHER DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY, RELATING TO OR ARISING OUT OF YOUR USE OR INABILITY TO USE THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, WHETHER OR NOT GOLDSBOROUGH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.  THE EFFECTIVENESS OF THESE LIMITATIONS IS AN EXPRESS PRECONDITION TO YOUR USE OF THE SITE.  SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES.  ACCORDINGLY, SOME OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU.

INDEMNITY

You agree to defend, indemnify, and hold harmless Goldsborough, its officers, directors, employees, agents, and partners, from and against any claims, actions, or demands, including without limitation reasonable legal and accounting fees, made by any third party due to or resulting from your use of the Site, your violation of these Terms of Use, or your violation of any laws, regulations, or third-party rights.

GENERAL PROVISIONS

This Site is owned by L.E. Goldsborough & Son, Inc., 6600 York Road, Suite 204, Baltimore, Maryland 21212-2032. Please direct any questions or report any violations of these Terms of Use to shelley@goldsborough.com.

You agree not to use the Site or anything on it for illegal, harmful or unethical purposes or in any way that impinges upon the rights of others or violates any law or regulation.  You also agree not to interfere with the proper working of the Site, its features or services or take any action that imposes an unreasonable burden on the Site.  Goldsborough may modify or discontinue the Site, the services or your access to the Site with or without notice to you.  Goldsborough will not be liable to you or any third party as a result of such modification or discontinuation.  The provisions of these Terms of Use will survive any termination of the Site or any services provided.

These terms will be governed by and construed in accordance with the laws of the State of Maryland, excluding that body of law governing conflict of laws.  Any legal action or proceeding relating to or arising out of these Terms of Use or your use of the Site will be brought in a federal or state court in the city of Baltimore, State of Maryland, and you submit to the venue and personal jurisdiction of such court.  If any provision of these Terms of Use is held to be invalid or unenforceable, such provision will be enforced to the greatest extent possible and the remaining provisions will remain in full force and effect.  Headings are for reference purposes only and in no way define, limit, construe, or describe the scope or extent of such section.  Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches.  Except for other agreements or terms appearing on the Site, these Terms of Use set forth the entire understanding and agreement between us with respect to the subject matter hereof. Goldsborough has the right to revise these Terms at any time without notice by updating this posting.  You agree that regardless of any statute or law to the contrary, any claim or cause of action you may have arising out of or related to your use of the Site must be filed within six (6) months after such claim arose or be forever barred.  Any rights not expressly granted herein are reserved by Goldsborough.

 

L.E. Goldsborough & Son, Inc.

Privacy Policy

L.E. Goldsborough & Son, Inc. (“Goldsborough”) values its relationship with visitors and clients.  We respect your privacy and make every effort to safeguard personal information provided while also making services available.  This Privacy Policy, which is part of the Site’s Terms of Use, applies to the website located at www.goldsborough.com and any other Goldsborough websites (collectively the “Site”).  By accessing the Site, you agree to accept this Privacy Policy which explains what information Goldsborough collects through the Site, how it uses that information and what choices you have.  This policy may change from time to time so please refer back to it frequently.

WHAT PERSONAL INFORMATION GOLDSBOROUGH COLLECTS

You may visit the Site without disclosing any Personally Identifiable Information.  Personally Identifiable Information is data that specifically identifies you or that may be used to contact you, such as your name, postal address, telephone number and email address. Goldsborough collects Personally Identifiable Information from the Site only if you provide it. For certain services available on the Site or for certain parts of the Site, you must furnish Personally Identifiable Information.

For example, Goldsborough collects Personally Identifiable Information if you register as an existing client or to receive the newsletter/safety tips or request any insurance services such as an insurance quote or to report a claim.

Goldsborough also collects anonymous information such as your computer’s IP (internet protocol) address. The IP address log is a standard method of reporting to statistically identify which parts/pages of the Site are visited and how long visitors spend on various pages. Goldsborough also logs the type of browser and operating system you use and what search terms you enter. This anonymous information is not associated with Personally Identifiable Information and cannot be linked to you personally.

Like many other commercial sites, the Site may use a standard technology called a “cookie” to collect information about how you use the Site. Cookies were originally designed to help a web site identify a user’s browser as a previous visitor and thus save and remember any preferences that may have been set while the user was browsing. A cookie is a small string of text that a web site sends to your browser that securely stores a user’s ID and password, personalizes home pages and identifies which parts of a site have been visited. A cookie cannot retrieve any other data from your hard drive, pass on computer viruses or capture your email address. You may set your browser to refuse the Site’s cookie, however you will not be able to access those portions of the Site that require registration.

HOW GOLDSBOROUGH USES PERSONALLY IDENTIFIABLE INFORMATION

Goldsborough uses Personally Identifiable Information to respond to your emails/information/service requests, send you the newsletter, safety tips or industry updates, provide other information that may be of interest to you and to otherwise communicate with you about Goldsborough or our services. Goldsborough will also use the information collected to communicate with an insurance carrier, underwriter, investigator, appraiser or other insurance-related service provider with respect to services you requested.  Goldsborough also may, from time to time, make collected information available to selected third parties but only in the aggregate; Personally Identifiable Information is not disclosed to such third parties.

SHARING INFORMATION WITH THIRD PARTIES

Goldsborough will not share Personally Identifiable Information without your express permission.  As mentioned above, Goldsborough will share Personally Identifiable Information with insurance carriers (and/or their service providers to service your insurance needs) for example, to accommodate your request to obtain an insurance quote, issue a certificate of insurance, report and service a claim, make a policy change, or for any other purpose related to any other request.  Goldsborough may also share Personally Identifiable Information with its affiliates or business partners.  In addition, Goldsborough may use third parties to help with some of the services available on the Site.  For example, Goldsborough may use a third party to host its Site or parts of the Site or maintain a searchable database.

Finally, Goldsborough will disclose Personally Identifiable Information as required by law whether or not in connection with a subpoena or other order, or if in its discretion disclosure is necessary to protect Goldsborough, its clients or its Site visitors/users from loss or liability.  If Goldsborough were to merge with or be acquired by another company, the resulting combined company will use the information you have provided as described in this policy. If Goldsborough were to cease operations, the information may be transferred to and used by another company that offers similar or related products or services.  Additionally, any Personally Identifiable Information that is or becomes public information may be freely disclosed.

 

If you have any questions, you wish to update your Personally Identifiable Information or if you wish to no longer receive emails from Goldsborough, please send your request to shelley@goldsborough.com.