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Terms and Conditions:

Welcome to The Daniel Carinci Agency, LLC.  These terms and conditions outline the rules and regulations for using our insurance services.  By accessing our website and using our services, you agree to be bound by these terms.  If you disagree with any part of these terms, please refrain from using our website.  We reserve the right, at our discretion, to update, change, modify, add, or remove portions of this policy from time to time.  Your continued use of this site following the posting of changes to these terms will mean you accept those changes.

I understand that no coverage or changes will be considered bound or in force until I have received written or verbal information from a licensed agent of The Daniel Carinci Agency, LLC.  For detailed information and coverage specifics, please refer to the official policy documents.

I understand that The Daniel Carinci Agency, LLC. will process service requests based on information provided through this site and that I will receive confirmation of all changes to my coverage.  I authorize all such changes, and assume the responsibility of notifying The Daniel Carinci Agency, LLC. in the event of errors or misunderstandings.

Client is responsible for updating all contact information such as email in the event of changes.  We do not share email addresses with anyone other than your insurance company.  All contact information is stored in our secure system.  By sharing your email address with us you consent to periodic communication from The Daniel Carinci Agency, LLC.

All insurance and non-insurance information is for general purposes and may not be up to date or complete.  Premiums and payment terms for insurance policies will be outlined in the respective policy documents.  Failure to make timely payments may result in a lapse of coverage.

All content on our website, including but not limited to text, images, logos, and trademarks, is the property of The Daniel Carinci Agency, LLC. and protected by applicable intellectual property laws.  You may not reproduce, modify, distribute, or republish any content without our prior written consent.

Privacy Policy:

The Daniel Carinci Agency, LLC. is committed to ensuring the privacy and confidentiality of the information it receives.  To assist in underwriting and servicing your business with us, we may obtain non-public personal information.  It could be information we receive from you verbally or from emails, on applications, or forms, such as name, address, phone and fax numbers, email address, social security number, driver’s license number, assets, income, medical information, etc.  We will get information from your transactions with us, as well as your current and past insurance companies such as payment history, account balance, claims information, coverages, and premiums, etc.  We may obtain information from third parties or consumer reporting agencies such as motor vehicle reports, insurance score, credit history, etc.  In addition, for life, annuity, disability, and health products we may obtain your medical history with your permission.  The nature and intent of the information we obtain varies based on the nature of the products and services you receive.

We do not disclose any non-public personal information about our customers or former customers to anyone, unless the disclosure is necessary to service your account, and is permitted by law.  For example, we may disclose non-public personal information about you in the following situations: to carry out a transaction that you request; to provide information to companies who perform services on our behalf to help us administer your insurance policies and adjust claims; to comply with a validly issued and enforceable subpoena or summons.

This web page may contain links to other websites.  The Daniel Carinci Agency, LLC. is not responsible for the privacy practices or the content of such websites.  Any reference to a linked site or any specific product or service by name does not constitute or imply its endorsement by The Daniel Carinci Agency, LLC.  Questions about the content of those sites should be directed to their authors.  In no event will The Daniel Carinci Agency, LLC. be liable to any party for any loss or direct, indirect, incidental, special, or consequential damages caused by use of this website, or any other hyperlinked website.

We strive to provide accurate and up-to-date information; however, we make no warranties or representations regarding the accuracy or completeness of the content on our website.  We shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use or inability to use our website or services.