Terms of Use

Thank you for visiting the Liquor Liability Insurance by Freiburg Insurance website. Please review the following “Terms of Use” and note that your use of this website constitutes your agreement to follow and be bound by them. If you do not wish to be bound by these Terms of Use, please discontinue using and accessing this site immediately. Continued use of this site constitutes your consent to be bound by these Terms and Conditions as a whole.

 

Purpose of Use

This website is designed for personal, non-commercial use only. All materials herein, including but not limited to those written, visual, audio graphic, and/or downloadable, are to be used for personal, non-commercial use only unless expressed and written permission is obtained from Freiburg Insurance Agency in advance of said use. You may not use this website to engage in any illegal activity or engage in conduct that is defamatory, libelous, threatening, or harassing. You agree not to access any restricted portions of this website without proper authorization. You may not use any information obtained from the site for spamming or solicitation.

 

Changes to Site

We may terminate, change, suspend, interrupt, or discontinue any aspect this website or any of its features, including these Terms and Conditions, at any time.  We may also restrict certain features and services at our discretion.

 

Trademarks, Copyrights and Intellectual Property

All trade names and logos are proprietary to Freiburg Insurance Agency. Nothing contained on the website should be construed as granting any license or right to use any trademark displayed on this site without the expressed and written permission of the Freiburg Insurance Agency. Images displayed on this website are either the property of or used with permission by Freiburg Insurance Agency. The use of these images by you, or anyone authorized by you, is prohibited unless specifically permitted by Freiburg Insurance Agency in writing. Any unauthorized use of the images may violate copyright laws, trademark laws, the law of privacy and publicity, and/or communications regulations and statutes.

 

External Links

Any links provided by this or associated web pages are provided solely for your convenience. Freiburg Insurance Agency does not maintain, control, approve, endorse, or continually review these websites, or the services, products or data contained or obtained therein, and these websites are in no way intended to represent an exhaustive listing of service providers that may be useful to you. Freiburg Insurance Agency makes no warranties or representations, express or implied, regarding the content, data, services, or offers contained in these websites. Freiburg Insurance Agency assumes no legal liability or responsibility for losses or damages resulting in any way from the information contained in these websites.

 

Choice of Law

The laws of the State of Illinois and the United States govern these Terms of Use. Any suit or other action arising out of your use of this site must be brought in the District Court of Adams County, Illinois, or the United States District Court in Urbana, Illinois.

 

Limitation of Liability

FREIBURG INSURANCE AGENCY WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM YOUR USE OF THIS WEBSITE. THESE MIGHT INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY:  (1) USE OF (OR INABILITY TO USE) THE SITES; (2) USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM THIS WEB SITE; (3) FAILURE OF PERFORMANCE; (4) ERROR; (5) OMISSION; (6) INTERRUPTION; (7) DEFECT; (8) DELAY IN OPERATION OR TRANSMISSION; (9) COMPUTER VIRUS; OR (10) LINE FAILURE.  WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. FURTHERMORE, EXCEPT AS PROVIDED BELOW, WE ARE NOT LIABLE EVEN IF WE HAVE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES — OR BOTH.

SOME OF THESE LIMITATIONS MAY NOT APPLY TO YOU IF YOU LIVE IN A JURISDICTION THAT FORBIDS OR DISALLOWS THEM.

 

Disclaimer

THE MATERIAL ON OUR WEBSITE IS PROVIDED AS IS. THIS MEANS THAT FREIBURG INSURANCE AGENCY DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN THE SITE. THIS INCLUDES, BUT IS NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) THAT DEFECTS WILL BE CORRECTED; (4) THAT OUR WEBSITE, OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (5) THAT INFORMATION CONTAINED IN THE WEB SITE IS ACCURATE AS OF ANY PARTICULAR DATE.

 

Other Agreements

You may have other agreements with Freiburg Insurance Agency. These Terms of Use apply to your use of this website and do not change any other contract or agreement between you and Freiburg Insurance Agency.

 

NonWaiver

Failure by Freiburg Insurance Agency, in any instance, to exercise any of its rights under the Terms and Conditions will not constitute a waiver of such rights or any other rights under the Terms and Conditions.

 

Severability

If any portion of these Terms and Conditions is found to be unenforceable, all remaining sections of the Terms and Conditions will remain in effect.

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Privacy Policy

Freiburg Insurance Agency is grateful for the trust you place in us when you submit your necessary personal information when you purchase insurance from us. Like our protective insurance policies, we care about your privacy, your personal information, and the responsibility to keep that information secure. Our Privacy Policy lists details about where we get your information, and where that information exists once we have it.

 

Application, Policy, & Claim Information

Throughout the application process, policy creation, and/or handling a claim, the following information may be collected about you:

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• The insurance application or other forms (for example, your name, address, date of birth and social security number);

• Your transactions with us (such as payment and claims histories);

• Consumer reporting agencies (such as your credit or claims history);

• Your insurance agent (such as updated information pertinent to your account or information about your policies with other insurers)

• Government agencies such as the Department of Motor Vehicles (your driving record)

 

In addition, if you make a claim for medical payments, we may request information pertaining to your medical history and treatment.

 

Information Collected via Website & Internet

Freiburg Insurance Agency also may collect information from you automatically when you use our website, with cookies and similar technology, and when you provide information directly to us through our website. We gather certain information using cookies along with online technologies whenever you use our website, send us an email, or interact with our emails and advertisements. This information may include internet protocol (IP) addresses, browser information, the internet service provider (ISP), referring and exit pages, operating system, session ID, date and time stamp, geolocation, and clickstream data. We use this information to:

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• Conduct website analysis

• Recognize your browser or device

• Log activity on our website

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Information Relevant to our Third Parties

Freiburg Insurance Agency respects and protects your privacy. We do not sell any of your personal information to any third party. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard the information we obtain from you. In the course of our normal insurance business transactions, we may disclose some information about you to nonaffiliated third parties, but only as permitted by law. Examples of some organizations to whom we might give information are:

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• Independent claims adjusters, claims representatives of another involved insurance companies, or appraisers who would need the information to adjust your claims

• A law firm we might hire to defend you in the event of a claim against you

• Your insurance agent, to allow for servicing of your policy

• Insurance rating organizations who require information for actuarial purposes

• Other named insureds on your insurance policy

• Law enforcement or other agencies in response to a subpoena or threat of one, or in connection with suspected fraudulent claims

• Our affiliated insurance companies and the county, town, township or statewide mutual insurance companies with whom we do business

• Google Docs/Forms, the secure service that hosts our application on our website

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Website Accessibility 

Freiburg Insurance Agency aims to provide a website that is accessible to all possible persons regardless of ability or technology. If you experience any troubleshooting or difficulties in accessing this website or its content, please contact Freiburg Insurance Agency at 217.224.7775, or send us an email at e_pridemore@freiburginsurance.com. Thank you for your patience.