Term and Conditions of Use This website is maintained by Mulling Insurance Agency, Inc. for your personal information. At the same time, please remember that your access to the Mulling Insurance Agency website is subject to the following terms, conditions, and notices (the "Terms"), as well as all applicable laws. By accessing and using the Mulling Insurance website, you accept the Terms without limitation or qualification. Mulling Insurance may at any time revise these Terms by updating this posting. You are bound by such revisions and Mulling Insurance reserves the right, without notice and for any reason, to remove any content on this site, and to deny access of any user or users to all or any part of this site. Copyrights You should assume everything on the Mulling website is copyrighted unless otherwise noted and may not be used except as provided in the Terms or with the express written consent of Mulling Insurance or any third party deems necessary. Mulling Insurance neither warrants nor represents that your use of the material displayed on the Mulling Insurance website will not infringe rights of third parties. Images of people or places displayed on the Mulling Insurance website are either the property of, or used with permission by Mulling Insurance Agency, Inc. Use of these images by you or other third parties is prohibited unless expressly permitted in the Terms or elsewhere on the Mulling Insurance website. Any unauthorized use of these images may violate copyright laws, trademark laws, the laws of privacy and publicity, and other applicable regulations and statutes. Trademarks The trademarks, logos, and service marks (the "Trademarks") displayed on the Mulling Insurance website are the property of Mulling Insurance Agency, Inc. Submissions Apart from your personal information (which is addressed in the Privacy Policy), any and all communications or materials you send to the Mulling Insurance website, electronically or otherwise, including but not limited to data, questions, comments, suggestions, or submissions, are and will be treated as non-confidential and non-proprietary. Anything you send to the Mulling Insurance website may be used by Mulling Insurance for any purpose including but not limited to reproduction, transmission and disclosure. By using this site, you may submit, or Mulling Insurance may gather, certain limited information about you and your usage of the site. Subject to the terms of the Privacy Policy, Mulling Insurance is free to use such information for any purpose it deems appropriate. Mulling Insurance Agency, Inc. Privacy Policy At Mulling Insurance, maintaining your trust and confidence is our top priority. We do not sell or rent nonpublic personal information about our members or former members. We do not share non-public personal information about our members or former members with companies outside represented by Mulling Insurance Agency, Inc. except where required or permitted by law. We carefully manage and safeguard information among our companies and affiliates in order to provide you with unsurpassed service. Sources from which we may collect nonpublic information about you include: information we receive from you on applications or other forms in writing, via facsimile transmission, by telephone, by electronic means including e-mail and our website, or by other means of communication; information resulting from your transactions with us, our affiliates or others; information resulting from entitled services that you have received from us, our affiliates or others; information obtained from governmental sources, such as your driving record and claims history and information obtained from non-governmental sources, such as demographic data used for marketing purposes. We may disclose personally identifiable information about you to persons or organizations within or outside of Mulling Insurance as permitted or required by law. Information will normally be limited to name, address and telephone number. Under certain circumstances, additional information will be provided to appropriate third parties with your consent or at your direction, such as request a quote for insurance or, as necessary, to perform other services. Information will also be disclosed, if necessary, to effect, administer or enforce a transaction, benefit or service that you have requested or authorized or to which you are entitled. This includes such information as the description, location and license number of your vehicle, as well as your telephone contact number and other information. Information may be shared among affiliates and subsidiaries, third parties with whom information may be shared include, but are not limited to, financial service providers, insurance support organizations, insurance agents, claims representatives, and governmental agencies. We restrict access to your nonpublic information to those employees who need such information in order to provide products or services to you. In compliance with federal regulations, we maintain physical, electronic and procedural safeguards designed to guard and prevent misuse of your nonpublic personal information. Below is a list of non-volunteered information that will be collected automatically when visiting the Mulling Insurance Agency, Inc. website: The referrer (the site prior to entering the Mulling Insurance Agency website) The IP address of the workstation Date and time logged in and out Pages visited while on our site Time spent on each page Files downloaded Criteria used when searching