Norman-Spencer Agency, Inc., Legal Notice

Disclaimer

“Norman-Spencer” means Norman-Spencer Agency, Inc., and any and all subsidiaries, parent companies, and/or affiliate operation. The information contained in this website is for general information purposes only and is provided on an “as is” basis without any warranties of any kind that the material is suitable for your needs, current, and error free or otherwise. Though an effort has been made to provide complete information, Norman-Spencer, assumes no liability for the completeness of the information provided in the website.

Trademark and Copyright Ownership

The materials on this site, including copyright material, service marks, trademarks, and trade names, are owned by Norman-Spencer. Using any materials or content from this site is prohibited; however, you may print or download a reference copy for your own personal and/or non-commercial use provided that you do not remove any Norman-Spencer copyright, trademark, service mark, or other legal notices. Any other modification or use of the materials on this site, without the express written consent from Norman-Spencer, violates proprietary rights.

Content

Norman-Spencer makes no representations about the suitability of the content of this site for any purpose. All content is provided “as is” without any warranty of any kind.

While Norman-Spencer believes the content to be accurate, complete and current, there may be inadvertent technical or factual inaccuracies and typographical errors. Norman-Spencer does not warrant that the information is accurate, complete or current. It is your responsibility to verify any content before relying on it. At any time and from time to time Norman-Spencer may make changes in the products, content, resources, and/or services described herein; however, Norman-Spencer makes no commitment to update the information and expressly disclaims liability for errors or omissions in it.

Norman-Spencer has not made and does not make any warranty of any kind whatsoever, express or implied, with respect to the contents of this website; and all implied warranties of merchantability, title, non-infringement and fitness for a particular purpose are hereby disclaimed by Norman-Spencer. Norman- Spencer will not be liable to anyone with respect to any damages, loss or claim whatsoever, no matter how occasioned, in connection with access to or use of the contents of this site. In no event shall Norman-Spencer be liable for any special, indirect, exemplary or consequential damages of any damages whatsoever, including but not limited to loss of use, date or profits, without regard to the form of any action including but not limited to contract or negligence or other tortious actions, arising out of or in connection with the use, copying or display of the content on this site.

Links to External Sites

Some of the websites listed as links herein are not under the control of Norman- Spencer. Accordingly, Norman-Spencer makes no representations whatsoever concerning the content of those sites. The fact that Norman-Spencer has provided a link to a site is not an endorsement, authorization, sponsorship, warranty, or affiliation of Norman-Spencer with respect to such site, its owners or its providers. Norman-Spencer has provided these links only as convenience to you. Norman-Spencer has not tested, researched, or endorsed any information, software or products found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software or products found on the Internet, and Norman-Spencer cautions all visitors to make sure that they completely understand these risks before retrieving, using, relying upon or purchasing anything via the Internet.

A.M. Best Company Ratings

At various places on this website, reference may be made to the rating assigned by the A.M. Best Company (“A.M. Best”) to the carriers we represent. According to its website, A.M. Best is a full-service credit rating organization dedicated to serving the insurance industry. The objective of A.M. Best “Financial Strength Rating” system is to provide an opinion as to an insurer’s financial strength and ability to meet its ongoing obligations to policyholders. A.M. Best’s “Financial Strength Rating” opinions are divided into two broad categories: Secure and Vulnerable. Secure rated companies have experienced a very low failure frequency, and include ratings from A++ and A+ (Superior), to A and A- (Excellent) to B++ and B+ (Very Good). In A.M. Best’s opinion, the highest rated Secure companies have a very strong ability to meet their ongoing obligations to policyholders, while the lowest rated Secure companies have a good ability. The higher a company’s Secure rating, the greater its ability to withstand adverse changes in underwriting and economic conditions over longer periods of time.

Fee/Commission Disclosure

Norman-Spencer and/or its affiliates may provide retail, wholesale and reinsurance brokerage, risk management, underwriting, captive management and benefits consulting and may receive remuneration as commission or fees paid by an insurer; fees paid by a client in lieu of, or in addition to, commissions; and investment income on premiums; claim payments and return premiums temporarily held as fiduciary funds. In certain circumstances, one or more of these affiliates may also receive compensation in the following forms: commission or fees paid to reinsurance brokerage or captive management companies for placement or management of reinsurance of a client’s risk; commission or fees paid to a wholesale broker to which a risk has been referred for placement; commission or fees paid for premium financing; and compensation paid by underwriters for performance of technical or other services.

Client Data, Collection and Use

Norman-Spencer gathers data containing information about its clients and their insurance placements, including, but not limited to, names; industry codes; policy types; and policy expiration dates, as was as information about the insurance companies that provide coverage to its clients or compete for its clients’ insurance placement. This information is maintained in one or more databases.

Norman-Spencer may use or disclose information about its clients, if required to do so by law, Norman-Spencer policy, pursuant to legal process or in response to a request from law enforcement authorities or other government or regulatory office.

Due to the global nature of services provided by Norman-Spencer, the personal information provided may be transferred, used, stored and otherwise processed outside the jurisdiction where the information was submitted.

For more information regarding Norman-Spencer’s date privacy practice, please see Norman-Spencer’s Privacy Policy.