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GEAUSA.ORG TERMS OF USE

Copyright / Trademark

This site contains graphics, information, data, editorial and other content, all of which is Copyright © 2000 by GEA. All Rights Reserved. The GEA logo is a proprietary service mark of Government Employees Association, Inc.

You are authorized to use the content while visiting GEA for personal, non-commercial use only. You may not reproduce, download, disseminate, transfer, republish, or otherwise copy any of the content without the written permission of GEA except that: (1) you may make one computer-readable and/or one print copy of selected content for personal, non-commercial use only, and 92) if you represent a non-profit organization, you may make copies of selected content for educational purposes only, provided that correct attribution is made and that the applicable copyright notice is included (e.g., "Copyright © 2000, Government Employees Association, All Rights Reserved"). In no event, however, may you distribute or post any GEA website material on the Internet or any network, without the written permission of GEA. Violation of this License may result in legal action for injunction, damages or both.

Third-Party Sites

This site contains links to other Internet sites ("third-party sites") that are not maintained by GEA. These links are provided solely for your convenience. GEA makes no warranties or representations about the contents of or any products or services offered in such third-party sites. We recommend that you take the time to reach the privacy and security policies of these sites.

GEA may also, from time to time, provide you with opportunities to link to, or buy services from, non-GEA, third-party sites. Sites of these third-parties may be subject to terms and conditions that are different from those found here. Again, you should look on the home pages of these third-party sites in order to locate their terms of use and privacy policies. You should read these terms and policies carefully before using the third-party sites. We make no warranty concerning third-party provided goods or services, and you agree that any recourse for dissatisfaction or problems with those goods or services will be sought from the third-party provider and not from GEA or its affiliates.

Jurisdiction / Enforceability

Use of this site shall be governed by and construed in accordance with the laws of the State of Ohio without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Cuyahoga County, Ohio.

Should any provision of our terms and conditions be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

Products

The information and descriptions contained in this site are intended as general information and are not necessarily complete descriptions of all terms, exclusions and conditions applicable to the products and services offered by or through GEA or any third-party. Product availability varies by state. The insurance coverage afforded through GEA is subject to the terms and conditions of the policies issued.

User-Provided Content

In some areas of geausa.org, such as chat rooms and bulletin boards, you and other users may post your own material ("User-Provided Content"). By submitting User-Provided Content to the website, you grant GEA and its affiliates a world-wide, royalty free, perpetual, irrevocable, and non-exclusive license to use, reproduce, host, distribute, modify, and publish the User-Provided Content on the website or any other medial. Because any User-Provided Content may be viewed by any visitor to geausa.org, please do not post any information that you would like to keep confidential or private.

We do not control the posting of User-Provided Content, and cannot be held responsible or liable in any way for such postings or their consequences. You and you alone are responsible for the submission of User-Provided Content. You agree not to post any user-Provided Content:

that is unlawful, defamatory, libelous, obscene, indecent, vulgar, hateful, abusive, threatening, harmful, invasive of another's privacy, or racially, ethnically, or otherwise objectionable;
that infringes or otherwise violates the copyright, trademark, trade secret, patent, or other legal rights of any part;
that is intended for advertising, marketing, solicitation, or other promotional purposes;
that contains any software viruses or other code intended to disrupt the website, the service, the content, or any computer software or hardware; or
that is otherwise illegal or objectionable.

We reserve the right to remove any user-Provided Content, in our sole discretion, including, but not limited to, User-Provided Content that violates these Terms of Use.

Privacy & Security Policy

GEA recognizes and shares the privacy concerns of visitors to our website. GEA's Privacy & Security Policy informs website visitors about (1) what information we collect from or about website visitors and its security; (2) benefits to website visitors of what we collect and how we use the information; and (3) the choice you have about GEA's use of the information. We may periodically update and revise this policy. Please check back routinely for changes.

Children

This website is not intended for use by children and is not directed toward children.

What personal information does GEA collect about me?

Visitors to GEA's website browse the site anonymously. Visitors are not required to provide any personal information to GEA in order to access our website.

GEA requests personal information about you and others in your household to underwrite the risk and provide an accurate insurance rate quote for GEA insurance carriers. When you request rates or other information, GEA always asks for your name and e-mail address. GEA asks for additional information if you decide to purchase a policy, including credit card number, address, social security number, telephone number, dependent names, health information, physician names and addresses, and beneficiary, if necessary. Social Security information is optional in some states.

Some of this information is obtained from you, and confirmed or supplemented through information obtained from various consumer reporting agencies, which provide health information, claim reports and credit reports. Upon request, GEA will provide the source of these consumer reports and their customer service phone numbers for verification and correction of your information.

Depending upon your state of residence, the information requested could include examples such as:

Zipcode
Employment duration
Date of birth
Health conditions
Gender
Prior insurance carrier
Marital status
Claims history
Credit report information

It is not our practice to request personal information in connection with your insurance transaction solely for marketing purposes. However, non-identifying information, and information collected when you participate in contests and surveys, may be used for marketing purposes.

Like all websites, GEA has the ability to track and store the referring website you visited before visiting GEA's website. We gather statistical information concerning web traffic and usage patterns. We also collect technical information, such as IP address, operating system and session ID. This enables GEA to evaluate what our customers want, provide adequate capacity for our visitors, and display information in the best manner.

GEA uses "cookies" or small packages of information stored on your computer, in order to save the information that you have entered during the quoting process. The cookie also collects data such as time/date stamp and browser session ID.

This site contains links to other Internet sites ("third-party sites") that are not maintained by GEA. These links are provided solely for your convenience. GEA makes no warranties or representations about the contents of or any products or services offered in such third-party sites.We recommend that you take the time to read the privacy and security policies of these sites.

Security - Is the Information Collected Secure?

GEA uses a secure server and security protocol to safeguard the information you provide during the purchase and payment processes.

GEA uses a secure server implementing the Secure Sockets Layer (SSL) protocol to interact with you when you provide personal information during the purchase and payment processes. This state of the art technology encrypts your information so a third party cannot read the information while in transit. Every secure page on GEAUSA.com org has been secured with a digital certificate by [RSA Data Security/Server CA]. This is shown via the "site certificate" that resides on all secure pages. To view this certificate, click on the image of the "closed lock" or the "solid key" on the bottom of your browser window. A small frame displaying site security information will appear. Click on "subject" to verify that you are on a geausa.org site. Click on "Issuer" to verify the site certification authority.

GEA handles your information securely via 128 bit encryption. We limit personnel access to our servers and expect our personnel to adhere to high standards of ethics and integrity in performing their jobs and conducting the business and affairs of GEA. All personal information stored by geausa.org is housed securely and there is no access to this information via the Internet from outside entities.

Benefits

How does GEA use the collected information? What is the benefit to me?

GEA uses the information to underwrite risks and generate accurate rates, provide a faster customer experience and to improve our website. If you purchase coverage with GEA, we use the information to activate and service your policy.

GEA will generate e-mails from the submitted e-mail address to customers to confirm rate information, policy information or other reminders about our services.

You may opt-out of receiving e-mails from GEA by indicating this when asked during registration or our online questionnaire or by sending e-mail to webmster@geausa.org.

Liability Disclaimers

YOUR VISIT TO THE WEBSITE, AND USE OF THE SERVICE AND CONTENT, ARE DONE AT YOUR OWN RISK. YOU ACKNOWLEDGE AND AGREE THAT GEA, ITS AFFILIATES, AND ITS THIRD-PARTY SUPPLIERS:

A. PROVIDE THE CONTENT, SERVICE AND WEBSITE "AS IS", WITHOUT ANY WARRANTY OF ANY KIND;

B. MAKE NO REPRESENTATIONS CONCERNING THE SUITABILITY, RELIABILITY, OR ACCURACY OF THE CONTENT OR THE SERVICE FOR ANY PURPOSE.

C. EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, IN CONNECTION WITH THE CONTENT AND THE SERVICES PROVIDED ON THE WEBSITE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT; AND

D. SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, SPECIAL OR OTHER DAMAGES INCLUDING, WITHOUT LIMITATION, LOSS OR DELAY OF USE, LOST PROFITS, LOSS OF DATA OR ANY OTHER DAMAGE IN CONTRACT, TORT, EQUITY OR ANY OTHER LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY THEREOF, RELATING TO THE USE OF THE SERVICE, WEBSITE, OR CONTENT.

IF YOU ARE DISSATISFIED WITH ANY PORTION OF THIS WEB SERVICE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THIS WEB SERVICE. Because some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, some of these limitations may not apply to you.

Affiliated and Third-Party Links

GEA may also, from time to time, provide you with opportunities to link to, or buy services from, non-GEA, third-party sites. Sites of these third parties may be subject to terms and conditions that are different from those found here. Again, you should look on the home pages of these third-party sites in order to locate their terms of use and privacy policies. You should read these terms and policies carefully before using the third-party sites. We make no warranty concerning third-party provided goods or services, and you agree that any recourse for dissatisfaction or problems with those goods or services will be sought from the third-party provider and not from GEA or its affiliates.