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Privacy Policy

Information Collection & Disclosure Practices

Please read this notice to learn how your information may be used by us and about your right to review and correct personal data. Our goal is to protect the confidentiality of information that you provide to us.

Acceptance of Privacy Policy Terms. By using this website or proceeding with the quote process, you acknowledge your agreement with the Valor Independent Group Limited (together with its affiliates, “Valor”) Privacy Policy. IF YOU DO NOT AGREE WITH THIS POLICY, PLEASE DO NOT USE THIS WEBSITE OR SERVICE. Your continued use of Valor’s website constitutes your agreement to this Privacy Policy, and your use of Valor’s website following the posting of changes to these terms (if any) will mean you accept those changes as well.

Your Privacy Is Important to Us. Valor protects the confidentiality of personal information that you provide to us or that we collect. We have physical, electronic, and procedural security in place to protect personal data. The insurance carriers that Valor is contracted with utilize personal information about you and the drivers in your household with respect to your application for insurance, renewals, changes to your policy, pricing quotations, policies, and claims. Additional personal information collected, may, if permitted by law, be disclosed without prior authorization to non-affiliated third parties. We may also share information with affiliated companies or lead generation alliances for such purposes as servicing, underwriting, quote pricing, document signing, text message services, insurance marketing, and policy placement. Information may be provided to others when required by law or pursuant to legal process.

Types of Information We Collect and Disclose. We collect non-public personal financial and health information about you, your family, and your property in order to issue policies, service policies, and to assist in the handling of underwriting and claims. This information is collected and retained even if we no longer service you as a client as we are required by law to maintain our records for up to seven years. Nonpublic personal financial and health information is defined as information not generally available to the public. We collect this information in a number of ways, including:

  • Information that you give us when you apply for a policy or make a policy change. When you apply for a policy we record the information that you give us on an application form or in an application quote system. We also record information when you request a policy change. The information we obtain may include your name, address, and telephone number, driver’s license number, social security number, federal employer identification number, date of birth, length of employment, gender, marital status, prior insurance information, home ownership, length of residency, vehicle descriptions, miles driven and vehicle use, other drivers, vehicle garaging address, and driving history.
  • Information that we acquire in the course of doing business with you. We collect information about
    your transactions with our company and other companies. It may include your insurance coverage selections and premiums, payment and claims history, information used to calculate premium, and your payment and billing information.
  • Information that we acquire from third parties. The insurance carriers we are contracted with collect information from consumer reporting agencies. It may include motor vehicle records, driving records, accident reports, claims history reports, insurance records, and consumer reports that may include credit information. Upon your written request to the insurance carrier, not Valor, the carrier will provide you with a copy of this information. You have the right to access this personal information and ask for correction of any erroneous information found in the records of these third parties by submitting a request to the third party.
  • E-mail. We may email requests to you to complete and support your transactions with us and to comply with law. We may also send you email to follow-up on coverage quotes, respond to your questions, and to provide you with information about your policy and other information.
  • Cell Phone Number Calls and Text Messaging. We may call and/or text message you to complete and support your transactions with us and to comply with law. We may also call and/or send you text messages to follow-up on coverage quotes, respond to your questions, and to provide you with information about your policy and other information. Standard carrier messaging rates will apply to any calls, voice messages, and/or text messages received from Valor or sent by you to Valor representatives or affiliated business alliances. Valor is not liable for any cell phone messaging charges or fees generated by this service. You may ask through written request at any time to be removed from this cell phone call and/or messaging service. Valor reserves the right to review and process your request within thirty (30) days of receiving the request. Please be advised by opting out of the cell phone call and/or messaging service Valor’s communication method with you will automatically default to email and/or United States Postal Service (USPS) standard mail unless there is a landline associated with the account that is not on the national do not call list (DNC).
  • Cookies. As is common practice with websites, we use cookies to enhance your web browsing experience. A “cookie” is a small text file that a website can place on your computer’s hard drive in order, for example, to collect information about your activities on the website or to recognize your computer in the future. The cookie transmits this information back to the website’s computer, which, generally speaking, is the only computer that can read it.

Parties to Whom We Disclose Information. We may disclose your information without additional authorization to third parties: (1) for our everyday business purposes, such as to process insurance transactions, obtain additional pricing, coverage options and policy placement with outside insurance agencies and brokers in which Valor has a lead generation alliance, maintain a policy, respond to court orders and legal investigations; (2) we may provide the information to trusted partners who work on our behalf and are under requirements of confidentiality; (3) if we are acquired by or merge with another company; (4) as permitted or required by law (for example, a subpoena, court order, or legal process, or to establish or exercise legal rights or defend against legal claims). All third parties are required to maintain the confidentiality of your nonpublic personal information. You may ask us in writing not to disclose financial information to nonaffiliated third parties except as provided by law.

Confidentiality & Security. We restrict access to non-public personal information about you to other parties who must use that information to provide products or services to you. The information provided is restricted to only what is necessary to provide these products and/or services. Valor’s ability to disclose or use the information is limited by our employee code of conduct, applicable law, and nondisclosure agreements where appropriate. We also maintain physical, electronic, and procedural safeguards to guard your personal information against unauthorized disclosure or use.

Disclaimer. The security of all information associated without users is an important concern to us. As sated above, we exercise care in providing secure transmission of your information from your computers to our, and our affiliates’, servers. Unfortunately, no data transmission over the internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any personal information you transmit to us or from our online services, and you do so at your own risk. Once we receive your transmission, we, including our affiliates, use industry standard efforts to safeguard the confidentiality of your personal information, such as firewalls and VPNs.

LIMITATION OF LIABILITY. VALOR WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM YOUR USE OF THIS WEBSITE, INCLUDING, BUT NOT LIMITED TO, DAMAGES OR INJURY CAUSED BY ANY: (a) USE OF (OR INABILITY TO USE) OUR WEBSITE; (b) USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM OUR WEBSITE; (c) FAILURE OF PERFORMANCE; (d) ERROR; (e) OMISSION; (f) INTERRUPTION; (g) DEFECT; (h) DELAY IN OPERATION OR TRANSMISSION; (i) COMPUTER VIRUSES; OR (j) LINE FAILURE. VALOR IS NOT LIABLE FOR ANY DIRECT,
INDIRECT, PUNITIVE, CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHICH ARE DAMAGES INTENDED TO COMEPNSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, DAMAES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY OR INDIRECTLY FROM A LOSS OR INJURY. FURTHERMORE, EXCEPT AS PROVIDED BELOW, VALOR IS NOT LIABLE EVEN IF WE HAVE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE
HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR BOTH. HOWEVER, IN CERTAIN STATES WHERE THE LAW MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR THESE TYPES OF DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY AND YOU MAY HAVE THE RIGHT TO RECOVER THESE TYPES OF DAMAGES. IN ANY EVENT, THE LIABILITY OF VALOR TO YOU FOR ALL LOSSES, DAMAGES, INJURIES, AND CLAIMS OF ANY KIND, WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, OR THEY ARE CLAIMED TO BE CAUSED BY NEGLIGENCE OR OTHER WRONGFUL CONDUCT OR ANY OTHER LEGAL THEORY, WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITES.

DISCLAIMER OF WARRANTY. THE MATIERAL ON AN PROVIDED THROUGH THIS WEBSITE AND/OR A QUOTED POLICY IS PROVIDED ON AN “AS IS” BASIS. THIS MEANS THAT WE DISCLAIM ALL EXPRESS AND IMPLIED WARRANTEIS ABOUT THE MATERIAL IN THE SITES. THIS INCLUDES, BUT IS NOT LIMITED TO, WARRANTIES THAT: (a) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (b) THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR FREE; (c) THAT DEFECTS WILL BE CORRECTED; (d) THAT OUR SITE, OR THE
SERVERS THAT MAKE THEM AVAILABLE, ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (e) THAT INFORMATION CONTAINED IN THE SITE IS ACCURATE AS OF ANY PARTICULAR DATE.

Your Right to Review and Correct Personal Data. Upon your written request, and pursuant to law, you may review your information in our records. If you see any inaccuracies in your information you can send us a written statement describing the information you believe is incorrect and information that should appear in its place. We will either make the requested correction or tell you why we will not or cannot make the correction. If we correct your records, we will send confirmation to you and send the corrected information to any insurance support organizations we provided with your information if it is still in their records. We will also furnish the corrected information to any person you designate who may have received the information within the last 2 years. We cannot correct Consumer Report Information, such as a credit report. To do this, you must contact the consumer reporting agency that provided it. If we refuse to make a requested correction, you may file a written statement with us describing the information you believe is incorrect, and information that should appear in its place. Your statement will become part of your file. It will be sent to the same persons to whom we would send a copy of any correction or change. Additionally, your statement will be included in any subsequent, lawful disclosure.

If you wish to review your personal information or learn more about your right to review and correct personal data, please send a written request to us at: 123 S. 3rd Street, Suite 5, Easton, PA 18042. Please be advised that we may charge a reasonable administrative fee to make this update. Upon written request, we will identify persons or organizations to which the data has been disclosed within the last two years, or if not recorded, we will identify persons or organizations to which the data is normally disclosed. We will not provide privileged data, such as insurance claims and lawsuits.

Choice of Law. This privacy policy is governed by the internal and substantive laws of the Commonwealth of Pennsylvania, without regard to its conflict of law principles. Jurisdiction for any claim arising under the terms and conditions of this privacy policy shall lie exclusively with the state and federal courts of the Commonwealth of Pennsylvania, in the county of Northampton. If any provision of this privacy policy is found to be invalid by a court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this privacy policy, which shall remain in full force and effect.

Changes to this Privacy Policy. We may, from time to time, update this policy. We will prominently post
on this policy page, the date and content of any significant changes in the way we treat personal information.