Privacy Policy, Terms and Conditions

1. Information about Definitions of Words or Phrases in this Document

A "Literal Phrase" is defined as set of words used in a specified order, with no changes to characters or order of characters. Content surrounding a "Literal Phrase" should be used in the same context as its "Defined Entity".

A "Defined Entity" is a description or alternate version, of a "Literal Phrase" or "Word", for purpose of shortening or describing the context of a "Literal Phrase" or "Word".

1-A. Definition of Words

This document contains some general words and phrases, which have more specific meanings, with definitions below.

Literal Phrase: "Pro America Insurance"
Defined Entity: "Pro America Insurance Agency, Inc."

Word: "we", "us"
Defined Entity: "Agents, employed by Pro America Insurance, who are required to follow the policies set forth by this document and any other agreement that is defined as a policy, with specific regards to communication with either customers or users of either our products or services, that is created or maintained by Pro America Insurance."

Word: "our"
Entity: "Belonging to Pro America Insurance."

Word: "you"
Entity: "User of our products and services."

Word: "your"
Entity: "Belonging to, the user of our products and services."

2. Information about our Organization and Privacy Policy

Modern information and communication technologies play a fundamental role in the activities of an organization like Pro America Insurance. Our organization is based in United States, with operations in Florida.

The principal activity of our organization is an Independent Insurance Agent. As an Independent Insurance Agent we represent several insurance companies. Your choice to use us as a medium to access our insurance companies will require you to submit personal data to us, our comparative rating systems, as well as the companies we represent. Emerging means of comparative analysis help consumers find more vendors of a desired product or service at varying prices. In offering this service to you, we have the ability to expedite traditional means of "brick and mortar" shopping by collecting your personal data through our automated systems. Pro America Insurance enforces a strict policy for use and security of your data that is collected by our automated product and services.

2-A. Corporate Entity Information and Scope of Privacy Policy

Our privacy policy covers Pro America Insurance and our website.

Florida Profit Corporation: PROGRESSIVE INSURANCE AGENCY, INC.
Florida Fictitious Name: PRO AMERICA INSURANCE AGENCY, INC.
Address: 2366 Pine Ridge Rd.
City, Zip: Naples, 34109
State: FL
Country: United States of America
Controller: PRO AMERICA INSURANCE AGENCY, INC.
Web Sites: http://www.proamericainsurance.com, http://www.getmyfloridaquote.com

3. Privacy Policy

The following items in this section make up our privacy policy.

3-A. Provisions for Anonymous Access

· You can access our website home page and browse our site without disclosing your personal data.

3-B. Services and Links of our Website

· Our website does not enable our visitors to communicate with other visitors or to post information to be accessed by others.

· Our website utilizes web services from an affiliate, "Webcetra, LP" ("Webcetra"). Webcetra provides us products and services, under the EZLynx trademark. Our website makes use of an EZLynx product named "Consumer Portal Live!!".

o "Consumer Portal Live!!"

§ https://proamerica.agentinsure.com

o EZLynx Privacy Policy

§ https://proamerica.agentinsure.com/EzWebsite/Content.aspx?id=89668f04-c4cc-446a-a390-05c59bb8638e

· Our website contains only one frame that displays data from an external website, the "Consumer Portal Live!!" product from EZLynx. The frame is located on the Auto Insurance page of our website (/auto.aspx) and is used to collect your data, for the purpose of giving you comparative rates for Auto Insurance.

3-C. Automatic Collection of Information

Our website automatically logs personal data by means such as programming or our website links information automatically logged by such means with personal data about specific individuals. We do so for the following purposes:

· Technical administration of our website

· Customer administration

· Our website does not use cookies to store personal data or link non-personal information stored in cookies with personal data about specific individuals.

3-D. Data Collection and Purpose Specification

Our website collects personal data that you may volunteer while using our services. With your permission and consent, we may also collect information about you from other sources, such as public records or bodies, or private organizations.

If we wish to use your personal data for new purposes, we offer you the means to consent to those new purposes:

· Indicating in a box at the point on the site where personal data is collected

· Sending an email ( info@proamericainsurance.com )

· Sending postal mail to this address ( 2700 Immokalee Rd. STE 4, Naples, FL 34110 )

· Calling this telephone number ( 239-596-2400 )

3-E. Children's Privacy

We knowingly collect personal data for children from a parent, for the purpose of retrieving a health insurance quote.

We take specific steps to protect the privacy of children by:

· Giving parents the option to consent to the collection and use of the child's personal data for our internal use.

Additionally, to ensure that children's privacy is respected on our website:

· We only collect a children's data volunteered by the parent, for the purpose of acquiring a quote for health insurance. This data is collected only when the parent knowingly completes a request for a health insurance quote.

· We do not collect any other personal data for a child other than the date of birth.

· We do not share a child's personal data with any entity other than an agent of our corporation, who the data is exclusively assigned to and is used to retrieve rates, for the parent, from insurance companies we represent.

We do provide information about our personal data practices in relation to children on our home page and wherever we knowingly collect personal data about a child, voluntarily supplied by the parent, on our website.

3-F. Disclosure and Visitor Choice

We do not disclose your personal data to our subsidiaries or other organizations. Where we disclose your personal data for purposes which are different from those indicated, we offer you the opportunity to consent to disclosure.

3-G. Confidentiality / Security

We give you the option of using a secure transmission method to send us the following types of personal data:

Primary personal data (such as name and contact details)

Specific personal data (such as medical data, date of birth, lifestyle)

We have implemented security policies, rules and technical measures to protect the personal data that we have under our control from:

· Unauthorized access

· Improper use or disclosure

· Unauthorized modification

· Unlawful destruction or accidental loss

All our employees and data processors, who have access to, and are associated with the processing of personal data, are obliged to respect the confidentiality of our visitors' personal data.

We ensure that your personal data will not be disclosed to State institutions and authorities except if required by law or other regulation.

To verify we have any personal data about you in our records, you may submit a request by:

Emailing:

info@proamericainsurance.com

For verification purposes we will only consider requests coming from the email address on file in your account. Indicate your name and any other pertinent information that will help us find your records. We will reply to you within 7-14 business days with verification and description of the types of data we may hold about you.

To access any personal data we may hold about you, you can submit a request by:

Sending postal mail to this address:

Data Controller
Pro America Insurance Agency, Inc.
2700 Immokalee Rd.
STE 4
Naples, FL 34110

· We will provide you with a readable copy of the personal data we keep about you, within a month.

· For purposes of authorization we will make an attempt to contact you, using the information we have on file.

· If we are unable to contact you, we require that all data requests be made in person accompanied by Federal or State issued photo identification.

· We provide you this service for a charge of $5.00. Checks are the only form of payment accepted, to assist in verifying your identity. Please include with your request, a check payable to "Pro America Insurance Agency, Inc.".

· You will not be charged for this service if we fail to verify your identity.

We allow you to challenge the data that we hold about you and, where appropriate, you may have the data:

· Erased

· Rectified or amended

· Completed

We reserve the right to refuse to provide our users with a copy of their personal data, but will give reasons for our refusal and if appropriate a refund.

For authorization failures, we do not allow our users to challenge our refusal to provide them with a copy of their personal data.

3-F. Privacy Compliance

This privacy policy is governed by the internal substantive laws of the State of Florida, without regard to its conflicts of law principles. Jurisdiction for any claims arising under the terms and conditions of this privacy policy shall lie exclusively with the state and federal courts of the State of Florida, in the County of Collier. 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.

4. Changes to this Privacy Policy

We may, from time to time, make changes to our privacy policy. We will include any changes in this policy page, the date and content of any significant changes in the way we treat personal information.

5. Privacy Policy Disclaimer

The security of our user"s data is a very important concern to us. We exercise care, through methods stated in this policy, to provide secure transmission data from your computer to our servers and our affiliates" servers. Unfortunately, no data transmission over the internet is guaranteed to be one-hundred percent secure. As a result, while we strive to protect your personal data, we cannot ensure or warrant the security of any personal data you transmit to us or from our online products and 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 secure socket layers. However, "perfect security" does not exist on the internet.

6. Acceptance of Privacy Policy Terms

By using this website, you acknowledge your agreement with Pro America Insurance"s privacy policy. IF YOU DO NOT AGREE WITH THIS POLICY, PLEASE DO NOT USE THIS WEBSITE. Your continued use of Pro America Insurance"s website following the posting of changes to these terms will mean you accept those changes.

7. LIMITATION OF LIABILITY

PRO AMERICA INSURANCE AGENCY, INC. 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 VIRUS; OR (j) LINE FAILURE. PRO AMERICA INSURANCE IS 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, PRO AMERICA INSURANCE AGENCY, INC. 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 INCIDENTAL OR CONSEQUENTIAL 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 PRO AMERICA INSURANCE AGENCY, INC. 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.

8. DISCLAIMER

THE MATERIAL ON AND PROVIDED THROUGH THIS WEBSITE IS PROVIDED ON AN "AS IS" BASIS. THIS MEANS THAT WE DISCLAIM ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN THE SITES. THIS INCLUDES, BUT ITS 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.

9. Privacy Support

If you have an enquiry or concern about our privacy policy, please contact:

Data Controller
Pro America Insurance Agency, Inc.
2700 Immokalee Rd. Suite 4, Naples, FL 34110
Phone: (239) 596-2400
Fax: (239) 596-1124
info@proamericainsurance.com