Privacy Policy & Disclosures

Acceptable Use Policy

Acceptable Use Policy

This acceptable use policy covers the products, services, and technologies (collectively referred to as the "Products") provided by Sacco & Sacco Insurance Brokers LLC under any ongoing agreement. It’s designed to protect us, our customers and the general Internet community from unethical, irresponsible and illegal activity.

Sacco & Sacco Insurance Brokers LLC customers found engaging in activities prohibited by this acceptable use policy can be liable for service suspension and account termination. In extreme cases, we may be legally obliged to report such customers to the relevant authorities.

This policy was last reviewed on September 23, 2026.

Fair Use

We provide our facilities with the assumption your use will be "business as usual", as per our offer schedule. If your use is considered to be excessive, then additional fees may be charged or capacity may be restricted.

We are opposed to all forms of abuse, discrimination, rights infringement and/or any action that harms or disadvantages any group, individual or resource. We expect our customers and, where applicable, their users ("end-users") to likewise engage our Products with similar intent.

Customer Accountability

We regard our customers as being responsible for their own actions as well as for the actions of anyone using our Products with the customer's permission. This responsibility also applies to anyone using our Products on an unauthorized basis as a result of the customer's failure to put in place reasonable security measures.

By accepting Products from us, our customers agree to ensure adherence to this policy on behalf of anyone using the Products as their end users. Complaints regarding the actions of customers or their end-users will be forwarded to the nominated contact for the account in question.

If a customer - or their end-user or anyone using our Products as a result of the customer - violates our acceptable use policy, we reserve the right to terminate any Products associated with the offending account or the account itself or take any remedial or preventative action we deem appropriate without notice. To the extent permitted by law, no credit will be available for interruptions of service resulting from any violation of our acceptable use policy.

Prohibited Activity

Copyright Infringement and Access to Unauthorized Material

Our Products must not be used to transmit, distribute or store any material in violation of any applicable law. This includes but isn't limited to:

  1. any material protected by copyright, trademark, trade secret or other intellectual property right used without proper authorization, and
  2. any material that is obscene, defamatory, constitutes an illegal threat or violates export control laws.

The customer is solely responsible for all material they input, upload, disseminate, transmit, create or publish through or on our Products, and for obtaining legal permission to use any works included in such material.

Spam and Unauthorized Message Activity

Our Products must not be used for the purpose of sending unsolicited bulk or commercial messages in violation of the laws and regulations applicable to your jurisdiction ("spam"). This includes but isn't limited to sending spam, soliciting customers from spam sent from other service providers, and collecting replies to spam sent from other service providers.

Our Products must not be used for the purpose of running unconfirmed mailing lists or telephone number lists ("messaging lists"). This includes but isn't limited to subscribing email addresses or telephone numbers to any messaging list without the permission of the email address or telephone number owner, and storing any email addresses or telephone numbers subscribed in this way. All messaging lists run on or hosted by our Products must be "confirmed opt-in". Verification of the address or telephone number owner's express permission must be available for the lifespan of the messaging list.

We prohibit the use of email lists, telephone number lists or databases purchased from third parties intended for spam or unconfirmed messaging list purposes on our Products.

This spam and unauthorized message activity policy applies to messages sent using our Products, or to messages sent from any network by the customer or any person on the customer's behalf, that directly or indirectly refer the recipient to a site hosted via our Products.

Unethical, Exploitative, and Malicious Activity

Our Products must not be used for the purpose of advertising, transmitting or otherwise making available any software, program, product or service designed to violate this acceptable use policy, or the acceptable use policy of other service providers. This includes but isn't limited to facilitating the means to send spam and the initiation of network sniffing, pinging, packet spoofing, flooding, mail-bombing and denial-of-service attacks.

Our Products must not be used to access any account or electronic resource where the group or individual attempting to gain access does not own or is not authorized to access the resource (e.g. "hacking", "cracking", "phreaking", etc.).

Our Products must not be used for the purpose of intentionally or recklessly introducing viruses or malicious code into our Products and systems.

Our Products must not be used for purposely engaging in activities designed to harass another group or individual. Our definition of harassment includes but is not limited to denial-of-service attacks, hate-speech, advocacy of racial or ethnic intolerance, and any activity intended to threaten, abuse, infringe upon the rights of or discriminate against any group or individual.

Other activities considered unethical, exploitative and malicious include:

  1. Obtaining (or attempting to obtain) services from us with the intent to avoid payment;
  2. Using our facilities to obtain (or attempt to obtain) services from another provider with the intent to avoid payment;
  3. The unauthorized access, alteration or destruction (or any attempt thereof) of any information about our customers or end-users, by any means or device;
  4. Using our facilities to interfere with the use of our facilities and network by other customers or authorized individuals;
  5. Publishing or transmitting any content of links that incite violence, depict a violent act, depict child pornography or threaten anyone's health and safety;
  6. Any act or omission in violation of consumer protection laws and regulations;
  7. Any violation of a person's privacy.

Our Products may not be used by any person or entity, which is involved with or suspected of involvement in activities or causes relating to illegal gambling; terrorism; narcotics trafficking; arms trafficking or the proliferation, development, design, manufacture, production, stockpiling, or use of nuclear, chemical or biological weapons, weapons of mass destruction, or missiles; in each case including any affiliation with others whatsoever who support the above such activities or causes.

Unauthorized Use of Sacco & Sacco Insurance Brokers LLC Property

We prohibit the impersonation of Sacco & Sacco Insurance Brokers LLC, the representation of a significant business relationship with Sacco & Sacco Insurance Brokers LLC, or ownership of any Sacco & Sacco Insurance Brokers LLC property (including our Products and brand) for the purpose of fraudulently gaining service, custom, patronage or user trust.

About This Policy

This policy outlines a non-exclusive list of activities and intent we deem unacceptable and incompatible with our brand.

We reserve the right to modify this policy at any time by publishing the revised version on our website. The revised version will be effective from the earlier of:

  • the date the customer uses our Products after we publish the revised version on our website; or
  • 30 days after we publish the revised version on our website.

Cookie Consent Policy

Cookie Policy

Effective Date: September 23, 2026

We use cookies to help improve your experience of our website at https://www.saccoins.com/ and its subdomains. This cookie policy is part of our privacy policy. It covers the use of cookies between your device and our site.

We also provide basic information on third-party services we may use, who may also use cookies as part of their service. This policy does not cover their cookies.

If you don’t wish to accept cookies from us, you should instruct your browser to refuse cookies from https://www.saccoins.com/. In such a case, we may be unable to provide you with some of your desired content and services.

What is a Cookie?

A cookie is a small piece of data that a website stores on your device when you visit. It typically contains information about the website itself, a unique identifier that allows the site to recognise your web browser when you return, additional data that serves the cookie’s purpose, and the lifespan of the cookie itself.

Cookies are used to enable certain features (e.g. logging in), track site usage (e.g. analytics), store your user settings (e.g. time zone, notification preferences), and to personalize your content (e.g. advertising, language).

Cookies set by the website you are visiting are usually referred to as first-party cookies. They typically only track your activity on that particular site.

Cookies set by other sites and companies (i.e. third parties) are called third-party cookies. They can be used to track you on other websites that use the same third-party service.

How Can You Control Our Website's Use of Cookies?

You have the right to decide whether to accept or reject cookies on our Website. You can manage your cookie preferences in our Cookie Consent Manager. The Cookie Consent Manager allows you to select which categories of cookies you accept or reject. Essential cookies cannot be rejected as they are strictly necessary to provide you with the services on our Website.

You may also be able to set or amend your cookie preferences by managing your web browser settings. As each web browser is different, please consult the instructions provided by your web browser (typically in the "help" section). If you choose to refuse or disable cookies you may still use the Website, though some of the functionality of the Website may not be available to you.

How Often Will We Update This Cookie Policy?

We may update this Cookie Policy from time to time in order to reflect any changes to the cookies and related technologies we use, or for other operational, legal or regulatory reasons.

Each time you use our Website, the current version of the Cookie Policy will apply. When you use our Website, you should check the date of this Cookie Policy (which appears at the top of this document) and review any changes since the last version.

Where Can You Obtain Further Information?

For any questions or concerns regarding our Cookie Policy, you may contact us using the following details:

Sacco & Sacco Insurance Brokers LLC
https://saccoins.com/contact/

Privacy Policy

Privacy Policy

Your privacy is important to us. It is our policy to respect your privacy and comply with any applicable law and regulation regarding any personal information we may collect about you, including across our website, https://www.saccoins.com/, and other sites we own and operate.

Personal information is any information about you which can be used to identify you. This includes information about you as a person (such as name, address, and date of birth), your devices, payment details, and even information about how you use a website or online service.

In the event our site contains links to third-party sites and services, please be aware that those sites and services have their own privacy policies. After following a link to any third-party content, you should read their posted privacy policy information about how they collect and use personal information. This Privacy Policy does not apply to any of your activities after you leave our site.

This policy is effective as of September 23, 2026

Last updated: September 23, 2026

Information We Collect

Information we collect falls into one of two categories: "voluntarily provided" information and "automatically collected" information.

"Voluntarily provided" information refers to any information you knowingly and actively provide us when using or participating in any of our services and promotions.

"Automatically collected" information refers to any information automatically sent by your devices in the course of accessing our products and services.

Log Data

When you visit our website, our servers may automatically log the standard data provided by your web browser. It may include your device’s Internet Protocol (IP) address, your browser type and version, the pages you visit, the time and date of your visit, the time spent on each page, and other details about your visit.

Additionally, if you encounter certain errors while using the site, we may automatically collect data about the error and the circumstances surrounding its occurrence. This data may include technical details about your device, what you were trying to do when the error happened, and other technical information relating to the problem. You may or may not receive notice of such errors, even in the moment they occur, that they have occurred, or what the nature of the error is.

Please be aware that while this information may not be personally identifying by itself, it may be possible to combine it with other data to personally identify individual persons.

Device Data

When you visit our website or interact with our services, we may automatically collect data about your device, such as:

  • Device Type
  • Operating system
  • Geo-location data

Data we collect can depend on the individual settings of your device and software. We recommend checking the policies of your device manufacturer or software provider to learn what information they make available to us.

Personal Information

We may ask for personal information - for example, when you submit content to us, when you subscribe to our newsletter or when you contact us — which may include one or more of the following:

  • Name
  • Email
  • Phone/mobile number

Legitimate Reasons for Processing Your Personal Information

We only collect and use your personal information when we have a legitimate reason for doing so. In which instance, we only collect personal information that is reasonably necessary to provide our services to you.

Collection and Use of Information

We may collect personal information from you when you do any of the following on our website:

  • Sign up to receive updates from us via email or social media channels
  • Use a mobile device or web browser to access our content
  • Contact us via email, social media, or on any similar technologies
  • When you mention us on social media

We may collect, hold, use, and disclose information for the following purposes, and personal information will not be further processed in a manner that is incompatible with these purposes:

  • to provide you with our platform's core features and services
  • to contact and communicate with you
  • for analytics, market research, and business development, including to operate and improve our website, associated applications, and associated social media platforms
  • to send you marketing and promotional communications. To opt out of these communications, please see “Your rights and controlling your personal information"
  • to comply with our legal obligations and resolve any disputes that we may have

We may combine voluntarily provided and automatically collected personal information with general information or research data we receive from other trusted sources. For example, Our marketing and market research activities may uncover data and insights, which we may combine with information about how visitors use our site to improve our site and your experience on it.

Security of Your Personal Information

When we collect and process personal information, and while we retain this information, we will protect it within commercially acceptable means to prevent loss and theft, as well as unauthorised access, disclosure, copying, use or modification.

Although we will do our best to protect the personal information you provide to us, we advise that no method of electronic transmission or storage is 100% secure and no one can guarantee absolute data security.

You are responsible for selecting any password and its overall security strength, ensuring the security of your own information within the bounds of our services. For example, ensuring you do not make your personal information publicly available via our platform.

How Long We Keep Your Personal Information

We keep your personal information only for as long as we need to. This time period may depend on what we are using your information for, in accordance with this privacy policy. For example, if you have provided us with personal information such as an email address when contacting us about a specific enquiry, we may retain this information for the duration of your enquiry remaining open as well as for our own records so we may effectively address similar enquiries in future. If your personal information is no longer required for this purpose, we will delete it or make it anonymous by removing all details that identify you.

However, if necessary, we may retain your personal information for our compliance with a legal, accounting, or reporting obligation or for archiving purposes in the public interest, scientific, or historical research purposes or statistical purposes.

Children’s Privacy

We do not aim any of our products or services directly at children under the age of 13 and we do not knowingly collect personal information about children under 13.

Disclosure of Personal Information to Third Parties

We may disclose personal information to:

  • a parent, subsidiary or affiliate of our company
  • third-party service providers for the purpose of enabling them to provide their services, including (without limitation) IT service providers, data storage, hosting and server providers, analytics, error loggers, debt collectors, maintenance or problem-solving providers, professional advisors, and payment systems operators
  • our employees, contractors, and/or related entities
  • our existing or potential agents or business partners
  • credit reporting agencies, courts, tribunals, and regulatory authorities, in the event you fail to pay for goods or services we have provided to you
  • courts, tribunals, regulatory authorities, and law enforcement officers, as required by law, in connection with any actual or prospective legal proceedings, or in order to establish, exercise, or defend our legal rights
  • third parties, including agents or sub-contractors who assist us in providing information, products, services, or direct marketing to you
  • third parties to collect and process data
  • an entity that buys, or to which we transfer all or substantially all of our assets and business

Third parties we currently use include:

  • Google Analytics

Your Rights and Controlling Your Personal Information

Your choice: By providing personal information to us, you understand we will collect, hold, use, and disclose your personal information in accordance with this privacy policy. You do not have to provide personal information to us, however, if you do not, it may affect your use of our website or the products and/or services offered on or through it.

Information from third parties: If we receive personal information about you from a third party, we will protect it as set out in this privacy policy. If you are a third party providing personal information about somebody else, you represent and warrant that you have such person’s consent to provide the personal information to us.

Marketing permission: If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by contacting us using the details below.

Access: You may request details of the personal information that we hold about you.

Correction: If you believe that any information we hold about you is inaccurate, out of date, incomplete, irrelevant, or misleading, please contact us using the details provided in this privacy policy. We will take reasonable steps to correct any information found to be inaccurate, incomplete, misleading, or out of date.

Non-discrimination: We will not discriminate against you for exercising any of your rights over your personal information. Unless your personal information is required to provide you with a particular service or offer (for example providing user support), we will not deny you goods or services and/or charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties, or provide you with a different level or quality of goods or services.

Notification of data breaches: We will comply with laws applicable to us in respect of any data breach.

Complaints: If you believe that we have breached a relevant data protection law and wish to make a complaint, please contact us using the details below and provide us with full details of the alleged breach. We will promptly investigate your complaint and respond to you, in writing, setting out the outcome of our investigation and the steps we will take to deal with your complaint. You also have the right to contact a regulatory body or data protection authority in relation to your complaint.

Opt out of communications: You may opt out of receiving communications from us, including marketing and promotional messages, at any time. To do so, use the opt-out facilities provided in the communication. For example, you can click the “unsubscribe” link included in any marketing email we send you, reply “STOP” to any SMS messages we send you, visit https://www.saccoins.com/, or contact us at directly using the contact information provided in this privacy policy. In certain cases, we may request additional information to verify your identity before processing your opt-out request.

Please be aware that even if you opt out of communications, we may still contact you when necessary for non-promotional purposes, including, but not limited to, managing your account, responding to service inquiries, or providing important updates related to your use of our services.

Use of Cookies

We use "cookies" to collect information about you and your activity across our site. A cookie is a small piece of data that our website stores on your computer, and accesses each time you visit, so we can understand how you use our site. This helps us serve you content based on preferences you have specified.

Please refer to our Cookie Policy for more information.

Business Transfers

If we or our assets are acquired, or in the unlikely event that we go out of business or enter bankruptcy, we would include data, including your personal information, among the assets transferred to any parties who acquire us. You acknowledge that such transfers may occur, and that any parties who acquire us may, to the extent permitted by applicable law, continue to use your personal information according to this policy, which they will be required to assume as it is the basis for any ownership or use rights we have over such information.

Limits of Our Policy

Our website may link to external sites that are not operated by us. Please be aware that we have no control over the content and policies of those sites, and cannot accept responsibility or liability for their respective privacy practices.

Changes to This Policy

At our discretion, we may change our privacy policy to reflect updates to our business processes, current acceptable practices, or legislative or regulatory changes. If we decide to change this privacy policy, we will post the changes here at the same link by which you are accessing this privacy policy.

If required by law, we will get your permission or give you the opportunity to opt in to or opt out of, as applicable, any new uses of your personal information.

Additional Disclosures for U.S. States Privacy Law Compliance.

The following section includes provisions that comply with the privacy laws of these states (California, Colorado, Delaware, Florida, Virginia, and Utah) and is applicable only to the residents of those states. Specific references to a particular state (in a heading or in the text) are only a reference to that state's law and applies only to that state's residents. Non-state specific language applies to all of the states listed above.

Do Not Track

Some browsers have a "Do Not Track" feature that lets you tell websites that you do not want to have your online activities tracked. At this time, we do not respond to browser "Do Not Track" signals.

We adhere to the standards outlined in this privacy policy, ensuring we collect and process personal information lawfully, fairly, transparently, and with legitimate, legal reasons for doing so.

Cookies and Pixels

At all times, you may decline cookies from our site if your browser permits. Most browsers allow you to activate settings on your browser to refuse the setting of all or some cookies. Accordingly, your ability to limit cookies is based only on your browser’s capabilities. Please refer to the Cookies section of this privacy policy for more information.

California Privacy Laws - CPPA

Under California Civil Code Section 1798.83, if you live in California and your business relationship with us is mainly for personal, family, or household purposes, you may ask us about the information we release to other organizations for their marketing purposes. In accordance with your right to non-discrimination, we may offer you certain financial incentives permitted by the California Consumer Privacy Act, and the California Privacy Rights Act (collectively, CCPA) that can result in different prices, rates, or quality levels for the goods or services we provide. Any CCPA-permitted financial incentive we offer will reasonably relate to the value of your personal information, and we will provide written terms that describe clearly the nature of such an offer. Participation in a financial incentive program requires your prior opt-in consent, which you may revoke at any time.

Under California Civil Code Section 1798.83, if you live in California and your business relationship with us is mainly for personal, family, or household purposes, you may ask us about the information we release to other organizations for their marketing purposes. To make such a request, please contact us using the details provided in this privacy policy with “Request for California privacy information” in the subject line. You may make this type of request once every calendar year. We will email you a list of categories of personal information we revealed to other organisations for their marketing purposes in the last calendar year, along with their names and addresses. Not all personal information shared in this way is covered by Section 1798.83 of the California Civil Code.

California Notice of Collection

In the past 12 months, we have collected the following categories of personal information enumerated in the CCPA:

  • Identifiers, such as name, email address, phone number, account name, IP address, and an ID or number assigned to your account.
  • Geolocation data.

For more information on information we collect, including the sources we receive information from, review the “Information We Collect” section. We collect and use these categories of personal information for the business purposes described in the “Collection and Use of Information” section, including to provide and manage our Service.

Right to Know and Delete

You have rights to delete your personal information we collected and know certain information about our data practices in the preceding 12 months. In particular, you have the right to request the following from us:

  • The categories of personal information we have collected about you;
  • The categories of sources from which the personal information was collected;
  • The categories of personal information about you we disclosed for a business purpose or sold;
  • The categories of third parties to whom the personal information was disclosed for a business purpose or sold;
  • The business or commercial purpose for collecting or selling the personal information; and
  • The specific pieces of personal information we have collected about you.

To exercise any of these rights, please contact us using the details provided in this privacy policy.

Shine the Light

In addition to the rights discussed above, you have the right to request information from us regarding the manner in which we share certain personal information as defined by applicable statute with third parties and affiliates for their own direct marketing purposes.

To receive this information, send us a request using the contact details provided in this privacy policy. Requests must include “Privacy Rights Request” in the first line of the description and include your name, street address, city, state, and ZIP code.

Contact Us

For any questions or concerns regarding your privacy, you may contact us using the following details:

Sacco & Sacco Insurance Brokers LLC
https://www.saccoins.com/contact/

Terms of Service

Terms and Conditions

Last updated on September 23, 2026.

We're Sacco & Sacco Insurance Brokers LLC ("we", "us", or "our"), trading as Sacco & Sacco Insurance Brokers LLC, a company registered in California, USA, and these Terms and Conditions (our "Terms") form a legally binding agreement between you and us.

Key Definitions

"Services" means all services provided by us that link to these Terms, including our website; and the content provided, generated, or made available for or in relation to our Services (our "Materials").

"You" ("your", the "customer", or the "user") means any individual using our Services, including any employees, agents, contractors, or other persons accessing our Services with your authorization.

"Using our Services" means interacting with our Services in any way, including: accessing, browsing, providing or transmitting any other information, content, materials, or instructions through our Services, integrating with our Services, or doing so directly or through automated tools, scripts, software, or third-party applications.

Agreement to These Terms

By using our Services, you agree to be bound by these Terms, as well as our Privacy Policy and any other policies referenced within, which are expressly incorporated into these Terms. If you do not agree, you may not use our Services.

Our Services are intended for users aged 18 or older, or above the age of majority in their jurisdiction, whichever is higher. Persons below this age may not use our Services. If we become aware that a user is below the required age, we may suspend or terminate their access to our Services immediately and without liability.

By using our Services, you acknowledge and agree that:

  • you are at least 18 years old (or the age of majority in your location, whichever is higher);
  • you have the legal capacity to enter into these Terms, and if you are representing an organization or other legal entity, you have the authority to bind that entity;
  • the information you provide to us is, and will remain, accurate, complete, and current;
  • and you are not located in, ordinarily resident in, or organized under the laws of any jurisdiction subject to comprehensive sanctions or embargoes, and you are not a blocked, denied, or otherwise restricted party under applicable sanctions or export control lists.

If you do not meet these requirements, you must not use our Services.

Conditions of Use

By using our Services, you warrant on behalf of yourself, your users, and other parties you represent that you will not:

  • Modify, copy, prepare derivative works of, decompile, or reverse engineer any Materials, software, or content provided through our Services, without prior written permission from us.
  • Remove, alter, or obscure any copyright, trademark, or other proprietary notations on any Materials, software available through our Services.
  • Transfer, distribute, or "mirror" any part of our Services' Materials to another server or person without explicit authorization from us.
  • Use our Services in a manner that knowingly or negligently disrupts or abuses our networks or any other services provided by us.
  • Transmit, distribute, or post any harassing, indecent, obscene, fraudulent, or unlawful material through our Services.
  • Use our Services in violation of any applicable local, state, national, or international laws or regulations.
  • Engage in unauthorized advertising or spam activities using our Services.
  • Harvest, collect, or gather user data without the explicit consent of the user or in violation of our Privacy Policy.
  • Use our Services in a manner that infringes, misappropriates, or violates the privacy rights, intellectual property rights, or other rights of our company or any third party.
  • Use automated scripts or technologies, including bots or data mining tools, to access, scrape, or extract data from our Services without explicit consent from us.
  • Attempt to gain unauthorized access to any portion of our Services or any related systems or networks.
  • Engage in any conduct that restricts or inhibits any other user from using or enjoying our Services, or which, in our judgment, exposes our company or any of its users to any liability or detriment of any kind.
  • Access, use, export, re-export, transfer, or otherwise make available our Services or any underlying software, technology, or content in violation of any applicable export control, trade, or economic sanctions laws.
  • Hide or misrepresent your identity, including by using false names, impersonating others, or concealing your status as a sanctioned or restricted party.
  • Take advantage of any feature or functionality that a reasonable person would consider to be an obvious omission, bug, or error.
  • Attempt to circumvent or bypass any functionalities, restrictions, usage limits, paywalls, geo-restrictions, or access features of our Services.

Failure to comply with these limitations may result in the suspension or termination of your access and rights to our Services, as well as any other legal remedies available to us.

Changes to Our Terms

We reserve the right to amend, remove, or vary these Terms at any time. Non-material changes may be effective immediately. For material changes, we may require you to re-accept the Terms to continue using our Services. We will provide you with reasonable notice as legally required, by any reasonable means, and such changes will become effective after the notice period. Changes required by applicable law or emergency may take effect immediately regardless of materiality.

Your continued access to or use of our Services after the effective date of any modifications constitutes your acknowledgment of and agreement to be bound by the revised Terms.

Your Statutory Rights

Every clause in these Terms applies in full, except where a mandatory provision of applicable law requires otherwise. Nothing in these Terms limits, excludes, or modifies any mandatory rights, protections, or remedies you may have under the laws that apply to you.

Service Updates and Changes

We may update, modify, or improve our Services from time to time. These updates may include technical adjustments, security enhancements, performance improvements, changes to features, or adaptations required to comply with legal or regulatory requirements. We reserve the right to implement updates at any time and for any reason, whether temporarily or permanently, with or without notice, and without liability to you or any third party, to the maximum extent permitted by applicable law.

You acknowledge that our Services may contain errors, bugs, or interruptions. We have no obligation to provide notice of, or correct, update, modify, maintain, or repair any aspect of our Services, except as required by applicable law.

Discontinuation

We reserve the right to suspend or discontinue all or part of the Services where reasonably necessary for legal, security, operational, or business reasons. Where practicable, we will provide reasonable notice before discontinuing a Service.

Temporary Interruptions

We aim to keep the Services available and reliable. However, the Services may occasionally be unavailable due to scheduled maintenance, updates, technical issues, or circumstances beyond our reasonable control. We are not liable for any loss or damage arising from temporary interruptions to the Services, to the maximum extent permitted by applicable law.

Data Processing

By accessing our Services, you acknowledge our collection and analysis of usage metrics, service interaction patterns, and operational data across our user base in accordance with our Privacy Policy and applicable data protection laws. We may aggregate and anonymize this information for analytical purposes, research, product development, and industry insights. All such aggregated and anonymized data, once processed to remove identifying characteristics, becomes our proprietary information and may be utilized, disclosed, or published at our discretion. This aggregated data will not include information that could reasonably identify you as an individual user. Additionally, we reserve the right to leverage non-identifying information you provide through the Services to enhance functionality, promote our services, optimize user experience, and refine our service offerings.

Intellectual Property

We retain sole ownership of all intellectual property ("IP") rights in and to our Services, our Materials, and any proprietary rights inherent in and to our Services. These rights are protected by international intellectual property laws and treaties and apply worldwide.

Nothing in these Terms shall be interpreted as transferring to you any rights, interest, or title in our company or Services, except as explicitly stated in these Terms.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use our Services solely for your personal or internal business purposes.

All rights not expressly granted to you are reserved by Sacco & Sacco Insurance Brokers LLC and its licensors.

Use of Our Brand and Materials

If you publicly publish or distribute materials generated by or exported from our Services, you must include reasonable attribution to us, such as a visible credit or link to our website, unless we provide specific attribution guidelines, in which case those guidelines apply.

You may refer to our company name and brand in a factual and truthful manner. You must not use our name, logo, trademarks, or other brand assets in any way that implies endorsement, sponsorship, or affiliation with us without our prior written consent.

Copyright Infringement Notice

We respect the intellectual property rights of others, and we ask that everyone using our Services does the same. If you believe that your work has been reproduced on our Services in a way that constitutes copyright infringement, please let us know using the contact details at the base of these terms.

By submitting a copyright infringement claim, you acknowledge that making a false claim could make you liable for any resulting damages under applicable law. If you're unsure whether your claim is valid, we recommend that you seek legal advice before proceeding.

User-Generated Content

"User-Generated Content" refers to any content, materials, information, feedback, ideas, suggestions, feature requests, reviews, or communications that you submit, post, upload, share, or otherwise provide to us or through our Services, whether publicly or privately.

By submitting User-Generated Content to us or through our Services, you grant us a non-exclusive, royalty-free, transferable, sub-licensable, worldwide license to use, distribute, modify, run, copy, publicly display, translate, or otherwise create derivative works of your content in a manner that is consistent with your privacy preferences and our Privacy Policy. This includes, without limitation, the right to use feedback, ideas, suggestions, and feature requests to develop, improve, and promote our Services without any obligation or compensation to you.

You retain your intellectual property ownership rights over your User-Generated Content. By submitting User-Generated Content, you represent and warrant that you own or have the necessary rights, licenses, and permissions to grant the license above, and that your content does not infringe, misappropriate, or violate the rights of any third party.

We reserve the right to review, edit, refuse, or remove any User-Generated Content at our sole discretion and without notice.

Accuracy of Materials

We aim to ensure that all information found on our Services is accurate and up to date. However, occasional errors, inaccuracies, or omissions may occur. We reserve the right to correct such errors and update information at any time. We do not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on this website, or otherwise relating to such materials or on any resources linked to this website.

Service Descriptions

The descriptions of our Services published on our website are intended to accurately represent what is offered. However, the nature and scope of our Services may vary depending on your requirements, and minor differences between published descriptions and the Services as delivered do not constitute a breach of these Terms.

Review Guidelines

We value and encourage authentic reviews, but before you leave a review on our Services, please ensure you do not post content that violates our Terms or the review guidelines laid out below.

When leaving a review on our Services:

  • Only submit a review if you have used our Services.
  • Only share honest feedback that is based on your own personal experience.
  • Do not make deceptive or inaccurate claims, or make false representations.
  • Do not include fraudulent, misleading, abusive, or defamatory content.
  • Do not share full names, URLs, phone numbers, email addresses, physical addresses, or other forms of contact information.

Non-Compliant Reviews

If a review violates these Terms or our review guidelines, we may remove it. Users who repeatedly break these rules may lose their ability to leave reviews, and we may take additional action if necessary.

Please report any non-compliant reviews using the contact details at the base of these Terms.

Artificial Intelligence (AI) Policy

From time to time, our team may use Artificial Intelligence ("AI") to support the provision, improvement, or operation of our Services. Where we do so, we process data and deploy such systems in accordance with applicable laws and regulatory requirements.

We use AI for:

  • Personalization.
  • Customer support.
  • Content generation.
  • Transcribing and summarizing meeting notes.
  • Data entry and administrative tasks.

By using our Services, you acknowledge and agree to our use of AI.

Our Commitment to the Responsible Use of AI

When AI is involved, we put humans in charge of the important decisions. We protect the information that flows through our systems and regularly check our tools for errors, bias, or unintended side effects.

We do not, and will not, use AI technologies for:

  • any purpose that violates applicable laws or regulations;
  • any use that poses an unacceptable or disproportionate risk to the rights or safety of any natural person;
  • social scoring or influencing behavior in harmful or exploitative ways;
  • real-time biometric identification in publicly accessible spaces for surveillance, except where expressly permitted by applicable law for legitimate public safety purposes;
  • emotion recognition or biometric categorization in employment, education, or any other context where such use could result in discrimination or unfair treatment, unless expressly permitted by applicable law;
  • systems intended to deceive or manipulate individuals through subconscious techniques or by exploiting age, disability, or other vulnerabilities;
  • or any application that infringes upon your fundamental human rights, dignity, or freedoms as recognized by international standards;

Accessibility Statement

We are committed to ensuring that our Services are accessible to everyone. This includes making an active and ongoing effort to remove accessibility barriers from our Services and to maintaining our compliance with global accessibility standards and regulations.

To guide us in making our Services more inclusive and accessible, we follow the Web Content Accessibility Guidelines (WCAG 2.2) level A, with which we are currently compliant.

As our Services evolve, new content or updates may unintentionally introduce accessibility issues that we are not yet aware of. We actively monitor our Services to identify and resolve such issues. If you encounter an accessibility barrier, please let us know using the contact details at the base of these Terms.

How to Send Us Accessibility Feedback

Please send all accessibility feedback to our team using the contact details at the base of these Terms. You can share a description of the accessibility barrier you encountered, the specific webpage or URL where it happened, details about your device and any assistive technology you're using (if relevant), and anything else you think might help us understand and fix the problem. We will respond to you as quickly as possible.

Links

We may provide links to third-party websites, applications, or resources ("Linked Sites") for your convenience. However, we don't control, review, monitor, or endorse these Linked Sites or their content, and we can't make any promises about their availability, accuracy, reliability, or suitability. When you access and use Linked Sites, you're doing so at your own risk, and we won't be responsible for any damages or losses that arise from your use of or reliance on any Linked Site.

We reserve the right to remove or disable links to any Linked Site at any time without notice or liability. When you access any Linked Site, you acknowledge that you're leaving our platform and that different terms of use and Privacy Policies may apply to your use of those Linked Sites.

Events Outside Our Control (Force Majeure)

We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under these Terms that is caused by circumstances outside our reasonable control ("Force Majeure Events"). Force Majeure Events include, but are not limited to, acts of God, natural disasters, internet outages, cyberattacks, strikes, and failures of third-party services.

Upon the occurrence of a Force Majeure Event, we will use commercially reasonable efforts to promptly notify you through any reasonable means about the nature of the event and its expected impact on our Services, to the extent practicable under the circumstances. Any delay or failure to provide such notification due to the Force Majeure Event itself shall not constitute a breach of this agreement or result in any additional liability to us. The affected obligations will be suspended for the duration of the Force Majeure Event, and any performance deadlines will be automatically extended by a period equal to the duration of the delay plus a reasonable period for resuming activities.

Disclaimer of Warranties

Our Services are provided on an "as is" and "as available" basis. To the maximum extent permitted by applicable law, we make no warranties or representations of any kind, express or implied, and we disclaim all implied warranties and conditions, including without limitation any implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, non-infringement, and any warranty arising from course of dealing or usage of trade.

Without limiting the foregoing, we do not warrant that our Services will be uninterrupted, error-free, timely, secure, free of viruses or other harmful components, or that any defects will be corrected; that the Services will meet your requirements or expectations; or that any information or content available through the Services is accurate, complete, or reliable.

Limitation of Liability

The following limitations apply to the maximum extent permitted by applicable law. Where any limitation is partially or wholly unenforceable, it applies to the maximum extent that is enforceable.

In no event will we, our affiliates, suppliers, licensors, agents, officers, directors, or employees be liable to you or any third party for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, business, goodwill, opportunity, savings, reputation, use, or data, arising out of or in connection with these Terms or your use of (or inability to use) our Services, regardless of whether the claim is brought in contract, tort (including negligence), breach of statutory duty, indemnity, equity, or otherwise, and even if we have been advised of the possibility of such damages.

Our total aggregate liability to you arising out of or in connection with these Terms or your use of our Services, regardless of the cause of action, will not exceed the greater of (a) the total amounts paid by you to us preceding the event giving rise to the claim, or (b) mpkwali0-x9idrhsjr8a.

Nothing in these Terms limits or excludes our liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability that cannot be limited or excluded under applicable law.

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, some of the above limitations may not apply to you in their entirety, and our liability is limited to the maximum extent permitted by applicable law.

Indemnification

You agree to indemnify, defend, and hold harmless our company, our affiliates, and our respective officers, directors, employees, agents, licensors, suppliers, successors, and assigns ("Indemnified Parties") from all claims, losses, damages, penalties, fines, costs, and expenses (including reasonable legal fees and costs) arising out of or related to:

  • your access to or use of our Services, including content, services, or features provided therein;
  • your breach or alleged breach of these Terms or any applicable laws, regulations, or regulatory requirements;
  • your violation or alleged violation of any third-party rights, including without limitation intellectual property rights, privacy rights, publicity rights, or contractual rights;
  • your negligence, gross negligence, willful misconduct, fraud, or fraudulent misrepresentation;
  • any disputes, issues, or claims between you and any third party arising from your use of our Services;
  • any transactions or relationships between you and any third parties in connection with our Services;
  • and any security breaches, unauthorized access, or data incidents resulting from your actions or omissions.

This indemnification obligation includes, without limitation, claims related to: (a) allegations of non-compliance with data protection, privacy, or consumer protection laws; (b) infringement or misappropriation arising from customized content, configurations, or implementations; and (c) any representations, warranties, or guarantees you make regarding our Services to third parties.

You will cooperate promptly and fully in the defense of any such claim at your own expense. We reserve the right, at our sole discretion, to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to assist and cooperate with us in asserting any available defenses and to promptly reimburse us for all reasonable costs and expenses incurred in connection with such defense. You may not settle, compromise, or make any admission of liability in connection with any claim subject to this indemnification without our prior written consent.

To the extent permitted by applicable law, this indemnification obligation (a) survives the termination or expiration of these Terms or your use of our Services, and (b) is independent of any other rights or remedies available to the Indemnified Parties. In jurisdictions where such indemnification provisions are limited or unenforceable, this section applies only to the maximum extent permitted by law and does not affect any non-excludable statutory rights you may have. The Indemnified Parties reserve all rights and remedies available at law or in equity and may seek injunctive relief or specific performance in addition to monetary damages.

Dispute Resolution

By accepting these Terms, you agree that any disputes, claims, or issues related to these Terms, our Services, or your use of them (collectively, "Disputes") will be governed by the laws of United States of America (the) ("Governing Law"), without regard to conflict of law principles, and resolved in accordance with this section.

Before commencing litigation, you must first provide written notice of the Dispute to us using the contact details at the base of these terms, including a detailed description of the nature of the Dispute and the relief sought. We will attempt to resolve the Dispute informally through negotiation within mp6oadoc-a52vai8iv24 days from the date of your written notice. If the Dispute cannot be resolved within this period, either party may proceed with litigation.

Injunctive Relief

Notwithstanding the other terms in this section, we have the right to seek injunctive relief against any unauthorized use or abuse of our Services, unauthorized disclosure of confidential information, or intellectual property infringement, and the right to pursue an enforcement action without first engaging in the dispute resolution process described in this section.

Individual Disputes Only

To the extent permitted by applicable law, you agree to resolve any and all Disputes on an individual basis and not as part of a class, representative, or consolidated action.

Miscellaneous

Severability

If any provision of these Terms is found by a court or competent authority to be invalid, unlawful, or unenforceable, that provision shall be deemed removed to the extent necessary, and the remaining provisions shall remain in full force and effect.

If the removal of a provision materially affects the balance of rights and obligations under these Terms, we may amend the affected provision to the extent necessary to make it lawful, while preserving its original purpose as closely as possible.

Waiver

No waiver of any breach, default, or right under these Terms shall be effective unless expressly made in writing and signed by an authorized representative of the waiving party. Our failure or delay in exercising any right or remedy under these Terms shall not operate as a waiver, impair future rights to strict performance, or affect any other available rights or remedies.

Entire Agreement

These Terms, together with our Privacy Policy and any mandatory pre-contractual information, form the agreement between you and us regarding our Services. They replace any prior discussions or communications relating to the same subject matter.

Nothing in these Terms limits or excludes any rights you have under applicable consumer protection, unfair commercial practices, or data protection laws. If any information we provide to you before entering into the contract is required by law to form part of the contract, it will remain binding.

We may update these Terms in accordance with the "Changes to Our Terms" section. We are not bound by any other term or condition you propose in any correspondence, purchase order, or document, regardless of whether we expressly object to it. Any other changes must be agreed in writing.

Notices

You may contact us at any time using the contact details at the base of these Terms. Where these Terms require notice in writing, email is sufficient unless mandatory law requires another method. A notice is considered received when it is sent, provided there is no indication that delivery has failed.

Assignment

You may not transfer your rights or obligations under these Terms to another person without our prior written consent, unless such transfer is permitted by applicable law.

We may transfer our rights and obligations under these Terms to another company, including in connection with a merger, acquisition, corporate reorganization, or sale of assets. If we do so, we will ensure that your rights under these Terms are not reduced as a result of the transfer. Where required by law, we will inform you of such transfer.

Interpretation

In these Terms, "including" means "including but not limited to."

The authoritative version of these Terms is the original English (US) version, which shall prevail over any translation in the event of a conflict. Any translations are provided purely for convenience, and we are not responsible for errors or inconsistencies in them.

Headings in these Terms are for convenience only and do not affect the interpretation of any provision.

Survival

Any provision of these Terms that by its nature or express terms should survive the expiration or termination of these Terms will survive, including any accrued rights and obligations.

Contact Information

Please direct all communications regarding these Terms to: Sacco & Sacco Insurance Brokers LLC
https://saccoins.com/contact/