Thank you for visiting www.pearsonravitz.com (the “Website”), which is owned and operated by Pearson Ravitz, LLC d/b/a Pearson Ravitz Insurance Agency (“PearsonRavitz”). PearsonRavitz provides insurance brokerage and consulting services with a focus on disability and life insurance.
About the Website and the Secure Intake Form
Additionally, after we’ve had an initial phone call with you, we may send you a link to a secure intake form via e-mail, which you may use to begin your engagement with us and to submit certain information to us, including your name, address, phone number, marital status, birthday, medical history, employment history, and income information (“Secure Intake Form”). After we’ve reviewed your submitted Secure Intake Form, we may provide you with a link to create username and password and access an online portal, which allows you to upload and manage documentation and forms used in connection with your application for certain insurance coverage (the “Portal”). Through the Portal you may: (i) access and view documentation requests and forms, and the due dates thereof; (ii) upload and submit documentation; and (iii) fill out forms with information such as your name, address, sex, marital status, social security number, driver’s license number as well as particular employment, financial, and medical information.
You Must Be At Least 18 Years of Age
By using, registering, and/or providing any information to us on the Website, the Portal, the Secure Intake Form or via email, you certify that you are at least eighteen (18) years of age. We do not collect personally identifiable information from any person whom we actually know is under the age of eighteen (18).
Products or Services Offered
While we provide insurance consulting and brokerage services, PearsonRavitz is not an insurance company and assumes no underwriting, insurance or claim reimbursement risk. Additionally, PearsonRavitz does not process or manage insurance claims. The insurance products offered through PearsonRavitz are underwritten by insurance companies that are not affiliated with us and those insurance companies or others on their behalf manage insurance claims under the policies they issue. Additionally, the submission of completed documentation to us through the Portal does not automatically result in a binding coverage agreement.
The services and/or products described on the Website are continuously being updated and changed and it is possible that some of the services and/or products advertised on the Website may not be available at a particular time. Additionally, we make no representation that materials on the Website are appropriate or available for use in any particular location. The insurance products and services described on the Website are only intended for persons and entities in the states and jurisdictions of the United States where these insurance products and services may legally be sold. Nothing on the Website shall be considered a solicitation to buy or an offer to sell any products or services in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful. PearsonRavitz is not responsible to you, or to any other party, if a product or service displayed on the Website is not available for purchase at any particular time or if a product or service varies from a description provided on the Website.
Existing Insurance Coverage
If you intend to purchase insurance, do not cancel any existing insurance until you received written confirmation form the insurance company to which you are applying that your new policy is in effect.
The Portal and some portions of the Website may be restricted and may require users to create an account (“Account”) and obtain a user name and password to gain access. If you create an Account on the Website or the Portal, you must treat your user name, password and any other information related to your Account (“Account Information”) as confidential, and you must not disclose it to any other person or entity. You acknowledge that your Account is personal to you and, except as provided herein, you agree not to provide any other person with access to your Account with access to your Account Information or other security information.
You are responsible for all activity performed and transactions entered into on or through your Account, and you agree that we may treat any activity performed or transaction entered into on or through your Account as authorized by you unless you notify us in a timely manner of unauthorized activity.
You agree to notify us immediately of any unauthorized access to your Account, use of your user name or password or any other breach of security. You also agree to ensure that you exit from your Account at the end of each session. You should refrain from accessing your Account from public or shared computers, and should only access your Account from a personal computer. When accessing other parts of the Website using public or shared computers, you should use particular caution when logging into and using your Account, and when submitting Personally Identifiable Information through the Website so that others are not able to view or record your password, Account Information, or other information on your Account or otherwise.
You represent that all of the information, data, and other materials that you provide on the Website, on the Portal, through the Secure Intake Form, via e-mail or to PearsonRavitz through any other means, are true, accurate, and complete. You are responsible for updating and correcting the information you have provided on the Website, on the Portal, through the Secure Intake Form, via e-mail or to PearsonRavitz through any other means, as appropriate.
You must not use the Website, the Portal, or the Secure Intake Form: (a) to violate any local, state, national or international law or regulation, including but not limited to the Gramm-Leach Bliley Financial Modernization Act, Health Insurance Portability and Accountability Act of 1996 (“HIPAA”), as well as other applicable data security and privacy laws and regulations; or (b) to interfere with or disrupt the servers or networks connected to the Website, the Portal, or to the Secure Intake Form, or disobey any requirements, procedures, policies or regulations of networks connected to the Website, the Portal, or the Secure Intake Form.
Unless otherwise indicated, the Website, the Portal, and the Secure Intake Form and their design, text, content, selection and arrangement of elements, organization, graphics, compilation, magnetic translation, digital conversion and other matters related to the Website are protected under applicable copyright, trademark and other proprietary laws, including but not limited to those of the United States, and all rights therein are the property of PearsonRavitz or the material is included with the permission of the rights owner.
You acknowledge that PearsonRavitz owns all right, title and interest in and to all of the information on the Website, the Portal, and/or the Secure Intake Form, and all underlying software and technology, including without limitation all Intellectual Property Rights, or that the material is included with the permission of the rights owner. “Intellectual Property Rights” means any and all rights existing from time to time under patent law, copyright law, trade secret law, trademark law, unfair competition law, any and all other proprietary rights, and any and all applications, renewals, extensions and restorations thereof, now or hereafter in force and effect worldwide.
TRADEMARKS. Certain of the names, logos, and other materials displayed on the Website, the Portal, and the Secure Intake Form, constitute trademarks, tradenames, service marks or logos (“Marks”) of PearsonRavitz or other entities. You are not authorized to use any such Marks. Ownership of all such Marks and the goodwill associated therewith remains with PearsonRavitz or those other entities.
Linking to the Website and Links from the Website
You may link to the homepage of the Website provided that you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. However, you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.
The Website may include links to other sites and resources provided by third parties, such as links to our accounts on Facebook, Twitter, and LinkedIn. We have no control over the content of third-party sites and accept no responsibility for them or for any loss or damage that may arise from your use of such sites. If you decide to access any third-party websites linked to the Website, you do so entirely at your own risk and subject to the terms and conditions of use of such websites.
The Website, the Portal, and/or the Secure Intake Form may be available via mobile devices. When accessing the Website, the Portal, and/or the Secure Intake Form through a mobile device, you agree to be responsible for all of your wireless service carrier’s standard charges, data rates and other applicable fees. You agree that your use of the Website, the Portal, and the Secure Intake Form will comply with the usage rules established by your service provider and agree to be solely and fully liable to the extent your use of the Website do not comply with such usage rules.
Limitation of Liability and Disclaimer of Warranties
WE TAKE REASONABLE MEASURES TO ENSURE THAT THE INFORMATION PRESENTED ON AND THROUGH THE WEBSITE IS ACCURATE AND COMPLETE. HOWEVER, THE INFORMATION PRESENTED ON OR THROUGH THE WEBSITE IS MADE AVAILABLE SOLELY FOR GENERAL INFORMATION PURPOSES. WE MAKE NO GUARANTEES, REPRESENTATIONS OR WARRANTIES, WHETHER EXPRESSED OR IMPLIED, WITH RESPECT TO: (I) THE ACCURACY, COMPLETENESS, OR USEFULNESS OF THE INFORMATION PRESENTED ON THE WEBSITE, INCLUDING, BUT NOT LIMITED TO INFORMATION RELATED TO LIFE, HEALTH OR DISABILITY INSURANCE, INSURANCE POLICIES, PRICE OR COST INFORMATION OR OTHER CONTENT OR INFORMATION MADE AVAILABLE THROUGH THE WEBSITE; (II) THE QUALITY AND SECURITY OF THE WEBSITE, THE SECURE INTAKE FORM, OR THE PORTAL; (III) THE ABILITY TO ACCESS THE WEBSITE, THE SECURE INTAKE FORM, THE PORTAL OR THE CONTENT THEREOF, OR YOUR ABILITY TO PURCHASE ANY SERVICE DISPLAYED ON THE WEBSITE; (IV) WHETHER THE WEBSITE, THE PORTAL, OR THE SECURE INTAKE FORM WILL BE FREE OF VIRUSES, UNAUTHORIZED CODE OR OTHER HARMFUL COMPONENTS.
YOU ARE RESPONSIBLE FOR TAKING ALL PRECAUTIONS YOU BELIEVE NECESSARY OR ADVISABLE TO PROTECT YOU AGAINST ANY CLAIM, DAMAGE, LOSS OR HAZARD THAT MAY ARISE BY VIRTUE OF YOUR USE OF THE WEBSITE, THE PORTAL, OR THE SECURE INTAKE FORM. WHEN USING THE WEBSITE, THE PORTAL, OR THE SECURE INTAKE FORM, INFORMATION WILL BE TRANSMITTED OVER A MEDIUM THAT IS BEYOND THE CONTROL OF PEARSONRAVITZ. ACCORDINGLY, PEARSONRAVITZ ASSUMES NO LIABILITY FOR OR RELATING TO THE DELAY, FAILURE, INTERRUPTION, OR CORRUPTION OF ANY DATA OR OTHER INFORMATION TRANSMITTED IN CONNECTION WITH USE OF THE WEBSITE, THE PORTAL AND/OR THE SECURE INTAKE FORM, AND YOU (AND NOT PEARSONRAVITZ) ASSUME THE ENTIRE COST OF ALL NECESSARY MAINTENANCE, REPAIR OR CORRECTION.
WE DO NOT ASSUME ANY LIABILITY RELATED TO YOUR USE OF ANY THIRD-PARTY WEBSITE LINKED TO THE WEBSITE OR OTHERWISE.
IN NO EVENT SHALL WE BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON ANY CONTENT AND/OR IN CONNECTION WITH THE PRODUCTS OR SERVICES MADE AVAILABLE TO YOU ON OR THROUGH THE WEBSITE. ANY RELIANCE YOU PLACE ON INFORMATION PROVIDED OR SERVICES RENDERED ON OR THROUGH THE WEBSITE IS AT YOUR OWN RISK. WE DISCLAIM ALL LIABILITY AND RESPONSIBILITY ARISING FROM ANY RELIANCE PLACED ON SUCH INFORMATION AND/OR ON OUR SERVICES BY YOU OR ANY OTHER VISITOR TO THE WEBSITE, OR BY ANYONE WHO MAY BE INFORMED OF THE CONTENTS OF THE WEBSITE.
SHOULD YOU PURCHASE A PRODUCT OFFERED THROUGH PEARSONRAVITZ, THE TERMS AND CONDITIONS APPLICABLE TO THAT TRANSACTION WILL GOVERN SUCH PURCHASE. YOUR USE OF THE WEBSITE, THE PORTAL, OR THE SECURE INTAKE FORM DOES NOT AFFECT THAT PURCHASE IN ANY MANNER.
Limitation of Damages and Remedies
SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL DAMAGES, OR LIMITATIONS UPON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. IN NO EVENT SHALL PEARSONRAVITZ BE LIABLE FOR ANY PERSONAL INJURY, INCLUDING DEATH, CAUSED BY YOUR USE OR MISUSE OF THE WEBSITE OR THE CONTENT OR ANY OF THE PRODUCTS AND/OR SERVICES OFFERED ON OR THROUGH THE WEBSITE.
PearsonRavitz is based in the United States of America and makes no claims that the Website, the Portal, or the Secure Intake Form are appropriate for, or may be accessed, downloaded or used by, persons residing outside of the United States of America. PearsonRavitz makes no representation that the Website, the Portal, or the Secure Intake Form are appropriate or may legally be used in the nation, state, province or other jurisdiction in which you reside, do business, or are incorporated or organized, and access to the Website, the Portal, and the Secure Intake Form are prohibited from jurisdictions where the Website, the Portal, the Secure Intake Form, and/or the content thereof, is illegal.
Those who choose to access the Website, the Portal, or the Secure Intake Form do so on their own initiative and are responsible for compliance with applicable laws and regulations, including but not limited to the Gramm-Leach Bliley Financial Modernization Act, Health Insurance Portability and Accountability Act of 1996 (“HIPAA ”), as well as other applicable data security and privacy laws and regulations. Access to the Website, the Portal, and/or the Secure Intake Form may not be legal by certain persons in certain countries. If you access the Website, the Portal, or the Secure Intake Form from outside the United States of America, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.
Jurisdiction and Choice of Law
You agree that with respect to any suit, action or proceeding arising out of or in connection with any dispute with PearsonRavitz, including without limitation any claim involving PearsonRavitz or its parents, subsidiaries, affiliates, officers, directors, and other partners, employees, consultants and agents: (i) you will submit to the jurisdiction of the courts of the Commonwealth of Pennsylvania; (ii) venue for all disputes will be the Federal and State courts located in Philadelphia, Pennsylvania and (iii) you irrevocably waive any objection that you may have at any time to the laying of venue of any suit, action or proceeding arising out of or relating hereto brought in any such court; irrevocably waive any claim that any such suit, action or proceeding brought in any such court has been brought in an inconvenient forum; and irrevocably waive the right to object, with respect to any such claim, suit, action or proceeding brought in any such court, that such court does not have jurisdiction over you.
Severability and Non-Waiver
Survivability and Reservation of Rights
PearsonRavitz’s Contact Information
10 East Athens Avenue, Suite 208
Ardmore, Pa 19003
Telephone: (610) 658 3251