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Thank you for taking the time and for your interest in reading these privacy statements.
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Click here to read the OwnerGUARD.com privacy policy
PRIVACY POLICY
Privacy Policy
The Program Administrator may collect and use personal information about clients and consumers in order to provide products or services. We believe that this personal information must be protected. We are committed to respecting personal information and using it only as appropriate to provide you with the best service. We reserve the right to change this Privacy Policy at any time. Such changes shall be effective immediately upon posting the revised Privacy Policy on this page.
This Privacy Policy only addresses the use and disclosure of information we collect from you. Other sites accessible through our site have their own privacy policies and data collection, use and disclosure practices. We are not responsible for the policies or practices of third parties.
Information We Collect
We may collect and use personal information about clients and consumers. We collect personal information when you interact with us. For example, when you: file a request for benefits or a claim on our website; request more information on our website to become a prospective business partner; complete an application or other form; contact us for customer service or other assistance; engage in a purchase transaction; or submit personal information to us. The personal information we collect may include: first and last name, email address, physical address, phone number(s), financial institution account information, credit/debit card information, vehicle information, and vehicle insurance information. We may receive personal information from other sources, such as consumer reporting agencies and motor vehicle reports. We may record phone calls made to our offices for training and quality assurance purposes. We may use video surveillance on our premises.
When you use our website we will store cookies on your computer in order to facilitate your use of our website. A cookie is a small data text file, which a website stores on your computer's hard drive (if your Web browser permits) that can later be retrieved to identify you to us. The cookies make your use of the website easier, make the website run more smoothly and help us to maintain a secure website. You are always free to decline our cookies if your browser permits, but some parts of our website may not work properly in that case. Also, we may obtain your internet protocol address, computer’s operating system, and browser type; the website address of a referral website; and the path you take on our web pages. Certain web browsers allow you to transmit Do Not Track signals; we do not respond to such signals.
Sharing Information We Collect
We do not sell, trade, or rent personal information. We do provide some of our products services through contractual arrangements with service providers, affiliates and agents, and other third parties (collectively “service partners”.) Service partners are only allowed to use personal information for those services we ask them to perform. We and our service partners use personal information to operate our web sites and deliver products and services. We will encourage our service partners to adopt and post privacy policies. However, the use of personal information by our service partners is governed by the privacy policies of those service partners, and is not subject to our control.
We may be required by law enforcement or judicial authorities to provide personal information to governmental authorities. We will disclose personal information upon receipt of a court order, subpoena, or to cooperate with a law enforcement investigation. We fully cooperate with law enforcement agencies in identifying those who use our products services for illegal activities. We reserve the right to report to law enforcement agencies any activities that we in good faith believe to be unlawful. We may share statistical data that does not identify you with service partners and government regulators.
Safeguarding Your Information
We secure personal information consistent with current industry standards. Personal information is protected in several ways. We maintain physical, electronic and procedural safeguards. We restrict access to personal information to those employees who need to know in order to provide services. The Program Administrator’s Confidentiality Policy, which applies to all employees, restricts the use of all personal information and requires the utmost discretion.
On our website, we have installed usernames, passwords and other safety features to ensure that personal information remains secure. We recommend that you do not divulge your password to anyone. In addition, personal information resides on a secure server that only selected employees and contractors have access to via password.
In order to most efficiently serve you, credit/debit card and checking/savings account transactions are handled completely by service partners that are established third party lending, processing agents and distribution institutions. They request, obtain and receive the information needed to verify and authorize your credit card or other payment information and to process purchases.
Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect personal information, you acknowledge that: (a) there are security and privacy limitations of the Internet which are beyond our control; (b) the security, integrity and privacy of any and all information and data exchanged between you and us through this website cannot be guaranteed; and (c) any such information and data may be viewed or tampered with in transit by a third party.
Questions regarding privacy should be directed to the Program Administrator by sending an e-mail to sales@ownerguard.com or writing to us at the following address: OwnerGuard, P.O. Box 1049, Bedford, TX 76095-1049.
TERMS OF USE
By using this website, located at ownerguard.com (the “Site”) you agree to be bound by all terms, conditions and notices contained or referenced herein (the “Terms of Use”). We may change the Terms of use at any time by posting revisions to the Site, and your continued use of the Site indicates your agreement to the revised terms. Accordingly, we urge you to review the Terms of Use, and if you do not agree to the terms of this or any revised policy, please exit the Site immediately.
You agree that you are only authorized to visit, view and to retain a copy of pages of the Site in connection with your business with OwnerGUARD. You agree not to deep-link to the Site for any purposes, unless specifically authorized by us to do so. The content and software on this Site is the property of the Program Administrator or our licensors, and is protected by copyright laws. This Site may not be used for any commercial purposes other than those connected to your business with OwnerGUARD. Program Administrator will investigate and take appropriate legal action against anyone who violates this provision.
You are granted a limited, non-exclusive, revocable and non-transferable license to utilize and access the Site pursuant to the requirements and restrictions of these Terms of Use. Program Administrator may change, suspend, or discontinue any aspect of the Site at any time. Program Administrator may also, without notice or liability, impose limits on certain features and services or restrict your access to all or portions of the Site. You shall have no rights to the proprietary software and related documentation, if any, provided to you in order to access the Site. Except as provided in these Terms of Use, you shall have no right to directly or indirectly, own, use, loan, sell, rent, lease, license, sublicense, assign, copy, translate, modify, adapt, improve or create any new or derivative works from, or display, distribute, perform, or in any way exploit the Site, or any of its contents (including software) in whole or in part.
You understand and agree that in Program Administrator’s sole discretion, and without prior notice, Program Administrator may terminate your access to the Site, or exercise any other remedy available and remove any unauthorized user information, if Program Administrator believes that the information you provide has violated or is inconsistent with these Terms of Use, or violates the rights of Program Administrator or of any third party, or violates the law. You agree that monetary damages may not provide a sufficient remedy to Program Administrator for violations of these Terms of Use and you consent to injunction or other equitable relief for such violations. By visiting the Site, you represent, warrant and covenant that you are a resident of the United States and that all material of any kind submitted by you through the Site will not plagiarize, violate or infringe upon the rights of any third party, including privacy, or other personal or proprietary rights.
During the registration process, you will be asked to select a unique password for access to certain portions of the Site. You are responsible for maintaining the confidentiality of the password and account, and are fully responsible for all activities that occur under the password. By logging into the Site, you represent and warrant that: you are the person who registered for the site; you are using the services only for permitted purposes; you will immediately notify us of any unauthorized use of the password or account or any other breach of security and you will ensure that you exit from your account at the end of each session. Please notify sales@ownerguard.com of any potential unauthorized use(s) of your account, or breach of security.
You acknowledge that all content and materials available on this Site are protected by copyrights, trademarks, service marks, trade secrets, know-how or other proprietary rights and laws and are owned by Program Administrator or our licensors. Except where otherwise noted, you may download, print or view individual pages for use solely in connection with your business with OwnerGUARD. You may only use this Site and its contents as expressly permitted in these Terms of Use and for no other purpose. Program Administrator and our licensors retain exclusive ownership of all data, material and other information regarding your use of this Site. Systematic retrieval of data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database or other directory without our written permission is prohibited.
If you are notifying Program Administrator of alleged copyright infringement, please be sure to provide the information required by 17 U.S.C. §512(c)(3)(A) to sales@ownerguard.com.
YOU EXPRESSLY AGREE THAT ALL MATERIAL, INFORMATION, SOFTWARE, PRODUCTS AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE ARE PROVIDED ‘AS IS’ AND ‘AS AVAILABLE’ FOR YOUR USE. THE SITE CONTENT IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO WARRANTIES OF TITLE, NON-INFRINGEMENT OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR OTHERWISE, OTHER THAN THOSE WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER APPLICABLE LAW. NEITHER PROGRAM ADMINISTRATOR, NOR OUR LICENSORS MAKE ANY WARRANTY THAT THE SITE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THE SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; THAT THE SITE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT YOU WILL ACHIEVE SUCCESSFUL RESULTS FROM FOLLOWING ANY INSTRUCTION, DIRECTION OR RECOMMENDATION ON THE SITE.
UNDER NO CIRCUMSTANCES SHALL PROGRAM ADMINISTRATOR OR OUR LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, WHICH RESULT FROM THE USE OR INABILITY TO USE THE SITE OR FROM INFORMATION PROVIDED ON THE SITE. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED UPON CONTRACT OR ANY OTHER BASIS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, OUR LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.
Effective 1/1/2014
Click here to read the OwnerGUARD University privacy policy
Authorized Use
The information on this site is solely for the use of OwnerGUARD University (referred to as “OGU”) members to support OGU’S mission of providing educational services to members. Use of this site for any other purpose is strictly prohibited.
Disclaimer
Nothing contained on this site is to be considered as the rendering of legal, insurance or professional advice. The information contained on this site is provided “as is” and OGU makes no warranty or guarantee (express or implied) as to such information. OGU disclaims all liability arising from the use or misuse of information contained on this site.
Copyright
All information on this site is copyright OGU. No part of this site may be reproduced in any form or by any means without the express prior written permission of OGU.
Privacy Policy
The following Privacy Policy discloses the privacy practices for the ownerguard.prosperitylms.com site and various related services (together referred to as the "site"). OwnerGUARD University, the provider of the site (referred to as "us" or "we"), is committed to protecting your privacy online. Please read the information below to learn about your use of this site.
We reserve the right to change this Privacy Policy at any time. Such changes, modifications, additions or deletions shall be effective immediately upon notice, which may be given by issuing an e-mail to the e-mail address you provide and posting the revised Policy on this page. You acknowledge and agree that it is your responsibility to maintain a valid e-mail address, review this site and this Policy periodically and to be aware of any modifications. Your continued use of the site after such modifications will constitute your: (a) acknowledgment of the modified Policy; and (b) agreement to abide and be bound by the modified Policy.
In order to access certain member services and restricted areas within the site, we need you to provide certain identifying information (the "Registration Data") in the My Profile form. This information may include your full name, nickname, job title, telephone number(s), business e-mail address, business fax number, business and home address, date of birth, date of hire and social security number. We provide some of our services through contractual arrangements with affiliates, service providers, partners and other third parties (together referred to as “service partners.”) We and our service partners use your Registration Data to provide services to you as required by your membership, resolve disputes, troubleshoot problems and enforce our Privacy Policy. We will encourage our service partners to adopt and post privacy policies. However the use of your Registration Data by our service partners is governed by the privacy policies of those service partners and is not subject to our control.
Registration Data is protected in several ways. Your access to Registration Data is available through a unique username and password. This password is encrypted and is only accessible to your supervisors, OGU personnel and OGU contractors. We may be required by law enforcement or judicial authorities to provide Registration Data to the appropriate governmental authorities. We will disclose Registration Data upon receipt of a court order, subpoena, or to cooperate with a law enforcement investigation.
You may change Registration Data online by linking to the My Profile form, in accordance with instructions posted elsewhere on this site. You may ask to have information deleted, however, because we keep track of past coursework, you cannot delete information associated with past coursework on this site. In addition, it may be impossible to completely delete information because of backups.
Our site has industry standard security measures in place to protect against the loss, misuse and alteration of the information under our control. While there is no such thing as "perfect security" on the Internet, we will take all reasonable steps to insure the safety of your Registration Data.
Other sites accessible through our site have their own privacy policies, data collection, use and disclosure practices. Please consult each site's privacy policy. We are not responsible for the policies or practices of third parties.
When you voluntarily disclose Registration Data on the Message Boards or other public areas on this site, that information, along with any information disclosed in your communication, can be collected and used by third parties and may result in unsolicited messages from third parties. Such activities are beyond our control and this Policy does not apply to such information. Any submissions to the Message Boards or other public areas on this site are accepted with the understanding that they are accessible to third parties.
You acknowledge that by accessing or using our site, you agree to be bound by this Privacy Policy. If you do not agree to these terms, please do not access or use this site.
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