Privacy Policy

Your Insurance Specialists LLC is committed to protecting your online privacy while interacting with our content, products and services. We provide a safe and secure environment for you. This policy applies to and all websites owned and operated by Your Insurance Specialists LLC located in Denver, CO and not to other companies’ or organizations’ websites to which any Your Insurance Specialists LLC (hereinafter referred to as YIA) owned website is linked.

Collection of Information

Information is collected from you primarily to make it easier and more rewarding for you to use our services. Depending on the service you are accessing, you could be asked to provide information such as your name, email address or information about what you like and do not like. It is entirely your choice whether to respond to these questions or not.
Websites owned and operated by YIA are likely to collect two types of information. The first type is anonymous information. For instance, we may collect information to tell us that five thousand people visited this Privacy Policy today, but we do not know their names, where they live or their date of birth – they are ‘anonymous’ to us. Another example of YIA collecting anonymous information is when our audiences are invited to respond to surveys on YIA owned websites. The surveys may ask you for demographic information such as your age, gender and location. This information is collected for research purposes, is used in the aggregate (where possible), and remains anonymous. Many of the individuals who access our services are anonymous to us.
The second type of information that YIA is likely to collect is personal information. YIA will collect personal information that lets us know the specifics of who you are such as your name, email address, or postal address, when you provide it to us. With this information, YIA can provide a variety of personalized and enhanced services that are not available to anonymous users. We hope that you will find it beneficial to provide individually identifiable information about yourself to us because it will make our services more valuable to you.

Sometimes, we may specifically ask for personal information about you when you sign up to use a service. Certain information may be required, such as your name, age, internet address or screen name, billing address, type of computer, credit card number, in order to provide that service or product to you. This information may also be used to inform you of additional products and services which may interest you. You can choose not to receive such information when you are undertaking product or service registration on our website. We may also ask about your interests, but it is your choice whether to respond.

How much of your personal information that you choose to disclose to YIA is completely up to you. The only way we know something about you personally is if you provide it to us, for example when you take part in a discussion forum or enter one of the competitions on our websites or subscribe to a service. A Person’s consent can be express, implied, or given through an authorized representative. A Person can withdraw consent at any time, with certain exceptions noted herein. YIA, however, may collect, use or disclose Personal Information without the Person’s knowledge or consent in exceptional circumstances where such collection, use or disclosure is permitted or as required by law.

Use of Personal Information

YIA will only use the personal information you have chosen to provide us for the purpose for which you provided it. YIA will not use it for any other purpose without your consent. YIA may from time to time use a Person’s personal information to contact the Person about changes, enhancements or similar notices related to YIA products and services; If a Person indicated that he/she was interested in receiving offers or information from YIA or certain of our selected sponsors or advertisers, YIA may send the Person material about products and services that YIA feels may be of interest to the Person. If a Person enters a contest or other promotion offered on a YIA website, YIA may, under the rules of the promotion, use the Person’s name and certain other information to administer the promotion, such as contacting, announcing and promoting the winners of the promotion.

No Sale of Personal Information

Under no circumstances will YIA sell or receive payment for licensing or disclosing your personal information.

Use of Anonymous Information

YIA automatically gathers anonymous information to monitor the use of its websites like the numbers and frequency of visitors to and other YIA owned websites, very much like television ratings that tell the networks how many people tuned in to a program. We only use such data in the aggregate. This collective data helps us determine how much our audiences use parts of the site, so we can make improvements to ensure that it is as appealing as we can make it for as many users as possible. YIA may publish or provide this aggregate data to other people.

Banner Advertising

A website owned by YIA may contain links to other websites and services. While YIA tries to link only to sites and services that share YIA’s high standards and respect for privacy, a user should understand that YIA is not responsible for the content of, or the privacy practices employed by, other companies or websites. This YIA Privacy Policy applies only to the YIA services related to this policy. The majority of the advertisements which are displayed in connection with YIA owned websites are served through one or more reputable Third Party advertisement-serving companies which deliver the advertisements to users in conjunction with YIA. We may use demographic and preference information to allow advertising on our Web sites to be targeted, in aggregate, to the users for whom they are most pertinent. This means users see advertising that is most likely to interest them, and advertisers send their messages to people who are most likely to be receptive, improving both the viewer’s experience and the effectiveness of the ads. We will disclose information to third parties only in aggregate form.

E-mails From You

If you send us e-mails, you should be aware that information disclosed in e-mails may not be secure or encrypted and thus may be available to others. We suggest that you exercise caution when deciding to disclose any personal or confidential information in e-mails. We will use your e-mail address to respond directly to your questions or comments. If you feel you have received an e-mail from us in error, please contact us.


YIA and Third Party advertising providers may use cookies when serving advertisements on YIA websites. In some cases, advertisements from Third Party advertisers are delivered to users (in conjunction with YIA) by such Third Party advertisers, or by separately contracted advertising providers on their behalf, and not by YIA; as such, the Third-party advertisers’ use of cookies is subject to their own privacy policies, not the YIA Privacy Policy, and users should consult the privacy policies of such Third Party advertisers. Most browsers are initially set up to accept cookies. If a user prefers, the user can reset his/her browser either to notify the user when the user has received a cookie, or to refuse to accept cookies. The user should understand that while YIA does not require a user to use cookies, certain YIA services will not function properly if a user sets his/her browser to not accept cookies.


There will be occasions where it will be necessary for YIA to disclose your personal information to third parties. YIA may be required by law to disclose the information, or YIA may be required to disclose your personal information to third parties to provide the service you have requested. However, the disclosure will only be made where it is necessary to fulfill the purpose for which you disclosed your personal information. Otherwise than stated above, we do not disclose personal information that you may give us, such as your name, address, email address or telephone number, to any organization or person outside of the YIA Group unless you have authorized us to do so.

Service Providers

We contract with other companies to provide services on our behalf, including credit-card and billing processing, shipping, list processing and analytics or promotions management. We provide these companies only with the information they need to perform their services. These service providers are restricted from using this data in any way other than to provide services for YIA and they may not share or resell this data.


YIA operates secure data networks that are designed to protect your privacy and security.

Complaints about Privacy

If you have any complaints relating to online privacy issues on our websites, please contact YIA’s at or click here. We will investigate all complaints.

Changes to YIA’s Privacy Policy

If we decide to change YIA’s Privacy Policy, we will post those changes here. This Privacy Policy may be amended from time to time. Any such changes will be posted on this page. If we make a significant or material change in the way we use your personal information, the change will be posted on this page thirty (30) days prior to taking effect and registered users only will be notified via e-mail.

Terms of Use

Acceptance of Terms

When you access this site, you acknowledge that you have read and agree to abide by the terms described below. If you do not agree to the terms discussed here, you should exit this site now.

Copyright Notice

Everything on this site is copyrighted. Your Insurance Specialists LLC. or the original creator of the material owns the copyrights; however, you are free to view, copy, print, and distribute Your Insurance Specialists LLC. material from this site, as long as:

  • The material is used for information only.
  • The material is used for non-commercial purposes only.
  • Copies of any material include Your Insurance Specialists LLC. copyright notice.
  • The material is not identified as confidential


Your Insurance Specialists LLC. and the Your Insurance Specialists LLC logo are trademarks or service marks of Your Insurance Specialists LLC. You may not use these or any other Your Insurance Specialists LLC. trademarks or service marks without the written permission of Your Insurance Specialists LLC.

No Warranty

While Your Insurance Specialists LLC. attempts to provide accurate information on this Web site, it assumes no responsibility for accuracy. Your Insurance Specialists LLC. may change the information on the site, or the products mentioned, at any time without notice.
Material on this site is provided “as is” and does not constitute a warranty of any kind, either expressed or implied. Your Insurance Specialists LLC. disclaims all warranties, expressed or implied. This includes but is not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. It also includes any expressed or implied warranties arising from any course of dealing, usage, or trade practice.

Limitation of liability

Your Insurance Specialists LLC. is not liable for any direct, indirect, special, incidental, or consequential damages arising out of the use – or the inability to use – the material on this site. This includes but is not limited to the loss of data or loss of profit, even if Your Insurance Specialists LLC. was advised of the possibility of such damages.


While this Web site may contain links to third-party sites, Your Insurance Specialists LLC. is not responsible for the content of any linked sites. Your Insurance Specialists LLC. provides these links as a convenience and does not endorse the companies or contents of any linked sites.

Product Availability

The availability of the products described on this site, and the product descriptions, may vary from country to country. Consult your Your Insurance Specialists LLC. Technology Business Consultant (TBC) for specific product information.

Your Posted Information

You are prohibited from posting or transmitting any unlawful, threatening, obscene, libelous, or otherwise offensive material.

Your Submission

Any material, information, or idea submitted or posted on this Web site will be considered non-confidential and non-proprietary. Your Insurance Specialists LLC. may share or otherwise use your submission for any purpose whatsoever. If any of the information submitted constitutes personal data, you agree that Your Insurance Specialists LLC. may transmit such personal data across international boundaries for any Your Insurance Specialists LLC. business purpose. Personal data will be treated as set forth in our Privacy Statement.

Export of Information

The United States Export Controls laws prohibit the export of certain technical data and software to certain territories. No content from this site may be downloaded or otherwise exported in violation of United States law.

Jurisdiction and Choice of Law

All claims or issues regarding this Web site shall be governed according to the laws of the State of Colorado. Any legal action concerning these Terms or this Web site must be brought within one (1) year after the claim or cause of action arises and must be brought in the State of Colorado.