Your Insurance Specialists Terms & Conditions / Privacy Policy

Introduction

Welcome to Your Insurance Specialists. By accessing or using our services, including receiving SMS communications, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with these terms, please do not engage with our services.

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 www.yispec.com 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 YIS) 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 YIS 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 YIS collecting anonymous information is when our audiences are invited to respond to surveys on YIS 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 YIS is likely to collect is personal information. YIS 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, YIS 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 YIS 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. YIS, 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

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

Use of Anonymous Information

YIS automatically gathers anonymous information to monitor the use of its websites like the numbers and frequency of visitors to denverhighdefinition.com and other YIS 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. YIS may publish or provide this aggregate data to other people.

Banner Advertising

A website owned by YIS may contain links to other websites and services. While YIS tries to link only to sites and services that share YIS’s high standards and respect for privacy, a user should understand that YIS is not responsible for the content of, or the privacy practices employed by, other companies or websites. This YIS Privacy Policy applies only to the YIS services related to this policy. The majority of the advertisements which are displayed in connection with YIS owned websites are served through one or more reputable Third Party advertisement-serving companies which deliver the advertisements to users in conjunction with YIS. 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.

SMS Text Messaging

We collect your phone number through our contact information form. We will never share your customer data with third parties for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be share with any third parties. You can always decline or stop receiving messages by responding ‘STOP’ at any time. For more information, reply ‘HELP’. Message and data rates may apply. Message frequency varies.

Your Insurance Specialists LLC respects your privacy.

By providing your consent to receive SMS communications, you acknowledge and agree to receive text messages from Your Insurance Specialists at the phone number you provide. Information obtained as part of the SMS consent process will not be shared with third parties.

By opting into our SMS messaging service, you agree to the following terms regarding how we handle your data:

• Data collection: we will collect your name, email address, mailing address, and mobile phone number when you sign up for SMS updates. This information will be connected via the website contact form, email, rental agreement, or third-party reservation systems. If you have consented to receive text messages, you may receive SMS communications related to the following:
  • • Customers and Guests: Updates regarding your policies, quotes, or other relevant information.
    • Job Applicants: Information about your application status, onboarding materials, or other employment-related updates.
• Data usage: we use your data solely for sending updates, promotions, and reminders related to our products or services.
• Data Security: we protect your data with secure storage measures to prevent unauthorized access.
• Data retention: we retain your information as long as you are subscribed to our SMS service. You may request deletion at any time.
• MESSAGE AND DATA RATES MAY APPLY. Your mobile carrier may charge fees for sending or receiving text messages, especially if you do not have an unlimited texting or data plan.
• Messages are recurring and message frequency varies.
• Contact Your Insurance Specialists at 303-495-7582 or Info@yispec.com for HELP or to STOP receiving messages.
• Opt-out: You can opt out of the SMS list at anytime by texting, emailing, or replying STOP to Info@yispec.com or 303-495-7582. After unsubscribing, you will receive a final SMS to confirm you have unsubscribed and we will remove your number from our list within 24 hours.
• You can send HELP for additional assistance, and you will receive a text including our phone number, email and website. We are here to help you.
• Non-sharing clause: we do not share your data with third parties for marketing purposes. (Company name) will not sell, rent, or share the collected mobile numbers. We respect your privacy and will only use the information you provide to communicate with you via SMS as outlined above. Your personal data will not be shared with third parties unless required by law or as necessary to deliver the requested service.

Modifications

We reserve the right to update or modify these Terms and Conditions at any time. Any changes will be posted on this page with an updated revision date. By continuing to engage with our services, you agree to be bound by any changes to these terms.

Cookies

YIS and Third Party advertising providers may use cookies when serving advertisements on YIS websites. In some cases, advertisements from Third Party advertisers are delivered to users (in conjunction with YIS) by such Third Party advertisers, or by separately contracted advertising providers on their behalf, and not by YIS; as such, the Third-party advertisers’ use of cookies is subject to their own privacy policies, not the YIS 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 YIS does not require a user to use cookies, certain YIS services will not function properly if a user sets his/her browser to not accept cookies.

Disclosure

There will be occasions where it will be necessary for YIS to disclose your personal information to third parties. YIS may be required by law to disclose the information, or YIS 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 YIS 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 YIS and they may not share or resell this data.

Security

YIS 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 YIS’s at info@yispec.com or click here. We will investigate all complaints.

Changes to YIS’s Privacy Policy

If we decide to change YIS’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

Trademarks

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.

Links

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.