Privacy Policy and Terms of Use
LTC BREAKTHROUGH is concerned about the privacy rights of visitors to its Web sites ("Site") and the security of their data. Accordingly, it has adopted this Privacy Policy and Terms of Use ("Statement") for this Site to ensure responsible use of the information you share with LTC BREAKTHROUGH may at any time revise this Statement by updating the Site. You are bound by any such revisions and should therefore periodically visit this page to review the most current Statement.
Basic Definitions
"Personal Data" is personal and/or confidential information that relates to you and your policy or contract(s) with LTC BREAKTHROUGH.
"Communications" are any non‐confidential and/or non‐proprietary communications information, except for Personal Data, that you transmit to the Site by electronic mail or otherwise, including data, questions, comments and/or suggestions.
"Personal Information" is any Communication where you knowingly enter your personal information such as your name, address, Social Security number, and telephone number.
"Non‐Personal Information" is any Communication derived from your connection to the Site, such as your Internet browser, domain name and referring link. All Communications, except for Personal Data, will be treated as non‐confidential and non‐proprietary will become the property of LTC BREAKTHROUGH may be used for the purposes described herein.
Internet Management
c/o LTC Breakthrough
500 International Drive
Suite 305
Budd Lake, NJ 07828
In general, you can visit the Site while remaining anonymous by not providing any Personal Information. In some cases, Non‐Personal Information may be automatically collected, such as your Internet browser, computer operating system, domain name of your Internet service provider and/or the Web site from which you linked to our Site. Personal Information about you (e.g., your name, address, telephone number, Social Security number, and/or e‐mail address) will not be collected unless you provide it to us voluntarily. For example, LTC BREAKTHROUGH retains e‐mail addresses of visitors who respond to the Site's e‐mail forms, online forms, registration forms, and surveys. LTC BREAKTHROUGH also retains information about the frequency of Site visits, length of time of each visit, and aggregate information on which Site page visitor’s access.
LTC BREAKTHROUGH sends all Internet visitors "cookies," a small data file sent by the Site to your browser, which may then be stored on your hard drive. LTC BREAKTHROUGH’s cookie enables the Site to provide the correct information for you when you enter the secured section of the website. If available, you may program your browser software to notify you of attempts to send cookies and/or you may decline to accept or delete them.
LTC BREAKTHROUGH websites may request cookies to be set on your device. We use cookies to let us now when you visit our websites, how you interact with us, to enrich your user experience, and to Customize your relationship with LTC BREAKTHROUGH. You can also change your cookie preferences. Note that blocking some types of cookies may impact your experience on our websites and the services we are able to offer.
Essential Website Cookies
These cookies are strictly necessary to provide you with services available through our websites and to use some of its features, such as access to secure areas. Because these cookies are strictly necessary to deliver the websites, you cannot refuse them without impacting how our websites function.
Performance and Functionality Cookies
These cookies are used to enhance the performance and functionality of our websites but are non‐essential to their use. However, without these cookies, certain functionality may become unavailable.
Analytics and Customization Cookies
These cookies collect information that is used either in aggregate form to help us understand how our websites are being used or how effective our marketing campaigns are, or to help us customize our websites and application for you in order to enhance your experience.
LTC BREAKTHROUGH will primarily use Communications to respond to your request(s). LTC BREAKTHROUGH will only use personal information in the process of obtaining the requested insurance product and will only disclose the information to the insurance carriers in accordance with their disclosure requirements. Non‐Personal Information may be aggregated for internal review and used to improve the Site's content and structure. This information will be discarded.
LTC BREAKTHROUGH does not distribute Personal Data or Communications to third parties. LTC BREAKTHROUGH will not voluntarily share, rent, sell, or otherwise disclose information obtained from visitors to the Site (whether Personal Data or
Communications) to third parties.
When you choose not to provide Personal Information
When you choose not to provide a personally identifiable Communication, we may not be able to respond to your request. You may receive an error message displayed on your browser.
Information Shared with LTC BREAKTHROUGH
LTC BREAKTHROUGH will take appropriate steps to protect all information you share with us. ALTHOUGH SOME PORTIONS OF THIS SITE ARE SECURE, INHERENT IN THE USE OF THE INTERNET AND INTERNET‐RELATED TECHNOLOGIES IS SOME RISK OF DISCLOSURE OF INFORMATION, INCLUDING WITHOUT LIMITATION, PERSONAL DATA YOU SUPPLY. YOUR USE OF THE SITE AND YOUR ENTRY OF INFORMATION IS AT YOUR OWN RISK. LTC BREAKTHROUGH CANNOT ACCEPT RESPONSIBILITY AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR DAMAGE OR INJURY THAT YOU MAY INCUR OR THAT MAY RESULT FROM YOUR USE OF THE SITE OR THE INTERCEPTION OF INFORMATION YOU PROVIDE, INCLUDING WITHOUT LIMITATION, PERSONAL DATA, BY A THIRD PARTY.
Limitation of Liability
THE SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. LTC BREAKTHROUGH DOES NOT WARRANT THAT USE OF THE SITE WILL BE UNINTERRUPTED OR ERROR‐FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT EITHER THE SITE OR THE SERVER THAT MAKES IT AVAILABLE TO YOU IS FREE OF VIRUSES, DISABLING DEVICES OR OTHER HARMFUL COMPONENTS. LTC BREAKTHROUGH DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THE SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY OR OTHERWISE. YOU (AND NOT LTC BREAKTHROUGH) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING; REPAIR OR CORRECTION RELATED TO ANY DAMAGE, HARM, INJURY OR MALFUNCTION ASSOCIATED WITH YOUR USE OF THE SITE AND/OR ITS CONTENTS. Under no circumstances, including but not limited to, negligence by act or omission, shall LTC BREAKTHROUGH or any party involved in creating, producing, or delivering the Site, be liable for any direct, incidental, consequential, indirect or punitive damages that result from the use of, or the inability to use the materials on the Site, even if LTC BREAKTHROUGH or a representative authorized by LTC BREAKTHROUGH has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event, however, shall LTC BREAKTHROUGH’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing the Site.
Links to Third Party Web Sites
If you use any links provided in the site to Web sites not owned, maintained nor hosted by LTC BREAKTHROUGH ("off‐sites"), you will leave the site. LTC BREAKTHROUGH is not responsible for any off‐site's privacy policies or terms of use. No judgment or warranty is made with respect to the accuracy, completeness, timeliness, or suitability of the content of any off‐sites, and LTC BREAKTHROUGH takes no responsibility for such sites. A link to a service or Web site outside of the Site is not an endorsement of the service or the Web site, its content, or its Sponsoring organization.
Use of the Site
The Site is owned and operated by Individual Commercial Brokerage, Inc. No materials found on the Site or any other site owned, operated or licensed by Individual Commercial Brokerage, Inc. may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way. You may access material on the Site for non‐commercial, personal use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, re-post or use the content of the Site for public or commercial purposes, including the text, images, audio, or video without Individual Commercial Brokerage, Inc.'s prior written permission. Individual Commercial Brokerage, Inc. neither warrants nor represents that your use of materials displayed on the Site will not infringe rights of third parties not owned by or affiliated with Individual Commercial Brokerage, Inc..
Jurisdictional Issues
The information contained on the Site is not an offer to sell or a solicitation to buy any security or any insurance product. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or sale would be unlawful under the securities, insurance, or other laws of such jurisdiction. Some products may not be available in all jurisdictions. All insurance transactions require signed written agreements between the insurance carrier and its customers, and the terms of those agreements are binding on the parties. No other representation, whether made in person, online, electronically, in written, graphical or verbal communication, may alter the terms of those agreements except that your use of the Site constitutes your agreement to the additional Terms of Use applicable to such use. By using the Site, you accept at your own risk that the Internet and online communications medium may not perform as intended.
Your use of this Site, and its Terms of Use and the Privacy Policy shall be construed and controlled by the laws of the State of New Jersey. Further, any dispute arising from your use of this Site, or its Terms of Use or Privacy Policy, or a breach thereof, shall be governed by the laws of the State of New Jersey. By accessing this Site, you agree to personal jurisdiction by the state and federal courts sitting in the State of New Jersey.
Trademarks, Service Marks, and Copyrights
Unless otherwise specifically noted, images, trademarks, service marks, logos and icons displayed on the Site are the property of LTC BREAKTHROUGH and may not be used without LTC BREAKTHROUGH’s prior written consent. Any unauthorized use of the images may violate copyright laws, trademark laws, privacy and publicity laws and communications regulations and statutes.
Premium Rates
It is entirely possible that you may not qualify for some of the listed insurance premium rates and/or you may not qualify for coverage due to carrier underwriting requirements. The premium rates and information are being provided for general information purposes only and are subject to the insurance carrier’s underwriting and other requirements. To obtain a more detailed and accurate plan for your personal situation, we recommend you contact LTC BREAKTHROUGH.
