To enable our automated systems to calculate and provide such information as prices for insurance protection, you are required to provide certain personally identifiable information. Should you choose to apply for coverage on-line, the information is necessary to obtain your quote and policy. The personal information you provide is used strictly for these purposes. We do not sell, rent or barter your personal information.
To use the helpful services at HGEA, you are required to provide certain personally identifiable information. This information will be disclosed by HGEA only to the service providers necessary to obtain your dental insurance quotes and related information. At any time you can review, edit, or delete your information. HGEA does not sell, rent or barter your information.
HGEA collects and securely stores your personally identifying information using encryption technology. We retain these records to make our services easier and more personalized each time you visit the site.
At your request by email, we will not send you information or offers unrelated to your specific requests. We will never reveal your name, address, credit card number or other personally identifying information to our participating partners unless you affirmatively respond to their promotional offer.
In certain instances, HGEA may reveal general, non-personal data about our Web site.
HGEA uses "cookie" technology to reduce the time required for you to submit your requests. Sorry, there are no chocolate chips involved. These cookies are small bits of code, usually stored on a user's computer hard drive, which enable a Web site to "personalize" itself for each user. No other company has authorized access to these cookies.
For all our transactions, we employ reasonable and current Internet security methods and technologies. We encourage our participating service providers to adopt and honor their own consumer privacy policies.
Welcome to HGEA. HGEA provides its services subject to the following terms (which may be updated from time to time without notice).
This site is intended for personal, non-commercial use. You may only use this site to make legitimate requests for HGEA services or products offered.
The use of the name, trademark or service mark of another person or entity on this site and the availability of specific products and services through this site should not be construed by the user as an endorsement or sponsorship of this site by such a person or entity, or the providers of such products or services.
You agree to indemnify and hold HGEA and its subsidiaries, affiliates, offices, agents, co-branders or other partners, and employees, harmless from any claim or demand, including reasonable attorney's fees, made by any third party due to or arising out of information you provided, your use of HGEA services, your connection to HGEA services, your violation of the Terms of Service ("TOS"), or your violation of any rights of another.
You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of HGEA products or services.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
YOU EXPRESSLY UNDERSTAND AND AGREE THAT HGEA SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF HGEA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION, OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM OUR SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (v) ANY OTHER MATTER RELATING TO THE SERVICE.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF SECTIONS 7 AND 8 MAY NOT APPLY TO YOU.
To the extent that this site contains links to outside services and resources, any concerns regarding such services or resources should be directed to the particular outside service or resource provider. HGEA does not guarantee or warrant the accuracy or completeness of the information or content included on the websites of its service providers.
Notices to you may be made via either email or regular mail. We may also provide notices of changes to the TOS or other matters by displaying notices or links to notices to you generally.
HGEA respects the intellectual property rights of others we ask our users to do the same. Please see our copyright notice on our home page.
You acknowledge that HGEA, the HGEA logo, all page headers, custom graphics, and button icons are service marks, trademarks, and/or trade dress of HGEA and that all other trademarks, product names, company names or logos on the Web Site are the property of their respective owners.
All software used in connections with this Web Site ("Software") is the property of HGEA or its suppliers and is protected by U.S. patent and copyright laws and international treaties. Any use of the Software other than as required to navigate and to utilize the functionality offered through this Web Site is prohibited. You agree not to copy, distribute, publicly display, modify, decompile, disassemble, reverse engineer or otherwise attempt to discover the source code of the Software. Further, you agree not to access the Services by any means other than the interface provided by HGEA for your use in accessing the Services and Content.
You agree not to "frame" or "mirror" any Services or Content on this Web Site or any server or Internet-based device without your receipt of the prior written authorization of HGEA or the applicable third party. You agree that any link you create to the Web Site will only be to the main page, .
The Terms of Service constitutes the entire agreement between HGEA and you in connection with your use of this Web Site and, supercedes any prior agreements between HGEA and you including prior versions of this Terms of Service. HGEA may update this Terms of Service from time to time by posting revised Terms of Service on this Web Site, without notice to you, and your subsequent use of the Web Site is governed by those new Terms of Service. The Terms of Service is effective until terminated by HGEA, at any time without notice. In the event of termination, the disclaimers and limitations of liabilities set forth in the Terms of Service will survive.
All information and content available on the Web Site are solely directed to individuals 18 years of age or older residing in the United States.
HGEA makes no representation that the Services are available for use outside of the United States. Any use of the Services and Content is prohibited where they are not allowed by law.
The Terms of Service will be deemed to include all other notices, policies, disclaimers and other terms contained in this Web Site; provided, however, that in the event of a conflict between such other terms and the terms of these Terms of Service, these Terms of Service will control.
The Terms of Service are governed by the laws of the State of Mississippi and controlling States Federal Law without regard to the conflicts of law provisions. You agree that any action to enforce the Terms of Service will be brought in the federal or state courts located in Jackson, Mississippi. If any provision is deemed by a court of competent jurisdiction to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions. The section headings are for convenience only and do not have any force or effect.