Terms & Conditions

The information and services included in or available through the Service may include inaccuracies or typographical errors. Changes are periodically added to the information herein. Online Insurance and/or its respective suppliers may make improvements and/or changes in the Service at any time.

Online Insurance does not represent or warrant that the Service will be uninterrupted or error-free, that defects will be corrected, or that the Service or the server that makes it available, are free of viruses or other harmful components. Online Insurance does not warrant or represent that the use or the results of the use of the Service or the materials made available as part of the Service will be correct, accurate, timely, or otherwise reliable. You specifically agree that Online Insurance shall not be responsible for unauthorized and unforeseen access to or disruption of your data, any material or data sent or received or not sent or received, or any transactions entered into through the Service. You specifically agree that Online Insurance is not responsible or liable for any threatening, defamatory, obscene, offensive or illegal content or conduct of any other party or any infringement of another's rights, including intellectual property rights. You specifically agree that Online Insurance is not responsible for any content sent using and/or included in the Service by any third party

The Online Insurance Product Group Timeline:

Listings of Insurance Agents, Companies and Regulators are free. When posted via the online form the activation is immediate. Listings are submitted as they are entered. Therefore, any misspellings or mistakes will not be corrected by the Online Insurance staff. Users are allowed access through a Username and Password to edit their own listings. Any listings submitted via e-mail will take up to twenty-one (21) days to be posted online. Users who submit via e-mail will be assigned, either at their request or as a default, a Username and Password so they may edit their own information.

Banner ad space and creation may be purchased for a nominal fee. Each banner ad will take from seven (7) to fourteen (14) business days to create, if needed, and post. Upon receipt of information the Online Insurance staff will begin the placement of the banner ad or the creation and posting of the banner. An e-mail notification will alert the user as to when they may review their banner ad and where on the site the ad is posted live. No banner ads will be posted until payment has been received.

Web page creation may be purchased for a nominal fee. Web page creation will take from fourteen (14) to twenty-one (21) business days. Upon receipt of information the Online Insurance staff will begin the creation of the web page. An email notification will alert the customer when they may review their web page. If the web page is not reviewed within fourteen (14) days, after receipt of payment, it will be posted live as is. No web pages will be posted until payment has been received.

Online Insurance Refund Policies & Procedures:

A thirty (30) day return policy will be implemented for all paid services. If a client is not satisfied with the service, for whatever reason, a refund will be issued in the form of payment. For example, if a client paid by check, the refund will be issued in the form of a check. The client has thirty (30) days from the time they were billed to request a refund. Once thirty (30) days have passed, there will be no refunds issued. The refund policy will be submitted to each client in the form of a faxed confirmation letter or a mailed welcome letter, or posted on the Online Insurance website.

enlighten technologies™ owns and operates Online Insurance. enlighten technologies™ will handle all billing, invoicing, refunding, and collections. If a client cancels an order and it has been approved for a refund by the President or Vice President of enlighten technologies™, there will be a 90 day period in which enlighten technologies™ has to make the payment available to the client.

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