Welcome to NextAgency.com (the "Web Site") a web site where insurance brokers can offer plans and small businesses can research and shop for various insurance products and employee benefits. The Web Site is owned and operated by Take 44 Insurance Services (hereinafter, the "Company" or "Take 44"), see Licensing, below. The Company provides its services to you subject to the following conditions. If you visit or shop at this Web Site, you accept these conditions. Please read them carefully.
The insurance services and products described on this Web Site are only for persons in those states and jurisdictions where such products and services may legally be sold. Nothing on this Web Site shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful.
This Web Site is for the use of small businesses and employees of small businesses who are researching and shopping for insurance products. The Company reserves the right to prevent any party who engages in such non-permitted use(s) from accessing this Web Site.
NextAgency is a trademark of the Company. The Company's trademarks may not be used in connection with any product or service that is not the Company's, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits the Company. All trademarks not owned by the Company that appear on this Web Site are the property of their respective owners.
All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of the Company or its content suppliers and protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of the Company and protected by United States and international copyright laws. All software used on this site is the property of the Company or its software suppliers and protected by United States and international copyright laws.
If you use this Web Site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. Further, by using this Web Site, you warrant that you are at least 18 years of age and possess the legal authority to use this Web Site. The Company does not sell products to minors, but it sells them to adults. If you are purchasing a product on behalf of a minor, you agree to supervise all usage of this Web Site by minors under your name or account. The Company reserves the right to refuse service, terminate accounts or remove or edit content in its sole discretion.
By using NextAgency, you consent to the electronic disclosure of all Employee Benefits notices, including Summary Plan Descriptions and plan amendments. You also confirm that you have the ability, necessary equipment and software to access NextAgency, to view the documents and print copies. By using NextAgency, you are providing authorization to receive Employee Benefit notices electronically, and agreeing to be notified of employee benefit notices via the personal email address you have on file with NextAgency.
You are entitled to withdraw your consent to electronic disclosure at any time by emailing us at firstname.lastname@example.org. Should you withdraw your electronic disclosure consent, you are entitled to receive a paper copy of all Employee Benefit notices, including Summary Plan Descriptions, COBRA notifications and enrollment information, and plan amendments, upon request at no charge.
In order to use and/or access certain NextAgency Services, you may direct NextAgency to retrieve and manage your own information maintained online by third-party institutions -- such as payroll companies or health insurance companies -- with which you have customer relationships, maintain accounts or engage in financial transactions (Account Information). We will then connect directly with your online service providers to access this Account Information. At your direction, we may also open accounts on your behalf at third-party institutions (for example, when enrolling in a 401K program or other company benefit program) and make changes on your behalf with third party sites and services, as necessary to manage your benefits programs.
When importing your information from third-party institutions, we make no effort to review the Account Information for any purpose, including but not limited to accuracy, legality or non-infringement. We are not responsible for the products and services offered by or on third-party sites.
We cannot always foresee or anticipate technical or other difficulties, which may result in failure to obtain data or loss of data, personalization settings or other service interruptions. We cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, communications or personalization settings. For example, when displayed through the NextAgency Service, Account Information may be stale as of the time viewed, which reflects the fact that time may have passed between the time the information is downloaded from the third party institution and the time such information is viewed by you. Such information may be more up-to-date when obtained directly from the relevant sites.
By submitting information, data, passwords, usernames, PINs, other log-in information, materials and other content through the NextAgency Service, you are licensing that content to us solely for the purpose of providing the NextAgency Service. We may use and store the content, but only to provide the NextAgency Service to you. By submitting this content to us, you represent that you are entitled to submit it to us for use for this purpose, without any obligation by us to pay any fees or other limitations.
By using the NextAgency Service, you hereby grant us permission to access your Account Information maintained by identified third parties, and make changes to this information as directed by you, on your behalf as your agent. When you use the 'sync payroll' feature of the Service, you will be directly connected to the website or APIs for the third party you have identified. We will submit information including usernames and passwords that you provide to log you into the site. You hereby authorize and permit us to use and store information submitted by you (such as account passwords and user names) to accomplish the foregoing and to configure the NextAgency Service so it is compatible with the third party sites for which you submit your information. You grant Take 44 Insurance Services a limited power of attorney, and appoint Take 44 Insurance Services as your attorney-in-fact and agent, to access third party sites and retrieve and use your information, and adjust the information and settings on these Third Party sites as directed by you and as needed to administer the benefit programs you elect (for example, setting up deductions in your payroll system) with the full power and authority to do and perform each thing necessary as you could do in person, but solely in connection with providing the Account Information to you as part of the Services, and making changes necessary to manage your benefits programs. YOU ACKNOWLEDGE AND AGREE THAT WHEN WE ARE ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD PARTY SITES, OR MAKING ADJUSTMENTS TO THE SETTINGS OR INFORMATION ON THIRD PARTY SITES, WE ARE ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. While our services may be endorsed by the third parties with whom your Account Information is held from time to time, you should not assume that the Services are sponsored or endorsed by any third parties with whom your Account Information is held.
Although Take 44 monitors the information on the Site, some of the information is supplied by independent third parties. While Take 44 makes every effort to ensure the accuracy of all information on the Site, Take 44 makes no warranty as to the accuracy of any such information.
THIS WEB SITE IS PROVIDED BY THE COMPANY ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. ANY LINKS TO OTHER WEBSITES ARE PROVIDED AS A COURTESY. THEY ARE NOT INTENDED TO NOR DO THEY CONSTITUTE AN ENDORSEMENT BY THE COMPANY OF THE LINKED MATERIALS.TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM THE COMPANY ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE COMPANY WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, EVEN IF THE COMPANY IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES.
CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.
By visiting this Web Site, you agree that the laws of the State of California, without regard to principles of conflict of laws, will exclusively govern these Legal and Licensing terms and any dispute of any sort that may arise between you and the Company. The only exception to this is information relating to Medicare plans, which is governed by Federal law.
DO NOT CANCEL ANY EXISTING INSURANCE UNTIL YOU RECEIVE WRITTEN CONFIRMATION FROM THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS IN EFFECT.
This Web Site is brought to you by the following licensed brokers in each respective state which require insurance transactions to be conducted through a licensed agent/broker. Each agent/broker is associated with Take 44 Insurance Services.