LOG IN / GET STARTED WHY SAVOY NEWS CARRIERS EVENTS ABOUT CONTACT Terms Of Use and User Agreement Introduction: Acceptance of Terms Savoy Associates welcomes you to its Web Site (the "Site"). Savoy Associates provides a collection of online resources, including health plan information, health plan provider information, links to laws, regulations and articles about health plans, commission rates, etc. (“Service”) subject to the following Terms of Use (“TOU”)In addition, by accessing this Site, you agree to be bound by these terms and conditions that govern your use of our Site (the "Agreement"). If you do not agree to these terms and conditions, please do not use the Site. We may from time to time change the terms and conditions that govern your use of our Site. Your use of our Site following any such change constitutes your agreement to follow and be bound by the terms and conditions as changed. Certain provisions of these terms and conditions may be superceded by expressly designated legal notices or terms located on particular pages on this Site. Should you object to any term or condition of the TOU, any guidelines, or any subsequent modifications thereto or become dissatisfied with Savoy Associates in any way, your only recourse is to immediately discontinue use of SavoyAssociates.com. SavoyAssociates.com has the right, but is not obligated, to strictly enforce the TOU through self-help, community moderation, active investigation, litigation and prosecution. These TOUs govern your access to and use of the Services and Savoy Associates’ website, and any information, text, graphics, or other materials uploaded, downloaded or appearing on the Services (“Content”). Your access to and use of the Services is conditioned on your acceptance of and compliance with these TOUs. By accessing or using the Services you agree to be bound by these TOUs. Modifications to this Agreement We reserve the right, at our sole discretion, to change, modify or otherwise alter these terms and conditions at any time. Such modifications shall become effective immediately upon the posting thereof. You must review this agreement on a regular basis to keep yourself apprised of any changes. Even if you fail to review the TOU, you will still be bound by its terms, whether substantially changed or identical to the TOUs that were in place when you first accessed SavoyAssociates.com. Disclaimer This Site and the Materials herein are provided on an "as is" basis. Savoy Associates. makes no representations or warranties, either express or implied, of any kind with respect to this Site, its contents or the insurance products offered. Questions regarding a particular product should be directed either to a licensed insurance producer at Savoy Associates by telephone or in person, or to the underwriter of the product. Savoy Associates disclaims all such representations and warranties, express or implied, including, but not limited to, warranties of merchantability and fitness for a particular purpose. In addition, Savoy Associates does not represent or warrant that the information accessible via this Site is accurate, complete or current. You acknowledge, by your use of the Services, that your use of the Site is at your sole risk, that you assume full responsibility for all costs associated with all necessary servicing or repairs of any equipment you use in connection with your use of our Site, and that Savoy Associates shall not be liable for any damages of any kind related to your use of this Site. Price and availability information is subject to change without notice. Savoy Associates has no obligation to update this Site and keep it current. It is up to you as a prudent reader to understand and determine on your own what you need to do in order to make informed decisions in connection with the insurance products offered on this site. YOUR INSURANCE POLICY, NOT THE STATEMENTS ON THIS WEB SITE, FORMS THE CONTRACT BETWEEN THE INSURED AND THE INSURER. Please contact Savoy Associates for the most current prices, terms and availability. This Site could include technical or other inaccuracies or typographical errors. Changes are periodically added to the information herein; these changes will be incorporated in new editions of this Site. Savoy Associates may make improvements and/or changes in the Material(s), product(s) and/or the program(s) described in this Site at any time. This Site can be accessed from all states and from other countries around the world and may contain references to Savoy Associates, services, products, and programs that have not been announced in your state or country. These references do not imply that Savoy Associates intends to announce such services, products, or programs in your state or country. PLEASE CONTACT Savoy Associates TO DETERMINE THE AVAILABILITY OF ITS PRODUCTS, SERVICES AND PROGRAMS IN YOUR STATE OR COUNTRY. Please note, Savoy Associates is not a licensed agent or broker in every jurisdiction, and that in such jurisdiction where Savoy Associates is not yet licensed, coverage will be placed through another licensed insurance producer, whether affiliated with Savoy Associates or otherwise. Copyright Except as specifically permitted herein, no portion of the Materials (as defined below) posted on this Site, including but not limited to editorial and pictorial content, may be reproduced in any form or by any means without prior written permission from Savoy Associates. See Contacting Savoy Associates for contacts to obtain such permission. Savoy Associates respects the intellectual property rights of others and expects users of the site to do the same. We will respond to notices of alleged copyright infringement that comply with applicable law and are properly provided to us. If you believe that your Content has been copied in a way that constitutes copyright infringement, please provide us with the following information: (i) a physical or electronic signature of the copyright owner or a person authorized to act on their behalf; (ii) identification of the copyrighted work claimed to have been infringed; (iii) identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material; (iv) your contact information, including your address, telephone number, and an email address; (v) a statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and (vi) a statement that the information in the notification is accurate, and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner. We reserve the right to remove Content alleged to be infringing without prior notice and at our sole discretion. In appropriate circumstances, Twitter will also terminate a user’s account if the user is determined to be a repeat infringer. Our designated copyright agent for notice of alleged copyright infringement appearing on the Services is: www.SavoyAssociates.com 25B Hanover Road, Suite 220 Florham Park, NJ 07932 Trademarks The names “Savoy Associates” and “EInsurancePeople” (the “Marks”) as used in this website are registered trademarks of Donald C. Savoy, Inc. as a licensed insurance producer. You are not permitted to use the Marks without the prior written consent of Donald C. Savoy, Inc., its licensed affiliates (as applicable), or such third-parties that may own the Marks. General Use Parameters and Restrictions Unless otherwise noted, all materials, including images, illustrations, designs, icons, photographs, audio clips, video clips, news articles, documents, products, software, services, forms and written and other materials that are part of this Site (collectively, the "Materials") are copyrights, trademarks, trade dress and/or other intellectual properties owned by, controlled by or licensed to Donald C. Savoy, Inc., its affiliates or third parties. Except as stated herein under the TOU, none of the Materials may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without the prior express written permission of Donald C. Savoy, Inc., its affiliates or any authorized Third-Party Provider, as applicable. No part of the Site, including logos, graphics, sounds, images, layout or design may be reproduced or retransmitted in any way, or by any means, without the prior express written permission of Donald C. Savoy, Inc., or any authorized affiliate. You also may not, without Donald C. Savoy, Inc.’s prior express written permission, "mirror" any Material contained on this Site on any other server. Any use of these Materials on any other Web site or networked computer environment for any purpose is prohibited. Nothing on this Site shall be construed as conferring any license under any of Donald C. Savoy, Inc.’s or any third-party provider's intellectual property rights, whether by estoppel, implication, or otherwise. You acknowledge sole responsibility for obtaining any such licenses. Unless otherwise indicated by the TOU, permission is granted to display, copy, distribute and download Donald C. Savoy Inc.’s Materials on this Site provided that: (1) both the copyright notice which appears on this Site and this permission notice appear in the Materials, (2) the use of such Materials is solely for personal, non-commercial and informational use and will not be copied or posted on any network computer or broadcast in any media, and (3) no modifications of any of the Materials are made. This permission terminates automatically without notice if you breach any of TOU. Upon termination, you will immediately destroy any downloaded and printed Materials. Documents specified above do not include the design or layout of this Site or elements protected by trade dress that are protected by United States and International law and other intellectual property rights and may not be copied or imitated in whole or in part. Any unauthorized use of any Materials contained on this Site may violate copyright, trademark, and other laws, including but not limited to laws of privacy and publicity, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. Use of Software The Software and accompanying documentation that may be made available to download from this Site from time to time are the copyrighted work of Donald C. Savoy, Inc. , its affiliates and /or third parties. Use of the Software is governed by the terms of the end user license agreement, which accompanies or is included with such Software. You will not be able to download or install any Software that is accompanied by or includes an end user license agreement unless you agree to the terms of such end user license agreement. If you do not agree to these terms, you will not be able to use the Software. Submissions You agree that nothing submitted by you to the Site shall contain any content which: a) libels, defames, invades privacy, or is obscene, pornographic, abusive, or threatening; b) infringes any intellectual property or other right of any entity or person, including, but not limited to violating anyone's copyrights or trademarks; c) violates any law; d) advocates illegal activity; or, e) advertises or otherwise solicits funds or is a solicitation for goods or services (collectively, "Non-Approved Material"). You acknowledge that you are responsible for the Materials that you submit, and you, not Savoy Associates, have full responsibility for the Materials, including their legality, reliability, appropriateness, originality and copyright. Materials provided by Third-Party Providers have not been independently authenticated in whole or in part by Savoy Associates or its designated affiliates. Savoy Associates does not provide, sell, license, or lease any of the Materials other than those specifically identified as being provided by Savoy Associates. Anything submitted that is of a threatening or libelous nature on this Site which might be considered a violation of any law may require Savoy Associates to report and fully cooperate with any law enforcement authorities or a court order requesting or directing Savoy Associates to disclose the identity of anyone submitting any such Materials. Further, Savoy Associates fully reserves its right to seek indemnification( as more fully described in Section 10 below) against you for any content which violates the terms of this Section 8. Third-Party Content, Sites and Services The Savoy Associates’ site and Content available through the Service may contain features and functionalities that may link you or provide you with access to third-party content which is completely independent of SavoyAssociates.com, including websites, directories, servers, networks, systems, information and databases, applications, software, programs, products or services, and the Internet as a whole. Your interactions with organizations and/or individuals found on or through the Service, including payment and delivery of goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such organizations and/or individuals. You should make whatever investigation you feel necessary or appropriate before proceeding with any online or offline transaction with any of these third parties. You agree that SavoyAssociates.com shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings. If there is a dispute between participants on this site, or between users and any third-party, you understand and agree that CopticWorld.org is under no obligation to become involved. In the event that you have a dispute with one or more other users, you hereby release SavoyAssociates.com, its officers, employees, agents and successors in rights from claims, demands and damages (actual and consequential) of every kind or nature, known or unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way related to such disputes and / or our service. Indemnity You agree to indemnify and hold SavoyAssociates.com, its officers, subsidiaries, affiliates, successors, assigns, directors, officers, agents, service providers, suppliers and employees, harmless from any claim or demand, including reasonable attorney fees and court costs, made by any third-party due to or arising out of Content you submit, post or make available through the Service, your use of the Service, your violation of the TOU, your breach of any of the representations and warranties herein, or your violation of any rights of another. Neither Donald C. Savoy, Inc., Savoy, Savoy Associates, nor any of their affiliates, directors, officers, employees or other representatives will be liable for damages arising out of or in connection with the use of this Site. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and claims of third parties. You agree to defend, indemnify and hold harmless Donald C. Savoy, Inc. and its shareholders, officers, directors, employees, agents, distributors and affiliates (as applicable) from and against any and all third-party claims, demands, liabilities, costs, or expenses, of whatever nature, including reasonable attorney's fees, resulting from your or related to your use of the Site or your breach of any of the foregoing agreements, representations, and warranties. Third-Party Links - Generally This Site may contain links to third-party Web sites, which are not under the control of Donald C. Savoy, Inc. or its affiliates. Neither Donald C. Savoy, Inc. nor its affiliates, makes any representations of any kind regarding the content or appropriateness of content on such sites, and you hereby irrevocably waive any claim against Donald C. Savoy, Inc. with respect to such sites. When you access a third-party Web site from this Site, you leave this Site and you do so at your own risk. Neither Donald C. Savoy, Inc. nor its affiliates, shareholders, officers, employees, directors or other authorized representatives is responsible for the accuracy or reliability of any information, data, opinions, advice, or statements made on these other Web sites. Donald C. Savoy, Inc. permits or provides these links merely as a convenience. Any concerns regarding any such service or resource, or any link thereto, should be directed to the particular outside service or resource. Savoy Associates’ webmaster (Webmaster@SavoyAssociates.com) would appreciate being copied on any complaint or concern expressed to a third-party site linked to this Site so that it can be determined whether any action should or can be taken from this Site which might respond to your complaint or concern. If you would like to link to Savoy Associates' Site, please read and comply with the following guidelines and all applicable laws. A Web site that links to Savoy Associates' Site: May link to, but not replicate, Savoy Associates content. Should not create a browser or border environment around Savoy Associates content. Should not imply that Savoy Associates is endorsing it or its products. Should not misrepresent its relationship with Savoy Associates, its shareholders, officers or directors. Should not present false information about Savoy Associates, its services or activities. Should not use the Savoy Associates logo, screen shot, splash screen or any Savoy Associates Marks displayed on this Site without permission from Savoy Associates. Should not be a Web site that infringes any intellectual property or other right of any entity or person, including, but not limited to violating anyone's copyrights or trademarks, violating any law or advocating illegal activity. Should not be a Web site that contains content that could be construed as distasteful, offensive or controversial, and should contain only content that is appropriate for all age groups. Any Web site that creates a link to Savoy Associates' Site which Savoy Associates discovers violates these terms and conditions, Savoy Associates expressly reserves the right to request that such a link be removed and to undertake whatever other action it deems appropriate. No Endorsements No endorsement of any third-party products or services is expressed or implied by any information, material or content referred to or included on, or linked from or to this Site, nor does the inclusion of such links imply that Donald C. Savoy, Inc. nor any of its affiliates or their shareholders, officers, directors, employees, or other authorized representatives endorses or accepts any responsibility for the content or uses of such linked Web sites. Cookies In order to improve our Site, Savoy Associates may use "cookies" to track your visit to the Site. A cookie, which is small amount of data that is transferred to your browser by a Web server and can only be read by the server that gave it to you, functions as your identification card, recording your passwords, purchases, and preferences. It cannot be executed as code or deliver viruses. Most browsers are initially set to accept cookies. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it. (Some Site pages may require authorization and if so, cookies will not be optional. Users choosing not to accept cookies will likely not be able to access those pages.) While Savoy Associates may use cookies to track your visit to the Site and our Web servers automatically log the IP/Internet address of your computer, this information does not identify you personally and you remain anonymous unless you have otherwise provided Savoy Associates with personal information. Local Laws and Export Controls Savoy Associates controls and operates this Site from its headquarters in New York and makes no representation that these Materials are appropriate or available for use in other locations. If you use this Site from other locations, you are responsible for compliance with applicable local laws, including, but not limited, to the export and import regulations of other countries. Unless otherwise explicitly stated, all marketing or promotional materials found on this Site are solely directed to Site visitors located in the United States. You acknowledge and agree that all Materials herein are subject to the U.S. Export Administration Laws and Regulations. Diversion of such Materials contrary to U.S. law is prohibited. You agree that none of the Materials, nor any direct product therefrom, is being or will be acquired for, shipped, transferred, or re-exported, directly or indirectly, to proscribed or embargoed countries or their nationals, nor be used for nuclear activities, chemical biological weapons, or missile projects unless authorized by the U.S. Government. Proscribed countries are set forth in the U.S. Export Administration Regulations. Countries subject to U.S. embargo are: Cuba, Iran, Iraq, Libya, North Korea, Syria, and the Sudan. This list is subject to change without further notice from Savoy Associates, and you must comply with the list as it exists in fact. You certify that you are not on the U.S. Department of Commerce's Denied Persons List or affiliated lists or on the U.S. Department of Treasury's Specially Designated Nationals List. You agree to comply strictly with all U.S. export laws and assume sole responsibility for obtaining licenses to export or re-export as may be required. By downloading or using Materials, including Software from this Site, you are agreeing to the foregoing and you are warranting that you are not located in, under the control of, or a national or resident of any such country or on any such list. Governing Law and Jurisdiction This Site (excluding linked sites) is controlled by Savoy Associates from its offices within the State of New York, United States of America. By accessing this Site, you and Savoy Associates agree that all matters relating to your access to, or use of, this Site shall be governed by the statutes and laws of the State of New York, without regard to the conflicts of laws principles thereof. You and Savoy Associates also agree and hereby submit to the exclusive personal jurisdiction and venue of the Supreme Court of New York County and the United States District Court for the Southern District of New York with respect to such matters. Savoy Associates makes no representation that materials on this Site are appropriate or available for use in other locations, and accessing them from territories where this Site's contents are illegal is prohibited. Those who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with local laws. Privacy and Information Disclosure SavoyAssociates.com has established a Website Privacy Policy to explain to users how their information is collected and used. Your use of the Savoy Associates website or the Service signifies acknowledgement of and agreement to our Privacy Policy. You further acknowledge and agree that Savoy Associates may, in its sole discretion, preserve or disclose your Content, as well as your information, such as email addresses, IP addresses, timestamps, and other user information, if required to do so by law or in the good-faith belief that such preservation or disclosure is reasonably necessary to: comply with legal process; enforce the TOU; respond to claims that any Content violates the rights of third-parties; respond to claims that contact information (e.g. phone number, street address) of a third-party has been posted or transmitted without their consent or as a form of harassment; protect the rights, property, or personal safety of SavoyAssociates.com, its users or the general public. Click here to access SavoyAssociates.com’s privacy policy. No Spam Policy You understand and agree that sending unsolicited email advertisements to SavoyAsssociates.com email addresses or through CopticWorld.org computer systems, which is expressly prohibited by these Terms, will use or cause to be used servers located in Florham Park, New Jersey. Any unauthorized use of SavoyAssociates.com computer systems is a violation of these Terms and certain federal and state laws, including without limitation the Computer Fraud and Abuse Act (18 U.S.C.Â. § 1030 et seq.). Such violations may subject the sender and his or her agents to civil and criminal penalties. By violating this policy, you consent to personal jurisdiction in the State of New Jersey. Limitations on Service You acknowledge that SavoyAssociates.com may establish limits concerning use of the Service, including the maximum number of days that Content will be retained by the Service, the maximum number and size of postings, email messages, or other Content that may be transmitted or stored by the Service, and the frequency with which you may access the Service. You agree that SavoyAssociates.com has no responsibility or liability for the deletion or failure to store any Content maintained or transmitted by the Service. You acknowledge that SavoyAssociates.com reserves the right at any time to modify or discontinue the Service (or any part thereof) with or without notice, and that Savoy Associates shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service. Disclaimer of Warranties YOU AGREE THAT USE OF THE SAVOYASSOCIATES.COM SITE AND THE SERVICE IS ENTIRELY AT YOUR OWN RISK. THE SAVOYASSOCIATES.COM SITE AND THE SERVICE ARE PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND. ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS ARE EXPRESSLY DISCLAIMED TO THE FULLEST EXTENT PERMITTED BY LAW. TO THE FULLEST EXTENT PERMITTED BY LAW, SAVOYASSOCIATES.COM DISCLAIMS ANY WARRANTIES FOR THE SECURITY, RELIABILITY, TIMELINESS, ACCURACY, AND PERFORMANCE OF SAVOY ASSOCIATES SITE AND THE SERVICE. TO THE FULLEST EXTENT PERMITTED BY LAW, SAVOY ASSOICATES DISCLAIMS ANY WARRANTIES FOR OTHER SERVICES OR GOODS RECEIVED THROUGH OR ADVERTISED ON THE SAVOYASSCOIATES.COM SITE OR THE SERVICE, OR ACCESSED THROUGH ANY LINKS ON THE SAVOYASSOCIATES.COM SITE. TO THE FULLEST EXTENT PERMITTED BY LAW, SAVOYASSOCIATES.COM DISCLAIMS ANY WARRANTIES FOR VIRUSES OR OTHER HARMFUL COMPONENTS IN CONNECTION WITH THE SAVOYASSOCAITES.COM SITE OR THE SERVICE. Some jurisdictions do not allow the disclaimer of implied warranties. In such jurisdictions, some of the foregoing disclaimers may not apply to you insofar as they relate to implied warranties. Limitations of Liability UNDER NO CIRCUMSTANCES SHALL SAVOYASSOCIATES.COM BE LIABLE FOR DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES (EVEN IF SAVOYASSOCIATES.COM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM ANY ASPECT OF YOUR USE OF THE SAVOYASSCOIATES.COM SITE OR THE SERVICE, WHETHER THE DAMAGES ARISE FROM USE OR MISUSE OF THE SAVOYASSOCIATES.COM SITE OR THE SERVICE, FROM INABILITY TO USE THE SAVOYASSOCIATES.COM SITE OR THE SERVICE, OR THE INTERRUPTION, SUSPENSION, MODIFICATION, ALTERATION, OR TERMINATION OF THE SAVOYASSOCIATES.COM SITE OR THE SERVICE. SUCH LIMITATION SHALL ALSO APPLY WITH RESPECT TO DAMAGES INCURRED BY REASON OF OTHER SERVICES OR PRODUCTS RECEIVED THROUGH OR ADVERTISED IN CONNECTION WITH THE SAVOYASSOCIATES.COM SITE OR THE SERVICE OR ANY LINKS ON THE SAVOYASSOCIATES.COM SITE, AS WELL AS BY REASON OF ANY INFORMATION OR ADVICE RECEIVED THROUGH OR ADVERTISED IN CONNECTION WITH SAVOYASSOCIATES.COM SITE OR THE SERVICE OR ANY LINKS ON THE SAVOYASSCOIATES.COM SITE. THESE LIMITATIONS SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW. In some jurisdictions, limitations of liability are not permitted. In such jurisdictions, some of the foregoing limitation may not apply to you. Termination You agree that SavoyAssociates.com, in its sole discretion, has the right (but not the obligation) to delete or deactivate your account, block your email or IP address, or otherwise terminate your access to or use of the Service (or any part thereof), immediately and without notice, and remove and discard any Content within the Service, for any reason, including, without limitation, if SaovyAssociates.com believes that you have acted inconsistently with the letter or spirit of the TOU. Further, you agree that SavoyAssociates.com shall not be liable to you or any third-party for any termination of your access to the Service. Further, you agree not to attempt to use the Service after said termination. Sections 2, 9, 11, 17, 19 and 21 shall survive termination of the TOU. Upon termination of this Agreement, you must promptly destroy all materials downloaded or otherwise obtained from this Site, as well as all copies of such materials, whether made under the terms of this Agreement or otherwise. Our Company Press Licensing Employer Services Vendor Partners Privacy Careers Contact Terms Copyright © 2021 Donald C. Savoy, Inc. All Rights Reserved. Savoy Associates® is a registered trademark and assumed name for an insurance producer licensed in these states. This site contains content and resources provided by third parties, and all content and resources are provided for informational purposes only. Speak with a licensed professional at Savoy Associates for details regarding insurance product offerings.