Terms of Use
Effective date: December 21, 2022

Welcome to reThought Insurance. Please read on to learn the rules and restrictions that govern your use of our website. If you have any questions, comments, or concerns regarding these terms or our website, please contact us at:

Email: info@rethoughtinsurance.com
Phone: (888) 380-3124
Address: 11001 West 120th Avenue, Suite 400, Broomfield, CO 80021

These Terms of Use (the “Terms”) are a binding contract between you and RETHOUGHT INSURANCE, INC. (“reThought Insurance,” “we” and “us”). Your use of our website in any way means that you agree to all of these Terms, and these Terms will remain in effect while you use our website. These Terms include the provisions in this document as well as those in the Privacy Policy https://www.rethoughtinsurance.com/privacy-policy. 

Please read these Terms carefully. They cover important information about our website. PLEASE NOTE THAT YOUR USE OF AND ACCESS TO OUR WEBSITE ARE SUBJECT TO THE FOLLOWING TERMS; IF YOU DO NOT AGREE TO ALL OF THE FOLLOWING, YOU MAY NOT USE OR ACCESS OUR WEBSITE IN ANY MANNER.

Will these Terms ever change?

We are constantly trying to improve our website, so these Terms may need to change along with our website. We reserve the right to change the Terms at any time, but if we do, we will place a notice on our site located at https://www.rethoughtinsurance.com, send you an email, and/or notify you by some other means. 

If you don’t agree with the new Terms, you are free to reject them; unfortunately, that means you will no longer be able to use our website. If you use our website in any way after a change to the Terms is effective, that means you agree to all of the changes. 
Except for changes by us as described here, no other amendment or modification of these Terms will be effective unless in writing and signed by both you and us. 

What about my privacy?

reThought Insurance takes the privacy of its users very seriously. For the current reThought Insurance Privacy Policy, please click here https://www.rethoughtinsurance.com?open=privacy-policy.

Children’s Online Privacy Protection Act

The Children’s Online Privacy Protection Act (“COPPA”) requires that online service providers obtain parental consent before they knowingly collect personally identifiable information online from children who are under 13 years of age. We do not knowingly collect or solicit personally identifiable information from children under 13 years of age; if you are a child under 13 years of age, please do not attempt to register for or otherwise use our website or send us any personal information. If we learn we have collected personal information from a child under 13 years of age, we will delete that information as quickly as possible. If you believe that a child under 13 years of age may have provided us personal information, please contact us at info@rethoughtinsurance.com.

What are the basics of using reThought Insurance?

You represent and warrant that you are an individual of legal age to form a binding contract (or if not, you’ve received your parent’s or guardian’s permission to use our website and have gotten your parent or guardian to agree to these Terms on your behalf). 
You will only use our website for your own internal, personal, non-commercial use, and not on behalf of or for the benefit of any third party, and only in a manner that complies with all laws that apply to you. If your use of our website is prohibited by applicable laws, then you aren’t authorized to use our website. We can’t and won’t be responsible for your using our website in a way that breaks the law.

What about messaging?

As part of our website, you may receive communications through our website, including messages that reThought Insurance sends you (for example, via email). 

Are there restrictions in how I can use our website?

You represent, warrant, and agree that you will not provide or contribute anything, including any Content (as that term is defined below), to our website, or otherwise use or interact with our website, in a manner that:
(a)	infringes or violates the intellectual property rights or any other rights of anyone else (including reThought Insurance);
(b)	violates any law or regulation, including, without limitation, any applicable export control laws, privacy laws or any other purpose not reasonably intended by reThought Insurance;
(c)	is dangerous, harmful, fraudulent, deceptive, threatening, harassing, defamatory, obscene, or otherwise objectionable;
(d)	attempts, in any manner, to obtain the password, account, or other security information from any other user;
(e)	violates the security of any computer network, or cracks any passwords or security encryption codes;
(f)	runs Maillist, Listserv, any form of auto-responder or “spam” on our website, or that otherwise interfere with the proper working of our website (including by placing an unreasonable load on our website’ infrastructure);
(g)	“crawls,” “scrapes,” or “spiders” any page, data, or portion of or relating to our website or Content (through use of manual or automated means);
(h)	copies or stores any significant portion of the Content; or
(i)	decompiles, reverse engineers, or otherwise attempts to obtain the source code or underlying ideas or information of or relating to our website.

A violation of any of the foregoing is grounds for termination of your right to use or access our website. 

What are my rights in our website?

The materials displayed or performed or available on or through our website, including, but not limited to, text, graphics, data, articles, photos, images, illustrations and so forth (all of the foregoing, the “Content”) are protected by copyright and/or other intellectual property laws. You promise to abide by all copyright notices, trademark rules, information, and restrictions contained in any Content you access through our website, and you won’t use, copy, reproduce, modify, translate, publish, broadcast, transmit, distribute, perform, upload, display, license, sell, commercialize or otherwise exploit for any purpose any Content not owned by you, (i) without the prior consent of the owner of that Content or (ii) in a way that violates someone else’s (including reThought Insurance's) rights.

Subject to these Terms, we grant each user of our website a worldwide, non-exclusive, non-sublicensable and non-transferable license to use (i.e., to download and display locally) Content solely for purposes of using our website. Use, reproduction, modification, distribution or storage of any Content for any purpose other than using our website is expressly prohibited without prior written permission from us. You understand that reThought Insurance owns our website. You won’t modify, publish, transmit, participate in the transfer or sale of, reproduce (except as expressly provided in this Section), create derivative works based on, or otherwise exploit any of our website. Our website may allow you to copy or download certain Content, but please remember that even where these functionalities exist, all the restrictions in this section still apply.

What else do I need to know?

Warranty Disclaimer. reThought Insurance and its licensors, suppliers, partners, parent, subsidiaries or affiliated entities, and each of their respective officers, directors, members, employees, consultants, contract employees, representatives and agents, and each of their respective successors and assigns (reThought Insurance and all such parties together, the “reThought Insurance Parties”) make no representations or warranties concerning our website, including without limitation regarding any content, services or products contained in or accessed through our website. RETHOUGHT INSURANCE FOR ITSELF AND THE RETHOUGHT INSURANCE PARTIES DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT. SOME STATES DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. 

Limitation of Liability. TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY (INCLUDING, WITHOUT LIMITATION, TORT, CONTRACT, STRICT LIABILITY, OR OTHERWISE) SHALL ANY OF THE RETHOUGHT INSURANCE PARTIES BE LIABLE TO YOU OR TO ANY OTHER PERSON FOR (A) ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES OF ANY KIND, INCLUDING DAMAGES FOR LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF DATA, LOSS OF GOODWILL, WORK STOPPAGE, ACCURACY OF RESULTS, OR COMPUTER FAILURE OR MALFUNCTION, (B) ANY SUBSTITUTE GOODS, SERVICES OR TECHNOLOGY, (C) ANY AMOUNT, IN THE AGGREGATE, IN EXCESS OFONE-HUNDRED ($100) DOLLARS, OR (D) ANY MATTER BEYOND OUR REASONABLE CONTROL. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL OR CERTAIN OTHER DAMAGES, SO THE ABOVE LIMITATION AND EXCLUSIONS MAY NOT APPLY TO YOU. 

Assignment. You may not assign, delegate or transfer these Terms or your rights or obligations hereunder, in any way (by operation of law or otherwise) without reThought Insurance's prior written consent. We may transfer, assign, or delegate these Terms and our rights and obligations without consent.

Choice of Law. These Terms are governed by and will be construed under applicable federal law, and the laws of the State of Delaware, without regard to the conflicts of laws provisions thereof.

Miscellaneous. The failure of either you or us to exercise, in any way, any right herein shall not be deemed a waiver of any further rights hereunder. If any provision of these Terms are found to be unenforceable or invalid, that provision will be limited or eliminated, to the minimum extent necessary, so that these Terms shall otherwise remain in full force and effect and enforceable. You and reThought Insurance agree that these Terms are the complete and exclusive statement of the mutual understanding between you and reThought Insurance, and that these Terms supersede and cancel all previous written and oral agreements, communications and other understandings relating to the subject matter of these Terms. You hereby acknowledge and agree that you are not an employee, agent, partner, or joint venture of reThought Insurance, and you do not have any authority of any kind to bind reThought Insurance in any respect whatsoever. 

You and reThought Insurance agree there are no third-party beneficiaries intended under these Terms.

Privacy Policy
Effective date: December 21, 2022

At reThought Insurance, we take your privacy seriously. Please read this Privacy Policy to learn how we treat your personal data. By using or accessing our Services in any manner, you acknowledge that you accept the practices and policies outlined below, and you hereby consent that we will collect, use and share your information as described in this Privacy Policy. 

Remember that your use of reThought Insurance's Services is at all times subject to our Terms of Use https://www.rethoughtinsurance.com/terms-of-use, which incorporates this Privacy Policy. Any terms we use in this Policy without defining them have the definitions given to them in the Terms of Use. 

You may print a copy of this Privacy Policy at https://www.rethoughtinsurance.com/privacy-policy.  

Privacy Policy Table of Contents
 
What this Privacy Policy Covers
Personal Data
	Categories of Personal Data We Collect
	Categories of Sources of Personal Data
	Our Commercial or Business Purposes for Collecting Personal Data
How We Share Your Personal Data
Tracking Tools and Opt-Out
Data Security and Retention
Personal Data of Children
Other State Law Privacy Rights
Changes to this Privacy Policy
Contact Information

What this Privacy Policy Covers

This Privacy Policy covers how we treat Personal Data that we gather when you access or use our Services. “Personal Data” means any information that identifies or relates to a particular individual and also includes information referred to as “personally identifiable information” or “personal information” under applicable data privacy laws, rules or regulations. This Privacy Policy does not cover the practices of companies we don’t own or control or people we don’t manage.

Personal Data

Categories of Personal Data We Collect 
The following subsections detail the categories of Personal Data that we collect and have collected over the past twelve (12) months.

Profile or Contact Data
	Examples of Personal Data Collected:
	      Name
              Email
              Address
              Phone Number
              Company Name, Address and Phone Number
	Source: 
              You
	Third Parties with Whom We Share Data for Business Purposes: 
              Service Providers
              Business Partners 
              Analytics Providers
              Parties You Authorize, Access or Authenticate

Device/IP Information
	Examples of Personal Data Collected:
              IP address
              Device ID
              Domain server
              Type of device/operating system/browser used to access the Services 
	Source: 
              You
              Third Parties
	Third Parties with Whom We Share Data for Business Purposes: 
              Service Providers
              Analytics Providers
              Parties You Authorize, Access or Authenticate

Web Analytics
	Examples of Personal Data Collected:
              Web page interactions
              Referring webpage/source through which you access the Services
              Non-identifiable request IDs
              Statistics associated with the interaction between device or browser and the Services 
	Source: 
              You
              Third Parties
	Third Parties with Whom We Share Data for Business Purposes: 
              Service Providers
              Analytics Providers

Other Identifying Information That You Voluntarily Choose to Provide
	Examples of Personal Data Collected:
              Personal Data in emails or letters you send to us
	Source: 
              You
	Third Parties with Whom We Share Data for Business Purposes: 
              Service Providers
              Business Partners 
              Analytics Providers
              Parties You Authorize, Access or Authenticate

Categories of Sources of Personal Data
We collect Personal Data about you from the following categories of sources:
              You
	When you provide such information directly to us.
              When you use our interactive tools and Services.
              When you voluntarily provide information in free-form text boxes through the Services or through responses to surveys or questionnaires.
              When you send us an email or otherwise contact us.  
	When you use the Services and such information is collected automatically.
              Through Cookies (defined in the “Tracking Tools and Opt-Out” section below).
              If you use a location-enabled browser, we may receive information about your location.
              If you download and install certain applications and software we make available, we may receive and collect information transmitted from your computing device for the purpose of providing you the relevant Services.
              [Public Records
o	From the government or other sources.] 
              Third Parties
o	Vendors
              We may use analytics providers to analyze how you interact and engage with the Services, or third parties may help us provide you with customer support .


Our Commercial or Business Purposes for Collecting Personal Data
              Providing, Customizing and Improving the Services
	Processing orders or other transactions; billing.
	Providing you with the products, services or information you request.
	Meeting or fulfilling the reason you provided the information to us.
	Providing support and assistance for the Services.
	Improving the Services, including testing, research, internal analytics and product development.
	Personalizing the Services, website content and communications based on your preferences.
              Marketing the Services
	Marketing and selling the Services.
              	Corresponding with You
	Responding to correspondence that we receive from you, contacting you when necessary or requested, and sending you information about reThought Insurance or the Services.
	Sending emails and other communications according to your preferences or that display content that we think will interest you.  
              Meeting Legal Requirements and Enforcing Legal Terms
	Fulfilling our legal obligations under applicable law, regulation, court order or other legal process, such as preventing, detecting and investigating security incidents and potentially illegal or prohibited activities.
	Protecting the rights, property or safety of you, reThought Insurance or another party.
	Enforcing any agreements with you.
	Responding to claims that any posting or other content violates third-party rights.
	Resolving disputes.

We will not collect additional categories of Personal Data or use the Personal Data we collected for materially different, unrelated or incompatible purposes without providing you notice.

How We Share Your Personal Data

We disclose your Personal Data to the categories of service providers and other parties listed in this section.  Depending on state laws that may be applicable to you, some of these disclosures may constitute a “sale” of your Personal Data. For more information, please refer to the state-specific sections below.

Service Providers. These parties help us provide the Services or perform business functions on our behalf. They include:
Hosting, technology and communication providers.
Support and customer service vendors .

Analytics Partners. These parties provide analytics on web traffic or usage of the Services. They include:
Companies that track how users found or were referred to the Services.
Companies that track how users interact with the Services.

Business Partners. These parties partner with us in offering various services. They include:
Businesses that you have a relationship with.
[Insurance companies that we partner with for insurance claims]
Companies that we partner with to offer joint promotional offers or opportunities. ]

Parties You Authorize, Access or Authenticate
Third parties you access through the services.
Other users .

Legal Obligations

We may share any Personal Data that we collect with third parties in conjunction with any of the activities set forth under “Meeting Legal Requirements and Enforcing Legal Terms” in the “Our Commercial or Business Purposes for Collecting Personal Data” section above. 

Business Transfers

All of your Personal Data that we collect may be transferred to a third party if we undergo a merger, acquisition, bankruptcy or other transaction in which that third party assumes control of our business (in whole or in part). Should one of these events occur, we will make reasonable efforts to notify you before your information becomes subject to different privacy and security policies and practices.

Data that is Not Personal Data

We may create aggregated, de-identified or anonymized data from the Personal Data we collect, including by removing information that makes the data personally identifiable to a particular user. We may use such aggregated, de-identified or anonymized data and share it with third parties for our lawful business purposes, including to analyze, build and improve the Services and promote our business, provided that we will not share such data in a manner that could identify you.  

Tracking Tools and Opt-Out

The Services use cookies and similar technologies such as pixel tags, web beacons, clear GIFs and JavaScript (collectively, “Cookies”) to enable our servers to recognize your web browser, tell us how and when you visit and use our Services, analyze trends, learn about our user base and operate and improve our Services. Cookies are small pieces of data– usually text files – placed on your computer, tablet, phone or similar device when you use that device to access our Services. We may also supplement the information we collect from you with information received from third parties, including third parties that have placed their own Cookies on your device(s). Please note that because of our use of Cookies, the Services do not support “Do Not Track” requests sent from a browser at this time.
We use the following types of Cookies: 

Essential Cookies. Essential Cookies are required for providing you with features or services that you have requested. For example, certain Cookies enable you to log into secure areas of our Services. Disabling these Cookies may make certain features and services unavailable.

Functional Cookies. Functional Cookies are used to record your choices and settings regarding our Services, maintain your preferences over time and recognize you when you return to our Services. These Cookies help us to personalize our content for you, greet you by name and remember your preferences (for example, your choice of language or region).

Performance/Analytical Cookies. Performance/Analytical Cookies allow us to understand how visitors use our Services. They do this by collecting information about the number of visitors to the Services, what pages visitors view on our Services and how long visitors are viewing pages on the Services. Performance/Analytical Cookies also help us measure the performance of our advertising campaigns in order to help us improve our campaigns and the Services’ content for those who engage with our advertising. For example, Google LLC (“Google”) uses cookies in connection with its Google Analytics services. Google’s ability to use and share information collected by Google Analytics about your visits to the Services is subject to the Google Analytics Terms of Use and the Google Privacy Policy. You have the option to opt-out of Google’s use of Cookies by visiting the Google advertising opt-out page at www.google.com/privacy_ads.html or the Google Analytics Opt-out Browser Add-on at https://tools.google.com/dlpage/gaoptout/. 

You can decide whether or not to accept Cookies through your internet browser’s settings. Most browsers have an option for turning off the Cookie feature, which will prevent your browser from accepting new Cookies, as well as (depending on the sophistication of your browser software) allow you to decide on acceptance of each new Cookie in a variety of ways. You can also delete all Cookies that are already on your device. If you do this, however, you may have to manually adjust some preferences every time you visit our website and some of the Services and functionalities may not work. 

To explore what Cookie settings are available to you, look in the “preferences” or “options” section of your browser’s menu. To find out more information about Cookies, including information about how to manage and delete Cookies, please visit http://www.allaboutcookies.org/.

Data Security and Retention

We seek to protect your Personal Data from unauthorized access, use and disclosure using appropriate physical, technical, organizational and administrative security measures based on the type of Personal Data and how we are processing that data. Although we work to protect the security of your data that we hold in our records, please be aware that no method of transmitting data over the internet or storing data is completely secure.
We retain Personal Data about you for as long as necessary to provide you with our Services. In some cases we retain Personal Data for longer, if doing so is necessary to comply with our legal obligations, resolve disputes or collect fees owed, or is otherwise permitted or required by applicable law, rule or regulation. We may further retain information in an anonymous or aggregated form where that information would not identify you personally.

Personal Data of Children

As noted in the Terms of Use, we do not knowingly collect or solicit Personal Data about children under 13  years of age; if you are a child under the age of 13, please do not attempt to register for or otherwise use the Services or send us any Personal Data. If we learn we have collected Personal Data from a child under 13 years of age, we will delete that information as quickly as possible. If you believe that a child under 13 years of age may have provided Personal Data to us, please contact us at info@rethoughtinsurance.com.
State Law Privacy Rights

California Resident Rights

Under California Civil Code Sections 1798.83-1798.84, California residents are entitled to contact us to prevent disclosure of Personal Data to third parties for such third parties’ direct marketing purposes; in order to submit such a request, please contact us at info@rethoughtinsurance.com. 

Nevada Resident Rights

If you are a resident of Nevada, you have the right to opt-out of the sale of certain Personal Data to third parties who intend to license or sell that Personal Data. You can exercise this right by contacting us at info@rethoughtinsurance.com with the subject line “Nevada Do Not Sell Request” and providing us with your name. 

Changes to this Privacy Policy

We’re constantly trying to improve our Services, so we may need to change this Privacy Policy from time to time, but we will alert you to any such changes by placing a notice on the reThought Insurance website, by sending you an email and/or by some other means. Please note that if you’ve opted not to receive legal notice emails from us (or you haven’t provided us with your email address), those legal notices will still govern your use of the Services, and you are still responsible for reading and understanding them. If you use the Services after any changes to the Privacy Policy have been posted, that means you agree to all of the changes. Use of information we collect is subject to the Privacy Policy in effect at the time such information is collected.

Contact Information:

If you have any questions or comments about this Privacy Policy, the ways in which we collect and use your Personal Data or your choices and rights regarding such collection and use, please do not hesitate to contact us at:
•	(888) 380-3124
•	https://www.rethoughtinsurance.com
•	info@rethoughtinsurance.com
•	1001 West 120th Avenue, Suite 400, Broomfield, CO 80021