Terms & Privacy Policy

Privacy Statement

We recognize the importance of privacy of visitors to the Insurance Radio News (IRN) web site, and we want every user (you) to know how we collect and use information about you when you visit our Web site. This privacy policy explains what type of information is collected from you when you visit this site and how we may use that information.

Information we gather when you visit IRN  
Like virtually all other Web servers, IRN Web server automatically creates log files for each visitor who accesses our site. These “access logs” allow us to make our site more useful to our visitors. The access logs do not record a visitor’s name, address, phone number, credit card numbers, or any other personally identifying information. Rather, these log files may contain some or all of the following information:

  • The date of the visit
  • The time and length of the visit
  • The path taken through the Web site
  • The browser being used
  • A list of files downloaded or viewed
  • The amount of time spent listening to audio files
  • The Internet Protocol Address (IP Address) of the machine accessing our Web site*
  • Any errors encountered
  • *Most Internet Service Providers use a “dynamic” form of assigning IP Addresses. This means that a visitor may have a different IP address each time he or she visits an IRN Web site. Also, many Internet Service Providers, use “proxy servers,” which provide even more anonymity for visitors.

We use this information to aid the technical administration of the site and to better understand how it is functioning for our users. This information may be correlated with your profile, if you have provided this data, to provide special “personalized” services. This information may also be used in aggregate form.

We may track your visit to sections of our Web sites in order for some site features to function properly for you. In some instances, “cookies” or a similar technology may be used to update your registration records with session information. If you do not wish to accept a cookie from IRN servers, you can adjust the settings on your browser accordingly. Refusing to accept cookies from the IRN server may result in some limits on the benefits that we can automatically provide as you enjoy the IRN Web site.

Information you give us
IRN does not collect personally identifying information unless you choose to provide that information to us. Visitors under the age of 18 must obtain permission from their parents or guardians before sending any personally identifying information to IRN.

Name and contact information
IRN may ask visitors (you) to provide certain personal information when you: register for a contest; sign up for an e-mail list; request information; purchase products or services; contribute content that may be used on the Web site (e.g., guest recommendations or program reviews); participate in a discussion board or chat. You will also have the opportunity to request future e-mail contact from IRN regarding its programs and Web site. IRN tells you whether a specific piece of information is required at the time it is requested.

This information may be used by IRN to: verify your identity; manage a contest; gather your editorial comments and feedback; contact you for additional information or administrative purposes; provide attribution for any submitted content of yours published by IRN, and fulfill your order or request. If you opt-in to request future contact from IRN, you may receive e-mail regarding its programs and Web sites; otherwise, IRN will contact you only if necessary for the purposes above.

Unless explicitly stated otherwise at the time of submission, the personally identifying information you provide will not be sold, shared, or used for purposes other than listed above. If IRN does wish to add your information to a shared list, it will do so only if you provide permission when you submit your information-by default, your information will not be added; you must “opt-in.”

Demographic and Personal Information
IRN occasionally conducts online surveys, sometimes in association with a contest or other offer. These surveys may ask you for demographic information such as ZIP code, age, education, or income level. Unless otherwise explicitly indicated at the time you provide the information, this information is used in an aggregate form to help us understand our audiences and improve our services. Demographic and profile information may be shared with selected third-party organizations, only on an aggregate basis, to describe the nature of our online audiences.

Credit-card information
IRN is a free site for podcast visitors and financially supported by advertisers.  In the event that IRN does offer optional and related products or services this payment information applies to all financial transactions.  You must be 18 to engage in money-related transaction on an IRN site. When you do so, you will be asked for a credit card number. All financial transactions take place only on secure servers, and electronic communication of credit-card information is sent only in a secured or encrypted format. Your credit card information is saved, in an encrypted format, on internal systems that are either not connected to the Internet or are protected by advanced firewalls. This information is not made available to any third party and is considered completely confidential.

Special note for IRN listeners, subscribers, guests or members
IRN does not sell, rent or trade its listener, subscriber, guest or members’ names, mailing addresses, telephone numbers or email addresses.

Your California Privacy Rights
If you are a California resident, California Civil Code Section 1798.83 may entitle you to receive additional information from us regarding our disclosure of personal information to third parties for their direct marketing purposes and your right to opt-out of such disclosure. Please direct all such requests to us at the email and/or regular mail address provided below under “Contact Us”. If you do not want your name and contact information to be shared with any company or organization, you may notify us at any time by writing to us at the email and/or regular mail addresses designated below.

Contact IRN
If you have any questions about this privacy policy or any practices on IRN, or wish to request information pursuant to California Civil Code §1798.83(a), please send an e-mail to us at info@InsuranceRadio.com or send a letter by regular mail to: Insurance Radio News | P.O. Box 26482, Shawnee Mission, KS 66225.  IRN reserves the right to change this policy. Any changes to this policy will be posted to this page as soon as reasonably possible, so please check this page periodically.

Consent 
Your use of the IRN Web site constitutes consent to any policy then in effect.

Nielsen//NetRatings
The use of Nielsen//NetRatings’ Web site measurement software assists IRN in analyzing the user experience on our Web sites and improving the structure and ease of use of our Web sites. Nielsen//NetRatings is used to collect such information as the number of unique visitors, how long visitors spend on our Web sites, and common entry and exit points into and from the Web sites. We do not collect personally identifying information from our Web sites unless you choose to provide that information to us.

Further information about Nielsen//NetRatings including their privacy policy can be found on the Nielsen//NetRatings Web site (http://www.nielsen-netratings.com/privacy/sitecensus.htm).

Effective Date
This policy is effective December 1, 2014.

Terms & Conditions

LEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE. Your use of this site means that you agree to these terms of use. If you do not agree to these terms of use, do not use the site.

This site contains intellectual property owned by IRN and others. No material from IRN or any Web site owned, operated, licensed, or controlled by IRN, or any of its related, affiliated or subsidiary companies (collectively, “IRN”), may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, without the prior written permission of IRN, except that you may download one copy of the materials on any single computer for your personal, noncommercial home use only, provided you keep intact all copyright and other proprietary notices. Modification of the materials or use of the materials for any other purpose is a violation of IRN copyright and other proprietary rights.

If you download software from IRN, the software, including any files, images incorporated in or generated by the software, and data accompanying the software (collectively, the “Software”) are licensed to you by IRN. IRN does not transfer title to the Software to you. You own the medium on which the Software is recorded, but IRN retains full and complete title to the Software and all intellectual property rights therein. You may not redistribute, sell, decompile, reverse engineer, disassemble or otherwise reduce the Software to a human-perceivable form.

All comments, suggestions, ideas, notes, drawings, concepts, or other information disclosed or offered to IRN through use of this site or in response to solicitations in this site or other IRN sites (collectively, the “Responses”) shall become the property of IRN. IRN does not have any obligation of confidence and shall not be liable for any use or disclosure of any Responses. Unless otherwise stated, IRN and its licensees are entitled to unrestricted use of the Responses for any purpose whatsoever, commercial or otherwise, without compensation to you.

This site is controlled and operated by IRN from its offices within the State of Kansas, United States of America. Anyone who accesses this site from other locations does so on their own initiative and is responsible for compliance with local laws, if and to the extent local laws are applicable. Software from this site is further subject to United States export controls. No software from this site may be downloaded or otherwise exported or re-exported into (or to a national or resident of) of any country to which the U.S. has restricted exports. By downloading or using the Software, you represent and warrant that you are not located in, under the control of, or a national or resident of any such country.

This agreement is effective until terminated by either party. Upon termination you must destroy all materials obtained from any and all IRN site(s) and all related documentation and all copies and installations thereof, whether made under the terms of this agreement or otherwise.

The materials in this site are provided “AS IS” and without warranties of any kind, either express or implied. IRN does not warrant that the functions contained in the materials will be uninterrupted or error-free or that defects will be corrected. IRN also does not warrant that this site or the server that makes it available are free of viruses or other harmful components.

Please note: Links are provided for reference purposes only.  IRN has not evaluated the information provided on every site it links to, and their appearance here does not constitute an endorsement of any organization.

Links to IRN Web Pages

You may link to individual pages within IRN Web site, but you must do so in a way that presents the page in its entirety. You may not cause an IRN Web page to appear within the frame of another site nor may you link to individual page elements such as a graphic or photograph. You may not link directly to an IRN audio file or to an audio stream; you must link to the IRN page from which the file is accessed.

Links to IRN Web pages may be presented in text format only.   IRN-owned marks, logos, photos, or other images may not be used in association with links without express permission.

Links to IRN sites are made at the webmaster’s own risk. We reserve the right to change site structure and page filenames, which may result in broken links from external sites.
Permission to republish IRN content

Permission to republish content may be granted on a case by case basis by IRN and permission must be obtained in writing in advance of publication.  Please Contact Us.  If you are a broadcaster with questions about airing IRN programming please Contact Us.
User Submissions Terms of Use

User submissions include, but are not limited to, posts to IRN discussion boards, submissions to the commentary spaces, and all other content provided to any IRN Web sites by a site visitor.

  • You are responsible for all of your submissions.
    You may not post any messages misrepresenting yourself as someone else, or by using a false e-mail address. In IRN forums and content contributions, you must post under your own username, and are responsible for all posts from your account.
  • Your submissions may not infringe upon others’ use and enjoyment of the IRN Web site.
    Do not post any material or links to material that is libelous, defamatory, false, obscene, violent, abusive, threatening, harassing, prejudicial, or is otherwise in violation of the law or IRN’s guidelines. (If you see a violation of this policy in an IRN discussion space, please e-mail info@InsuranceRadio.com
  • You must have the rights to what you submit.
    You may only submit content for which you have the copyright or other specific permission to distribute electronically. You may not violate, plagiarize, or infringe on the rights of third parties including copyright, trademark, trade secret, privacy, or proprietary rights. You acknowledge that any submitted materials are in the public domain.
  • You grant us rights to what you submit.
    When you submit materials to the IRN Web sites, you grant us an irrevocable, nonexclusive, royalty-free license to redistribute or republish the information in any medium or form.
  • You may not submit content for commercial purposes.
    You cannot use IRN Web sites, including but not limited to the discussion boards, for commercial purposes, nor to distribute or otherwise publish any material containing requests for money, advertising, or solicitations and promotions of goods and services.
  • You hold us harmless.
    IRN do not endorse and are not responsible for any statement, opinion, or advice given or made by anyone other than authorized IRN representatives. All postings are those of the author, and you rely on such information at your own risk.
  • Your submission may be removed by us at our discretion, for any reason, or not posted at all.
    We will enforce the policies above through not posting offensive content, and removing such postings from the discussion boards. In instances of willful abuse, we reserve the right to take whatever action it determines is appropriate, including the termination of access privileges and legal action.

How to Make A Claim of Copyright Infringement

IRN respects the intellectual property of others and we ask those posting to this site to do the same. If you believe that your copyrighted work has been copied and is accessible on this site in a way that constitutes copyright infringement, you may notify us by providing our copyright agent with the following information:

  • The electronic or physical signature of the owner of the copyright or the person authorized to act on the owner’s behalf.
  • A description of the copyrighted work that you claim has been infringed and a description of the infringing activity.
  • Identification of the location where the original or an authorized copy of the copyrighted work exists, for example the URL of the Web site where it is posted or the name of the book in which it has been published.
  • Identification of the URL or other specific location of this site where the material that you claim is infringing is located; you must include enough information to allow us to locate the material.
  • Your name, address, telephone number, fax number, and e-mail address.
  • A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.
  • A statement by you, made under penalty or perjury, that the above information in your Notice is accurate and that you are the copyright owner or are authorized to act on the copyright owner’s behalf.

Our agent for notice of claims of copyright infringement on this site can be reached as follows:
By mail:
Legal Department
Insurance Radio News
P.O. Box 26482
Shawnee Mission, KS 66225