Last Updated: November, 2021
TERMS, CONDITIONS, AND NOTICES
Hi ya and thanks for visiting! While you enjoy and use this website, please keep the following in mind.
Terms of Use
This website is maintained by Gild LLC and its subsidiary, Gild Insurance Agency LLC. The content on this site is informational and provided “as-is”. It is not meant to replace legal, professional, or regulatory advice. Your interaction and use of this site means you are agreeing to the terms, conditions, and notices provided here. Please check back periodically! Content may be updated or revised from time to time.
Insurance Services
Gild Insurance Agency LLC is a licensed insurance agent offering small business insurance coverages across the United States. As an agent, Gild Insurance Agency does not control the provisions or coverages included in an insurance policy. All coverages, provisions, and policies may not be available in all States.
If you select the option to bind on this website or via email, you agree to enter into a legally binding contract with the insurance entities represented by Gild Insurance Agency LLC and the terms outlined in your insurance policy. You are also agreeing to electronically interact with Gild Insurance Agency LLC. You will receive communications, disclosures, notices, and other important information electronically.
Member and Account Services
To obtain insurance coverages or become a member of the Gild Community, you will be asked to create an account. Information provided must be accurate and truthful. It is your responsibility to update account information to ensure the ongoing accuracy of this information. By creating an account, you are agreeing to electronically interact with Gild LLC and Gild Insurance Agency LLC. Interactions may include emails, text messages, or push notifications.
The account section of this website is a password protected area. Unauthorized access or use is prohibited. To protect your data, an account may be terminated, without notice, if suspected or actual unauthorized access or use occurred.
If you suspect your account information has been compromised, immediately email enterprising@yourgild.com.
Privacy
Please read the information on the privacy page. It outlines how data is protected and used by Gild LLC and Gild Insurance Agency LLC. This is important, it’ll just take a moment of your time.
Submissions
By providing ideas, questions, comments, and thoughts to Gild LLC or Gild Insurance Agency, you acknowledge that the information is not confidential or proprietary. Through these submissions you agree to transfer all rights to such information, including, but not limited to, reproduction, transmission, disclosure, publication, and posting.
Payments
Insurance coverages are purchased via credit or debit card. Storage of credit card data and processing of credit card transactions occur via a third party vendor. The card charged for your initial insurance purchase, and stored by the third party vendor, will be
charged annually with your permission, in connection with policy renewals. Statements, invoices, and receipts related to initial and annual transactions are available in your account on this website or provided via email.
Refunds related to these transactions are typically issued within fourteen days from request via check by your insurance provider. Provider contact information is available in your policy documents found in your account on this website.
If you would like to cancel automatic renewal or have questions regarding a recent card transaction, please email enterprising@yourgild.com.
Policy Cancellation
If you wish to cancel your policy, please email enterprising@yourgild.com or contact your insurance entity directly. Entity contact information is available in your policy documents found in your account on this website.
Insurance Digital Assistant
The digital assistant function on this website serves as a guide for those seeking insurance coverages. All decisions regarding coverage type, limits, deductibles, and amounts are your sole responsibility.
Intellectual Property
Please assume that all content, logos, and marks on this website are legally protected. These items are owned by Gild LLC, Gild Insurance Agency LLC, or partner insurance entities. Use, reproduction, or transmission of data is not permitted.
Indemnity
Your use of this website and associated services is an agreement to indemnify and hold harmless us, our officers, directors, employees and agents against all claims, damages, obligations, losses, liabilities, costs and expenses of defense, including, but not limited to, attorney’s fees, which arise from (1) your use of this website and its services; (2) your violation of the provided in the Terms, or (3) your violation of any third-party right, such as, but not limited to, copyright or privacy right. Indemnification obligations survive any termination of these Terms and your use of the Services. In addition, as applicable under California law, use of this website and associated services constitutes waiver of the applicability of California Civil Code section 1542.
Agreement To Arbitrate
Disputes related to the terms, services, and privacy notices of Gild LLC or Gild Insurance Agency LLC will be ultimately resolved under the Commercial Arbitration Rules of the American Arbitration Association (AAA) conducted in the State of Delaware. All parties hereby expressly waive trial by jury, class actions, or class-wide arbitration actions, except as related to disputes regarding intellectual property.
Arbitrators will be mutually agreed upon. If agreement cannot be reached, within thirty (30) days of either party’s request for arbitration, such arbitrator shall be selected by the AAA upon the request of either party. Parties will share the cost of arbitration equally. However, reimbursement of the prevailing parties attorney’s fees may be awarded based on arbitrator’s recommendation. All arbitrator decisions will be considered final and binding, with considerations for judicial acceptance of awards. At no time, may an arbitrator authorize damages, rewards, or remedies in conflict with these Terms. Obligations regarding this arbitration agreement survive any termination of these Terms and use of our services.
To opt-out of this arbitration agreement, provide a letter detailing (1) your decision to opt-out of the arbitration agreement and (2) your contact information, including name, address, and phone number. You must sign the letter and send to: Gild, 16192 Coastal Highway, Lewes, DE 19958.
Miscellaneous
Your access and use of our website and services is confirmation that you are able to (1) legally enter into a binding contract; (2) are eighteen (18) years of age or older, and (3) are yourself, or on behalf of a business, authorized to enter into binding agreements.
Contact Us
As always, if you have any questions, concerns, or thoughts, please email enterprising@yourgild.com.
