Our Privacy Policy Statement
Frank P. Licato Insurance Agency is committed to respecting the privacy of our clients, customers, and all website visitors.
In order to provide you with the best possible service it may be necessary for to store information about you. However, we
only collect information that you choose to provide us. This information includes but is not limited to your name, address, birth date,
e-mail address, phone number, and sometimes, social security number.
If you choose to apply for a loan we may ask you to state financial information
such as income history, amount and type of assets, liabilities, and marital status.
Sharing Information with Other Companies
In order to provide the products and services which you may desire or to provide
you with information about the products and services that Frank P. Licato Insurance Agency offers,
we may share certain information about you with affiliate companies such as automobile manufacturers or finance companies.
Frank P. Licato Insurance Agency may share your information with certain service providers in order
to make a lending decision. We may also share personal information with state and federal regulatory
agencies as we are required to do by law.
Sharing Information with Third Parties
We do not rent or sell our client list or mailing list to third parties.
Frank P. Licato Insurance Agency may share information with certain third parties in the conduct
of its business and providing financial services, including: (a) in the course of providing
any information, products or services which you may request, information may be provided
to lenders, financial partners and third parties who work in conjunction with you or Frank P. Licato Insurance Agency
(b) any disclosure required by applicable law, regulatory agency, auditor; (c) information provided to reputable
credit bureaus, information reporting agencies, financial institutions and merchants; and (iv) in conjunction with
providing financial services on-line, we provide certain information to third party service providers. Third parties will
be advised of the need to maintain the confidentiality of the information provided to them.
Removal from Frank P. Licato Insurance Agency Solicitations
If you are not a Frank P. Licato Insurance Agency customer and you are on our mailing list or if you do not want information
about the products and services Frank P. Licato Insurance Agency can provide, you may want to discontinue receiving mail,
e-mail or other solicitations. We respect your wishes and will remove you from our lists. Please send your name, email address,
mailing address and phone number to Frank P. Licato Insurance Agency at: 2325 Plainfield Avenue South Plainfield, NJ 07080. Please specify that you want to be removed from mail, e-mail or telephone solicitation.
In the event you are removed from our lists, we still need to communicate with customers on a regular basis to
notify them of service issues, or other items that may affect their relationship with Frank P. Licato Insurance Agency.
We would be happy to answer any other questions you may have. Just send us an e-mail.
Please contact us with any questions about our privacy policy at 908-757-5500.
Website & Content Disclaimers
Frank P. Licato Insurance Agency INTERNET SITE TERMS OF USE
PLEASE CAREFULLY REVIEW THESE TERMS OF USE BEFORE USING THIS SITE.
INTRODUCTION AND USER AGREEMENT
This Terms of Use Agreement (the "Agreement") sets forth the terms and
conditions for your use of this web site (the "Site"). The Site is owned and operated by
Frank P. Licato Insurance Agency ("Frank P. Licato Insurance Agency" or "We"). By using the Site, you agree to be bound by this Agreement.
If you do not agree to be legally bound by this Agreement, you should exit this Site immediately.
We reserve the right to amend this Agreement at any time and will notify you of any such
changes by posting the revised Agreement on the Site. You should check this Agreement periodically
for changes. All changes shall be effective upon posting. Your continued use of the Site after any
changed to this Agreement constitutes your agreement to be bound by any such changes. This Agreement
was last updated on July, 2005. Frank P. Licato Insurance Agency may terminate, suspend, change, or restrict access to all or
any part of this Site without notice or liability.
RESTRICTIONS ON THE USE OF SITE CONTENT
This Site contains text, data, photos, images and product and other information (collectively, "Content")
that is proprietary to Frank P. Licato Insurance Agency or its Content providers. You acknowledge that this Content is protected by copyrights,
trademarks, trade secrets, patents, or other proprietary rights, and that these rights are valid and protected in all
forms, media, and technologies existing now and hereinafter developed. You also acknowledge that the Content is and
shall remain the property of Frank P. Licato Insurance Agency or its Content providers (each a "Contributor") who have been involved in the
preparation or publication of the Content. You may not modify, transmit, participate in the sale or transfer of,
or create derivative works based on any Content, in whole or in part. Subject to your full compliance with this Agreement,
You may print copies of the Content, provided that these copies are made only for personal, non-commercial use and that you
maintain any notices contained in the Content, or maintained by the Contributor, such as all copyright notices, trademark
legends, or other proprietary rights notices. You shall not store electronically any significant portion of any Content.
Frank P. Licato Insurance Agency authorizes you to view and use the Content on this Site solely for your personal, noncommercial use. The use of the
Content on any other Site, including by linking or framing, or in any networked computer environment for any purpose is
prohibited without Frank P. Licato Insurance Agency's prior written approval.
TRADEMARKS
Frank P. Licato Insurance Agency (including the Frank P. Licato Insurance Agency logo), are trademarks or service marks of Frank P. Licato Insurance Agency. Other company, product,
and service names and logos used and displayed on this Site may be trademarks or service marks owned by Frank P. Licato Insurance Agency or others.
Nothing on this Site should be construed as granting, by implication, or otherwise, any license or right to use any of the
Frank P. Licato Insurance Agency Trademarks displayed on this Site. We prohibit use of any of the Frank P. Licato Insurance Agency Trademark as part of
a link to or from any site unless establishment of such a link is approved in advance by us in writing.
COPYRIGHT COMPLAINTS
If you believe, in good faith, that any materials on the Site infringe your copyrights, notifications of
claimed copyright infringement should be sent, in accordance with Title 17, United States Code, Section 512(c)(2)
(under the "Digital Millennium Copyright Act") to Frank P. Licato Insurance Agency's designated agent. Notification should include:
an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright
interest; a description of the copyrighted work that you claim has been infringed; a description of where the
material you claim is infringing is located on the Site; 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; and a statement by you,
made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright
owner or duly authorized to act on the copyright owner's behalf.
DISCLAIMER OF WARRANTIES
NONE OF Frank P. Licato Insurance Agency, ANY OF ITS AFFILIATES, PROVIDERS OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS,
AGENTS OR INDEPENDENT CONTRACTORS (COLLECTIVELY THE "Frank P. Licato Insurance Agency PARTIES") GUARANTEES THE ACCURACY, COMPLETENESS, OR USEFULNESS
OF ANY OF THE CONTENT. THIS SITE AND ALL OF THE CONTENT IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT ANY WARRANTY,
EITHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,
NON-INFRINGEMENT OR TITLE. ADDITIONALLY, THERE ARE NO WARRANTIES AS TO THE RESULTS OF YOUR USE OF THE CONTENT.
THE Frank P. Licato Insurance Agency PARTIES DO NOT WARRANT THAT THE SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
LIMITATION OF LIABILITY
UNDER NO CIRCUMSTANCES WILL THE Frank P. Licato Insurance Agency PARTIES BE LIABLE FOR ANY GENERAL, SPECIAL, DIRECT, INDIRECT, INCIDENTAL,
CONSEQUENTIAL PUNITIVE OR ANY OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR BUSINESS INTERRUPTION)
OF ANY KIND WHETHER IN AN ACTION ARISING OUT OF OR RELATING IN ANY WAY TO YOUR USE, OR INABILITY TO USE, THE CONTENT,
THE SITE OR ANY THIRD PARTY SITE TO WHICH THIS SITE IS LINKED. Frank P. Licato Insurance Agency IS NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL
CONDUCT OF ANY USER. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THIS SITE IS TO STOP USING THE SITE. IF THE FOREGOING
LIMITATION IS FOUND TO BE INVALID, YOU AGREE THAT THE Frank P. Licato Insurance Agency PARTIES' TOTAL LIABILITY FOR ALL DAMAGES, LOSSES, OR
CAUSES OF ACTION OF ANY KIND OR NATURE SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.
INDEMNIFICATION
You agree to indemnify and hold harmless the Frank P. Licato Insurance Agency Parties from and against any and all claims, losses, expenses, or demands
or liabilities, including attorneys' fees and costs, incurred by the Frank P. Licato Insurance Agency Parties in connection with any claim by a third party
(including any intellectual property claim) arising out of (i) your use of the Site in violation of this Agreement or in violation of any applicable law. You further agree that you will cooperate as
reasonably required in the defense of any such claims. The Frank P. Licato Insurance Agency Parties reserve the right, at their own expense, to assume the exclusive
defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or
matter without the written consent of Frank P. Licato Insurance Agency.
LINKS TO THIRD PARTY SITES
This Site may contain links to web sites controlled, owned, and operated by third parties (the "Third Party Sites"). Frank P. Licato Insurance Agency
cannot control and has no responsibility for the accuracy or availability of information provided on the Third Party Sites.
You acknowledge that use of any Third Party Sites is governed by the terms of use for those websites, and not by this Agreement.
Links to Third Party Sites do not constitute an endorsement by Frank P. Licato Insurance Agency of such sites or the content, products, advertising or other
materials presented on such sites, but are for your convenience and you access them at your own risk. WE ARE NOT RESPONSIBLE FOR THE
CONTENT OF ANY THIRD PARTY WEB SITES, NOR DO WE MAKE ANY WARRANTIES OR REPRESENTATIONS, EXPRESS OR IMPLIED, REGARDING THE CONTENT
(OR THE ACCURACY OF SUCH CONTENT) ON ANY THIRD PARTY WEB SITES, AND Frank P. Licato Insurance Agency SHALL HAVE NO LIABILITY OF ANY NATURE WHATSOEVER IN RELATION
TO ANY OF THE FOREGOING.
DEALINGS WITH ADVERTISERS
Your correspondence or business dealings with, or participation in promotions of, advertisers or other third parties found
on or through the Site, including payment and delivery of related goods or services, and any other terms, conditions,
warranties or representations associated with such dealings are solely between you and such advertiser. You agree that
we are not responsible nor shall we be liable for any loss or damage of any sort incurred as a result of any such dealings
or as the result of the presence of such advertiser on the Site.
USE OF PERSONALLY IDENTIFIABLE INFORMATION
Frank P. Licato Insurance Agency's practices and policies with respect to the collection and use of personally identifiable
information is governed according to Frank P. Licato Insurance Agency's Privacy Policy.
USER CONDUCT
You agree to use the Content and Site only for lawful purposes. You are prohibited from any use of the Content or
Site that would constitute an illegal offense, give rise to liability or otherwise violate any applicable local,
state, national or international law or regulation.
USER MUST COMPLY WITH APPLICABLE LAWS
This Site is based in New Jersey, United States. Frank P. Licato Insurance Agency makes no claims concerning whether the Content may be
downloaded or are appropriate for use outside of the United States. If you access this Site from outside of
the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction.
COMPLIANCE WITH EXPORT LAWS
The United States controls the export of products and information. You expressly agree to comply with such restrictions
and not to export or re-export any of the Content to countries or persons prohibited under the export control laws. By
downloading the Content, you are expressly agreeing that you are not in a country where such export is prohibited or are
a person or entity for which such export is prohibited. You are solely responsible for compliance with the laws of your
specific jurisdiction regarding the import, export, or re-export of the Content.
GENERAL PROVISIONS
Failure by Frank P. Licato Insurance Agency to enforce any provision(s) of this Agreement shall not be as a waiver thereof. This Agreement and all
other aspects of your use of the Site shall be governed by and construed in accordance with the laws of the State of
New Jersey, without regard to its conflict of laws rules. All claims and disputes arising out of this Agreement or your
use of the Site, other than actions for specific performance or injunctive relief brought by Frank P. Licato Insurance Agency, shall be exclusively
brought in the federal, state, or local courts located in New Jersey, and, with regard to such claims and disputes, you
hereby irrevocably (i) submit to the exercise of personal jurisdiction over you by those courts and (ii) waive any
jurisdictional, venue, or inconvenient forum objections to such courts. Any cause of action you may have with respect to
the Content, Site or this Agreement must be commenced within one (1) year after the claim or cause of action arose, or be
barred. If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall be
enforced to the fullest extent possible, and the remaining provisions of the Agreement shall remain in full force and effect.
You many not assign this Agreement, by operation of law or otherwise, without Frank P. Licato Insurance Agency's prior written consent. Subject to that restriction,
this Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors
and assigns. Neither the course of conduct between parties nor trade practice shall act to modify any provision of the Agreement.
All rights not expressly granted herein are hereby reserved.
CONTACT US
If you have questions regarding the Agreement or the practices of Frank P. Licato Insurance Agency, please contact us by e-mail at
jeff@licatoagency.com or by
regular mail at Frank P. Licato Insurance Agency, 2325 Plainfield Avenue, South Plainfield, New Jersey 07080.
Copyright © 2013 - All rights reserved.
Any visitor to Frank P. Licato Insurance Agency Web
pages may download, copy or transmit, any portion of the material in the web
pages of Frank P. Licato Insurance Agency, for informational and noncommercial personal purposes
only. Each copy of these materials must retain all copyright and other propriety
notices contained therein. The Frank P. Licato Insurance Agency name and logo are
registered trademarks. These trademarks may not be modified, and they may not be used,
downloaded, copied or distributed in any way except as an integral part of an authorized
download, copy or transmission of material in these Web pages. No other use, copying or
transmission of the trademarks or copyrighted material may be made without the express
prior written consent of Frank P. Licato Insurance Agency.
The information in the Web pages is intended for Frank P. Licato Insurance Agency visitors,
and is provided "AS IS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED,
INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANT ABILITY, FITNESS FOR PARTICULAR
PURPOSE OR NON-INFRINGEMENT OF THIRD PARTY RIGHTS. In no event shall Frank P. Licato Insurance Agency
be liable to any person for any special, indirect or consequential
damages relating to this material.
Frank P. Licato Insurance Agency appreciates and welcomes your ideas and suggestions. Any material
received by Frank P. Licato Insurance Agency, shall be considered non-confidential, and shall have
no obligation of any kind with respect thereto. Frank P. Licato Insurance Agency shall be free to modify, re-produce,
disclose and distribute any or all of the material to others without limitation, and use it for any purpose
whatsoever.
Frank P. Licato Insurance Agency reserves the right to make changes at any time, without notice,
and is not responsible for typographical errors.
Further information can be obtained from by emailing Frank P. Licato Insurance Agency at jeff@licatoagency.com.
