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Privacy Policy

Privacy Policy

Last Updated: May 31, 2025

1. Introduction

Welcome to PCII (Property and Casualty Insurance Inspection) ("we," "our," or "us"). We are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website hosted on the Wix.com platform, use our services, or engage with us.

By accessing or using our services, you signify that you have read, understood, and agree to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access the site.

2. Information We Collect

We may collect personal information about you in various ways. The information we may collect on the Site includes:

  • A. Information You Voluntarily Provide:

    • Contact Information: Name, email address, mailing address, phone number, and any other contact details you provide when you schedule an inspection, consultation, fill out a form, or communicate with us.

    • Property Information: Details about the property you wish to have inspected (e.g., address, size, age, specific concerns) relevant to our property insurance inspection services.

    • Payment Information: If you make a payment through our website (e.g., for a $50 consultation or $500 inspection), payment card details or other financial information are collected by our third-party payment processors (e.g., Wix Payments, PayPal, Stripe). We do not directly store your full payment card details.

    • Consultation Details: Information shared during your $50 Zoom consultation, which helps us understand your property's Four-Point systems.

    • Communications: Any information you provide when you contact us with inquiries, feedback, or support requests.

  • B. Information Collected Automatically (via Wix and other technologies): When you visit our website, certain information may be collected automatically by Wix.com and third-party services integrated with Wix. This includes:

    • Usage Data: Information about how you access and use the site, such as your IP address, browser type, device type, operating system, referring URLs, pages viewed, time spent on pages, and dates/times of access.

    • Cookies and Tracking Technologies: We (and our third-party service providers like Wix) use cookies, web beacons, and similar technologies to track activity on our service and hold certain information. These are used for website functionality, analytics, remembering your preferences, and potentially for advertising purposes. You can learn more about managing cookies in Section 7.

  • C. Information from Other Sources: We may receive information about you from other sources, such as our business partners, analytics providers, or publicly available databases, consistent with this Privacy Policy.

3. How We Use Your Information

We use the information we collect for various business purposes, including:

  • To Provide Our Services:

    • To schedule and conduct your property insurance inspections and $50 Zoom consultations.

    • To process your payments for services rendered.

    • To generate and deliver inspection reports.

    • To communicate with you regarding your service requests, appointments, and inquiries.

  • For Communication and Support:

    • To respond to your questions, comments, and requests.

    • To send you administrative information, such as service confirmations, technical notices, and security alerts.

  • For Website Improvement and Analytics:

    • To monitor and analyze trends, usage, and activities in connection with our website.

    • To improve our website's functionality, content, and user experience.

    • To understand how our website is used and to measure the effectiveness of our services.

  • For Legal and Security Reasons:

    • To protect against, identify, and prevent fraud and other prohibited or illegal activities.

    • To comply with applicable laws, regulations, and legal processes.

    • To enforce our terms and conditions.

4. How We Share Your Information

We may share your information in the following situations:

  • A. With Service Providers: We may share your information with third-party vendors, service providers, contractors, or agents who perform services for us or on our behalf. This includes Wix.com (as our website host and provider of certain integrated tools), payment processors, scheduling software providers, and analytics providers. These third parties are obligated to protect your information and use it only for the purposes for which it was disclosed.

  • B. For Legal Reasons: We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court order or a government agency).

  • C. Business Transfers: In connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

  • D. With Your Consent: We may disclose your personal information for any other purpose with your consent.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law (e.g., for legal, tax, or accounting purposes). When we no longer have an ongoing legitimate business need to process your personal information, we will either delete or anonymize it, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

6. Your Privacy Rights

Depending on your location and applicable privacy laws, you may have certain rights regarding your personal information, including:

  • Right to Access: You may request access to the personal information we hold about you.

  • Right to Rectification: You may request that we correct any inaccurate or incomplete personal information.

  • Right to Erasure ("Right to Be Forgotten"): You may request that we delete your personal information, under certain circumstances.

  • Right to Object to Processing: You may object to the processing of your personal information, under certain circumstances.

  • Right to Data Portability: You may request to receive your personal information in a structured, commonly used, and machine-readable format.

  • Right to Withdraw Consent: If we are relying on your consent to process your personal information, you have the right to withdraw that consent at any time.

To exercise any of these rights, please contact us using the contact information provided in Section 12 below. We will respond to your request in accordance with applicable law.

7. Cookies and Other Tracking Technologies

Our website, built on Wix.com, uses cookies and similar tracking technologies (like web beacons and pixels) to collect and use information about you.

  • What are Cookies? Cookies are small data files placed on your device or computer when you visit a website. They are widely used to make websites work or work more efficiently, as well as to provide reporting information.

  • How We Use Them: We use cookies to understand how our site is used, personalize your experience, remember your preferences, and manage our site's operations. Some cookies are essential for the website to function, while others help us with analytics or marketing.

  • Your Choices: Most web browsers are set to accept cookies by default. You can usually choose to set your browser to remove or reject cookies. Please be aware that removing or rejecting cookies could affect the availability and functionality of our website. For more information on how Wix uses cookies, please refer to Wix's own privacy policies and cookie information.

8. Third-Party Websites

Our website may contain links to third-party websites that are not operated by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We encourage you to review the privacy policies of every site you visit.

9. Children's Privacy

Our services are not intended for children under the age of 13. We do not knowingly collect personally identifiable information from children under 13. If you become aware that a child has provided us with personal information, please contact us. If we become aware that we have collected personal information from a child under 13 without verification of parental consent, we take steps to remove that information from our servers.

10. Security of Your Information

We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.

11. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

PCII (Property and Casualty Insurance Inspection)

Email Address: insurance.risk.pcii@gmail.com

Phone Number: (866) 777-1877

Terms of Use

Terms of Service

Effective Date: May 31, 2025

Welcome to PCII (Property & Casualty Insurance Inspection), accessible at pcii.company (the "Website"). These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and PCII (Property & Casualty Insurance Inspection), a [Your Company Type, e.g., sole proprietorship, LLC, corporation] located at [Your Company Address - Optional, but good for transparency] ("PCII," "we," "us," or "our").

By accessing or using our Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our Website.

1. Acceptance of Terms

By accessing or using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy, which is incorporated herein by reference. These Terms apply to all visitors, users, and others who access or use the Website.

2. Services Provided

PCII provides property and casualty insurance inspection services. The Website serves as a platform to [briefly describe the website's primary function, e.g., showcase our services, allow clients to request services, provide information about our offerings].

3. User Obligations

You agree to use the Website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Website. Prohibited behavior includes harassing or causing distress or inconvenience to any other user, transmitting obscene or offensive content, or disrupting the normal flow of dialogue within the Website.

You agree not to:

  • Use the Website in any manner that could disable, overburden, damage, or impair the Website or interfere with any other party's use of the Website.

  • Use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.

  • Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.

  • Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website.

  • Otherwise attempt to interfere with the proper working of the Website.

4. Intellectual Property Rights

The content, features, and functionality of the Website, including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof, are owned by PCII, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

These Terms permit you to use the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as generally permitted for normal web Browse.

The PCII name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of PCII or its affiliates or licensors. You must not use such marks without the prior written permission of PCII.

5. Disclaimer of Warranties

The Website and its content are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied. PCII does not make any warranty or representation with respect to the completeness, security, reliability, quality, accuracy, or availability of the Website.

Without limiting the foregoing, PCII does not warrant that the Website, its content, or any services obtained through the Website will be accurate, reliable, error-free, or uninterrupted, that defects will be corrected, that our Website or the server that makes it available are free of viruses or other harmful components, or that the Website or any services obtained through the Website will otherwise meet your needs or expectations.

6. Limitation of Liability

In no event will PCII, its affiliates, or their licensors, service providers, employees, agents, officers, or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the Website, any websites linked to it, any content on the Website or such other websites, including any direct, indirect, special, incidental, consequential, or punitive damages, including but not limited to, personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable.

7. Indemnification

You agree to defend, indemnify, and hold harmless PCII, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Service or your use of the Website, including, but not limited to, your User Contributions, any use of the Website's content, services, and products other than as expressly authorized in these Terms of Service, or your use of any information obtained from the Website.

8. Governing Law and Jurisdiction

All matters relating to the Website and these Terms, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of [Your State, e.g., California] without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of [Your State, e.g., California], in each case located in [Your County, e.g., Los Angeles County], although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

9. Changes to the Terms of Service

We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.

10. Entire Agreement

These Terms of Service and our Privacy Policy constitute the sole and entire agreement between you and PCII regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.

11. Contact Information

To ask questions or comment about these Terms of Service, contact us at:

PCII (Property & Casualty Insurance Inspection) [Your Business Email Address] [Your Business Phone Number - Optional] [Your Business Mailing Address - Optional] Website: pcii.company

Important Considerations for PCII (Property & Casualty Insurance Inspection):

  • Privacy Policy: You absolutely must have a separate Privacy Policy. Terms of Service and Privacy Policies serve different purposes. The Privacy Policy details how you collect, use, store, and protect user data (which is often legally required, especially if you collect any personal information).

  • Specific Services: If your website allows users to request or pay for services directly, you'll need additional clauses covering:

    • Payment terms, fees, and billing.

    • Cancellation and refund policies.

    • Scope of services and limitations.

    • Client responsibilities related to inspections.

  • User Accounts: If users can create accounts, you'll need clauses regarding:

    • Account creation and security.

    • Usernames and passwords.

    • Termination of accounts.

    • User-generated content (if applicable).

  • Third-Party Links/Services: If you link to external websites or use third-party services (like scheduling tools, payment processors, or mapping services), you should include a disclaimer that you are not responsible for their content or practices.

  • Dispute Resolution: While a general clause is included, you might consider more specific dispute resolution mechanisms, such as mediation or arbitration, depending on the nature of your business and potential client disputes.

  • Disclaimers for Inspection Reports: If the website provides access to inspection reports or related data, you might need a specific disclaimer regarding the accuracy, completeness, and reliance on such information, clarifying that it's for informational purposes and not a substitute for professional advice or further investigation.

  • Jurisdiction: Ensure the specified governing law and jurisdiction are appropriate for your business location and target audience

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