Terms of Service

Last Updated: February 13, 2026

1. Acceptance of Terms

Welcome to Nester Insurance. By accessing or using our website, services, or applications (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.

These Terms constitute a legally binding agreement between you and Nester Insurance, an independent insurance and financial services company located at 313 West Ridge Pike, 2nd Floor, Limerick, PA 19468.

2. Description of Services

Nester Insurance provides:

  • Insurance Services: Employee benefits, HR compliance, executive benefits, and life insurance appraisal services
  • Life Insurance Quotes: Multi-step quote request system for life insurance products
  • Secure File Transfer: Encrypted file upload service using Microsoft SharePoint
  • Contact Forms: Communication channels for inquiries, support, and consultation requests
  • Account Services: User authentication and account management

3. Account Registration

3.1 Account Creation

To access certain features, you may need to create an account. You may register using:

  • Email and password
  • Google OAuth authentication
  • Microsoft OAuth authentication

3.2 Account Responsibilities

You agree to:

  • Provide accurate, current, and complete information
  • Maintain the security of your password and account
  • Notify us immediately of any unauthorized access
  • Accept responsibility for all activities under your account

3.3 Email Verification

You must verify your email address before submitting certain requests (e.g., life insurance quotes). OAuth users (Google/Microsoft) are automatically verified.

4. Use of Services

4.1 Permitted Use

You may use our Services for:

  • Requesting insurance quotes and information
  • Securely transferring documents related to insurance services
  • Communicating with our team
  • Managing your account and quote requests

4.2 Prohibited Use

You agree NOT to:

  • Upload malicious files, viruses, or malware
  • Attempt to gain unauthorized access to our systems
  • Use automated tools to access the Services
  • Share your account credentials with others
  • Submit false or fraudulent information
  • Use the Services for any illegal purposes

5. Secure File Transfer

When using our Secure File Transfer service:

  • Storage: Files are uploaded to Microsoft SharePoint Online
  • Organization: Files are organized by group name (if provided)
  • Access: Only authorized Nester Insurance staff can access uploaded files
  • Retention: We retain files as necessary for business and legal purposes
  • Your Responsibility: Ensure files do not contain viruses or prohibited content

6. Insurance Services Disclaimer

Please note:

  • Quote requests are for informational purposes only
  • Final insurance terms are subject to underwriting approval
  • We work with multiple insurance carriers
  • Actual coverage and rates may differ from quoted amounts
  • Insurance products are subject to state regulations and availability

6A. Health Information and HIPAA Compliance

6A.1 Health Information Collection

When you request a life insurance quote, we collect health information including:

  • Medical history and current health conditions
  • Medications and treatments
  • Height, weight, and biometric data
  • Smoking status and lifestyle habits
  • Family medical history

6A.2 Use of Health Information

Your health information will be used to:

  • Process your life insurance quote request
  • Submit applications to insurance carriers
  • Underwriting and risk assessment
  • Comply with insurance regulations

6A.3 HIPAA Safeguards

We implement safeguards consistent with HIPAA requirements:

  • Encryption: All health information encrypted in transit and at rest
  • Access Controls: Limited access to authorized personnel only
  • Audit Trails: All access to health information is logged
  • Training: Staff trained on HIPAA privacy and security
  • Business Associate Agreements: Required for all service providers

6A.4 Authorization and Consent

By submitting a life insurance quote, you authorize:

  • Collection of your health information
  • Disclosure to insurance carriers for underwriting
  • Disclosure to reinsurers as needed
  • Disclosure as required by law

6A.5 Your Rights

You have the right to:

  • Access your health information
  • Request amendments to inaccurate information
  • Request an accounting of disclosures
  • File a complaint with HHS Office for Civil Rights

6A.6 Breach Notification

If a breach of your protected health information occurs, we will notify you within 60 days as required by HIPAA.

7. Intellectual Property

All content on our Services, including text, graphics, logos, images, and software, is the property of Nester Insurance or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works without our express written permission.

8. Third-Party Services

Our Services integrate with third-party providers:

  • Microsoft SharePoint: File storage and management
  • Microsoft Graph API: Email notifications
  • Google OAuth: Authentication services
  • Microsoft OAuth: Authentication services
  • Azure SQL Database: Data storage

Your use of third-party services is subject to their respective terms and policies.

9. Privacy and Data Protection

Your use of our Services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

By using our Services, you consent to our data practices as described in the Privacy Policy.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

  • Nester Insurance provides the Services "AS IS" without warranties of any kind
  • We are not liable for any indirect, incidental, or consequential damages
  • Our total liability shall not exceed the fees paid by you (if any)
  • We are not responsible for third-party service failures or data breaches

11. Termination

We reserve the right to suspend or terminate your account and access to the Services at any time, with or without cause, including:

  • Violation of these Terms
  • Fraudulent or illegal activity
  • Extended period of inactivity
  • At your request

Upon termination, your right to use the Services will immediately cease. We may retain your data as required by law or for legitimate business purposes.

12. Changes to Terms

We may update these Terms from time to time. Changes will be effective immediately upon posting to this page. Your continued use of the Services after changes constitutes acceptance of the updated Terms.

We encourage you to review these Terms periodically.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law provisions.

Any disputes arising from these Terms or your use of the Services shall be resolved in the courts of Montgomery County, Pennsylvania.

13A. State-Specific Requirements and Licensing

13A.1 States of Operation

Nester Insurance operates and is licensed to provide insurance services in:

  • Pennsylvania - Primary jurisdiction and principal place of business
  • New York
  • New Jersey
  • Delaware
  • Florida

13A.2 State-Specific Regulations

New York

  • Licensed under NY Department of Financial Services
  • Subject to NY Insurance Law and regulations
  • Cybersecurity requirements under 23 NYCRR 500
  • Enhanced data security and breach notification (72 hours)

Pennsylvania

  • Licensed under PA Department of Insurance
  • Principal office: 313 West Ridge Pike, Limerick, PA 19468
  • Subject to Pennsylvania Insurance Code
  • Dispute resolution available through PA Insurance Department

New Jersey

  • Licensed under NJ Department of Banking and Insurance
  • Subject to NJ Insurance Code
  • Strict information privacy requirements under NJ Insurance Information Act
  • Consumer protections under NJ Consumer Fraud Act

Delaware

  • Licensed under DE Department of Insurance
  • Subject to Delaware Insurance Code
  • Data breach notification requirements

Florida

  • Licensed under FL Department of Financial Services
  • Subject to Florida Insurance Code Chapter 626
  • 30-day breach notification requirement
  • Consumer protections under FL Statutes

13A.3 State-Specific Consumer Rights

Depending on your state of residence, you may have additional rights:

  • Right to File Complaints: Contact your state insurance department
  • Right to Appeal: Appeal insurance decisions through state processes
  • Right to Privacy: Enhanced privacy rights under state laws
  • Right to Information: Access insurance records and policy documents

13A.4 State Insurance Departments

Contact information for state insurance regulators:

13A.5 Multi-State Compliance

We comply with the requirements of all states in which we operate, including:

  • Maintaining proper licenses and registrations
  • Following state-specific insurance regulations
  • Adhering to state privacy and data security laws
  • Meeting state breach notification timelines
  • Providing state-required disclosures

14. Contact Information

If you have questions about these Terms, please contact us:

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