Laws and Regulations
Access to and use of this Site are
subject to all applicable federal, state and local laws and
Access to Password Protected or Secure
Access to and use of password protected
or secure areas of this Site are restricted to authorized persons
only. Any User who accesses or attempts to access such areas
without authorization may be subject to prosecution.
Informational Purposes Only
The product material described on
this Site is provided for informational purposes only. This
material is intended solely to provide a general overview of
the types of products and range of services available from HCI
Products Not Available in All States
The products described on this Site
may not be available in all states or other jurisdictions.
Policy Restrictions, Limitations
The products referenced on this Site
have restrictions, limitations, and terms regarding coverage.
For complete details concerning coverage and product availability
in your state, call 713-626-2838.
Linked Internet Sites
HCI only partners with
carriers who guarantee the privacy
of site visitors using their (the
carriers) quote generating engines.
Use of Cookie Files
Some sites and pages
within our Sites use "cookies." A
cookie is a small file that is
stored on your hard drive and contains
no personally identifiable information
about you and your usage of our
sites. A cookie cannot read data
off your hard drive or read cookie
files created from other sites.
You are free to decline our cookie
if your browser has been set to
prompt or decline cookies.
Limitation of Liability
disclaims any liability (whether based in contract, tort, strict
liability or otherwise) for any direct, indirect, incidental,
consequential, or special damage arising out of or in any way
connected with access to or use of this Site (even if HCI has been advised of the possibility of any
such damage), including any liability associated with any virus
that may infect a User's computer equipment. Under no circumstance
will HCI be liable for any loss or
damage caused by a User's reliance on information obtained through
this Site. It is the responsibility of each User to evaluate
the accuracy, completeness or usefulness of any information,
opinion, advice or other content available through this Site.
Changes to Rules and Regulations
the right to revise these Terms and Conditions at any time and
Users are deemed to be apprised of and bound by any changes
to these Terms and Conditions.
Mandatory, Binding Arbitration
You agree that any claim or dispute
between you and HCI or any officer,
director or employee of HCI related
to your use of this Site or any information herein, including
the validity of this provision regarding Mandatory, Binding
Arbitration, regardless of the amount or value of such claim
or dispute, will be resolved by mandatory, binding arbitration
by the National Arbitration Forum in accordance
with its Code of Procedure then in effect, except that any arbitration
will be conducted in, and any hearing will be held in, San Diego,
California. Information may be obtained and claims may be filed
at any office of the National Arbitration Forum (www.arb-forum.com)
or at P.O. Box 50191, Minneapolis, MN 55405. This provision
regarding Mandatory, Binding Arbitration will be governed by
the Federal Arbitration Act.
If users have any questions or suggestions
regarding our terms and conditions,
please contact HCI at:
5920 Star Lane
Houston, Texas 77057
Toll Free 888-626-6858
Toll Free Fax 888-626-1817