Terms of Use

Terms of Use/Privacy Policy

Next Wave Insurance Services, and its subsidiaries recognize the privacy concerns of customers and potential customers visiting our various web sites. We want to inform you about the information we collect through our web sites and how such information is utilized. We intend to use information collected only in the normal course of our business and as permitted by law. No personal information is required to be collected when you visit our web sites, but we need to receive the requested information in order to provide the products or services described.

We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms.
Information about your transactions with us, our affiliates or others.
Information we receive from a consumer reporting agency. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
We may disclose nonpublic personal information about you to third party financial service providers, such as insurance agents and/or brokers.

We may also disclose nonpublic personal information about you to non-affiliated third parties as permitted by law.

We may also disclose nonpublic personal information about you to third party non-financial companies, such as direct marketers, for the purpose of marketing our own products and services to you.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with applicable standards to guard your nonpublic personal information.

For further information, please contact Next Wave Insurance Services.

Conditions for Use of This Site

By using this web site, you signify your agreement to the terms and conditions contained in these legal notices. Please read these terms carefully. We reserve the right to add, delete or otherwise modify portions of these terms at any time. User access to and use of this web site is subject to all applicable federal, state and local laws and regulations. California law and Federal law will govern the interpretation and enforcement of these terms and conditions.

Disclaimer

This web site has been prepared solely for the purpose of providing information, products and services for Next Wave Insurance Services. This website has been compiled in good faith. However, no representation is made as to the completeness or accuracy of the information it contains. In particular, you should be aware that this information may be incomplete, may contain errors or may have become out of date.

Next Wave makes no commitment, and disclaims any duty, to update any of these sites. THIS WEB SITE AND THE INFORMATION CONTAINED HEREIN (INCLUDING ANY REFERENCES TO PRODUCTS OR SERVICES) ARE PROVIDED “AS IS” WITHOUT ANY WARRANTY OR IMPLIED TERM OF ANY KIND. ATHOS AND ITS SUBSIDIARIES SHALL NOT BE SUBJECT TO LIABILITY FOR ANY DAMAGES OF ANY KIND, WHETHER DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR OTHERWISE, WHETHER OR NOT ADVISED OF THE POSSIBILITY THEREOF, UNDER ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE PROVISION OF INFORMATION ON THIS WEB SITE.

Copyright Notice: Copyright 2014 Next Wave Insurance Services, All rights reserved. No materials from this web site may be copied, reproduced, republished, posted, or distributed in any way, except as expressly permitted herein or with the prior consent of Next Wave Insurance Services.

Links to Other Materials

Links made available through this web site will allow you to leave the youthtournamentprotector.com web site. Sites and the material that you can access there are not under the control of Next Wave Insurance Services; Next Wave Insurance Services makes no representations and disclaims all liability with respect thereto. The links are provided only for your convenience, and their inclusion does not constitute nor imply approval or endorsement by Next Wave Insurance Services of the sites or their content.