WIA Marketing Program Terms and Conditions

1. Terms and Conditions

The WIA Marketing Program (“Program”) offered by Wentroble Insurance Agency, LLC (“WIA”) has been created to reward you, a prospective Customer, (“you,” “Prospect,” “Participant”) for giving the WIA the opportunity to provide a competitive quote for insurance through our carrier markets. The following WIA Marketing Program Terms and Conditions (“Program Terms and Conditions”) contain important information about our program, so please read them carefully. These Program Terms and Conditions are a binding agreement between you and WIA and will govern your participation in any and all Program offers. You are not authorized to participate in the Program if you do not agree to these Program Terms and Conditions in their entirety. WIA reserves the right to modify these Program Terms and Conditions at any time, at its sole discretion, and without notice to you. Participation in the Program is considered acceptance of Program Terms and Conditions and any modifications which might be made. WIA may also, in its sole discretion, change, cancel, suspend, or modify any aspect of the Program without notice. WIA also reserves the right to disqualify any prospective customers at any time from participation in the Program for any reason.

2. How the Program Works

Qualified Quote. A Qualified Quote occurs when:

i. The Prospect, who is not a current client of WIA, contacts us for a quote for insurance. The Prospect must directly mention this marketing program to any member of the WIA staff.

ii. The Prospect then provides a current copy of their full declarations pages for all lines of coverage showing all coverage limits and all premiums owed.

iii. When the Prospects current total annual rates for all lines of coverage (with a carrier not represented by the WIA) is $0.01 USD or less than our last presented quote for insurance, the Prospect will be granted the following:

one-time, nominal fee in the form of $50.00 gift card of WIA’s choice.

iv. When the Prospect current rate is $0.01 USD or more than our last presented quote for insurance, the Prospect will not be granted anything. Issuance of a qualified reward is not contingent upon the purchase of insurance by the Prospect

Rules and Eligibility. To be eligible for participation in the Program, the Prospect must not be a current Customer of WIA at the time of the quote request. The Prospect must be at least 18 years of age. Prospect cannot be utilizing any form of claim forgiveness on their current coverages. Effective dates of provided quotes do not have to match effective dates of Prospects current declarations pages. The Prospect must not be insured through any carrier listed or affiliated with a carrier listed on the Wentroble Insurance Agency website (https://www.wentroble.com/our-carriers/) or with GEICO, USAA, Amica, or an affiliate/subsidiary of them. A Prospect showing a multi-policy discount on their current policy must provide the information necessary to qualify for a multi-policy discount on the requested quote from WIA. WIA reserves the right to find ineligible any Prospect at its sole discretion and without right to appeal. Prospects are eligible for this program one time total and will not be eligible for additional fees after a gift card has been offered either verbally or in writing by any member of the WIA staff. The Prospect must provide all information requested by the WIA, including personal identification information for all applicable (as determined by WIA) insureds and/or drivers. No party besides Pennsylvania licensed WIA staff are permitted to discuss specific terms or conditions of a contract for insurance. Issuance of a qualified reward is not contingent upon the purchase of insurance by the Prospect. Prospect must comply with all underwriting guidelines including, but not limited to, those listed below:

Automobile

Operator History
Ineligible: Operators who:

Do not provide complete information to rate and underwrite the account.
Are currently excluded on any auto policy.
Present an increased hazard such as, but not limited to, operating illegal enterprises, excessive use of alcohol, driving under the influence of drugs, cause intentional damage to persons or property, use an auto to commit homicide or assault, commit a misdemeanor, felony, and/or fraud ect..
Have not had continuous residence in the United States or Canada for three years.
Have lived in-state for more than year while retaining a license from another state.
Currently have a driver’s license that is suspended, expired, revoked, cancelled, or recalled.
Has been arrested for any reason in the past 10 years.

Ineligible: Operators who in the last 3 years:

Are required to file Financial Responsibility Certificates.
Have driven with an operator’s license that is suspended, revoked, expired, or recalled.
Have driven while under the influence of alcohol.
Refused to take a sobriety test, blood, or chemical test or engaged in underage drinking.
Participated in an illegal race or speed contest.
Turned off vehicle lights to avoid identification or attempted to elude a police office.
Failed to stop at the scene and report an accident.
Participated in PBJ, ARD, or similar deferred prosecution program for one or more of the offenses listed above.

At Fault Accidents
Ineligible: Operators who have in the last 3 years:

An at fault surchargeable accident in the last 3 years.
A fall asleep/black out accident or alcohol related accident.
More than one at-fault accident, regardless of cost.
An at-fault accident and an unrelated moving violation.

Violations/Suspensions
Ineligible: Operators who have in the last 3 years

More than 1 minor moving code violation
A speeding violation 85 mph or more
A speeding violation 20 mph or more over the speed limit
Had a license suspension, revocation, or cancellation as the result of a vehicle code violation in the last 3 years.

Vehicles
Ineligible Vehicles:
Used in competitions such as racing, mud bogging ect..
Altered mechanically or in appearance, from original manufacturer specifications. Significantly
altering performance capabilities and/or appearances. This includes unconverted gray market cars
which do not meet US standards for safety or emissions, street rods, ect…
Not roadworthy, in process of being rebuilt or have existing damage.
Driven over 25,000 miles annually.
Sports, hot, high performance or a restricted utility vehicle.

Home

Loss History

No more than 2 losses in the past 5 years.
Risk Specific Claims for Prior Owner– No losses of a repetitive nature that indicate physical
characteristics/conditions are present such that future claims are likely to occur. Ineligible if there is a high frequency of losses

Ineligible Risks: Dwellings/Risks which have or are:

Dwelling coverage A on current policy is insured for less than 85% of replacement cost as determined by WIA’s third party replacement cost estimator.
Vacant, unoccupied or held in estate.
Used for student housing or operating as an assisted living, nursing, healthcare or similar housing facility.
Time share properties, seasonal rentals.
In foreclosure or bankruptcy.
Illegal trade, business, or activity being conducted.
In which the applicant or policyholder has been convicted of a crime that would tend to increase the risk insured.
Manufactured/mobile homes.
Not accessible year-round or are not located on all-weather accessible roads.
Undergoing extensive remodeling or renovations.
Not accessible due to geographic terrain (i.e. island/mountaintop).
Constructed with extensive use of craftsmanship, or building materials that are obsolete or irreplaceable.
Not professionally constructed or built for current use.
Dwellings without an enclosed masonry foundation (including secondary locations) Hazardous exposures such as piles of refuse, inoperative autos, discarded appliances, skateboard ramps, ATV trails and similar hazards.
Dwelling is used as a secondary residence and has incidental rental exposure.
Dwelling value is over $1 million.
Dwelling is listed on a Historical Register.
In the name of an LLC or other business entity.
No risks in which the insured or any occupant of the residences owns or keeps on the premises any dog which has a previous bite history or displays vicious or dangerous tendencies.
Risks with any dog that is predominantly any of these breeds – Akita, American Staffordshire Terrier (Pit Bull), Chow, Presa Canario, Rottweiler, Shar-pei, or Wolf Hybrid.
Roof age is 25 years or older, unless made of superior quality or construction materials such as slate or standing seam metal.
Heating system is 30 years or older or has an auxiliary heating system for wood, wood pellet, coal ect.
Electric system is 25 years or older or not up to date with current electrical codes.
Dwellings with knob & tube wiring or aluminum wiring.
Plumbing is leaking or not properly maintained.

Conditions. Rewards may be taxable, depending on the value of the item and the federal, state, and local tax laws applicable to the Participant. Participants are solely responsible for reporting such items on their tax returns and paying any associated tax liability.

Conduct. Participants in the Program must comply with all up-to-date “SPAM” laws. Any action that could constitute unsolicited commercial email or “spam” under any applicable law or regulation is expressly prohibited and will be grounds for immediate disqualification from the program. WIA reserves the right, at its sole discretion, to prohibit any participant from participating in any aspect of the Program if WIA deems or suspects that such Member has engaged in or has attempted to engage in any of the following: a) acting in violation of these Program Terms and Conditions; b) damaging, tampering with or corrupting the operation of the Program or Site; c) acting with intent to annoy, harass, or abuse any other person; d) any inappropriate, uncooperative, disruptive, fraudulent, potentially fraudulent, or unusual behavior or activity; or e) activity deemed in the sole discretion of WIA to be generally inconsistent with the intended operation of the Program. WIA shall be the sole determiner in cases of suspected abuse, fraud, or breach of these Program Terms and Conditions or intent of these Program Terms and Conditions.

3. Liability

Binding Effects. By participating in the Program, you agree to and are bound by the Program Terms and Conditions. If you do not wish to agree to and abide by the Program Terms and Conditions in their entirety, you are not authorized to participate in the Program.

Termination. WIA may, in its sole and absolute discretion, cancel, change, suspend, or modify any aspect of the Program or Program Terms and Conditions at any time, without notice. WIA may, in its sole and absolute discretion, terminate or suspend any Prospects participation in the Program for breach of these Program Terms and Conditions or taking any actions that are inconsistent with the intent of these Program Terms and Conditions.

Release. By participating in the Program, Participants release WIA, its parent company, subsidiaries, affiliates, suppliers, advertising, and promotions agencies and their respective directors, officers, employees, and agents from any and all liability for any loss, harm, damages, cost, or expense, including, without limitation, property damages, personal injury and/or death, arising out of or in any way connected to the Program and/or the use of any Program rewards.

Indemnification. Participants agree to indemnify, defend, and hold WIA and its representatives and agents harmless from and against any and all third party claims, demands, liabilities, costs, or expenses, including attorney’s fees and costs, arising from, or related to any breach by the participant of any of these Program Terms and Conditions or any violation by Participant of applicable law.

4. Disclaimer

Force Majeure. WIA shall not be liable to any Participant for failure to supply any reward or any part thereof, by reason of any acts of God, any action(s)m regulation(s), order(s), or request(s) by any governmental or quasi-governmental entity (whether or not the action(s), regulation(s), order(s), or request(s) prove(s) to be invalid), equipment failure, threatened terrorist attacks, terrorist acts, air raid, blackout, earthquake, tornado, war, unusually severe weather, explosion, labor or material shortage, transportation interruption of any kind, work slow-down, civil disturbance, or any other similar or dissimilar cause beyond any of the Released Parties’ control.

Reserved Right. WIA reserves the right to cancel or suspend the Program should it determine, in its sole discretion, that the administration, security, or fairness of the Program has been compromised in any way. Disclaimer of Warranties: MEMBERS AND PROSPECTIVE MEMBERS EXPRESSLY UNDERSTAND AND AGREE THAT: (A) YOUR USE OF THE PROGRAM IS AT YOUR SOLE RISK, THE PROGRAM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS AND THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, CONDITIONS AND TERMS (COLLECTIVELY, “PROMISES”) OF ANY KIND, WHETHER EXPRESS OR IMPLIED BY STATUTE, COMMON LAW OR CUSTOM, INCLUDING, BUT NOT LIMITED TO, PROMISES AS TO PRODUCTS OR SERVICES OFFERED THROUGH THE USE OF THE PROGRAM, IMPLIED PROMISES OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT; (B) INSPIRE MAKES AND GIVES NO PROMISE THAT (i) THE PROGRAM WILL MEET YOUR REQUIREMENTS, (ii) BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS OBTAINED FROM THE USE OF THE PROGRAM WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU THROUGH THE PROGRAM WILL MEET YOUR EXPECTATIONS, AND (v) ANY ERRORS IN THE SERVICE WILL BE CORRECTED; AND (C) ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE PROGRAM IS ACCESSED AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR USE OF ANY SUCH MATERIAL.

5. Other Terms

General Terms. These Program Terms and Conditions constitute the entire agreement between Participants and WIA concerning Participants’ use of the Program. The failure of WIA to exercise or enforce any right or provision of these Program Terms and Conditions shall not constitute a waiver of such right or provision. If any provision of these Program Terms and Conditions is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these Program Terms and Conditions remain in full force and effect. The section titles in these Program Terms and Conditions are for convenience only and have no legal or contractual effect. A person who is not a party to these Program Terms and Conditions shall have no right to enforce or receive the benefit of any of these Program Terms and Conditions.

WIA Marketing Program Terms and Conditions | Wentroble