Website Terms and Conditions
Website Content
Please read these Terms of Use carefully before accessing or using this website. By accessing the website, you agree to be bound by the terms and conditions contained herein. If you do not want to be bound by these terms and conditions, you should not access or use the website. These terms may at any time revise these terms and conditions without notice. Accordingly, you agree to review these Terms of Use periodically, and your continued access or use of this site shall be deemed your acceptance of any modified Terms of Use. We reserve the right at any and all times and in its sole discretion to change the contents of this website and the products and services referenced hereon offered by its affiliates. Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC reserves all other rights.
Product Availability
The product and/or service descriptions, if any, provided on the Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC website are not intended to constitute an offer to sell or a solicitation to buy any product or service. Not all products and services are available in all states, and all products are subject to applicable regulation. Anyone interested in a particular product should contact an Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC agent to ascertain whether the product and/or service is available in their jurisdiction and to request more information about the product and/or service. Please note that in many instances products and services may be offered only through employers or other plan sponsors.
Links to Other Websites
Links to third party websites are offered as a matter of convenience and in no way are meant to imply that Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC endorses, controls, approves, sponsors, promotes or is affiliated with the owners of, or participants in, those sites or any material contained therein. Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC is under no obligation to maintain any link on this website and may remove any such link at any time in its sole discretion for any reason whatsoever.
Ownership of Materials and Restrictions on Use
While Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC provides the information on this website to anyone, Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC retains copyright on all text and graphic images. No permission is granted to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, products or services found on this website.
Privacy
Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC cannot guarantee the confidentiality of information exchanged over the Internet. Please note that personal information, such as your Social Security number, telephone number, address or information contained in your message may be accessible to other users of the Internet. To protect your privacy, please do not communicate information you want to keep confidential through e-mail or the website. Personal information transmitted to us will be treated in accordance with our Privacy Policies.
When you connect with this website, Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC places a small text file, called a "cookie," on your hard drive, as a means of identifying you to our computers in the future. Cookies are a standard type of data file used by website administrators to facilitate your ongoing access to and use of a particular website. Depending on the information you have previously provided to us, a cookie from American National might contain your name, email address, postal address and/or telephone number. It will not include your password or credit card number. If you do not wish to receive this or other cookies when you are online, or wish to condition your receipt of such files, there is a simple procedure in most browser software that will allow you to block or condition their receipt. Cookies may be necessary, however, to provide you with certain features, such as merchandise transactions or registered services.
Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC also allows third party companies to use cookies to collect certain anonymous, non-personally identifiable information when you visit our website. We use “Google Analytics” to collect information about use of our website. For more information about how Google uses the information, please visit https://policies.google.com/technologies/partner-sites. If you do not wish for “Google Analytics” to receive information concerning your visit to our website, you may opt out of the service by using the Google Analytics Opt-out Brower Add-on, which may be found at https://tools.google.com/dlpage/gaoptout.
Limitation of Liability
Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC maintains this website as a service to the Internet community. The information on this website is subject to change without notice, and American National assumes no commitment to update any information on this website. You use the website at your own risk. ALL INFORMATION AND CONTENT AVAILABLE ON, OR ACCESSIBLE FROM, THE Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC WEBSITE ARE PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. IN NO EVENT SHALL Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER DAMAGES OF ANY KIND WHICH MAY ARISE OUT OF ANY PERSON’S ACCESS OR INABILITY TO ACCESS THIS WEBSITE OR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC does not guarantee or warrant that functions will be uninterrupted or error-free, that any information, software or other material available on or accessible through the website are free of viruses, worms, Trojan Horses, or other code that has contaminating or destructive properties. If your use of this website or the materials therein results in the need for servicing or replacing property, equipment, or data, Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC is not responsible for those costs. Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC assumes no responsibility for any consequence relating directly or indirectly to any action or inaction that you or anyone else takes based on the information, services, or other material from this site.
Forward-Looking Statements
This website may contain forward-looking statements and cautionary statements. Forward-looking statements generally are indicated by words such as “expects,” “intends,” “anticipates,” “plans,” “believes,” “estimates,” “will” or words of similar meaning, and include, without limitation, statements regarding the outlook of our business and expected financial performance. These forward-looking statements are subject to changes and uncertainties which are, in many instances, beyond our control and have been made based upon our assumptions, expectations and beliefs concerning future developments and their potential effect upon us. There can be no assurance that future developments will be in accordance with our expectations, or that the effect of future developments on us will be as anticipated, particularly given the uncertainty relating to the COVID-19 pandemic. We do not make public specific projections relating to future earnings, and we do not endorse any projections regarding future performance made by others. Additionally, we do not publicly update or revise forward-looking statements based on the outcome of various foreseeable or unforeseeable events.
Forward-looking statements are not guarantees of future performance or outcomes and involve various risks and uncertainties. There are certain important factors that could cause actual performance and outcomes to differ, possibly materially, from expectations or estimates reflected in such forward-looking statements. These factors include, among others: (1) potential for difficult conditions in the economy, which may not improve in the near future, and risks related to persistently low or unpredictable interest rates; (2) fluctuations in the markets for fixed maturity securities, equity securities, and commercial real estate, which could adversely affect the valuation of our investment portfolio, our net investment income, our retirement expense, and sales of or fees from certain of our products; (3) lack of liquidity for certain of our investments; (4) risk of investment losses and defaults; (5) the impact of major public health issues, like COVID-19; (6) differences between actual experience regarding mortality, morbidity, persistency, expense, surrenders and investment returns, and our assumptions for product pricing, establishing liabilities and reserves or for other purposes; (7) changes in our experience related to deferred policy acquisition costs; (8) advances in medical technology and testing, which may increase our adverse selection risk; (9) potentially adverse rating agency actions; (10) potential inability of our insurance affiliates to pay dividends or reinsure business to our Bermuda reinsurer due to constraints imposed by insurance regulatory requirements; (11) failures or limitations of our computer, information security and administration systems; (12) failure to complete and implement technology initiatives in a timely manner; (13) natural or man-made catastrophes resulting in increased claims activity from catastrophic loss of life or property; (14) the effects of global climate change; (15) the highly competitive nature of the insurance and annuity business; (16) potential difficulty in attraction and retention of qualified employees and agents; (17) the introduction of alternative healthcare solutions or changes in federal healthcare policy, both of which could impact our supplemental healthcare business; (18) adverse determinations in litigation or regulatory proceedings which may result in significant financial losses and harm to our reputation; (19) significant changes in government regulation; (20) changes in tax law; (21) changes in statutory or U.S. Generally Accepted Accounting Principles (‘‘GAAP’’), practices or policies; (22) potential changes in the availability, affordability, adequacy and collectability of reinsurance protection; (23) potential default or failure to perform by the counterparties to our reinsurance arrangements and derivative instruments; (24) potential employee error or misconduct, which may result in fraud or adversely affect the execution and administration of our policies and claims; (25) potential ineffectiveness of our risk management policies and procedures; (26) the effects of unanticipated events on our disaster recovery and business continuity planning; and (27) potential ineffectiveness of our internal controls over financial reporting.
Text Message Terms & Conditions
These Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC Text Message Terms and Conditions constitute an agreement (“Agreement”) between Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC and its affiliates (each a “Company,” and collectively, “Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC”) and participants in the text message program (the “Program”). The words “you” and “your” refer to each person who enrolls in the Program, and each person who acts on behalf of or with the permission of the enrollee. Please read this Agreement carefully.
Program Description
By opting in to the Program, you expressly consent to receive text messages relating to your policy or claim from Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC at the mobile telephone number you provide in accordance with these terms and conditions, even if such number appears on a Do Not Call List. You acknowledge and agree that Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC may use an automatic telephone dialing system (“auto-dialer”) to deliver Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC text messages to you. You understand that text messages will not be sent in lieu of required written notices. Your participation in the Program is optional and NOT a condition of purchasing any product or service from Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC. You may opt-out of these text messages at any time.
Eligibility
To receive Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC text messages, you must be a resident of the United States, and you must be 18 years of age or older. You certify that you are a resident of the United States, and you are 18 years of age or older.
Message Frequency
The number of Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC text messages that you receive will vary depending on the nature of your policy or claim. Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC has the right to change the content of any text message and the frequency of delivery, without prior notice.
Cost
Message and data rates may apply to each text message sent or received in connection with the Program in addition to any applicable roaming charges (please contact your mobile telephone carrier for pricing plans). Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC does not impose a separate fee for text messages.
Supported Carriers
We can deliver messages to the following mobile telephone carriers: Major Carriers: AT&T, Verizon Wireless, Sprint, T-Mobile USA. Minor Carriers: Indigo Wireless, Aerialink, Alaska Communications Systems (ACS), Altice Mobile, ASTAC, Atlantic Tele-Network International (ATNI), bandwidth.com (includes Republic Wireless), Blue Wireless, Bluegrass Cellular, Boost Mobile, Brightlink, C Spire Wireless (aka Cellular South), Carolina West Wireless, Cellcom, Cellular One of N.E. Arizona, Chariton Valley Cellular, Chat Mobility, Copper Valley Telecom, Cordova, Cross Wireless, Digital Communications Consulting, Duet Wireless, East Kentucky Network (Appalachian Wireless), Enflick, GCI Communications, Google Voice, Illinois Valley Cellular, Inland Cellular, Inteliquent, James Valley Cellular (JVC), Limitless Mobile, MetroPCS, MTA Wireless/Matanuska Kenai, MTPCS Cellular One (Cellone Nation), Nemont CDMA, Nemont US UMTS, Nex Tech Communications, Northwest Missouri Cellular, Panhandle Wireless, Pine Belt, Pine Cellular, Pioneer Cellular, Rural Independent Network Alliance (RINA), Shelcomm, SouthernLINC, Standing Rock Telecom, Telnyx, TextMe, Thumb Cellular, Triangle Wireless, Truphone, Union Telephone, United States Cellular Corp, United Wireless, Viaero Wireless, Virgin Mobile, and West Central Wireless. Carriers are not liable for delayed or undelivered messages. Even if a carrier is supported, short code text message capabilities may not be enabled for your mobile telephone plan.
How to OPT Out
To opt-out of receiving text messages from Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC at your mobile telephone number, text STOP to any text message from Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLCl. For your protection, you will then receive a text message confirming your opt-out. Thereafter, you will no longer receive any text messages from Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC at your mobile telephone number, unless you re-enroll in the Program.
Your Mobile Telephone Number
You represent that (a) you are the account holder for the mobile telephone number that you provide or (b) you have the account holder’s permission to enroll the mobile telephone number in the Program. You are responsible for notifying Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC immediately if you change your mobile telephone number. You may notify Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC of a change by contact customer service.
Unguaranteed Access or Delivery to Mobile Telephone Network
Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC does not guarantee continuous, uninterrupted or secure mobile telephone network services. Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC cannot guarantee that text messages provided through your mobile telephone carrier will be delivered to you. You understand that delivery of information and content to a mobile device may fail due to a variety of circumstances or conditions, and you acknowledge that Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC is not responsible for any delayed or undelivered text messages.
Security of Text Messages
Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC does not guarantee that text messages will not be misappropriated, intercepted, diverted, lost, accessed, disclosed, or used by others. You acknowledge that Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC text messages, and the transmission of such text messages, are not encrypted. You acknowledge that Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC text messages may include information about your policy or claim. You understand and agree that the sending and receiving of information through text messages provides an opportunity for unauthorized access by a third party. Text messages may be displayed when your mobile device is “locked,” and you are responsible for ensuring such text messages are not viewable by third parties. For these reasons, Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC will not include full policy numbers, full claim numbers, or passwords in a text message.
You agree that your participation in the Program is at your sole risk. You further agree that Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC is not responsible for loss or damage of any sort that could arise out of the interception or misuse of text messages by third parties. Notwithstanding the foregoing, you authorize American National to monitor and record all text messages sent or received in connection with the Program. Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC will retain and dispose of such text messages in accordance with our data retention policy.
Privacy Policy
Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC respects the privacy of your personal information. If you have any questions about privacy, please visit our Privacy Policy web page here.
Termination of the Program
Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC may suspend or terminate your participation in the Program if Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC believes you are in breach of this Agreement. Your participation in the Program is also subject to termination if your mobile telephone service terminates or lapses. Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC reserves the right to modify or discontinue, temporarily or permanently, all or any part of the Program, with or without notice.
Release, Indemnity, and Limitation of Liability
By participating, you agree to release, indemnify and hold harmless Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC and its respective representatives, agents, successors, assigns, employees, officers and directors (together, the "Released Parties"), from any and all liability, loss, harm, damage, injury, cost, or expense whatsoever, including without limitation, negligence, property damage, personal injury, and death, which may occur in connection with the Program, and for any claims based on violation of law, regulation, or rule; infringement; or violation of any rights of any person or entity, including, without limitation, violation of publicity rights, defamation, and invasion of privacy.
You agree that Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC will not have any liability for, and you hereby waive, release, and agree not to sue Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC for (i) any punitive or exemplary damages, (ii) any reliance damages, (iii) any special, indirect, incidental, or consequential damages (including, without limitation, lost profits), (iv) any non-economic damages (including, without limitation, emotional distress, emotional discomfort, or mental anguish), however caused and under any theory (including, without limitation, negligence), in connection with, arising out of, or in any way related to, the Agreement, the Program, or your participation in the Program.
Exclusion of Warranties
TO THE FULLEST EXTENT PERMITTED BY LAW, THE RELEASED PARTIES DISCLAIM ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO: (A) ANY WARRANTY FOR CONTENT, INFORMATION, DATA, SERVICES, UNINTERRUPTED ACCESS, OR PRODUCTS PROVIDED IN CONNECTION WITH THE PROGRAM; (B) ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS, OR CONTENT OF INFORMATION, OR SERVICES OFFERED ON OR THROUGH THE PROGRAM; (C) ANY WARRANTIES THAT THE PROGRAM IS PRIVATE OR SECURE; AND (D) ANY WARRANTIES OF TITLE AND IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND WARRANTIES OF NONINFRINGEMENT.
THE PROGRAM IS PROVIDED ON AN "AS IS" AND “AS AVAILABLE” BASIS WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. THE RELEASED PARTIES DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR RESULTS OF THE USE OF INFORMATION ABOUT THE PROGRAM OR INFORMATION MADE AVAILABLE THROUGH THE PROGRAM. THE ACCURACY, COMPLETENESS, SEQUENCING, OR TIMELINESS OF INFORMATION IS NOT GUARANTEED BY US AND INFORMATION IS SUBJECT TO CHANGE.
Amendments
Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC reserves the right, at its sole discretion, to modify or remove portions of this Agreement at any time. In such case, Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC will revise the date at the bottom of the Agreement and post the updated Agreement to its public website. If you do not agree with any changes, you can choose to discontinue your participation in the Program. Your continued participation in the Program will indicate your acceptance of any changes.
Governing Law/Severability
The Agreement will be governed by and construed in accordance with the laws of the state of New York, without regard to its conflicts of law's provisions. Any dispute concerning the agreement, or the program will be subject to the venue of a court of competent jurisdiction in Albany County. If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
Entire Agreement
The Agreement is the complete and exclusive agreement between you and Latremore Group LLC, Latremore Agency LLC, and Agency 80 LLC relating to the Program, which supersedes any prior agreement, oral or written, and any other communications between you and us related to the Program.