Effective Date: August 21, 2026 Last Updated: August 21, 2026
Welcome to the website operated by Unfold 360 LLC ("Unfold 360," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website and any services made available through it (collectively, the "Website").
By accessing or using the Website, you agree to these Terms. If you do not agree, please do not use the Website.
1. Purpose of the Website
The Website provides information about insurance products and services and may allow visitors to request information, submit an inquiry, request an insurance quote, or communicate with Unfold 360 regarding insurance products.
Information provided through the Website is for general informational purposes and does not constitute a guarantee of coverage, an offer of insurance, or a binding insurance contract.
Actual insurance coverage is governed by the applicable insurance policy, declarations, endorsements, applications, and other documents issued or approved by the applicable insurance carrier.
2. No Guarantee of Coverage
Submitting information through the Website does not guarantee that you will qualify for insurance or receive a particular premium, policy, coverage amount, rate, or other insurance product.
Any quote, estimate, or indication of pricing may be subject to underwriting, eligibility requirements, verification of information, carrier approval, and the terms and conditions of the applicable insurance policy.
Coverage does not become effective unless and until confirmed by the applicable insurance carrier and any required conditions have been satisfied.
3. Accuracy of Information
You agree to provide accurate, complete, and current information when using the Website or requesting insurance services.
You are responsible for reviewing the information you provide and notifying us of any inaccuracies or changes.
Providing false, misleading, incomplete, or fraudulent information may affect your eligibility for coverage, premiums, claims, or policy status and may have other legal consequences.
4. Insurance Products and Availability
Insurance products, coverage options, rates, and services may vary depending on your location, eligibility, underwriting requirements, and applicable law.
Nothing on this Website guarantees that a particular insurance product or coverage is available to you.
Where required by applicable law, insurance producer licensing information and other required disclosures will be provided in connection with the applicable insurance transaction.
5. Third-Party Insurance Carriers and Service Providers
Unfold 360 LLC may work with third-party insurance carriers, agencies, managing general agents, technology providers, quote platforms, and other service providers.
These third parties may have their own terms, privacy policies, underwriting requirements, and eligibility criteria.
Unfold 360 LLC is not responsible for the acts, omissions, products, services, or policies of third parties except as otherwise required by applicable law.
6. Electronic Communications
By submitting your contact information through the Website, you may receive communications relating to your inquiry, quote request, application, insurance services, or other interaction with Unfold 360 LLC.
Communications may include telephone calls, emails, and text messages.
Where required by applicable law, marketing communications will only be sent with your consent.
You may opt out of marketing communications by following the instructions contained in those communications.
7. Text Messaging
If you affirmatively consent to receive text messages from Unfold 360 LLC, message and data rates may apply depending on your mobile carrier and plan.
Message frequency may vary.
You may opt out of text messages at any time by replying STOP. For assistance, reply HELP or contact us using the information below.
Consent to receive marketing text messages is not a condition of purchasing insurance or obtaining services.
8. Prohibited Uses
You agree not to:
Use the Website for unlawful, fraudulent, or deceptive purposes;
Submit another person's information without authorization;
Attempt to gain unauthorized access to the Website or its systems;
Interfere with the operation or security of the Website;
Introduce viruses, malicious code, or other harmful material;
Scrape, reproduce, or commercially exploit Website content without authorization; or
Use the Website in violation of applicable laws or regulations.
9. Intellectual Property
Unless otherwise indicated, the Website and its content, including text, graphics, logos, designs, photographs, videos, and other materials, are owned by or licensed to Unfold 360 LLC and are protected by applicable intellectual-property laws.
You may use the Website for lawful, personal, and non-commercial purposes. No ownership rights are transferred to you through your use of the Website.
10. Disclaimer of Warranties
To the fullest extent permitted by applicable law, the Website and its content are provided on an "as is" and "as available" basis.
Unfold 360 LLC does not guarantee that the Website will always be available, uninterrupted, secure, error-free, or free from viruses or other harmful components.
Nothing in these Terms is intended to exclude or limit any rights or protections that cannot legally be excluded or limited.
11. Limitation of Liability
To the fullest extent permitted by applicable law, Unfold 360 LLC will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from or relating to your use of the Website.
Nothing in these Terms limits liability that cannot legally be limited under applicable law.
12. Indemnification
To the extent permitted by law, you agree to indemnify and hold harmless Unfold 360 LLC and its owners, employees, contractors, and representatives from claims, damages, liabilities, losses, and expenses arising from your unlawful use of the Website, violation of these Terms, or submission of fraudulent or unauthorized information.
13. Changes to These Terms
Unfold 360 LLC may update these Terms from time to time.
When changes are made, the updated "Last Updated" date will be posted on this page.
Your continued use of the Website after changes become effective constitutes acceptance of the revised Terms to the extent permitted by law.
14. Governing Law
These Terms shall be governed by applicable laws of the Commonwealth of Pennsylvania, without regard to conflict-of-law principles, except where applicable law requires otherwise.
15. Contact Information
Unfold 360 LLC 502 W 7th Street, Suite 100 Erie, PA 16502 Email:[email protected] Phone: 267-573-8083
PRIVACY NOTICE
Effective Date: August 21, 2026 Last Updated: August 21, 2026
Unfold 360 LLC ("Unfold 360," "we," "us," or "our") respects your privacy. This Privacy Notice explains how we collect, use, disclose, and protect information obtained through our Website.
By using the Website, you acknowledge the practices described in this Privacy Notice.
1. Information We Collect
Depending on how you use our Website and services, we may collect information including:
Information You Provide
This may include:
Full name;
Mailing or residential address;
Email address;
Telephone number;
Date of birth;
Information regarding vehicles, property, businesses, or other insured assets;
Insurance history;
Coverage preferences;
Information necessary to obtain an insurance quote;
Information submitted through forms or applications; and
Communications between you and Unfold 360 LLC.
Some insurance-related information may be considered sensitive or subject to special privacy protections under applicable law.
Please do not submit sensitive personal information through a Website form unless the form specifically requests that information and is designed to securely collect it.
2. Information Collected Automatically
When you visit our Website, certain information may automatically be collected, including:
IP address;
Browser type;
Device type;
Operating system;
Pages visited;
Date and time of visits;
Referring website;
General Website usage information; and
Information collected through cookies and similar technologies.
3. Cookies and Similar Technologies
Unfold 360 LLC may use cookies, pixels, analytics tools, and similar technologies to:
Operate the Website;
Remember preferences;
Understand how visitors use the Website;
Improve Website functionality;
Measure advertising and marketing performance; and
Support marketing activities where permitted by law.
You may be able to control cookies through your browser settings. Disabling certain cookies may affect Website functionality.
4. How We Use Your Information
We may use information we collect to:
Respond to inquiries;
Provide insurance information;
Obtain or provide insurance quotes;
Facilitate insurance applications or transactions;
Communicate with you;
Verify information;
Evaluate insurance eligibility;
Provide customer service;
Improve our Website and services;
Detect and prevent fraud or abuse;
Maintain security;
Comply with legal and regulatory requirements;
Maintain business and insurance records; and
Conduct marketing and advertising activities where permitted by law.
5. How We Share Information
We may disclose information when reasonably necessary to provide requested insurance services or operate our business.
Depending on the circumstances, information may be shared with:
Insurance carriers;
Managing general agents;
Insurance intermediaries;
Insurance service providers;
Quote and application platforms;
Technology providers;
Website hosting providers;
Customer relationship management providers;
Communication providers;
Analytics providers;
Professional advisers;
Government or regulatory authorities; and
Other parties when required or permitted by law.
We may also disclose information when reasonably necessary to protect our rights, prevent fraud, respond to legal process, or comply with applicable law.
6. Insurance Information
Insurance-related information may be subject to federal and state privacy laws and regulations governing the collection, use, and disclosure of consumer and insurance information.
Where a separate privacy notice, authorization, consent, or disclosure is required by applicable law, that document will apply to the relevant information or insurance transaction.
7. Third-Party Websites
Our Website may contain links to third-party websites or services.
Unfold 360 LLC is not responsible for the privacy practices, security, or content of third-party websites.
We encourage you to review the privacy policies and notices of any third-party website you visit.
8. Data Security
Unfold 360 LLC uses reasonable administrative, technical, and physical safeguards designed to protect information in our possession against unauthorized access, use, alteration, or disclosure.
However, no electronic transmission or storage system can be guaranteed to be completely secure.
9. Data Retention
We may retain personal information for as long as reasonably necessary to:
Provide requested services;
Maintain business and insurance records;
Comply with legal and regulatory requirements;
Resolve disputes;
Prevent fraud;
Enforce agreements; and
Fulfill other legitimate business purposes.
Retention periods may vary depending on the nature of the information and applicable legal requirements.
10. Your Privacy Rights
Depending on your state of residence and applicable law, you may have certain rights concerning your personal information.
These rights may include the ability to:
Request access to certain personal information;
Request correction of inaccurate information;
Request deletion of certain information;
Opt out of certain marketing communications;
Request information regarding certain uses or disclosures of personal information; and
Exercise other rights provided by applicable law.
Certain information may be exempt from deletion or other requests because of insurance, legal, regulatory, security, fraud-prevention, or record-retention requirements.
To submit a privacy request, contact Unfold 360 LLC using the contact information below.
11. Children's Privacy
Our Website is not directed toward children under 13, and we do not knowingly collect personal information from children under 13 through the Website.
If you believe that a child has provided personal information to us, please contact us so that we can take appropriate action.
12. Do Not Track
Some web browsers offer a "Do Not Track" setting. Because there is not currently a universally accepted standard for responding to these signals, our Website may not respond to every such signal.
13. Changes to This Privacy Notice
Unfold 360 LLC may update this Privacy Notice periodically to reflect changes in our business practices, technology, legal requirements, or services.
Any updated Privacy Notice will be posted on this page with a revised "Last Updated" date.
14. Contact Us
Questions regarding this Privacy Notice or privacy requests may be directed to:
Unfold 360 LLC 502 W 7th Street, Suite 100 Erie, PA 16502 Email:[email protected] Phone: 267-573-8083