Legal & Privacy Policy

Legal Notice

Welcome to onebrightly web site (the 'Web Site'). Please review the following terms and conditions before using the Web Site. If you access, use, or download any material from this Web Site you agree to be bound by these terms and conditions ('Terms'). If you do not agree with these Terms, please refrain from using this Web Site.

This Web Site may include typographical errors or inaccuracies. onebrightly may periodically make changes to this Web Site. onebrightly and Third Party Providers may make improvements and/or changes in products and services described in this Web Site at any time without notice. Any action related to these Terms will be governed by Pennsylvania law and applicable federal law. These Terms represent the entire understanding relating to the use of the Web Site. onebrightly reserves the right to revise or change these terms at any time. Rights not expressly granted in these Terms are reserved by onebrightly. onebrightly reserves the right to terminate access to all or part of this Web Site, with or without notice and without liability to you or other users.

Elements of the Web Site are protected by trade dress and other laws and may not be copied or imitated in whole or in part. No logo, graphic, sound or image from the Web Site may be copied or retransmitted unless expressly permitted by onebrightly. The absence on this Web Site of a onebrightly product, service name, slogan or logo does not constitute a waiver of onebrightly's trademark or other intellectual property rights relating to such name or logo. All other product, service or company names may be the common law or registered marks of their respective owners and should be treated as such. All other product or service names, company names, marks, logos, and symbols may be the trademarks of their respective owners.

All materials on the Web Site, including information, logos, graphics, images, and software are provided by onebrightly or by third party manufacturers, authors, developers, and vendors and are the copyrighted work of onebrightly and/or third party providers. None of the materials may be copied, reproduced, distributed, republished, displayed, or transmitted without the prior express written permission of onebrightly. Nothing on this Web Site shall be construed to confer any license under any onebrightly or any third party provider's intellectual property rights. You acknowledge sole responsibility for obtaining such licenses.

This Web Site may contain links to or mirroring of web sites controlled by parties other than onebrightly. onebrightly is not responsible for and does not endorse or accept any responsibility for the contents or use of these third party web sites. onebrightly provides these links or mirroring to you only as a convenience, and the inclusion of any link does not imply endorsement of the linked web site by onebrightly. It is your responsibility to take precautions to ensure that whatever you select for your use is free of viruses or other items of a destructive nature.

onebrightly has not co-authored, ratified, endorsed or adopted the information contained in any publications referenced on this Web Site by publishing on the Web Site.

onebrightly has not co-authored, ratified, endorsed or adopted any statistics provided by third parties by publishing them on this Web Site.

Except where expressly provided otherwise by onebrightly, all comments, feedback, information or materials submitted to onebrightly through or in association with this Web Site ('Submissions') shall be considered non-confidential and the property of onebrightly. By providing Submissions to onebrightly, you agree to assign to onebrightly, at no charge, all worldwide rights, title and interest in copyrights and other intellectual property rights to the Submissions. onebrightly shall be free to use and/or disseminate Submissions on an unrestricted basis. You acknowledge that you are responsible for the Submissions that you provide, and that you, not onebrightly, have responsibility for the Submissions, including their legality, reliability, appropriateness, originality and copyright.

onebrightly makes no representations, warranties, guaranties, or conditions as to the quality, suitability, truth, accuracy, or completeness of any material contained on the Web Site. onebrightly disclaims all express or implied representations, warranties, guaranties, and conditions, including implied warranties or conditions of merchantability, fitness for a particular purpose, title and non-infringement, except to the extent such disclaimers are held legally invalid.

onebrightly shall not be liable for damages suffered as a result of using, modifying, copying, distributing, or downloading any materials or information available on this Web Site. In no event shall onebrightly be liable for any indirect, punitive, special, incidental, or consequential damage (including by not limited to loss of business, revenue, profits, use, data, or other economic advantage), however it arises, whether in an action of contract, negligence, or other tortious action, arising out of or in connection with the use or performance of information available from the Web Site. You agree to hold onebrightly harmless from, and you covenant not to sue onebrightly for claims related to use of the Web Site.

onebrightly makes no representation that the information on the Web Site is appropriate for use in countries outside of the United States. Accessing this information from countries or territories where the content is illegal is prohibited. You agree that none of the information will be acquired for export to embargoed countries or their nationals including Cuba, Iran, Iraq, Libya, North Korea, Syria, and the Sudan.

Privacy Policy


With respect to our web site ('Web Site'), onebrightly takes reasonable steps to provide notice when requesting personally identifiable information, the type of information we are requesting, and the purpose for which the information will be used. Global Insurance Service Innovations ('onebrightly') uses secure systems to safeguard information about you.

The onebrightly Online Privacy Policy applies to all personally identifiable information we receive through the Web Site from you. We may collect information concerning navigation through the Web Site by individuals. However, we only collect personally identifiable information about you when you make a request for information through the Web Site.

onebrightly may change its Privacy Policy, but not until such practices are posted on the Web Site. You agree that we may notify you of changes in our Policy through this Web Site.

Information collected via the Web Site is used for purposes identified on registration forms or e-mail forms. We may use this information to communicate with you. If we communicate to you using this information, you have the opportunity to opt-out from further communications.

We do not sell or rent personally identifiable information you provide to any third party. We may disclose information to third parties to process services on your behalf or to facilitate our contacts with you.

onebrightly may use cookies for the purpose of improving the use of the Web Site. The information we collect pertains to the navigation and experience on the Web Site. Most browsers have controls enabling users to manage cookies.

The onebrightly Online Privacy Policy applies to individuals using public onebrightly web sites and services provided through those web sites. Certain practices described and rights provided by this Online Privacy Policy may not apply to institutional or commercial users utilizing designated secure areas of the Web Site.