Stifeneb, LLC is licensed in the states of Alabama, Alaska, Arkansas, Arizona, California, Colorado, Connecticut, DC, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin, West Virginia, Wyoming.

California State license N OF50038 Stifeneb, LLC

• Joel M. Ray is licensed in the states of Alabama, Arkansas, Arizona, California, Colorado, Connecticut, DC, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin, West Virginia, Wyoming.

California State license N 0F18724 Joel M. Ray

About Us

• Stifeneb, LLC (“Stifeneb”) is a nationwide, licensed insurance agency located in Dallas, Texas. Our mission is to be the total solution and one-stop shop for all your healthcare needs. Stifeneb's administrative support is provided by New Benefits Ltd., a 15-year-old privately-held company with more than 100 employees serving clients nationwide.

Disclaimer

• The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change without notice. Copyright in the pages and in the screens displaying the pages, and in the information and materials therein and in their arrangement, is owned by Stifeneb. unless otherwise indicated. No one has permission to copy or republish any information found on this Web site and any pages thereof, unless otherwise indicated. Information from this website is invalid unless it is read and is presented in its entirety.

Existing Insurance Coverage

• Do not cancel any existing insurance until you receive written confirmation from the insurance company to which you are applying that your new policy is in effect.

Disclaimer of Warranties and Limited Liability

• THIS WEB SITE IS PROVIDED BY STIFENEB ON AN "AS IS" AND "AS AVAILABLE" BASIS. STIFENEB MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. ANY LINKS TO OTHER WEB SITES ARE PROVIDED AS A COURTESY. THEY ARE NOT INTENDED TO NOR DO THEY CONSTITUTE AN ENDORSEMENT BY STIFENEB OF THE LINKED MATERIALS. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, STIFENEB DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. STIFENEB DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM STIFENEB ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. STIFENEB WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, EVEN IF STIFENEB IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Privacy Policy
(Effective: April 1, 2007)

• The miquotes.com web site (“Web Site”) is owned and operated by Stifeneb, a Texas limited liability company and this Privacy Policy governs the manner in which Stifeneb collects, uses, maintains and discloses information collected from users of the Web Site (each, a “User”). Stifeneb reserves the right, at its discretion, to change, modify, add, or remove portions of this Privacy Policy at any time without notification.  Please check this Privacy Policy periodically for changes. The continued use of the Web Site following the posting of changes to these terms will mean you accept those changes.

Privacy

• Stifeneb is committed to safeguarding the information Users entrust to miQuotes and believes every User should know how miQuotes utilizes the information collected from the Web Site. This Web Site is not directed at children under 13 years of age.

The Information We Collect

• Stifeneb may collect personally identifiable information from Users in a variety of ways. Personally identifiable information may include:
  (i) contact data (such as a User’s name, telephone number, mailing and e-mail addresses);
  (ii) financial data (such as a User’s account or credit card number); and
  (iii) demographic data (such as a User’s zip code, age and income).

  If you communicate with Stifeneb by e-mail or otherwise complete online applications, forms, surveys or contest entries, any information provided in such communication may be collected by Stifeneb. Stifeneb may also collect information about how Users use our Web Site, for example, by tracking the number of unique views received by the pages of the Web Site, or the domains from which Users originate. We may use “cookies” to track how Users use our Web Site. A cookie is a piece of software that a Web server can store on the User’s PC to identify the User should they visit the Web Site again. While not all of the information that we collect from Users is personally identifiable, it may be associated with personally identifiable information that Users provide us through our Web Site.

How We Use Personally Identifiable Information

• Stifeneb may use personally identifiable information collected through our Web Site to contact Users from time to time via email, mail and/or telephone regarding products and services offered by Stifeneb and its trusted affiliates, independent contractors and business partners, and otherwise to enhance Users’ experience with Stifeneb and such affiliates, independent contractors and business partners. 

  How We Use Anonymous Information

• Anonymous information is any information that does not personally identify you including, but not limited to, demographic information. Stifeneb may use anonymous information collected through our Web Site to enhance Users’ experience with Stifeneb, affiliates, independent contractors and business partners. Stifeneb may also use anonymous information collected through our Web Site for research regarding the effectiveness of the Web Site and the marketing, advertising and sales efforts of Stifeneb, its trusted affiliates, independent contractors and business partners.

  Disclosure of Information

• Stifeneb may disclose information collected from Users to trusted affiliates, independent contractors and business partners who will use the information for the purposes outlined above. We may also disclose aggregate, anonymous data based on information collected from Users to investors and potential partners. Finally, we may transfer information collected from Users in connection with a sale of Stifeneb’s business.

  Permitted or Required by Law

• Information about Users may be released when requested by law enforcement officials or when permitted or required by law. Stifeneb may need to disclose protected health information in response to a court or administrative order.

  Maintenance of Information

• Information about Users that is maintained on our systems is protected using industry standard security measures. However, we cannot guarantee that the information submitted to, maintained on, or transmitted from our systems will be completely secure.

Applicability of Privacy Policy

• The information contained in this privacy policy applies only to information gathered on this website. All of the personal information you submit to Stifeneb through this website shall be governed by this privacy policy. This includes both Personally Identifiable Information and Anonymous Information. 

  Links to Other Websites

• This website contains links to other websites. By clicking on these links you are being redirected to another website whose privacy practices may differ from Stifeneb’s. Stifeneb is not responsible for the privacy practices or information contained in these sites. Please review the privacy policy which is set forth on the external website you are visiting.

  Complaints

• If for any reason you feel your privacy rights have been violated, you may file a complaint with Stifeneb at privacy@stifineb.com or with the Secretary of the Department of Health and Human Services for your state. All complaints must be in writing. You will not be retaliated against for filing a complaint.Questions

• Users may direct questions concerning this Privacy Policy by email to privacy@stifeneb.com

  Updated: August 21, 2007