Learn more about our updated Terms of Service

versedcongress1@gmail.com We're improving our Terms of Service and making them easier for you to understand. The changes will take effect on March 31, 2020, and they won't impact the way you use Google services. For more details, we've provided a summary of the key changes and Frequently Asked Questions. And the next time you visit Google, you'll have the chance to review and accept the new Terms. At a glance, here's what this update means for you: • Improved readability: While our Terms remain a legal document, we've done our best to make them easier to understand, including by adding links to useful information and providing definitions. • Better communication: We've clearly explained when we'll make changes to our services (like adding or removing a feature) and when we'll restrict or end a user's access. And we'll do more to notify you when a change negatively impacts your experience on our services. We've also described how we respond to data disclosure requests, such as requests from government agencies. • Adding Google Chrome, Google Chrome OS and Google Drive to the Terms: Our improved Terms now cover Google Chrome, Google Chrome OS, and Google Drive, which also have service-specific terms and policies to help you understand what's unique to those services. • No changes to our Privacy Policy: We're not making any changes to the Google Privacy Policy and we haven't made any changes to the way we treat your information. As a reminder, you can always visit your Google Account to review your privacy settings and manage how your data is used. If you're the guardian of a child under the age required to manage their own Google Account and you use Family Link to manage their use of Google services, please note that when you accept our new Terms, you do so on their behalf as well, and you may want to discuss these changes with them. And of course, if you don't agree to our new Terms and what we can expect from each other as you use our services, you can find more information about your options in our Frequently Asked Questions. Thank you for using Google's services. Your Google team © 2020 Google Ireland Limited, Gordon House, Barrow Street, Dublin 4, Ireland You have received this email to update you about important changes to Google's Terms of Service.

Changes to YouTube’s Terms of Service

As part of our ongoing efforts to improve transparency and communication, we're updating our Terms of Service ("Terms") in the European Economic Area and Switzerland and wanted to let you know about these changes. We've provided a summary of key changes but here's a snapshot of what we've done: • Improved readability. While still a legal document, we've done our best to make the Terms clearer and easier to understand. • Improved transparency and communication. We've added some useful links to help you navigate YouTube, including links to YouTube policies and Help Center. We've also expanded our commitments to notify you about any changes that may affect you, such as future changes to the Terms. • Your Content. We've clarified the content license you grant us to make it easier to understand. We're not asking for additional permissions and there's no difference in how we're using your content. • Our product today. We've made some updates to better reflect the way YouTube operates. For example, we've removed outdated descriptions and provided helpful details about our service with links to the Help Center. • No changes to our Privacy Policy. We're not making any changes to the Google Privacy Policy, as the way we collect and process your data is not changing because of this update. As a reminder, you can always review your privacy settings and manage how your data is used by visiting your Google Account. The new Terms will take effect on July 22, 2019 (see a preview). You will have the chance to accept the new Terms the next time you visit YouTube. If you would like more information, or if for any reason you don't agree to the new Terms and would rather stop using YouTube, you can find additional information in our Help Center. If you allow your child to use YouTube Kids, or manage your child's use of YouTube through Family Link, then please note that when you accept the new Terms you do so on behalf of your child as well. Please take some time to talk to them about these changes. Thank you for being part of our global community! © 2019 Google Ireland Ltd, Gordon House, Barrow Street, Dublin 4, Ireland. You have received this email to update you about important changes to the YouTube Terms.

Changes to our Terms of Service and Privacy Policy

Jesus Boone We'll soon publish changes to our Terms of Service that may affect the Google services you use. Starting January 22, 2019, services offered under these terms will be offered by Google Ireland Limited instead of Google LLC. We're making similar changes to the Drive, Play, YouTube, and YouTube Paid Service Terms of Service. You can find our new terms here. At the same time, we're also updating Google's Privacy Policy to specify that Google Ireland Limited will be the data controller responsible for your information and for complying with applicable privacy laws. These updates will take effect if you're based in the European Union, Iceland, Liechtenstein, Norway, or Switzerland (unless otherwise stated in a service-specific privacy notice). Our updated policy is here. Nothing about your experience in Google services will change. And nothing is changing in terms of your privacy settings, the way your data is processed, nor the purposes of its processing as described in the Google Privacy Policy. However, if you don't want to accept these changes in our terms and Privacy Policy, you can choose to stop using the applicable services. If you use Family Link to manage a Google Account for users below the age of consent, then please take some time to talk to them about these changes. You can see and manage your data in the Google Dashboard. And you can always change your privacy settings and data controls anytime in your Google Account. This email was sent to versedcongress1@gmail.com to provide an update about your Google Account. © 2018 Google LLC, 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA 1544781595967000

Improvements to our Privacy Policy and Privacy Controls

versedcongress1@gmail.com This month, we're updating our Privacy Policy to make it easier for you to understand what information we collect and why we collect it. We've also taken steps to improve our Privacy Checkup and other controls we provide to safeguard your data and protect your privacy. Nothing is changing about your current settings or how your information is processed. Rather, we've improved the way we describe our practices and how we explain the options you have to update, manage, export, and delete your data. We're making these updates as the General Data Protection Regulation (GDPR) takes effect across the European Union. Designed to harmonize privacy laws across Europe, the GDPR refines the transparency rules for how companies describe their data processing. We're making some required updates to our Privacy Policy, and we're taking the opportunity to make improvements for Google users around the world. Making our Privacy Policy easier to understand Simpler structure & clearer language We've improved the navigation and organization of the policy to make it easier to find what you're looking for. We've also explained our practices in more detail and with clearer language. New descriptive videos & illustrations Often a visual description is easier to understand than text alone, so we've added short videos and illustrations throughout the policy. Embedded privacy controls We've made it easier to jump to key settings directly from the policy, helping you make choices about your privacy. The revised policy is available here and will take effect on May 25, 2018. Improving your privacy controls Within the past year, we updated My Activity so that you can better access and manage the data in your Google Account. We also launched a redesigned Dashboard, which allows you to easily see an overview of products you're using and your data associated with them. This month, we've updated our Privacy Checkup with new illustrations and examples to help you make more informed choices about your key privacy controls. And since we understand that your preferences may change over time, the new Privacy Checkup enables you to sign up for regular reminders to check your privacy settings. To learn more about these and other controls to manage your privacy, visit your Google Account. © 2018 Google LLC, 1600 Amphitheatre Parkway, Mountain View, CA 94043 This email was sent to versedcongress1@gmail.com to provide an update about your Google Account.

New Webinars coming in January 2014

Big Data and Predictive Models, Avoiding Major E&O Exposure, Inbox Overload, Retaining Agency Talent   View this online.       New Webinars coming in January 2014 Make the commitment to learn more and earn more in 2014! Register early for these great webinars: - How agents can leverage insurance companies - Avoiding agency E&O exposure - Effectively handle inbox overload - Why two critical agency positions are susceptible to turnover     January 9 Live webinar + Q&A Thursday, January 9 10:30 - 11:30am Pacific Learn more   How to Leverage the Underwriters' Use of Big Data and Predictive Models to Write More Business Agents are finding themselves perplexed and frustrated with insurance companies' predictive models and use of "Big Data." This dramatic change is not going away, so agents need to understand it, and use these changes to their advantage in the marketplace. Learn more and Register today - Save $50 this week only   Instructor: Frank Pennachio Co-founder of The WorkComp Advisory Group     January 16 Live webinar + Q&A Thursday, January 16 10:30 - 11:30am Pacific Learn more   The Proper Care and Feeding of Certificates of Insurance Since Certificates of Insurance are becoming a major expense and a major E & O exposure which generates no revenue for the agency, managing this exposure effectively and efficiently is becoming increasingly important. This is a short course on Certificates of Insurance which reviews the legal and regulatory issues as well as do's and don'ts for handling COI's. Learn more and Register today - Save $50 this week only   Instructor: E. Stuart Powell, Jr., MA, CPCU, CIC, CLU, ChFC, ARM, AMIM, AAI, ARe, CRIS Vice President of Insurance Operations and Technical Affairs at Independent Insurance Agents of North Carolina, Inc.     January 23 Live webinar + Q&A Thursday, January 23 10:30 - 11:30am Pacific Learn more   Inbox Detox and the Habit of Email Excellence An hour packed full of email tips and hints that are designed to help you add hours to your days, weeks, or months, help you get organized, and even reduce some of your stress about email. One hour to give you more hours to get what needs to be done, done; what a great use of your time! Learn more and Register today - Save $50 this week only   Instructor: Marsha Egan Keynoter, facilitator, author and ICF-certified workplace productivity and business leader coach     February 6 Live webinar + Q&A Thursday, February 6 10:30 - 11:30am Pacific Learn more   Why Producers and CSRs Quit and How to Avoid Employee Turnover This course looks at the foundational reasons why two critical positions for most agencies, producers and account managers, are susceptible to turnover. Learn strategies to help identify which employees who are most susceptible to resigning, How to handle counteroffers and lightning rod "mistakes" that immediately create an environment of employee dissatisfaction (i.e. company actions that trigger people to start a job search). Learn more and Register today - Save $50 this week only   Instructor: Mary Newgard Senior Search Consultant at Capstone Search Group       Have questions or need help? Send an email to webcasts@insurancejournal.com or call Barbara at 800-897-9965 x166.     Follow on Twitter | Friend on Facebook | Connect on LinkedIn | Forward to a friend Copyright © 2013 Wells Media Group, Inc., All rights reserved. Insurance Journal / Academy of Insurance 3570 Camino del Rio N Suite 200 San Diego, CA 92108 Toll Free: (800) 897-9965 Webinar Schedule On-Demand Training Contact Us This email was sent to versedcongress1@gmail.com. unsubscribe from all newsletters | update subscription preferences

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Weekly Reader Picks: Monday, December 23, 2013

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December 23, 2013 Top 10 for the Past Week 1. GEICO Passes Allstate to Become 2d Largest U.S. Auto Insurer: SNL Dec 16, 2013 -- Based on third quarter reports, GEICO Corp. has surpassed Allstate Corp. to become the nation's second-largest private auto insurer. According to data compiled by SNL, GEICO logged $4.89 billion in direct premiums ... Share This: 2. North Dakota Workers’ Comp Mulls Suing Aon eSolutions Over Failed Project Dec 12, 2013 -- North Dakota's workers' compensation agency is considering suing a company that failed to complete a $17 million computer system overhaul. Workforce Safety and Insurance hired Chicago-based Aon eSolutions in 2007. The ... Share This: 3. AmTrust Financial Refutes Negative Report, Says Future Has ‘Never Been Brighter’ Dec 17, 2013 -- AmTrust Financial Services Inc. (AFSI), a New York-headquartered insurer whose stock price fell last week in wake of a negative report from research firm GeoInvesting, is assuring investors its business is strong. The ... Share This: 4. Universal, Fireman's Fund Seek 'Fast and Furious' Solution Dec 17, 2013 -- When "Fast And Furious" star Paul Walker died and left the seventh film in the franchise hanging in the balance, it wasn't the first time a studio and its insurer faced such a situation, but the point at which ... Share This: 5. Death Spiral Unlikely for Obamacare: Study Dec 18, 2013 -- A threat to America's health insurance overhaul has been that young people would not buy coverage in new marketplaces, possibly pushing the program into a disastrous spiral of falling enrollment and rising premiums. But ... Share This: 6. North Carolina Man Sues Hookup Website for Marriage Breakup Dec 17, 2013 -- A Charlotte man is suing his ex-wife's lover as well as a website which he says led to the breakup of his marriage. The Charlotte Observer reported that Robert Schindler is suing the woman's alleged partner in the ... Share This: 7. Texas No Longer No. 1 in High Home Insurance Rates Dec 18, 2013 -- An industry group says Texas homeowners no longer are paying the highest insurance rates in the country, a distinction that now goes to Florida residents. The National Association of Insurance Commissioners has released ... Share This: 8. California Tops 'Judicial Hellhole' List Dec 17, 2013 -- California isn't just a warm place to live, which is often the case even in winter, but it turns out the state is considered a "judicial hellhole." The American Tort Reform Foundation issued its annual "Judicial ... Share This: 9. Texas Tries Again to Put Drunk-Driving Teen Behind Bars Dec 19, 2013 -- Texas prosecutors are trying a second time to imprison a teen who was sentenced to 10 years' probation for drunkenly driving his truck into four pedestrians, killing them all. Tarrant County District Attorney Joe ... Share This: 10. New York Catholic Groups Win Challenge to Obamacare Birth Control Mandate Dec 16, 2013 -- A group of Catholic health and educational organizations doesn't have to comply with federal Affordable Care Act requirements to ensure employees receive insurance coverage for contraceptives, a New York federal judge ... Share This: Popular Videos Coastal Agents Alliance Stays Focused on Coastal Homes: Byrne How a Specialty Insurer Handles Hiring and Training: Energi's McCarthy The Impact of Alternative Reinsurance Capital: Reflections from PCI: Part 5 Subscriber Tools Send this to a friend Subscribe Update Subscriptions Submit News Contact Us

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