Acceptance of Terms
By accessing or using this website, you agree to be bound by these Terms of Use, our Privacy Policy, and all applicable laws. If you do not agree, please do not use the site.

Eligibility
You must be at least 18 years old or have legal parental consent to use this site. Use is limited to residents of Illinois or those seeking insurance services compliant with Illinois law (625 ILCS 5/7-601 for auto insurance minimums).

Use of Services

• Access is for personal or business insurance inquiries only.
• You may not use the site for illegal purposes or to misrepresent coverage needs.
• All information provided must be accurate; falsification may violate Illinois Insurance Code (215 ILCS 5/).

Intellectual Property
All content, logos, and materials on this site are owned by Nine Lives Agency and protected under U.S. and Illinois copyright laws. Unauthorized use is prohibited.

Limitation of Liability
Nine Lives Agency is not liable for any indirect damages arising from site use. Coverage and claims are subject to policy terms and Illinois regulations, including the Illinois Insurance Code.

Disclaimers
This site provides general information, not legal or insurance advice. Verify details with our licensed agents. Compliance with Illinois consumer protection laws (215 ILCS 5/154.6) is maintained.

Privacy and Data
Your data is handled per our Privacy Policy, adhering to Illinois’ consumer data protection standards. Contact us at info@9livesagent.com for data inquiries.

Termination
We may terminate or restrict access at our discretion if you violate these terms, with notice where required by Illinois law.

Governing Law
These terms are governed by Illinois law. Disputes will be resolved in Illinois courts, consistent with state jurisdiction rules.

Changes to Terms
We may update these terms; changes will be posted here with the effective date. Continued use constitutes acceptance.

Contact Information
For questions, contact Nine Lives Agency  at 847-630-2833 or info@9livesagent.com, or visit our office at 1020 N. Milwaukee Ave, STE. 135, Deerfield, IL 60015.

Website
1. Introduction
This Privacy Policy explains how Nine Lives Agency collects, uses, and protects your personal information on this website, in compliance with Illinois law (215 ILCS 5/100 et seq.) and federal regulations.

2. Information We Collect

• Personal Data: Name, address, date of birth, Social Security number, and insurance details when you apply for coverage.
• Usage Data: IP address, browser type, and pages visited, collected via cookies.
• Optional Data: Information you provide voluntarily (e.g., contact preferences).

3. How We Use Your Information

• To process insurance applications and claims.
• To improve site functionality and tailor services.
• To comply with Illinois insurance reporting requirements.

4. Data Sharing

• Shared with licensed agents, underwriters, or regulators as required by law.
• Not sold to third parties, per Illinois’ Biometric Information Privacy Act (740 ILCS 14/) and consumer protection standards.
• Third-party service providers (e.g., payment processors) are bound by confidentiality agreements.

5. Data Security
We use encryption and secure servers to protect your data, adhering to Illinois insurance security standards (215 ILCS 5/513a1).

6. Your Rights

• Access, correct, or delete your data by contacting us at info@9livesagent.com.
• Opt out of marketing communications as per Illinois law by contacting us at info@9livesagent.com..
• Illinois residents may request data breach notifications under 815 ILCS 530/.

7. Cookies and Tracking
We use cookies to enhance your experience. You can disable them via your browser settings, though this may limit site features.

8. Changes to Policy
Updates will be posted here with the effective date. Continued use signifies acceptance.

9. Contact Us
For privacy concerns, reach us at 847-630-2833 orinfo@9livesagent.com, or visit Nine Lives Agency office at 1020 N. Milwaukee Ave, STE. 135, Deerfield, IL 60015.