PRIVACY POLICY

"We respect and are committed to protecting your privacy. We may collect personally identifiable information when you visit our site. We also automatically receive and record information on our server logs from your browser including your IP address, cookie information and the page(s) you visited. We will not sell your personally identifiable information to anyone."

SECURITY POLICY

"Your payment and personal information is always safe. Our Secure Sockets Layer (SSL) software is the industry standard and among the best software available today for secure commerce transactions. It encrypts all of your personal information, including credit card number, name, and address, so that it cannot be read over the internet."

REFUND/RETURN POLICY

"All refunds will be provided as a credit to the credit card used at the time of purchase. Please contact Hay Creek Mutual at
651-923-4044 for questions."


Hay Creek Mutual Insurance Company Terms of Service

Please read these Terms of Service completely using haycreek.com which is owned and operated by Hay Creek Mutual Insurance Company.. This Agreement documents the legally binding terms and conditions attached to the use of the Site at haycreek.com.

By using or accessing the Site in any way, viewing or browsing the Site, or adding your own content to the Site, you are agreeing to be bound by these Terms of Service.

Intellectual Property
The Site and all of its original content are the sole property of Hay Creek Mutual and are, as such, fully protected by the appropriate international copyright and other intellectual property rights laws.

Termination
Hay Creek Mutual Insurance Company reserves the right to terminate your access to the Site, without any advance notice.

Links to Other Websites
Our Site does contain a number of links to other websites and online resources that are not owned or controlled by Hay Creek Mutual Insurance Company.

Hay Creek Mutual Insurance Comapny has no control over, and therefore cannot assume responsibility for, the content or general practices of any of these third party sites and/or services. Therefore, we strongly advise you to read the entire terms and conditions and privacy policy of any site that you visit as a result of following a link that is posted on our site.

Governing Law
This Agreement is governed in accordance with the laws of Minnesota, United States.

Changes to This Agreement
Hay Creek Mutual Insurance Company reserves the right to modify these Terms of Service at any time. We do so by posting and drawing attention to the updated terms on the Site. Your decision to continue to visit and make use of the Site after such changes have been made constitutes your formal acceptance of the new Terms of Service. Therefore, we ask that you check and review this Agreement for such changes on an occasional basis. Should you not agree to any provision of this Agreement or any changes we make to this Agreement, we ask and advise that you do not use or continue to access the haycreek.com site immediately.

Contact Us
If you have any questions about this Agreement, please feel free to contact us at haycreek@haycreek.com.