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If we decide to proceed non-electronically, those services will still be governed by these Terms of Use. e. You are solely responsible for maintaining the confidentiality of your password and for restricting access to your Internet Device so that others may not access any password protected portion of the Website using your name, username, or password. El marketing estratégico define el plan de venta a seguir que permita conseguir los objetivos que se ha fijado la empresa. Our business purposes include: Do We Share Your Personal Data?We do not sell your personal data as defined by California law. Assim, definindo Marketing Estratégico, que é nosso objetivo, podemos dizer que é a união das ideias de “marketing” e “estratégia” em uma visão de futuro. segundo, por sua vez, executa as ações planejadas pelo primeiro. The big picture. Desejo muito sucesso a Bel na instigante missão de nos colocar a par dos conceitos e aplicações do mkt estatégico. ***Coverage determination will be made after a review of your coverage availability and loss details. Descubre qué es el Marketing Estratégico y como aplicarlo a tu negocio. If you do not agree with any part of the Terms of Use, you must not use this site. If you would like your policy documents mailed to you, please contact us by phone or email. Obrigada professor Paulo!!! Please note that his transaction will process to the last payment method used. You may request to opt out of paperless processing by writing to us at Millennial Specialty Insurance, 8821 Davis Blvd, Suite 500, Keller, TX 76248 or by calling 844-788-0873. Our website may contain links to other sites and we are not responsible for the security or practices of those sites. 5.2 Estrategia de extensión de producto: qué es la extensión de un producto. You agree that these paperless communications are the legal equivalent of officially required communications relating to your policy which you would otherwise receive in paper form. Texto inteligente, coerente e muito bem elaborado! 310 N. Main Street, Suite E. Keller, TX 76248. Your leasing office cannot cancel your policy for you. Discover how MSI can elevate your company's platform today. 12. Ao realizar o planejamento, podemos calcular o investimento necessário para que todas as ações estratégicas, táticas e operacionais sejam realizadas. You may check on the status of your claim by contacting our claims administrator at 844.788.0873, or call or email your assigned adjuster. We DO NOT sell personal information and we support all consumer privacy rights introduced under the CCPA. Espero continuar acertando nos tópicos!!! Your agent information is also listed on your policy documents. É verdade, mas o aparente pleonasmo não acontece por acaso. We specialize in the distribution whereas property managers require evidence of insurance as part of the Lease Agreement. These communications may include, but are not limited to, policy declarations, policy forms, endorsements, related forms, insurance identification cards, billing statements, installment schedules, legally required notices, and other official correspondence. We may share the following categories of personal data as needed for business purposes: For information about how we have shared personal data in the past twelve months, please go to the California Supplemental Privacy Policy. We offer a national HO4 renters insurance product, distributed via agent partners in the property management and auto insurance markets. Any state specific disclosures may be included in a state specific insurance application or policy, if so required. Além disso, aqui é analisado o valor agregado no mesmo; Preço: esse “P” deve considerar o custo de produção do produto bem como valor agregado e deve estar alinhado a situação do mercado também para que haja um equilíbrio, levando em conta ainda, Praça: esse “P” refere-se a maneira como o consumidor chega até o produto/serviço. Para Online documents are supported on the current versions of Firefox , Google Chrome, Safari, and Microsoft Internet Explorer version 10 and later. O Marketing Estratégico, por exemplo, tal como o marketing tático e o marketing operacional, são excelentes exemplos desse “casamento”. Não podemos ser demasiadamente flexíveis, pois assim o pensamento estratégico perderia seu propósito. providing rental car replacement, or repairs; creating, maintaining, customizing and securing accounts; supporting day-to-day business and insurance related functions; doing internal research for technology development; marketing and creating products and services; conducting audits related to a current contact with a consumer and other transactions; as described at or before the point of gathering personal data or with your authorization; protecting against fraud or illegal activity, and to comply with regulatory and law enforcement authorities; managing risk and securing our systems, assets, infrastructure and premises; roadside assistance, rental car replacement, or repairs. Always review your actual installment schedule for payment dates and amounts. Execução do plano de marketing: executar de forma eficaz, dentro do cronograma proposto, o planejamento estratégico e tático de marketing concebido, com atenção especial aos detalhes, e concentração sobre a estratégia e as táticas (ações com base no mix de marketing) definidas no. Marketing Sensorial: o que é e como aplicar essa estratégia? regulatory, quasi-regulatory, tax or other authorities, law enforcement agencies, courts, arbitrational bodies, and fraud prevention agencies); Advisors including law firms, accountants, auditors and tax advisors; Insurers, re-insurers, policy holders, claimants; Group policyholders (for reporting claims data or an audit); Service providers and affiliates for actuarial or research studies; and, Internet of other similar network activity, Professional, employment and education data. Ainda, é essencial saber como o setor do negócio está atualmente no cenário econômico, se há crescimento ou não e consultar dados do IBGE ou artigos que forneçam informações que possam ser relevantes tais como novas tecnologias que estejam associadas ao produto ou serviço. Including, without limitation, any lost profits, business interruption, loss of programs or data, even if we are expressly advised of the possibility of such damages. Enfim, se começarmos a enumerar definições este espaço vai ser mínimo e não chegaremos a lugar algum, ficaremos vagando em teorias. We may also use cookies and anonymous identifiers when you interact with services we offer to our partners, such as advertising services. Tenha uma ótima semana !!! For example, under the California Insurance Code you may request a copy of certain information about you to review its completeness and accuracy. Olá, Jacy, boa noite ! This information is used internally to handle your request, service your policy or product, administration of the site, market research, data analytics, compliance with legal obligations and billing notifications. Se você é um acadêmico ou profissional de Marketing, provavelmente deve sentir uma pulga atrás da orelha quando se depara com o termo “Marketing Estratégico”. We do reserve the right to transfer any information we have about you if we sell or transfer any portion of our business or assets. Si partimos de ahí, nuestras acciones tendrán muchas más probabilidades de éxito que si disparamos a ciegas. Marketing estratégico: qué es y para qué sirve. We strive to protect your privacy. To request an address change, log in to your account and select Request Policy Change, then Change Address from the Customer Menu. We reserve the right to change this privacy policy at any time. Any payment or installment attempt on your account that is returned from the bank for any reason, may be charged additional returned item fee(s), which will be added to the original amount and auto-debited from your account. El Marketing Estratégico es el enfoque de marketing centrado en los resultados a medio y largo plazo. El marketing estratégico es la aplicación de una estrategia de marketing que vaya de acuerdo con la estrategia comercial de la empresa. Ou seja, trata-se de uma estratégia com foco no planejamento e estabelecimento de metas para melhor aproveitar as oportunidades do mercado. De fato, o Marketing Estratégico descreve a verdadeira essência da área, mas é somente quando definimos todas as fases do processo que conseguimos perceber a sua importância, seja como conceito, seja como aplicação. Payment plans include: annual, semi-annual, quarterly, or monthly payments. After we receive your claim, an adjuster will be assigned to your claim and will contact you within 1 to 2 business days. Vamos lá? We have 30 business days after receiving your request to send the data to you. By continuing use of our website, you are agreeing to any changes herein. We are in the office Monday through Friday, 8am to 5pm CST. Para melhorar os processos da sua empresa ou indústria, Para organizar financeiramente sua empresa, Leading 100: Die definitive Auswahl Internet-Dating-Sites (2020), We could Convince You That Looking4Hotties.com Is 100% Fake & The Fraud, Editors’ Selection Award: Gramercy Mansion features a classy & Timeless event Venue merely outside Baltimore, Yeezy.Dating Builds on their Momentum as a Viral dating website by falling a software for Kanye lovers & musical enthusiasts, 10 Most Readily Useful British Dating Blog Sites (2020). Our employees are authorized to access your data only for legitimate business purposes. You agree that: a. Conocer mejor al consumidor. El marketing estratégico, es una metodología que implementa herramientas para el análisis del mercado que permiten identificar posibles amenazas y oportunidades. consulta, por exemplo, artigos, notícias e dados do IBGE) e posterior análise. We will attempt to respond to your request within 1-2 business days. Marketing estratégico. How do I get in touch with a customer service representative? If your policy is issued in Florida, scheduled personal property is not available. Inscreva-se para receber nossos conteúdos por email e participe da comunidade da Rock Content! Amigos, espero que com isto tenha conseguido deixar claro, dentre as várias definições e segmentações do marketing , o que nos espera quanto ao Marketing Estratégico. Any time you use this website you can check these terms. Encontrar o equilíbrio em termos de flexibilidade pode ser um desafio, mas é essencial. Feito isso, é importante realizar uma análise de mercado para conhecer exatamente a persona e um mix de marketing para ajudar a traçar as estratégias e definir indicadores, como explicado no tópico anterior. Marketing Estratégico é a abordagem do marketing focada em resultados de médio e longo prazo. Quando falamos em Marketing Estratégico, estamos pensando no médio e no longo prazo. plano. Espero encontra-los novamente aqui no próximo dia 28, para continuarmos esta conversa, e claro, para que este não seja um monólogo, agradeço comentários que possam implementar e complementar estas definições. If you would like to start a new policy visit your agent’s website or call us at 844-788-0873. You will be liable for any return check fees and late payment penalties. No passado, o Marketing foi predominantemente interpretado como um acessório da comunicação. Adotada para adequação do produto aos consumidores alavancando as vendas do negócio e aumentando o lucro do mesmo. That consent is contained in the application process and will be recorded with your agreement at the time of purchase. Something went wrong, please refresh the page and try again. 5.1 Qué es una estrategia de producción: cuáles son las estrategias de un producto. The following additional fees may apply: Returned NSF Check - $10.00 ($15.00 in FL), Reinstatement/Lapse - $5.00. We will advise you of any refund or payment required, based on the requested cancellation date. Marketing Estratégico é a abordagem do marketing focada em resultados de médio e longo prazo. We reserve the right to refuse processing service to you at any time for any reason. It may also include data gathered in connection with our provision of insurance services, when you apply for such services, or resulting from other contacts with you. isso, os clientes, fornecedores e a concorrência devem ser estudados de modo Each Keller Williams office is independently owned and operated. y a resolver todas las dudas sobre el papel que desempeña en las organizaciones. Parabéns! We accept Visa, MasterCard, Amex, and Discover. You agree to indemnify and hold us harmless for any recurring payments that are charged by accident or because you failed to cancel your recurring payment. Please keep in mind that this is only a request and is subject to review. Deve orientar a empresa para as oportunidades econômicas atrativas, adaptadas a seus recursos e que oferecem potencial de crescimento e rentabilidade. If you think information we may have collected about you is inaccurate, you may send a written request for review and we will make appropriate changes, if warranted. Adotar um plano de marketing é fundamental, mas o pensamento estratégico é algo anterior. Vou usá-la… :-) Please note that your agent may deliver certain documents via U.S. Mail due to legal requirements and/or system limitations. If the law allows you to withdraw your consent to communicate or conduct business electronically, or if we are ever required to deal with you non-electronically, we reserve the right to charge fees associated with any activity. If you do not have an email address and wish to purchase a policy from us, which may require paperless processing, you agree to create an account with us to access any documents electronically. *Woodridge Insurance Company, Spinnaker Insurance Company, NAIC # 24376, (C.A. A Análise SWOT é uma metodologia usada para verificar as vantagens e carências de uma empresa e sua concorrência, esclarecendo os caminhos mais vantajosos para atuação. About Search Results. É muito difícil definir Marketing, principalmente explicando como marketing é estratégia. How do I add scheduled personal property to my policy? Your policy premium is pro-rated, and you will be refunded any unused premium based on the cancellation effective date. Una de las características más útiles e importantes del marketing consiste en poder planificar, con bastante garantía de éxito, el futuro de nuestra empresa, basándonos para ello en las respuestas que ofrezcamos a las demandas del mercado, ya hemos dicho que el entorno en el que nos posicionamos . Our notice to you will be sent to you based on the most recent contact information that you provide us. Baixe aqui um e-book grátis para fazer um bom planejamento com a análise SWOT. All of your transactions with our website may be conducted electronically. An email will be sent to the address provided, confirming receipt of the information. O El marketing estratégico permite obtener un panorama general del mercado, de la competencia y de nuestros clientes potenciales. É sabido que depois de uma crise, principalmente forte como esta que estamos vivendo, vem uma fase de prosperidade, acompanhada de uma evolução social. Consequentemente, é importante estar detalhado na consultoria em marketing estratégico como serão realizadas as estratégias, em que momento serão colocadas em prática e qual é o orçamento que será destinado a ela. We're looking forward to learning more about you! Discover how MSI can elevate your company's platform today. Dessa forma, o objetivo a consultoria em marketing estratégico é diferenciar-se da concorrência e realçar o que o faz exclusivo. É importante esclarecer, também, que ter uma estratégia de marketing não significa, necessariamente, ser estratégico. You will be asked to input your username or policy number as well as your last name, and a new temporary password will be emailed to you. We may disclose information that we receive from you on applications or other forms to financial service providers or agents with whom we have contractual agreements to service your account. For data about how we have gathered personal data in the past twelve months, please go to the California Supplemental Privacy Policy. We do not guarantee that SMS Service will be private or secure, and we are not liable to you for any lack of privacy or security. Redator Rock Content 26 dez, 18 | Leitura: 9min Sua empresa precisa estar preparada e tem pouco tempo para isto. Checking account payments are applied immediately but take 10 to 15 days to settle with the bank. Your bank or card holder may also charge you additional fees. How do I check on the status of my claim? Abraços. If we agree, we will change our records. Contact your agent with any questions you may have regarding your account. 1. Millennial Specialty Insurance knows renters insurance. Primeiramente gostaria de parabenizar nossa Grande São Paulo pelo seu aniversário, ontem, dia 25 de Janeiro! You may request a paper copy of any official notice sent to you, or of your policy documents. É seguir a evolução do mercado de referência e identificar os diferentes produtos/mercados e segmentos atuais e potenciais, a partir de uma base de necessidades a serem encontradas. Our team collectively has over 50 years' experience and expertise in the design, distribution, and underwriting of products for the insurance market. If you would like to change your username, please contact us and we will assist you. If the item is over $5,000 an appraisal less than 60 days old or itemized bill of sale is required as well as a current photo. O Marketing Digital se destaca nesse quesito, pois permite a análise de dados detalhados e em tempo real. bb_format = "bbm"; O Implantando Marketing surgiu para ser mais que um blog: trata-se de um projeto que busca união e proximidade entre os profissionais das áreas de Comunicação Empresarial e Marketing. Em rigor, o Marketing moderno pode ser entendido como um grande processo que engloba toda a jornada de uma marca, um produto ou um serviço. Vale lembrar que, quanto mais ricos forem os dados obtidos em suas pesquisas, mais claros serão os resultados dessa análise. Beneficios y ejemplos Acceso estudiantes Menú Carreras Universitarias Ver todas las Carreras Artes y Humanidades Grado en Humanidades Grado en Música Grado en Traducción e Interpretación Grado en Comunicación Grado en Historia y Geografía Grado en Historia del Arte Grado en Filosofía, Política y Economía É o processo de planejamento e execução de criação, estabelecimento de preço, promoção e distribuição de ideias, produtos e serviços para criar intercâmbios que irão satisfazer as necessidades do indivíduo e da organização. A melhoria e mudança exige investimento para desenvolver programas e métodos para vender mais e melhor, seja indústria, serviços ou comércio, aumentando assim o valor da empresa, se preparando para um novo movimento forte de fusões, aquisições e renovações, consequência das mudanças geradas pela crise. We respect your privacy and are committed to treating customer information responsibly. What if I want my documents mailed to me? Our team collectively has over 50 years' experience and expertise in the design, distribution, and underwriting of products for the insurance market. If this needs to be processed immediately, please contact your agent directly. questionários e busca de dados secundários (dados de pesquisas disponíveis para “O Marketing é muito importante para fazer parte apenas do Departamento de Marketing”. Temporary passwords may be disabled after a period of time determined by us. Libro-Marketing-Estrategico-lambin-jean-jacques. Oops! Para finalizar, a estratégia de marketing precisa ser estudada e avaliada pelos gestores e pelas empresas e profissionais que serão contratados. c. You will provide accurate, current, and complete registration information about yourself in connection with the registration process and, as permitted, to maintain and update it continuously and promptly to keep it accurate, current, and complete for as long as you use the features to which the registration relates. SYSTEM REQUIREMENTS: You acknowledge and agree that you have sufficient access to a privately owned computer and email system (as opposed to one with limited access, such as those housed in public libraries) that will: permit you to access, view, and print the communications your agent will send; permit you to receive emails that contain hyperlinks to websites; and permit you to access websites. Como você sabe, Marketing é um conceito muito amplo e as ramificações da palavra são criadas para esclarecer seus princípios, suas funções, suas ferramentas e, nesse caso específico, suas dimensões. É também recomendável que as metas estipuladas considerem possíveis imprevistos ou atrasos. If you are having trouble with the online site, call us at 844.788.0873 or email us at customerservice@msimga.com. 4) Los problemas que se pueden esperar en el proceso de marketing estratégico. If you register for any feature that requires a password and/or username, then we may send you an email notification with a randomly generated initial password and you will be required to create your own password the first time you log in. When you communicate with us electronically, such as via e-mail and text message, you consent to receive communications from us electronically. To request an additional interest or interested party be added to your policy, log in to your account and select Request Policy Change, then Add/Edit Additional Interest from the Customer Menu. Um pouco porque, como todo assunto ligado ao Marketing é vasto e pode nos levar a diferentes estradas. Do you have a question, are looking for more information, or are you ready to begin working with us? El objetivo de este curso es aportar una introducción al marketing estratégico. Millennial Specialty Insurance was launched in 2015 to serve and provide niche markets with streamlined solutions for the efficient distribution of insurance products to the end-user. We have received your message and sent a confirmation email to the address provided. It will also be included in any later disclosures to others. We will also send it to any persons that have received the disputed information from us. YOU AGREE TO RECEIVE ALL MAILINGS AND COMMUNICATIONS ELECTRONICALLY, SUCH ELECTRONIC MAILING OR COMMUNICATIONS MAY EVEN INCLUDE CANCELATION OR NON-RENEWAL NOTICES. Our Privacy Policy. Como último paso, incluye el diseño y planificación de estrategias de marketing en base al conocimiento adquirido. We are not responsible for any content on any linked site. Então confira nosso ebook Marketing e Vendas de Alta Performance e aprenda a escolher as métricas certas e alinhar seus times de Marketing e Vendas! Abracos, Marketing & Estratégias Explicado de una forma más simple…. If you purchase a policy or product from us, you may be required to complete a paperless processing consent agreement, which will allow us to conduct business communications with you electronically. Esta es documentada y planeada a largo plazo y es la base para cualquier toma de decisión relevante al negocio. Email is not a secure method of communication and is not encrypted. No entanto, quando nos referimos ao marketing estratégico há a relação direta com a administração da empresa. By continuing to use this site and / or our products and services, you agree to the new privacy policy found here. De esta forma será mucho más sencillo para la compañía tomar decisiones y priorizar acciones. This notice applies to you if you are a California resident and are contacting us to learn about our products, to buy insurance for yourself (for example, renters insurance), or if you are filing a claim against a policy. In this notice, we explain how we gather, use, share, and protect your data. Millennial Specialty Insurance was launched in 2015 to serve and provide niche markets with streamlined solutions for the efficient What Rights Do I Have to Learn More About My Personal Data?You may have rights under California laws to learn more about our privacy practices. Each time you access and/or use the Website, you agree to be bound by and comply with all of the terms of this User Agreement. You can update your payment information, change your password, pay your remaining balance or submit a payment early. In order to add scheduled property to your policy, please email us with pictures and a description of the item you would like scheduled. O Marketing Estratégico tem um papel importante na manutenção desse equilíbrio ao estabelecer um conjunto de regras e objetivos essenciais que permanecem, ainda que os métodos táticos e operacionais sofram alterações. Você está afinado com o cliente? El objetivo final es desarrollar una estrategia que permita a la empresa conseguir una ventaja competitiva. bb_lang = "pt-BR"; Entretanto, a ausência de um planejamento de longo prazo pode levar os resultados do negócio à estagnação e o posterior decrescimento. You can also contact us via email at customerservice@msimga.com. O sentido da linha do gráfico da crise começa a mudar, de ascendente para descendente, já existem sinais claros de recuperação econômica, mesmo sendo ainda muito tímidos. El marketing estratégico es una metodología de análisis y conocimiento del mercado, con el objetivo de detectar oportunidades que ayuden a la empresa a satisfacer las necesidades de los consumidores de una forma más óptima y eficiente, que el resto de competidores. You will have the option to add a new debit / credit card and/or a new ACH account and update your active payment method. You understand and agree that all information entered and transmitted through this site is the sole responsibility of the person from whom such information originated. Boa noite Ricardo ! Ademais, vale lembrar que existem 8P’s (preço, praça, promoção, palpabilidade, pessoas, produtividade e processo) e essa quantidade varia de acordo com as necessidades de cada negócio. Your wireless carrier and other service providers may collect data about you and their practices are governed by their own privacy policy. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. Logo, o próximo passo é analisar as forças e fraquezas da empresa e nessa etapa; Também, é válido perguntar não só aos envolvidos na administração da empresa mas também aos demais funcionários. No que puder te ajudar, estou a disposição. Em sequência, a análise de mercado tem como objetivo principal obter informações sobre o mercado e o contexto de atuação da empresa. Please refer to your policy for a detailed description of the coverages and limits. How long does it take for an adjuster to contact me about my claim? Put a message here on whether or not we were able to find the user. You may add your checking account to your policy providing you have had no returned payments. You are responsible for any legal, regulatory, or banking penalties and fees that may be assessed for supplying false information. Isso significa que o Marketing e a Administração de Empresas são duas disciplinas que nunca estiveram tão próximas e, por isso, seus termos frequentemente se confundem. We are happy to assist you with a transfer as long as you are moving within the same state. Millennial Specialty Insurance incorporates the full spectrum of modern insurance services into a singular digital platform. Pode me mandar e-mail para: isabel@bel.pro.br, Pingback: Já Pensou em Aumentar Suas Vendas? We restrict access to nonpublic personal information about you to employees and agents who need to know that information to provide products and services to you. In no event will we be liable to any party, whether it be direct, indirect, incidental, special or other damages or otherwise, whether in contract (including fundamental breach) tort (including negligence) or otherwise, for any use of our website. "El marketing es el proceso de: 1) Identificar las necesidades del consumidor, 2) conceptualizar tales necesidades en función de la capacidad de la empresa para producir, 3) comunicar dicha conceptualización a quienes tienen la capacidad de toma de decisiones en la empresa. Concepto de marketing estratégico. Este movimento gera um grande interesse por informações, o que leva a sociedade estar atenta a diversos fatos e meios de divulgação. ***If you have a claim for a Mobile Device plan, please call 877-775-3274 or visit www.protectcell.com. De acuerdo con la información que proporcionaste, tu equipo sería candidado a un descuento especial para el programa Marketing Estratégico que comienza el 13 de marzo del 2023 . You must make this request in writing by contacting us as indicated below. Assim, definindo Marketing Estratégico, que é nosso objetivo, podemos dizer que é a união das ideias de "marketing" e "estratégia" em uma visão de futuro. We will not be liable for any loss or damage to you or any third party arising from your inability or failure for any reason to comply with any of the foregoing obligations. Your information is not sold to other organizations. Promoção: esse “P” é responsável por chamar a atenção do público alvo. Desse modo, é necessário saber. Ou seja, pensamos em Marketing desde a pesquisa, a discussão e a concepção do negócio até o relacionamento com o público, a venda e a fidelização. Please provide First Name, Last Name and one of the following: Email, Phone Number, or Policy Number. Innovate your platform with MSI. Do you offer policies less or greater than a year? visit our websites, call us, or visit our office, your employer, association or business (if you are insured through them), our affiliates or other insurance companies about your transactions with them, consumer reporting agencies, Motor Vehicle Departments, and inspection services, to gather your credit history, driving record, claims history, or value and condition of your property, third parties, including other insurers, brokers and insurance support organizations who you have communicated with about your policy or claim, anti-fraud databases, sanctions lists, court judgments and other databases, government agencies, open electoral register or in the event of a claim, third parties including other parties to the claim witnesses, experts loss adjustors and claim handlers, other third parties who take out a policy with us and are required to provide your data such as when you are named as a beneficiary or where a family member has taken out a policy which requires your personal data. If you have any questions or comments, please contact us via email or phone, or send us a message using the contact form. # 4394-3), 1 Pluckemin Way, Suite 102, Bedminster, NJ 07921, State of Domicile: IL, *Trisura Insurance Company, NAIC # 22225, (C.A. The data we gather can include your social security number, income, transaction data such as account balances and payment history, and data from consumer reports. Legal rights vary by state and may also apply. By "Website", we mean the Internet domain address within which this User Agreement is posted and all features, applications, content, and downloads that are operated by us and that are available through or interact with it, and/or post links to this User Agreement. If you believe you have been charged a fee or payment in error, please contact your agent or visit our contact us page for information on inquiries.
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