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How does BMP Insurance work?

We are appointed with over 420 insurance companies and service providers in California to help you find the best-fit provider for your insurance needs. After you complete our online form, BMP Insurance instantly matches the information you provided with insurance providers offering the lowest rates with the best coverage for your needs. Several factors affect which insurance carriers are matched to you including type of insurance desired, where you live, your driving history, and, if applicable, your current insurance carrier.

What information does BMP Insurance require to get me a quote?

• General Information: Address and contact information, including email address.
• Vehicle Information: Make and model.
• Driver Information: Age.
• Incidents: Accidents, violations and claims in the last 5 years.
• Coverages: Name of current insurance company, policy dates and amount of coverage you wish to purchase.

What happens after I complete the form for an instant quote?

Once you have submitted a quote request, and agent will get right back to you within five minutes if you submit the request Monday-Saturday between 9:00 a.m. PST and 7:00 p.m. PST. They will be able to provide you with a full quote. You will be able to sign your contract via email. If a quote is requested outside of these hours, an agent will call back on the start of the following business day.

Is BMP Insurance an insurance company or agent?

BMP Insurance is both an insurance broker and an insurance agent. We are appointed with almost all of the major insurance companies, and we can offer the lowest rates on the market, but we work for you the client, not the insurance companies. You get the best of both worlds with BMP Insurance.

Does BMP Insurance charge for its service?

BMP Insurance charges a small broker fee for their services. The cost is very minimal, and it allows you access to BMP Insurance's partnerships with all the premier insurance companies. If you were to go to the insurance companies directly, you will pay up to 83% more. BMP Insurance saves every client money.

What if I don't live in the Los Angeles area?

We can provide you with insurance services via email and phone. We utilize an electronic system that is completely secure and compliant with signature controls. There is no download necessary, it's as easy as replying to an email message.

What is Liability coverage?

Liability coverage offers protection for bodily injury or property damage for which the insured driver is deemed responsible. California requires its drivers to carry minimum liability coverage of 15/30/5. This means that the insurance company will pay up to $30,000 for all people injured in an accident, not exceeding $15,000 on any one person and $5,000 for property damage.

What is Collision and Comprehensive coverage?

Collision coverage covers the cost of repairing your vehicle in the event of any kind of accident, whether it's with another car or an object, such as a utility pole or fire hydrant. Comprehensive insurance covers damage or loss of your vehicle in the event of theft, natural disaster or any other damage to your vehicle not caused by a collision.

What is Personal Injury Protection (PIP) and Medical coverage?

PIP and Medical coverage pays for both medical expenses and lost wages to the policyholder and any passengers injured in the vehicle in the event of an accident. People with good medical and disability policies may not need to maximize PIP coverage and may be advised to elect only the lowest limit of PIP coverage required by their state. Some states, such as New Jersey, allow drivers to reject PIP entirely.

What is Uninsured or Underinsured driver coverage?

Underinsured coverage, also known as UM/UIM, provides coverage if an at-fault party either does not have insurance, or does not have enough insurance. In effect, the insurance company pays the insured medical bills, then would subrogate from the at fault party. This coverage is often overlooked and very important. In some areas, it is estimated that 1 out of every 3 drivers doesn't carry insurance. Unfortunately, this number goes up significantly during recessions. Currently, 21 states require UM/UIM coverage, and usually UM/UIM limits required match the liability limits. Even in states that do not require UM/UIM coverage, insurance carriers are often required to issue you such coverage unless you explicitly reject it in writing.

What is Gap coverage?

Gap coverage for a new vehicle pays the difference between the actual cash value of the vehicle and the amount left on your car loan if your vehicle is totaled. Due to the sharp decline in the value of a car immediately after purchase, there is generally a period in which the amount owed on the car loan exceeds the value of the vehicle, which is called "upside-down" or negative equity. Thus, if the vehicle is damaged beyond economical repair at this point, the owner will still owe potentially thousands of dollars on the loan more than the reimbursable value of the car. Gap insurance does not always pay off the full loan value however. These cases include but are not limited to:

• Any unpaid delinquent payments due at the time of loss
• Payment deferrals or extensions (commonly called skips or skip a payment)
• Refinancing of the vehicle loan after the policy was purchased
• Late fees or other administrative fees assessed after loan commencement

Therefore, it is important for consumers to understand that they may still owe on the loan even though the Gap insurance policy was purchased.

What is Rental Reimbursement coverage?

Rental reimbursement pays for a rental car when your vehicle is damaged or stolen. It Is also reimbursement for car rental expenses if the primary vehicle on the policy is in the shop due to an accident.

Does BMP Insurance offer Roadside Assistance?

BMP Insurance offers the most comprehensive Roadside Assistance Concierge services. It can be added to any policy serviced by BMP Insurance.

What is "no fault" auto insurance?

The term "no-fault" auto insurance is used to denote any state's auto insurance program that allows policyholders to recover financial losses from their own insurance company, regardless of who was at fault for the incident. No-fault insurance has the goal of lowering premium costs by avoiding expensive litigation over the causes of accidents, while providing quick payments for injuries. The victim's insurance company would pay out the victim's claim, while the driver-at-fault's insurance company would pay out the at fault party's claim and charge that party a higher insurance premium as they are now higher risk. While this may disadvantage the victim's insurance company, accidents happen between drivers of both insurance companies with an equal chance of drivers from both sides being at fault, so this in theory should even out. This doesn't mean motorists cannot sue each other in no-fault states. What it means is that there's a higher threshold that injured motorists have to reach before they can sue—the injury must be either quite severe or quite costly. In some states that threshold is in the form of a dollar amount. Below are the states with no-fault insurance laws:

• Florida
• Hawaii
• Kansas
• Kentucky
• Massachusetts
• Michigan
• Minnesota
• New Jersey
• New York
• North Dakota
• Pennsylvania
• Utah

What is pay-as-you-drive auto insurance?

Pay-as-you-drive auto insurance offers a cost-effective alternative to traditional monthly premium-based auto insurance by allowing drivers to pay for coverage based on the number of miles they drive. Quite simply, the less you drive, the more you save vs. a standard policy. You have to report you odometer readings or have a GPS or wireless monitoring system installed in you car to participate.

The good news is that pay-as-you-drive programs save typical drivers up to $300 per year in premiums because it encourages drivers to drive less (and carpool more) – often by 10 percent to 15 percent. So if you don't drive a lot or plan on cutting down the amount of driving you do, then pay-as-you-drive policies might be a great alternative to save money.

What is an SR-22 filing?

An SR-22 may be required when insuring a driver with a record as a previously uninsured motorist, DUI or DWI, license suspension or other major driving violations. It is a certificate that proves you have auto insurance based upon the financial responsibility laws of California. An SR-22 is provided by your insurance company to the DMV.

What is uninsured motorist?

An auto policy option which covers one for property damage and bodily injury caused by another driver who does not have insurance. In the state of California, you are required to get uninsured motorists information if you are involved in an accident with someone who doesn't have insurance. This is not to be confused with a hit and run.

Does my auto insurance policy cover me for rental cars?

It depends on the insurance carrier BMP Insurance places you with. Generally, your liability limits transfer to the rental vehicle. Some companies do not extend their coverage to rental vehicles.

How quickly do I need to report a new car purchase?

Ideally, you should report it to BMP Insurance the same day, however, you need to report it to BMP Insurance within four days.

Do I need to pay my deductible if the other driver was at fault?

No. If you are not at fault, you can file your claim with the at-fault party's insurance company and you won't pay your deductible.

What happens if I am hit by someone driving without auto insurance?

It depends on what type of coverage you have. If you have uninsured/underinsured motorist coverage, this is exactly the type of situation that this coverage is meant for. Up to 16% of drivers are driving without insurance – so it's prudent to carry uninsured/underinsured motorist coverage as part of your car insurance policy, even if your state doesn't require this.

If you don't have uninsured/underinsured motorist coverage, it gets a bit more complex.

If you live in a state with no-fault auto insurance, you have to file a claim for your medical expenses with your own car insurance company regardless of who is to blame for an accident. In this case you would file a claim on your medical payments or personal injury protection (PIP) coverage, which pays for the treatment of injuries you and the passengers of your car suffer. PIP also covers lost wages.

To pay for repairs to your vehicle, you can file for a claim on your collision coverage. Collision coverage pays for damage to your vehicle from a collision with another car or object or as a result of flipping over. You'll still need to pay the deductible if you file a claim on collision coverage (even though you weren't at fault), but your insurance company may try to recoup the costs, including a refund of the deductible, from the at-fault driver.

If you have no collision coverage, you may have to resort to suing the uninsured or underinsured driver who was at fault. However, the likelihood of being able to recover your costs from such drivers are low since they probably don't have a lot of money to be able to pay for your claim.

Can I get auto insurance if I don't own the cars I drive?

Yes. You can buy something called a non-owners car insurance policy. As its name implies, this is designed for people who don't own cars. However, you can't get quotes for this type of insurance online. You'll need to work directly with an insurance agent.

Non-owners car insurance is a good idea if you frequently rent vehicles or borrow cars from friends and relatives. When you borrow a vehicle from a friend, their insurance policy would cover the car. However, your assets are still at risk in that situation. Why? If your friend's liability limits were low and you caused a bad accident with expensive damage and injuries, then other injured parties could come after your personal assets, such as your home, to recover expenses that went beyond your friend's liability limits.

If you frequently do business with rental car companies, you can buy insurance each time you rent a vehicle, but it might be more cost-effective to buy your own non-owners policy.

The purpose of a non-owners policy is liability protection. Comprehensive, collision, towing reimbursement, rental reimbursement and other optional types of coverage are not usually available for these types of policies. Generally there are no deductibles, unless your state requires uninsured/underinsured property-damage coverage.

What is someone else driving my car gets into an accident?

Your car insurance policy insures your vehicle plus "you, any relative, and anyone else using your car if the use is (or reasonably believed to be) with your permission." But, loaning a car to an uninsured friend is never a good idea. If your uninsured friend caused a terrible accident and the damages and injuries exceeded your insurance liability limits, other drivers could then sue you for property damage and medical expenses.

If I'm driving someone else's car, am I covered by my policy?

The car owner's liability and collision policies should cover any damages resulting from any such accidents. The only exception is if you live in the same house as the other person and are directly related. If so, the car owner's insurer likely requires you to be listed on the policy in order to provide coverage. Check with your insurance company to find out more.

If you cause an accident that results in damages and injuries that exceed you're the car owner's liability limits, however, and you have your own car insurance - you and the car owner's insurance companies may share the costs in what's known as a "pro rata" case. His insurance would likely pay the full cost of the accident, and then go to your insurance company to get your share of the costs. If you don't have your own insurance, then the car owner will be on the hook for any amounts exceeding his or her coverage, so, it's always advisable to have your own insurance policy to cover you even when you are driving someone else's car.

Am I covered if my car is stolen or vandalized?

This type of damage or loss is exactly what Comprehensive coverage covers.

If your car is stolen, comprehensive coverage covers the actual cash value of a stolen vehicle after you pay your deductible. So let's say you have comprehensive coverage with a $500 deductible and you leave work one evening to find that your car was stolen. You have a vehicle that, after depreciation and wear and tear, is worth $12,000. After paying your $500 deductible, your insurance company then will give you a check for the remaining $11,500.

What about items stolen from inside your car? Most policies cover only items that are part of the car and that are permanently attached, such as sound systems (except when the entire system can be removed) and rims. Things not permanently attached to your vehicle, such as purses, wallets, laptops and cell phones, usually are covered by home or renter's insurance policies.

What happens if my car is totaled?

Your insurance company will declare your car a "total loss" if the cost of repairing it would be more than just giving you enough money to cover its cash value and then selling it to a salvage yard. Upon major damage to your car, your insurance company will assess your vehicle's actual cash value, using sources like Kelley Blue Book or its own database. This value then will be adjusted based on your car's condition before the accident; if your vehicle was dented, warped, rusty and leaking before the crash, its value will be lower. Other factors contributing to your vehicle's value include mileage, customizations and enhancements.

Once your insurance company has figured out what your car is worth, it will subtract other costs, like the estimated repair costs and the salvage value of the vehicle. If the actual cash value exceeds your repair and salvage costs, the vehicle won't be considered totaled. But if it does, then you'll have a total loss on your hands, and the insurance company will write you a check for the actual cash value of the car minus your deductible and other fees. If you lease the vehicle, the insurer will pay that same amount to the leaseholder. If you finance, the financing company gets the money first; if that amount is more that what you owe, you'll get the balance.

Can the state of California figure out if I'm driving without insurance?

Yes, if you have an insurance policy and it cancels due to non-payment of any other reason, the insurance company immediately electronically notifies the DMV. Also, if you are pulled over and you don't have insurance then it can result in fines of up to $500 plus impounding of the vehicle and suspension of the person's driver's license.

How do I add my dependents to my auto insurance policy?

To add a driver to your policy, simply fill out the form on the Current Clients tab that is called "Add a driver to my policy".

Am I covered if I drive my car to another state?

Yes, your insurance is still valid when visiting other states. However, if you move out of California, you will need to get a new insurance policy through an agency that is licensed by that state.

Am I covered if I drive my car to Canada or Mexico?

For Mexico, typically neither U.S. liability insurance nor comprehensive coverage is valid in Mexico. You can buy Mexican auto insurance in most cities and towns on both sides of the border. Canada, on the other hand, does not require you to purchase a separate policy. Most major insurers will cover you throughout all Canadian provinces and territories. In addition to your standard proof of insurance, you may need a Canadian insurance card that you can get from your insurance company in advance of your trip.

What happens if my son or daughter is taking a car to college?

If you child owns the car, then the insurance policy must be in the child's name as well. If the child is borrowing a car from you to take to college, the child must be listed on the insurance policy as a dependent. Some insurance companies may require the child to be listed as the primary operator, since the car is in the child's possession and not the parents'. You will not need to get separate coverage in a new state if your child is attending an out-of-state school.

How much auto insurance coverage do I need in California?

When it comes to auto insurance, more is less: the more coverage you have, the less it will cost you if you get in an accident. California requires that you carry only a minimum level of liability auto insurance coverage. California liability requirements are as follows: $15,000 bodily injury per person, $30,000 for bodily injury per accident and $5,000 for property damage.

How much auto insurance is required by my state?

The amount of coverage required (a fixed dollar amount) vary from state to state. These requirements are typically listed as a series of three numbers that define how much, in thousands of dollars, the policy will cover in the event of an accident. For example, California requires its drivers to carry minimum liability coverage of 15/30/5. This means that the insurance company will pay up to $30,000 for all people injured in an accident, not exceeding $15,000 on any one person and $5,000 for property damage.

Should I get Comprehensive or Collision Coverage?

It is advisable for most people. The only situation when you might want to consider not getting such coverage is if the value of the car you are insuring is quite low – i.e., when fixing the car will often cost more than the car itself.

What are liability limits?

Liability limits refer to the amount of money the insurance carrier will pay out to other parties on your behalf. There are two portions: bodily injury liability and property damage liability. The format for liability limits is a series of 3 numbers like 15/30/5 or 100/300/50. This means up to $15,000 per person in bodily injury, up to $30,000 per accident in bodily injury, and $5,000 for any property damage you may have caused. The state of California requires that any insurance policy you carry must have at least $15,000 per person and $30,000 per accident for injuries you may cause to others in an accident and $5,000 for property damage you may cause to another party. Liability limits are the portion of a policy that pays to someone else in the event that you are at fault.

What liability limits are right for me?

There are many liability limits available. You always need to decide what is right for you but BMP Insurance can provide recommendations based on your situation. A general comparison is a homeowner and/or business owner needing to carry much higher limits for the purpose of protecting his/her liquid assets as opposed to someone who is 19 years old and just out of high school with no assets to his/her name. One thing to watch out for is insurance agents that get paid to sell you higher coverage. Since they are incentivized to sell higher coverage they can end up selling fear and worst case situations to a lot of people they talk to. It is important to find the right coverage that is appropriately suited for you.

What types of claims will raise my auto insurance premiums?

Not every claim will result in higher premiums. In most cases, small claims filed under your comprehensive coverage will not result in higher premiums. (Replacing a windshield or repairing damages caused by vandals, for example.)
 However, claims in which you were at fault in some way may result in a higher premium.

What kind of cars are the most (and least) expensive to insure?

In general, the more expensive the car, the more it costs to insure it. This is because any claims you file on an expensive vehicle will cost your insurer more than average, and it has to pass on that expense to its customers. In addition, more expensive cars are also more likely to be stolen, so your insurer also takes on higher-than-average risk insuring them for this reason. Larger cars are sometimes associated with lower rates since they tend to be safer in collisions. Then, lower-priced sedans normally cost less to repair and to replace, which leads to somewhat lower rates for their owners as well.

Sportier cars, or those that attract a lot of young people, also tend to cost more than average to insure. Young drivers tend to drive faster and take more risks than the average person, so buying a car that attracts that type of person will also cost you more than average.

What factors determine my auto insurance rates?

All insurance companies use different factors to determine your insurance rates. The major factors that insurance companies take into account are listed below:

• Demographic factors such as age, sex and marital status
• Driving record and record of prior claims
• Car make and model
• Use of your car (commute vs. leisure; annual mileage)
• Geography

Insurance companies base their rates levels on years of statistical research, taking into account recent changes as well. For example, according to statistical data, single males under 25 years of age belong to the highest risk group. The lowest risk group comprises married, middle-aged, non-smoking females.

How important is my credit score to my insurance rate?

In states where it's allowed, most insurers collect information from consumer reporting agencies about your driving record, claims experience and credit history in order to offer you a rate that matches your experience. Research shows that drivers with better insurance scores have fewer losses, so their rates are lower. But, keep in mind that this is only one of more than 50 variables that are considered by companies when offering you a quote.

How can I lower my insurance rate?

You can increase your deductible, the dollar amount you pay before the insurance company starts paying your claim and/or reduce the limits of your liability coverage. By doing this, you run risk of a large loss, these changes will result in rates reductions. You can also have your policy reshopped at any time by a BMP Insurance agent to see if we can find you the same coverage for a lower rate.

What if I miss an insurance payment?

If you miss an insurance payment, you should call BMP Insurance and speak with a Client Services Associate. If you fail to pay your premium on time, your insurance company has the right to cancel the policy, but this is only after sufficient notice has been given to you. Some companies may send an overdue notice, asking you to pay the past-due premium plus a late fee. Other companies may send a cancellation notice, stating that if payment is received prior to the effective cancellation date, your coverage will be considered "reinstated" and will remain in-force. If you are sent a notice of cancellation, it will inform you of the date and time the cancellation will take effect.

Can I pause my insurance coverage if I won't be driving my car for a few months?

No. You will have to cancel your policy and then you will have to get a new one once you are ready to use your vehicle again. In some instances, you can pay a fee to have the policy reinstated.

What can you do if you're denied car insurance?

The great thing about working with BMP Insurance is that we can get anyone insured, no matter what your situation is. Since we work with so many insurance providers, we know the ins and the outs of each company, and we know which company will be able to extend coverage to you.

Privacy Policy

This notice describes our privacy policy ("Notice"). By visiting our Web Site ("Web Site"), you are accepting the practices described in this Notice.

ARTICLE I– PRINCIPLES:

Section 1.01 -- Principles: We may gather and use information as follows:

(1) Notice: We may gather and use information as follows:

(a) Volunteered Information: We will receive and  store any information you enter on the Web Site or give us in any other way that personally identifies you to improve your experience at the Web Site, to get a better general understanding of the type of individuals visiting the Web Site, and to enable us to contact you when needed.  Typically you will provide information on the Web Site for the purchase of products or services or when you  submit comments or questions for review by us.

(b) Automatic Information: To enable us to provide content that users need and desire, we collect aggregated site-visitation statistics using cookies. A Cookie is simply a small data file we place on your computer's hard drive when you first visit the Web Site ("Cookie"). This file contains a unique number that helps us identify you when you return to the Web Site. Cookies are employed by thousands of web sites to enhance users' web viewing experience. Cookies can neither damage user files nor can they read information from users' hard drives. We combine all usage information provided by such Cookies and we do not monitor your use of the Web Site. Allowing us to create a Cookie on your hard drive will not give us or any other site access to the rest of your computer's hard drive, and only we will be able to read the Cookie that the Web Site creates.

(c) Information Use: We use information for personal identification; to get a better general understanding of the type of individuals visiting the Web Site; to respond to your requests for purchases, comments, or questions; to improve your experience at the Web Site; to collect aggregated site-visitation statistics; and to alert you to product enhancements, special offers, updated information, and other new services from us. We also use information to alert you of subscription renewal discounts, to automatically renew your subscription and advise you of upcoming service offerings and events.

We may disclose information to third parties, including selling or disclosing customer lists to commercial or charitable users thereof. Disclosure for such purposes is limited to your name, company, position, address, phone and fax numbers, and web site and email addresses. If you do not wish to have such information disclosed, please let us know by contacting us . To enable us to process your request, please include your name and address. Once properly notified, we will remove your name from the lists and disclosures as soon as we practicably can in the course of normal business practices.

When you order products or services from us, we ask for your credit card number and billing address. We use this information only to bill you for the products or services you order at that time and for no other purpose. Annual subscriptions are payable on the purchase date of the Subscription and renew automatically each anniversary unless canceled in writing thirty days in advance of each anniversary date.

Any user questions or comments submitted to us may become available in the public sections of the Web Site, including a section entitled "Frequently Asked Questions," immediately after such questions or comments are submitted to us. If we publicize any user questions, such questions will not contain facts that identify the user or the specific parties involved. We also reserve the right to use any user comments submitted to us for promotional purposes and by submitting such comments to us you agree that we may do so.

We may release any user information if required to comply with law; to enforce or to apply the Web Site Terms and Conditions; or under the good faith belief that disclosure is otherwise necessary or advisable including, without limitation, to protect the rights, properties, or safety of us or our users.

(2) Choice: We give you a choice as to the type and amount of private information we have, as follows:

(a) Volunteered Information: You can always choose not to provide certain information to us. If you choose not to provide personal information, you can still use many parts of the Web Site. However, you will not be able to purchase products and services and you will not be able to take advantage of many of our features. If you have previously provided certain information to us and you desire to remove such information from our databases, or if you do not wish for your information to be disclosed to third parties, you may contact us to remove such information.

(b) Automatic Information: Most web browsers automatically accept Cookies, but if you prefer, you can edit your browser options to block Cookies in the future. The "Help" portion of the toolbar on most browsers will explain how you can prevent your browser from accepting new Cookies, how to set the browser to inform you when you receive a new Cookie, or how to reject Cookies altogether.

(3) Access: We provide you with the ability to ensure that your personal information is correct and current. You may review and update your personal information by contacting us. For security purposes, we require user verification via user's user name and password to receive personal information.

(4) Security: We protect the security of your personal information. We takes steps to protect your data from loss, misuse, alteration, destruction, or unauthorized access. We use sophisticated security technologies to secure users' ordering information, user name, and password. We encrypt users' ordering information, user name, and password (including users' credit card account number) using Secure Socket Layer ("SSL") technology. SSL is a proven coding system that lets your browser automatically encrypt, or scramble, data before you send it to us. To support this technology, users must have an SSL-capable browser. SSL is one of the safest encryption technologies available. While we use such sophisticated security technology to secure users' ordering information, user name, and password, we cannot guarantee that any electronic commerce is totally secure.

Section 2.01 -- User Safeguards: You are responsible for maintaining the secrecy of your user name, password, and any account information. It is important for you to be responsible and protect your user name, password, and computer against unauthorized users. It is important to sign off when you have completed using a computer accessible by others.

Section 3.01 -- Children: We do not sell products for children. Users of the Web Site must be at least eighteen years old. If a child has provided us with personal information, that child's parent or guardian should contact us  to delete such information from our records.

Section 4.01 -- Third Party Web Sites: Please be aware that the Web Site may have links to third party web sites that may collect personally identifiable information about you. When you click on one of these third party links, you are entering another web site for which we have no responsibility. This Notice does not cover the information practices or policies of such third party web sites. We encourage you to read the privacy statements of all such web sites since their privacy policies may be materially different from our Notice.

Section 5.01 -- Agreement and Modification: By using and accessing the Web Site you indicate that you have read and understand this Notice and you consent to the collection and use of information by us in the manner explained in this Notice. This Notice and the Web Site Terms and Conditions, including without limitation, provisions covering limitations on damages, arbitration of disputes, and the application of Texas law govern any dispute over privacy. By using and accessing the Web Site you agree to indemnify us for any and all third party claims resulting from your breach of this Notice or the Web Site Terms and Conditions. If you have any questions or concerns about your privacy at the Web Site, please contact us. If you do not accept this Notice, do not access and use the Web Site. We may revise this Notice at any time without notice by updating this Notice. Any modifications in the way we use personal information will be provided in future updates of this Notice so you are always aware of what information we collect, how we use it, and under what circumstances we disclose such information. Modifications will be effective immediately and will be available on the Web Site. You should visit this web page periodically to review the Notice. User accepts any such modifications to this Notice by continued use of the Web Site after such modifications are made.