Privacy Policy

We developed this privacy policy to help you understand how this Website collects, uses, and discloses personally identifiable information gathered from and about you.  The privacy of your personal information is important to us.  We understand that you may be concerned about what we will do with such information, particularly any personal or financial information. We agree that you have the right to know how we will utilize this information.

Applicability

This Privacy Policy governs our use of the information that you provide to us. It does not govern the manner in which we may use information we have obtained from any other source, such as information obtained from a public record or from another person or entity.

Consent

By using any portion of this Website you acknowledge that you have read and understand this Privacy Policy and that you consent to the Personal Information collection, use, and disclosure practices explained below.

Personal Information Collection

We collect Personal Information through:

  • Information we receive on applications, forms, and other communications whether in writing, in person, by telephone or by any other means;
  • Information we receive while processing and verifying the information provided to us;
  • Information we receive from affiliates, insurers, other intermediaries, and others;
  • Information we receive from consumer reporting agencies;
  • Information available from external sources (i.e. publicly available records).

Personal Information Use and Disclosure

We may use the Personal Information referenced above to complete the requested transactions, products and services, inform you about additional products and services that may be of interest to you, and perform related functions.  We may also disclose such Personal Information to affiliates and nonaffiliated third parties as described below.

Necessary Disclosures of Personal Information

We may disclose Personal Information to affiliated and nonaffiliated third parties: (1) as necessary to process or service requested or authorized transactions, such as to secure quotations for insurance, obtain insurance coverage, or report or process claims, and/or (2) that perform services on our behalf or to other institutions, including insurance companies with whom we have joint marketing arrangements.  In addition, we may disclose Personal Information as otherwise permitted or required by law, or pursuant to a subpoena or other request by government officials.  We may also share Personal Information in other circumstances as described below.

Our practices regarding information confidentiality and security:

We restrict access to your nonpublic personal information to those employees of our affiliates and ours who need to know that information in order to provide products or services to our Clients. We have physical, electronic, and procedural safeguards in place to guard all nonpublic personal information.

Former customers

We will treat Personal Information about former customers in accordance with the policies described in this Privacy Policy.

Use of Cookies

Cookies are pieces of information that our web server assigns to you when you visit our website. Cookies are used in a few areas of our site. They are not used for collecting, storing or tracking personal information from our customers. These cookies eliminate the need for redundant entry by simply carrying forward information that you submitted on one screen to the next. These cookies do not gather any other personal information from you or your computer. You have a choice whether to accept the cookie or not, however, if you reject the cookie or if cookies are disabled on your web browser, some parts of the website may not function properly.

Linking to Other Sites

This Website may contain links to other sites on the World Wide Web.  Protection of your privacy from that point forward will be governed by the privacy policy of that site, and we cannot be held responsible for the privacy practices used by the other web sites.  Please take the time to read the privacy policy at those sites.  Links to outside sites does not constitute or imply endorsement by us of the linked site or any material displayed on those sites.

Internet Protocol (“IP”) addresses.

IP addresses are unique numeric identifiers assigned to your computer each time you access the Internet.  IP addresses contain no personally identifiable information and often change each time you access the Internet. This Website uses IP addresses to track visitors as they navigate through the Website. This tracking allows us to diagnose problem on the Website, track usage patterns and volume, and otherwise to administer and improve the Website.

Children Under Age 13

This Website is not directed to children under the age of 13 and we will not knowingly collect personally identifiable information from children under age 13.  If you are under the age of 13, please do not use this Website.

Changes to this Policy

We reserve the right to change this Privacy Policy from time to time at our sole discretion.  If this Privacy Policy changes, the revised policy will be posted at the “Privacy Policy” link on this Website’s homepage.  In addition, this Website will post the date of the latest material changes to this Privacy Policy on the homepage. If the date displayed is later in time than your last visit, you must re-read this Privacy Policy.  Your continued use of this Website after the date of the last revision indicates your acceptance of the changes.

This Privacy Policy was last revised on August 1, 2016.