The Company websites contain information regarding the Company and its services. The services described in this site are available only in those states and territories of the U.S. specifically referred to within the description of each such program.
Website Usage & Log Files
If you visit Company’s websites, we may gather and store certain information about your visit. The information that we collect does not personally identify you and cannot be linked back to you unless you decide at some point to identify yourself. If you are browsing, we may collect the following information: the type of browser and operating system used, the IP address, the date and time you access our site, the number of times you have accessed our site, whether your computer is enabled for Java or cookies, browser language, application and plug-ins, the pages you visit and if you linked to a Company website from another website, and the address of that website. We use this information to generate statistics and measure site activity to better provide you with a smooth and efficient experience in using our website.
Categories of Parties with Whom We May Disclose Information
The information we collect through this website and from other sources is used to provide information for insurance coverage through Company’s insurance carriers and to provide other products and services to our brokers. We may share information with our contracting insurance carriers during the underwriting process, as well as affiliated businesses as necessary, to provide services through such companies. The information we receive is a significant part of our business and one of our primary assets. In the future, we might buy, sell, exchange, assign, or trade business assets, which may include this information. Also, in the event that Company is, or substantially all of its assets are acquired, customer information may be one of the transferred assets. We may also release personally identifiable information when we believe that the release of such information is required by law or is necessary to protect the rights, property, or safety of Company, or others.
Use of Browser Based Cookies
Collection of Personally Identifiable Information to Provide a Service or Correspondence
Company will receive and store information which may be personally identifiable to you (such as name, address, e-mail address, gender, age, type of request, and possibly additional information) whenever you and/or your affiliate provides this information to us through this website. We may also obtain information about you from third parties. We may obtain information about employers and their employees through a participating insurance broker. This can occur when the employer requests a quotation for health insurance coverage. In order to obtain a quotation from Company, the broker will obtain information regarding the employer’s business and employees. This information is provided to us in order to obtain a quote. We may also receive the aforementioned information regarding employers and employees when a broker uses our online account management functionality. This personal information is collected and stored in a manner appropriate to the nature of the data, and may be passed on to our affiliates. Once our affiliates, receive this information, that data also becomes the property of each respective affiliate. Any request to opt out of future communications from such affiliates must be made directly to each such party.
Transmission of Information & Security
Even though we endeavor to ensure that all available procedural safeguards are integrated into our website and we adhere to the generally accepted standards of security for the purpose of protecting information provided by visitors to this website, transmission of information through our website has the potential of being unstable, unreliable and insecure. Company makes every effort to ensure the secure collection and transmission of sensitive user information using industry-accepted data collection and encryption methodologies such as TLS (Transport Layer Security), SSL (Secure Socket Layer) and PGP (Pretty Good Privacy); however, there is a risk that such information may be illegally intercepted. Additionally, the servers that store personally identifiable information are kept in a secure environment in a locked room. Only employees who need the information to perform a specific job are granted access to this information. Our employees are required to use password-protected screen-savers and must re-enter their password to re-gain access to your information when they return after leaving their desks. Employees are kept up-to-date on our security and privacy practices.
You are required to have a username and password to access certain areas of the Website. You are responsible for maintaining the confidentiality of your username and password and are responsible for all uses of them, regardless of whether the uses were authorized by you. Company prohibits the transfer or sharing of usernames and passwords. You agree to immediately notify Company of any unauthorized use of your username or password or any other breach of security or privacy.
Children’s Online Privacy Protection
This website is not designed for or intentionally targeted at children 13 years of age or younger. The Company websites comply with the Children’s Online Privacy Protection Act of 1998 (COPPA). COPPA and its accompanying FTC regulation protect the privacy of children using the Internet. Company does not knowingly collect or solicit personally identifiable information from children under 13. The Company websites are not intended to solicit information of any kind from children under 13, and is designed to block our knowing acceptance of any such information unless such information is provided by or with the consent of the child’s parents or guardians. It is possible that by fraud or deception we may receive information pertaining to children under 13. If we are notified of this, as soon as we verify the information, we will immediately obtain parental consent or otherwise delete the information from our servers. If you want to notify us of our receipt of information by children under 13, please do so by emailing us at firstname.lastname@example.org.
Your California Privacy Rights (California Residents)
California Civil Code Section 1798.83 permits our users who are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. Users may request this information by contacting the Company by email at email@example.com. We currently do not share any personal information with third parties for their own direct marketing purposes.
California Consumer Privacy Act of 2018
You have the legal right to request the personal information that the Company maintains about you, broken down by category, and an explanation of the purpose of maintaining that personal information. You may request that personal information from the Company up to two times during any 12-month period by contacting the Company at (925) 395-4566 or by email at firstname.lastname@example.org. Upon receipt of a verified request for personal information, the Company will provide you with the personal information that it maintains on an individual and the purpose for maintaining that personal information. This information will be provided free of charge. Further, you have the right to request the deletion of any personal information you would like deleted.
You are afforded the right to opt-out of the sale of your personal information. Upon receipt of an opt-out request, the Company will document your opt-out request and will refrain from any future sale of your personal information. The Company will not discriminate against you in any way for requesting information or for opting-out of the sale of your personal information.
California Business and Professions Code Section 22575
Aggregated Quoting Data
The Company may share information with authorized partners regarding “Aggregated Quoting Activity” that takes place on our websites (defined as all quoting activity including any information relating thereto except for group level data).
Broker Broadcast Newsletters & Promotional Emails
From time-to-time, we may offer free e-newsletters and occasionally send out promotional e-mails as a service to our visitors. We send e-mails only if the user has opted to receive communications from Company through its websites or its affiliates.
The Company websites may in the future include chat rooms, forums, message boards, news groups and/or links to social networking sites. If so, Company shall be deemed as a passive conduit and will not be liable for any of the transmitted information. Any information that is disclosed in these areas becomes public information. You should exercise caution before disclosing your personal information via these public venues, which you do at your own risk. If you do so, you may receive unsolicited emails or “spam.” Company cannot safeguard the privacy of personally identifiable information that is disclosed and can be viewed or accessed online in this manner.
Contacting the Company
Current: August 8, 2019
What personal information is collected through this website and how is it used?
User-supplied information: If you fill out the “contact” form on this website, we will ask you to provide some personal information (such as e-mail address, name, and phone number). Further, if chat is available through this site, you may be asked to provide information if you participate in an online chat. Please do not submit any confidential, proprietary or sensitive personally identifiable information (e.g. Social Security Number; date of birth; drivers license number; or credit card, bank account or other financial information) (collectively, “Sensitive Information”). If you submit any Sensitive Information, you do so at your own risk and we will not be liable to you or responsible for consequences of your submission.
Information that you provide to us through the contact form or an online chat will be used so that we may respond to your inquiry. We may also use information you provide to us to communicate with you in the future. If you do not wish to receive such communications, you may opt out (unsubscribe) as described below.
Web server logs: When you visit our website, we may track information about your visit and store that information in web server logs, which are records of the activities on our sites. The servers automatically capture and save the information electronically. Examples of the information we may collect include:
- your unique Internet protocol address;
- the name of your unique Internet service provider;
- the town/city, county/state and country from which you access our website;
- the kind of browser or computer you use;
- the number of links you click within the site;
- the date and time of your visit;
- the web page from which you arrived to our site;
- the pages you viewed on the site; and
- certain searches/queries that you conducted via our website(s).
The information we collect in web server logs helps us administer the site, analyze its usage, protect the website and its content from inappropriate use and improve the user’s experience.
Third-party Services: We may use services hosted by third parties to assist in providing our services and to help us understand the use of our site by our visitors. These services may collect information sent by your browser as part of a web page request, including your IP address or cookies. If these third-party services collect information, they do so anonymously and in the aggregate to provide information helpful to us such as website trends, without identifying individual visitors.
California Do Not Track: Our web services do not alter, change, or respond upon receiving Do Not Track (DNT) requests or signals in browsers. As described in more detail above, we track user activity using web server logs, cookies and similar technologies. Information collected in web server logs helps us analyze website usage and improve the user’s experience. Cookies allow us to offer you a customized experience and present relevant advertising to you.
How is personal information protected?
We take certain appropriate security measures to help protect your personal information from accidental loss and from unauthorized access, use or disclosure. However, we cannot guarantee that unauthorized persons will always be unable to defeat our security measures.
Who has access to the information?
We will not sell, rent, or lease mailing lists or other user data to others, and we will not make your personal information available to any unaffiliated parties, except as follows:
- to agents, website vendors and/or contractors who may use it on our behalf or in connection with their relationship with us;
- if we are unable to assist with your matter, but know an unaffiliated attorney or firm that may be able to help you, we may refer you and share information you provided us with that party; and
- as required by law, in a matter of public safety or policy, as needed in connection with the transfer of our business assets (for example, if we are acquired by another firm or if we are liquidated during bankruptcy proceedings), or if we believe in good faith that sharing the data is necessary to protect our rights or property.
How can I correct, amend or delete my personal information and/or opt out of future communications?
You may opt out of any future contacts from us at any time. Contact us via the phone number, contact form or mailing address on our website at any time to:see what data we have about you, if any; change/correct any data we have about you; ask us to delete any data we have about you; and/or opt out of future communications from us.