Effective Date: August 1, 2020
Last Reviewed: July 1, 2020
Information or data about you or that can be used to identify you, such , but not limited to, your name, address(es), zip code, telephone number(s), fax number, e-mail address(es), area of practice or degree (if applicable), education or other information or data, may be referred to below as personal information (“Personal Information” or “PI”).
What Personal Information do we collect when you visit our Website?
Through our Website, The Company collects information from you when you voluntarily choose to disclose such information to us, directly or indirectly through a representative. For example, you may disclose Personal Information to us when you submit information electronically or when you sign up for newsletters, alerts, whitepapers, insights and other marketing communications, or when you sign up to attend an event, webinar or program in person or online. Additionally, you may also voluntarily share PI with us when providing information about a Claim or potential Claim, apply for employment, or register to use any password-protected portions of our Website.
We may also collect Personal Information when you apply for a position through a recruiter or the Website. This information could include, among other things, educational background, writing sample, current and prior employment, qualification details, professional licenses, references, national ID number or work permits to work in the jurisdictions for which you applied, and photo.
We do not direct our Website to children or individuals under eighteen (18) years of age. Individuals under eighteen (18) should consult with their parent or guardian about the use of this Website.
We collect information from you when you visit or register on our Website, apply for insurance, subscribe to a newsletter, fill out a form, apply for a position or enter information on our Website.
How do we use your Personal Information?
The Company may use your Personal Information for any of the following purposes:
- Providing products or services requested;
- Servicing your account;
- Improving our services, Website or products;
- Communicating with you, your agent or a representative;
- Developing new products or services;
- Providing insurance quotes;
- Developing and/or informing you of additional products, information, materials and/or services that may be of interest;
- Conducting research and analyze the use of our services, products and Website; and
- Other purposes as deemed necessary by The Company.
Information may depend on the product or service. The Company may request Personal Information and may collect other Personal Information through comments, feedback, participation in surveys or other requests for information.
Further information may be required during the application, underwriting and claims process. That information may include, without limitation, the following: claims history, loss history, criminal history, underwriting information, credit card numbers, bank account information, date of birth, National Provider Identifier (“NPI”) and social security .
How do we protect visitor information?
- We do not use vulnerability scanning and/or scanning to PCI standards.
- We use regular Malware Scanning.
Your Personal Information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.
We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your Personal Information.
All transactions are processed through a gateway provider and are not stored or processed on our servers.
Do we use ‘cookies’?
- Understand and save user’s preferences for future visits.
- Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third party services that track this information on our behalf.
You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer) settings. Each browser is a little different, so look at your browser’s Help menu to learn the correct way to modify your cookies.
If you disable cookies off, some features will be disabled. It won’t affect the users experience that make your site experience more efficient and some of our services will not function properly.
Third Party Disclosure
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information unless we provide you with advance notice. This does not include Website hosting partners, or affiliated companies and other parties who assist us in operating our Website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential to the fullest extent permitted by law. We may also release your information when we believe release is appropriate to comply with state, federal and local regulations and law, enforce our Website policies, provide you with products and services including, but not limited to, underwriting, claims and financial purposes, investigate fraud or a potential wrongdoing, a complaint, respond to a government inquiry or request, or protect ours or others’ rights, property, or safety.
The Company may share Personal Information with our affiliated companies.
We may use third-party resources to collect, organize and interpret Personal Information.
The Company may also share your Personal Information with a third party in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of The Company’s business or assets.
The Company may also disclose your Personal Information with any other third party if you grant us consent to do so.
However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Third party links
We do not include or offer third party products or services on our website.
Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en
We use Google AdSense Advertising on our website.
We have implemented the following:
• Remarketing with Google AdSense
• Google Display Network Impression Reporting
• Demographics and Interests Reporting
We along with third-party vendors, such as Google, use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions, and other ad service functions as they relate to our website.
Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising initiative opt out page or permanently using the Google Analytics Opt Out Browser add on.
Note to California Residents
If you are a California resident, please review our California Privacy Notice for additional disclosures about how we collect, use and share your personally identifiable information, and the rights you have related to your information.
According to CalOPPA we agree to the following:
- Users can visit our site anonymously
Users are able to change their personal information:
- By emailing us
How does our site handle do not track signals?
We honor do not track signals and do not track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.
Does our site allow third party behavioral tracking?
It’s also important to note that we allow third party behavioral tracking
COPPA (Children Online Privacy Protection Act)
When it comes to the collection of personal information from children under 13, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation’s consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.
We do not specifically market to children under 13.
Fair Information Practices
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.
In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
We will notify the users via email
• Within 7 business days
We also agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or a government agency to investigate and/or prosecute non-compliance by data processors.
CAN SPAM Act
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
We collect your email address in order to:
To be in accordance with CANSPAM we agree to the following:
If at any time you would like to unsubscribe from receiving future emails, you can email us and we will promptly remove you from ALL correspondence.
900 Route 9 North Suite 503
Woodbridge, NJ 07095
(877) 444 – 0484