Privacy Policy
Last Updated: July 24, 2018
The purpose of this privacy policy (“Policy”) is to explain how personal information is collected, used, disclosed and secured by Business Insurance Center (hereinafter referred to as “Company”, “BIC”, “we” or “us”) when you (“you”, “your”, “user”) access the Company web site (“Site”) at https://www.BusinessInsuranceCenter.com/. If the terms of this Policy are not agreeable to you, we ask that you do not use the Site.
Please take the time to review this Policy and understand how any personal information you provide will be used. The Company reserves the right to revise this Policy at any time. As a User, you can see that changes have been made by looking at the date when the Policy was updated. Your continued use of the Site following any changes to the Policy will mean that the changes are acceptable to you.
What Do We Mean By Personal Information?
As used herein, the term “personal information” means information that specifically identifies an individual (such as a name, address, telephone number, mobile number, e-mail address, date of birth, credit card number, social security number), or information about that individual that is directly linked to personal information.
Personal information does not include “aggregate information”, which is data we may collect about the use of the Site or about a group or category of users, from which individual identities or other personal information has been removed. This Policy does not in any way restrict or limit our collection and use of aggregate information.
How Do We Collect Information? What Types of Information Do We Collect?
We collect personal information about you in a number of ways when you visit or use the Site:
Active Collection:
We collect certain information when you voluntarily provide it, such as if you send us an email, request a quote online, receive customer or technical support from a Company representative using the online live chat widget, connect with us via social media channels such as Facebook, Google+, LinkedIn, etc. or you otherwise provide or request information.
Passive Collection:
When you use the Site, some information is also automatically collected, such as your Internet Protocol (IP) address, operating system, browser type, address of a referring web site, activity on the Site, etc. We treat this information as personal information if we combine it with or link it to any of the personal information mentioned above. Otherwise, it is used in the aggregate only.
We may also automatically collect certain information and monitor user activity through the use of “cookies” (including persistent and/or session cookies) or web beacons (also known as web bugs, pixel tags, tracking pixels, or clear gifs) on the Site. If you wish to block, erase, or be warned of cookies on the Site, please refer to your browser manufacturer to learn about these functions. However, if you choose to remove or reject cookies, this could affect certain features on the Site. In addition to the above, information provided by cookies, web beacons, or other devices may be used, among other things, to analyze data, to determine the popularity of content, to deliver targeted advertising, to make recommendations to users, to better understand the Site’s usage or the effectiveness of Ads, to track user actions/behavior on the Site, etc.
We work with a company called ReachLocal, which assists us in advertising our products and/or services. One of the products that we have purchased from ReachLocal is a retargeting product, which enables ReachLocal to show you advertisements for our Site when you visit other sites in the ReachLocal network or in third-party networks. ReachLocal is able to do this through the use of cookies that are provided by ReachLocal through its third-party partners (the “Advertising Cookies”). The sole use of these cookies is to simply show you advertisements for our site; they are not being used to track you in any other way. Moreover, ReachLocal does not link the information in the cookies or any other cookie to any personal information that you may have provided. You may set most browsers to notify you if you receive a cookie, or you may choose to block cookies, though either of those actions may affect the use of our Site.
How Do We Use the Personal Information We Collect?
We use personal information we collect through the Site for the purposes described in this Policy. For example, we may use personal and other information we collect to process transactions, request feedback, communicate with the user, contact the user about their account, respond to user inquiries/problems, deliver targeted ads, provide recommendations, monitor Site usage trends, send promotional messages, confirmations, or security alerts, prevent fraud, conduct surveys, etc. and for any other purpose for which the information was collected.
You may modify or delete the personal information collected through the Site at any time by contacting our Company via email and/or phone.
What Personal Information Do We Share With Third Parties?
We will not share the personal information we collect from you through the Site(s) with third parties, except as described in this Policy or on the Site. For example, we may share personal information with service providers such as ReachLocal in connection with the operation of the Site and/or the marketing of our products and/or services.
Purchase or Sale of Businesses:
From time to time, we may purchase a business or sell one or more of our businesses and your personal information may be transferred as a part of the purchase or sale. If we purchase a business, the personal information received with that business would be treated in accordance with this Policy, if it is practicable and permissible to do so. If we sell a business, we will include provisions in the selling contract requiring the purchaser to treat your personal information in the same manner required by this Policy. The provisions of this paragraph will also apply if we are sold as part of bankruptcy proceedings.
Disclosures Required By Law and Disclosures to Help Protect the Security and Safety of Our Website and Others:
We will disclose personal information when we believe in good faith that such disclosures (a) are required by law, including, for example, to comply with a court order or subpoena, or (b) will help to: enforce our policies; enforce contest, sweepstakes, promotions, and/or game rules; protect your safety or security, including the safety and security of property that belongs to you; and/or, protect the safety and security of our Site(s) or third parties.
Does This Policy Apply to Other Websites Linked To From the Site?
The Site(s) may contain links to other websites. Any personal information you provide on linked pages or applications is provided directly to that third party and is subject to that third party’s privacy policy. This Policy does not apply to such linked sites, and we are not responsible for the content or privacy and security practices and policies of these websites or any other sites that are linked to or from the Site(s). We encourage you to learn about their privacy and security practices and policies before providing them with personal information.
Do We Collect Information From Children Under the Age of 13?
The Site is not intended for use by children under the age of 13, and Company does not knowingly collect or use any personal information from such children. If we become aware that we have unknowingly collected personal information from a child under the age of 13, we will make commercially reasonable efforts to delete such information from our database.
What Steps Do We Take To Protect Your Information?
We take measures designed to protect your personal information in an effort to prevent loss, misuse, and unauthorized access, disclosure, alteration, and destruction. We provide physical, electronic, and procedural safeguards to protect information we process and maintain. Please be aware, however, that despite our efforts, no security measures are perfect or impenetrable and no method of data transmission can be guaranteed against any interception or other type of misuse.
Miscellaneous
This Policy and the privacy practices of Company will be subject exclusively to the laws of the United States. Company makes no representation that this Policy and our practices comply with the laws of any other country or jurisdiction. Users of the Site who reside outside the United States do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. If you reside outside of the United States, by using the Site, you consent to the transfer, processing and use of your information outside your country.
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