We reserve the right to modify or amend this privacy policy at any time and for any reason. The modified or amended privacy policy will be posted on our website. Last revised 12/30/2022.

In general, you can visit our website on the internet without telling us who you are or revealing any information about yourself. Our web servers collect the IP addresses, not the e-mail addresses of visitors. This information is gathered to measure the number of visits, pages viewed, etc. Like many websites, we use “cookies” to deliver more relevant product messages based on pages viewed while visiting our site or other preferences you make known during your visit. Please refer to the following “How we use ‘cookies’” section for information about cookies and how we use them. We use this information to help us create a better experience for users of our website.

HOW WE USE “COOKIES”

Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information about your visit.

We use cookies to help us understand your preferences based on previous or current site activity, which enables us to provide you with an improved content experience. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can generally offer better site experiences and tools in the future.

We may contract with third-party service providers to assist us in better understanding our site visitors so that we can improve or customize our website experience for a single user or for all users in general and to serve additional information outside of our website. These service providers are not permitted to use the information collected on our behalf except to help us conduct and improve our business and provide you with a more custom content experience.

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, Google Chrome, or Firefox) settings. Each browser is a little different, so look at your browser’s Help menu to learn the correct way to modify how your browser manages cookies. If you turn cookies off, you will still be able to gather the information you need and have a typical website experience, but we will not be able to serve content to you based on your activity.

This cookie management strategy is global in nature meaning that all cookies from all sources are managed in the same way. You may also choose to manage cookies from different sources in unique ways. From time to time our third-party service providers require that we provide our site visitors who do not use global cookie management strategies the opportunity to use the cookie management options that they offer. When this is the case, we will post links to their policies and procedures in this section of our privacy policy.

Google Analytics Opt-Out – https://tools.google.com/dlpage/gaoptout/

Network Advertising Initiative Opt-Out – http://www.networkadvertising.org/choices/

There are times, however, when we may need information from you to respond to your inquiry. This may include name, email address, mailing address, phone number, age, and gender but could also include answers to qualifying questions. Our goal is to collect no more personal information than is necessary to provide superior service. This information is all voluntary and is not required to use our website, you choose to give us this information and at any time you can ask us to stop sending you emails or delete your information by sending an email to your local agent or replying to any email we send you.

HOW WE USE YOUR EMAIL ADDRESS

Outside of normal business-related communication, we may ask site visitors to opt-in to receive e-mail newsletters, or other messages designed to make them aware of other opportunities that may be of interest. If you opt-in to receive these emails, we may send you periodic e-mails as we deem appropriate. If you would no longer like to receive these messages, you can opt-out at any time by replying to that email and stating your desired intention.

YOUR PRIVACY IS OUR CONCERN

We recognize the confidentiality expectations of our guests and clients. When you apply for insurance, you disclose a certain amount of information about yourself to us. We believe it is important you know how we treat the information about you we receive.

OUR PROMISE TO YOU

• We will not sell personal information to third parties.
• We will collect only information necessary or relevant to our business.
• We will use only legitimate means to collect information.
• We will only make personal information available: to regulators or other government authorities as authorized by you or as otherwise permitted by law.
• We restrict access to nonpublic personal information to those associates who need to know to provide excellent customer service for you.

INFORMATION COLLECTION

We collect nonpublic personal information about you from:

• Applications or other forms you complete.
• Your business dealings with us.

INFORMATION USE AND DISCLOSURE

We may disclose the information we collect as permitted by law to the following persons or organizations:

• To companies whom we contract to perform marketing and support services on our behalfs, such as data processors and printing companies.
• To regulatory and other government authorities. Examples include responses to a court order or a regulatory demand.
• Companies with whom we share information are required to maintain the confidentiality of that information and to use it solely for the purpose for which it is disclosed.

The following lists the types of nonpublic personal information we may disclose as allowed by law:

• Information we receive from you on applications or other forms, such as your name, address, social security number, and age.
• Information about your transactions with us, such as your policy coverage, premiums, and payment history.

MEDICAL INFORMATION

We must ask you medical history questions to fill out most applications for insurance. We do not use, store, or share this information for any other purpose than as required or permitted by law or as otherwise authorized by you.

INFORMATION CONFIDENTIALITY AND SECURITY

We do not store your information anywhere for any future use after we complete the task which you requested us to do. If you sign up for our newsletter, we must keep your first name, last name, and email address to fulfill your request on an ongoing basis until you request us to remove you from that mailing list.

If you have any questions or concerns about the privacy policy or you would like to be removed from any future email, please contact your local agent via any “email buttons” button on our website. Each individual site URL offers several ways to contact your local agent.