Effective date: December 2, 2018
Firmin Insurance & Benefits is committed to maintaining your confidence and trust. And that means ensuring that you understand how we collect, use and disclosure personal information about you in connection with your use of this website, our social media platforms, and/or your receipt of insurance services from us. This privacy notice describes our policies and practices about how we protect, collect and share personal information related to (i) when you apply for insurance products or request services from us, and (ii) when you use this website.
We collect your personal information - which means information that can be used to identify you as an individual - when you access our website and when you seek insurance services from us. However, the types of personal information we collect depends on the type of product or service you request or how you interact with this website and may include:
We use the personal information we collect about you for a variety of business purposes, for example;
We may share all of the Personal Information we collect, as described above, with:
Please note that any personal information consisting of medical or health information is only shared with third parties to perform business, professional or insurance functions on our behalf or as authorized by you.
Whenever you visit or interact with the website, we, as well as any third-party advertisers and/or service providers, may use a variety of technologies that automatically or passively collect information about how the website is accessed and used ("Usage Information"). Usage Information may include browser type, device type, operating system, application version, the page served, the time, the preceding page views, and your use of features or applications on the website. This information helps us keep our website fresh and interesting to our visitors and allows us to tailor content to a visitor's interests.
We automatically collect your IP address or other unique identifier ("Device Identifier") for the Device (computer, mobile phone, tablet or other device) you use to access the website. A Device Identifier is a number that is assigned to your Device when you access a website or its servers, and our computers identify your Device by its Device Identifier. We may use a Device Identifier to, among other things, administer the website, help diagnose problems with our servers, analyze trends, track users' web page movements, help identify you and your interests, and gather broad demographic information for aggregate use.
Cookies; Pixel Tags.
The technologies used on the website to collect Usage Information, including Device Identifiers, include but are not limited to: cookies (data files placed on a Device when it is used to visit the website), mobile analytics software and pixel tags (transparent graphic image, sometimes called a web beacon or tracking beacon, placed on a web page or in an email, which indicates that a page or email has been viewed). Cookies may also be used to associate you with social networking sites like Facebook and Twitter and, if you so choose, enable interaction between your activities on the website and your activities on such social networking sites. We, or our vendors, may place cookies or similar files on your Device for security purposes, to facilitate site navigation, to perform analytics, and personalize your experience while visiting our website (such as allowing us to select which ads or offers are most likely to appeal to you, based on your interests, preferences, location, or demographic information). A pixel tag may tell your browser to get content from another server.
To learn how you may be able to reduce the number of cookies you receive from us, or delete cookies that have already been installed in your browser's cookie folder, or prevent tracking activities, please refer to your browser's tools or help menu or other instructions related to your browser. Because an industry-standard Do-Not-Track protocol has not yet been established, our information collection practices on this website will continue to operate as described in this privacy notice regardless of any "Do-Not-Track" signals that may be sent by certain browsers. However, if you may refuse to accept cookies in order to prevent tracking activities. If you do disable or opt out of receiving cookies, please be aware that some features and services on our website may not work properly because we may not be able to recognize and associate you with your account(s). In addition, the offers we provide when you visit us may not be as relevant to you or tailored to your interests.
You can control the personal information that you provide to us, but some personal information is required by us in order for you to obtain services from us. If you choose not to provide us with your personal information, you may not be able to take advantage of the services we offer. We do not share your personal information in a manner that affords you the right to opt-out of the sharing. However, consistent with the commitments set forth in this privacy notice, if any sharing of your personal information will require us to provide you with the option to opt-out of or opt-in to the information sharing, you will be provided with such option before the sharing occurs. You can direct us to stop sending you promotional emails by following the "unsubscribe" instructions in a Firmin Insurance & Benefits promotional email you receive from us or by sending us an email at email@example.com. Your opt-out request will be processed within 30 days of the date on which we receive it. Opting-out of receiving promotional emails will not affect your ability to continue to receive other service-related non-promotional emails from us, which you will not be able to opt-out from.
If you do not want to receive the benefits of targeted advertising, you may opt-out of some network advertising programs that use your information by visiting the NAI Opt-Out page at http://networkadvertising.org/managing/opt_out.asp. Please note that even if you choose to remove your information, you will still see advertising when you are browsing online. However, the advertisements you see may be less relevant to you and your interests.
We take the protection of your personal information seriously.
The website is not directed to or intended for use by children under 13. We do not knowingly collect, use or disclose personally identifiable information from anyone under 13 years of age. If we determine that a user of this website is under this age, we will not use or maintain his/her personal information without the parent/guardian's consent. If we become aware that we have unknowingly collected personally identifiable information from a child under the age of 13, we will make reasonable efforts to delete such information from our records.
The website may contain links to other sites that we do not own or operate. This includes links from advertisers, sponsors and/or partners that may use our logo(s) as part of a co-branding or co-marketing agreement. We do not control, recommend or endorse and are not responsible for these sites or their content, products, services or privacy policies or practices. These other sites may send their own cookies to your device, they may independently collect data or solicit personal information and may or may not have their own published privacy policies. You should also independently assess the authenticity of any site which appears or claims that it is one of our website (including those linked to through an email or social networking page).
The website may make available chat rooms, forums, message boards, and news groups. Remember that any information that you disclose in these areas becomes public information and is not subject to the provisions of this privacy notice.
The website is governed by and operated in, and in accordance with the laws of the United States. We make no representation that the website is governed by or operated in accordance with the laws of any other nation. By using the website, or providing us with any information, you (a) acknowledge that the website is subject to the laws of the United States, (b) consent to the collection, processing, maintenance and transfer of such information in and to the United States and other applicable territories in which the privacy laws may not be as comprehensive as or equivalent to those in the country where you reside and/or are a citizen, and (c) waive any claims that may arise under those laws.
We may update this privacy notice to reflect changes to our information practices. If we make any material changes we will notify you by email (sent to the e-mail address specified by you) or by means of a notice on our website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.
If you have any questions or concerns about this privacy notice, or privacy practices, or this website, please contact us at firstname.lastname@example.org.