This privacy policy has been compiled to better serve those who are concerned with how their ‘Personally identifiable information’ (PII) is being used online. PII, as used in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.
What personal information do we collect from the people that visit our blog, website or app?
When ordering or registering on our site, as appropriate, you may be asked to enter your name, company, email address, mailing address, phone number, and insurance application details to provide an insurance quote.
When do we collect information?
We collect information from you when you subscribe to a newsletter, respond to a survey, fill out a form or enter information on our site.
How do we use your information?
We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:
- To allow us to better service you in responding to your customer service requests.
- To quickly process your transactions.
How do we protect visitor information?
Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible. 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/financial 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 and confidential information. All transactions are processed through a gateway provider and are not stored or processed on our servers.
Do we use ‘cookies’?
Yes. 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. For instance, we use cookies to help us remember and process insurance application forms. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.
We use cookies to:
- 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, but it won’t affect the users experience that make your site experience more efficient and some of our services will not function properly. However, you can still request premium indications and insurance quotes.
Third Party Disclosure
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information.
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
We have implemented the following:
Google Analytics: We along with third-party vendors, such as Google use first-party cookies (such as the Google Analytics cookies) to compile data regarding user interactions.
California Online Privacy Protection Act
For California residents, this California Privacy Notice supplements the information contained elsewhere in the Privacy Policy. Any terms defined in the California Consumer Privacy Act of 2018 (“CCPA”) have the same meaning when used in this California Privacy Notice.
Categories of Personal Information Collected
In the past 12 months, we may have collected the following categories of personal information: personal identifiers, contact information, commercial information, information related to our transaction(s) with you, information regarding your interaction with the Site, professional or employment-related information, claims information, education information, other information in the public domain, and other information provided to us by you or on your behalf.
Purposes for Collecting Personal Information
The purposes for which these categories of personal information shall or may be used are: actuarial and underwriting purposes, claims administration, marketing, policy administration, for communicating with you, to provide services to you, and otherwise in furtherance of our business relationship with you.
Sharing Personal Information
In the preceding twelve (12) months, we may have disclosed the following categories of personal information for a business purpose: personal identifiers, contact information, claims information, transactional information, policy information, professional or employment-related information, education information, and other information disclosed as necessary to administer our products and services. In the preceding twelve (12) months, we have not sold any personal information.
Your Rights Under the CCPA
The CCPA provides consumers (California residents) with specific rights regarding their personal information. You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months, including the categories of personal information we collected about you, the categories of sources for the personal information we collected about you, our business or commercial purpose for collecting or selling that personal information, the categories of third parties with whom we share that personal information, the specific pieces of personal information we collected about you, and if we disclosed your personal information for a business purpose, the categories of personal information disclosed to each category of third party.
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete your personal information from our records, unless an exception applies.
We make available to California residents two methods for submitting requests under the CCPA. You may make a CCPA request by e-mailing us at info@crinsurance.com, or by calling us at (800) 637-7543. After receiving your request, we may contact you to verify that you are the consumer whose information is the subject of the request. You have the right not to be discriminated against for exercising any of your CCPA rights. We will not deny you goods or services, charge you different prices or rates for goods or services, or provide you a different level or quality of goods or services as a result of you exercising your CCPA rights.
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 3 business days
- We will notify the users via in site notification within 3 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:
- Send information, respond to inquiries, and/or other requests or questions.
- Market to our mailing list or continue to send emails to our clients after the original transaction has occurred
To be in accordance with CAN-SPAM, we agree to the following:
- NOT use false or misleading subjects or email addresses
- Identify the message as an advertisement in some reasonable way
- Include the physical address of our business or site headquarters
- Monitor third party email marketing services for compliance, if one is used
- Honor opt-out/unsubscribe requests quickly
- Allow users to unsubscribe by using the link at the bottom of each email
If at any time you would like to unsubscribe from receiving future emails, you can
- Follow the instructions at the bottom of each email.
- Email “unsubscribe” to info@crinsurance.com and we will promptly remove you from ALL
Contacting Us
If there are any questions regarding this privacy policy you may contact us using the information below. C & R Insurance Services 987 Old Eagle School Road Suite 715 Wayne, PA 19087 Email: info@crinsurance.com Phone: (800) 505-7206 Fax: (888) 330-5510