Privacy Policy | protect-what-counts

Professional Insurance Group (herein PG Insurance) is committed to protecting the privacy and security of our customers. This Privacy Policy explains our information collection policies and sharing practices. It identifies the sources we use to collect your nonpublic personal information and describes the measures we take to ensure that information is secure. It also details what nonpublic personal information we may share with our affiliates and with nonaffiliated third parties. Finally, this Privacy Policy explains how you can exercise your privacy rights by electing to opt-out of certain information sharing practices we might otherwise apply to your nonpublic personal information.

INFORMATION COVERED BY THIS PRIVACY POLICY

This Privacy Policy applies to all information collected or submitted on the www.ProtectWhatCounts.com website. We may collect all information you provide, whether through our websites or other channels, such as your name, street address, e-mail address, telephone number (home, work and mobile), date of birth, Social Security Number, and other personal, financial, or demographic information.

SAFEGUARDING YOUR INFORMATION

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of nonpublic personal information, we have put in place what we consider to be appropriate physical, electronic, and managerial procedures to safeguard and secure the nonpublic personal information we collect online.

The security of your nonpublic personal information is important to us. We follow generally accepted industry standards to protect the nonpublic personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. When you enter sensitive information (such as a credit card number) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL).

ABOUT THE DISCLOSURE OF YOUR INFORMATION

Subject to applicable state law and your opt-out rights described below, we may disclose any of your nonpublic personal information to affiliates and nonaffiliated third parties, including parties under contract with us to provide goods or services to our customers and those that offer goods or services that we believe may be of interest to you. If applicable state law is more restrictive to us than the information sharing policies described in this Privacy Policy, the information policies will always conform to the state law. If state law, for example, requires us to obtain your consent prior to disclosing your nonpublic personal information to affiliates or nonaffiliated third parties (i.e. an “opt-in” requirement), then we will not disclose your information in such an event – even if you do not exercise your right to opt-out.

TYPES OF INFORMATION WE DISCLOSE

The following types of nonpublic personal information may be disclosed to our affiliates and to nonaffiliated third parties: name, address, phone numbers (home/work/mobile), email addresses, Social Security Number, and dated of birth.

The Way We Use Information

By agreeing to this Privacy Policy or by using this website, you authorize us to use your nonpublic personal information to obtain other information about you from third parties, such as your Social Security number, when such information was incompletely or improperly filled out on our registration form. Such third parties include, but are not limited to, consumer reporting agencies, consumer credit bureaus and other outside parties as permitted or required by applicable laws. Any and all information we collect from you and from such third parties may be used to determine your eligibility for any product, service of offer. If you choose to provide nonpublic personal information, such as your Social Security Number, we may use that information to determine your financial status. If you do not provide such information, we may also use other nonpublic personal information you provided for the purpose of verifying your eligibility for a loan or for any other programs, offer or services. Upon qualification, your ultimate loan-specific financial information will be stored and utilized by your applicable lender pursuant to the terms of that lender’s Privacy Policy.

If you choose to provide nonpublic personal information, it may be used for and/or shared with trusted third parties for marketing products and services you might find of interest. We reserve the right to share, rent, sell or otherwise disclose your information with/to third parties in accordance with applicable laws and as described herein. Nonpublic personal information collected by us may be added to our databases and used for future instant messaging, telemarketing, SMS text-messaging, e-mails or postal mailings. By using this website, you agree that you may be contacted in any manner contemplated in this section, subject to applicable law. We may also employ other companies and individuals to perform certain functions on our behalf. Examples include sending direct an electronic mail, removing duplicate information from customer lists, analyzing data, and providing marketing analysis. These agents have access to our users’ nonpublic personal information as needed to perform their functions for our sites, but the information may not be sued for their own marketing purposes.

We may also use your personal, demographic and profile data to improve our website, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes. Information collected by us may be added to our databases and used for future e-mails, telemarketing or postal mailing regarding site updates, new products and services, upcoming events, and/or status of orders placed online. See “You Opt-Out Rights” below.

Your Opt-Out Rights

You may opt-out of receiving communications from us and/or our third-party associates by not submitting your information. During registration and/or when you submit personally identifiable information to us at the website, you have opted-in to request that we share your nonpublic personal information with third parties to receive marketing communications for the specific purposes of receiving offers you have applied for on our websites. When contacted by any of these companies or third parties, you should notify them directly of your choices regarding their use and sharing of your information and to opt-out of receiving additional offers from them or any other third party with whom we have shared your information (see “The Way We Use Information” above). As noted, we use your nonpublic personal information to provide promotional offers through direct marketing, including without limitation e-mail, telephone, or SMS Messages Service to our website users. We may maintain separate e-mail lists for different purposes. If e-mail recipients wish to end their e-mail subscription from a particular list, they need to follow the instructions at the end of each e-mail message to unsubscribe from the particular list. To opt-out from receiving any additional e-mail communications regarding the website, please mail your request to Customer Service, 228 Park Ave S. Ste # 47037, New York, NY 10003.

In addition, please note that if you subsequently sign up to one of our other websites for other product or service offerings, you will need to again address any information sharing preferences you had previously established through this website.

Electronic Disclosure

By submitting your information to us via the Internet, you agree to receive certain notifications, disclosures and/or documents electronically. This Electronic Disclosure and Consent Agreement applied to the information you are providing on this Site and any other communications we or any third parties discussed herein may provide to you. By submitting your nonpublic personal information you agree to receive all such notifications, disclosures and/or documents in electronic form or online in accordance with this document. You may withdraw your consent prior to submitting your nonpublic personal information by exiting the website or by closing your browser. However, you will not be able to submit your information if you withdraw your consent by exiting the website or closing your browser. In addition, you cannot withdraw your consent after the submission of your nonpublic personal information. However, you may contact us or any of the third parties that we have shared your information with for purposes of one of our offers, and request no further contact.

CALIFORNIA RESIDENTS: YOUR RIGHT TO REVIEW AND UPDATE INFORMATION WE COLLECT THROUGH THE INTERNET

Under California law, California residents have the right to request in writing

from businesses with whom they have an established business relationship, (1) a list of the categories of personal information, such as name, address, e-mail address, and the type of services provided to the customer, that a business has disclosed to third parties (including affiliates that are separate legal entities) during the immediately preceding calendar year for the third parties’ direct marketing purposes, and (2) the names and addresses of all such third parties. To request the above information, please write to us with a reference to California Disclosure Information at:

Customer Service

228 Park Ave S. Ste # 47037

New York, NY 10003.

We will respond to such written requests within 30 days following receipt at the mailing address stated above. If we receive your request at a different mailing address, we will respond within a reasonable period of time, but not to exceed 150 days from the date received. Please note that we are only required to respond to each customer once per calendar year.

OPTING OUT OF SHARING OF PERSONAL INFORMATION

We value your privacy. If you do not want us to share your personal information with unaffiliated third parties (other than those disclosures otherwise required or permitted by law) or if you would prefer not to receive marketing emails from us in the future, you may let us know by sending a written request to Customer Service, 228 Park Ave S. Ste # 47037, New York, NY 10003.. Please allow up to 30 days for your email to be removed.

THIRD PARTY SITES

Please be advised that in certain circumstances, we act as a limited agent for the actual third party provider of the products and/or services available at or through the website. In these circumstances: (a) you will be redirected to the applicable third party’s website after you have submitted your information; (b) we will collect and send your nonpublic personal information to the respective third party provider in connection with completing your application or purchase from the third party provider; and (c) your application or purchase will subject you to the third party provider’s privacy policy, as applicable. We do not endorse, nor are we responsible for the accuracy of the privacy policies and/or terms and conditions of each of the third party providers that may advertise at the website. The entities that advertise and/or place banner ads at the website are independent third parties and are not affiliated with us. In addition, our website contains links to other third party websites and note that their privacy policy will govern the collection and use practices while on their website.

IP ADDRESS – USE OF YOUR IP ADDRESS FOR OTHER PURPOSES

IP addresses are automatically logged to a file. The domain name you use at the time of entry is also logged into the file. This information is stored purely as a means of viewing website hits and traffic. This information is not given to any affiliates or nonaffiliated third parties for any reason. It is eradicated from our database on a regular basis. IP addresses are not used for any purpose other than what is stated here.

Use of Cookies

Our websites use cookies to enhance and personalize your online experience and to enable our websites to recognize you as a previous visitor. A cookie is a small amount of data, which often includes an anonymous unique identifier that is sent to your browser from a website’s computer and stored on your computer’s hard drive. You can adjust the settings on your browser to erase or block such technologies from your computer if you want to, but if you do so, you will not be able to use or access the www.ProtectWhatCounts..com web services.

Each website can send its own cookie to your browser if your browser’s preferences allow it, but (to protect your privacy) your browser only permits a website to access the cookies it has already sent to you, not the cookies sent to you by other sites. Many sites do this whenever a user visits their website in order to tract online traffic flows. Cookies record information about your online preferences and may be tied to your nonpublic personal information such as your e-mail address for these purposes. Users have the opportunity to set their computers to accept all cookies, to notify them when a cookie is issued, or not to receive cookies at any time. Each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preferences.

Our websites also allow partners and advertisers presenting advertisements on our website to set their cookies, or apply web beacons or similar technologies, to your computer. We have no access or control of these third party tracking technologies. This information may be used to:

· provide security within shopping baskets or transactions;

· authenticate your Screen name before you can access your personal information or web services account for added security;

· personalize features of our website;

· enable you to participate in certain online activities;

· help measure and research the effectiveness of our website, including collecting statistics on your response to advertisements, e-mail and other communications you receive; and/or

· remember the preferences and registration data that you give us.

Our websites and our associated third parties may also use ad network providers to help present advertisement of our website. These ad network providers may use cookies, or web beacons or similar technologies on your computer to tailor content and advertisements to your preferences, help target, measure and tract your visits and the effectiveness of advertisements and promotions, using data gathered over time and across their networks of web pages to determine or predict the characteristics and preferences of their audience and to provide security within shopping baskets or transactions. The use of cookies, web beacons, or similar technologies is subject to their own privacy policies, not this one.

Access to Nonpublic Personal Information

If your nonpublic personal information changes, or if you no longer desire our service, you may resubmit your request for information or services or request deletion of your nonpublic personal information we previously collected by contacting us at Customer Service, 228 Park Ave S. Ste # 47037, New York, NY 10003. We will respond to your request for access within 30 days.

Our Commitment to Children’s Privacy

Protecting the privacy of children is especially important. For this reason, we never collect or maintain nonpublic personal information at our website from those whom we know are under the age of 18 years old. In the event nonpublic personal information is inadvertently collected from children, it will not knowingly be used for any marketing or promotional purposes whatsoever, either inside or outside of our website. If we obtain actual knowledge that such information has been collected, the information will be immediately deleted from our database. The information and services provided by us or our affiliates, sponsors, and advertisers are not intended to be viewed by persons under 18 years old.