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Privacy Policy

Spectrum Insurance Group

Spectrum Insurance Group ("we"/"our"/"our company") take your ("you"/"your"/"your company") privacy seriously. Because we value our customer relationships, we do not sell customer information. We will only share your information for the purposes of providing services which you have engaged us to perform on your behalf, such as placing your insurance, and/or providing you with insurance related and /or services, as applicable, and as otherwise permitted or required by law.

This Privacy Policy outlines our information-sharing practices to help you understand how we protect your privacy, when we collect and use information about you, and the measures we take to protect the confidentiality of that information.

Information We Collect

We know how important your privacy is to you and we appreciate you trusting us to handle your Confidential Information responsibly and with integrity. We collect Confidential Information about you as required by insurance companies, including, but not limited to the following:

  • Information we receive from you on applications or required questionnaires, such as your occupation, current employer and Social Security and driver's license numbers:
  • Information about your transactions with us, our affiliates, or previous insurers, such as your policy coverage, claim information, premiums and payment history:
  • Information we receive from a consumer-reporting agency, obtained for the purpose of ascertaining credit histories. These reports are obtained as underwriting tools to determine bill-paying habits and creditworthiness. These reports are not subject to race, gender or income. Motor vehicle reports may also be requested to disclose driving history.

Online Tracking

Click Streams

We may capture click streams to help us learn what parts of our website are most popular and among which audiences. We may also use them to help us optimize our user interface, to analyze site usage statistically, to improve content, and to customize our website's content and layout. In short, we use this information to allow us to tailor our website and to meet your needs better. We analyze click stream data to track trends and behaviors, not individual's. We are interested in our audience size, return visit rate, and similar data on an aggregate basis. We also capture date and time information of visits, pages visited, and the time you spend with us.

Cookies

Cookies are pieces of information that a website transfers to your computer's hard drive for record-keeping purposes. They can make the site more useful by storing information about your preferences at our website. It is almost standard for any interactive website to use cookies. Cookies do not identify a user, but they do identify a user's computer. Most browsers are set up to accept cookies. If you prefer, you can set your browser to refuse cookies, but some online services on our website will not function without them. We do not use cookies to track or report on activity when you are not on our website or to provide such information to other parties for their own marketing use. We do not use cookies to collect personal information such as your e-mail address, and we do not combine information collected through cookies or information that may be stored on your computer.

Do Not Track Signals

We honor your web browser's Do Not Track Signal.

Information We Share

We do not use, disclose, sell or transfer any Confidential Information without consent unless required or permitted by law or regulation. In cases of permitted disclosure, we will disclose information in compliance with applicable laws and regulations and will require the recipient to protect the information and use it only for the purpose provided. For example, we may disclose your Confidential Information in order to market your insurance coverage directly with insurers and providers. We may also disclose your Confidential Information we collect, as described above, to companies that perform marketing services on our behalf or to other insurers or providers with whom we have joint marketing agreements. Additionally, we may disclose your Confidential Information in the event of reorganization, merger, or sale.

Links to Other Sites

We may provide links to other websites not owned or controlled by us that we think might be useful or of interest to you. We are not, however, responsible for the privacy practices used by other website owners or the content or accuracy contained on those other websites. Links to otherwebsites do not constitute or imply endorsement by us for those websites, any products or services described on thosewebsites or any other material contained in them. Contact those websites directly for their individual privacy policies.

Changes to Our Privacy Policy

We reserve the right to make changes to our Privacy Policy at any time. Such changes will be posted on this page. We encourage you to review the website and the Privacy Policy in particular periodically for any updates or changes. Your continued access or use of this website shall be deemed your acceptance of all terms and conditions contained in this Privacy Policy.

Last modified on March 31, 2015

Your Confidential

Information

Your Confidential Information includes, but is not limited to, Protected Health Information, Nonpublic Personal Financial Information, and/or Trade Secrets. You do not have to provide us any Confidential Information in order to visit our website. We may request Confidential Information from you at our site in order to deliver requested materials to you and deliver an insurance- or benefits-related service.

We do not sell your Confidential Information to others under any circumstances. We collect only that amount of Confidential Information which you choose to provide to us. By using our website you agree to the uses of your Confidential Information described in this notice. If at any time this policy changes, those changes will be posted on this page of our website, so that you are aware of our intent to better protect your privacy.

 

Information

Security

We restrict access to your Confidential Information to our employees who need to know such information in order to provide you with the insurance products or services for which you have engaged us. We maintain physical, electronic, and procedural safeguards that comply with U.S. federal and state regulations to guard your Confidential Information.