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Privacy Policy

This policy applies where we are acting as a data controller with respect to the personal data (in accordance with Article 4 (1) GDPR) collected of our Website visitors and Service users whenever and where we determine the purposes and means of the storing and/ or processing of that personal data to be collected.

In this policy “we”, “us” and “our/s” refer to Insurance Resources, LLC.

  1. HOW WE USE YOUR PERSONAL DATA

The storing and/or processing of data through our website and for the purpose of providing our Services, are based on our legitimate interest (in accordance with Article 6(1)(f) GDPR) to monitor and improve both our Website itself and the Services associated with it. With respect thereto, we may store and/or process personal data following the provisions of Article. 13(1) GDPR:

  1. Data transmitted to us through your use of our website (“usage data”). The usage data refers to all data related to and collected through your use of our website, as well as of our services provided with respect thereto. The usage data may include your IP address, geographical location, browser type and version, operating system, length of visit, and website navigation paths, as well as information about the timing, and frequency. This usage data may be stored and/or processed for the purposes of analyzing the use of the website and its services. We store and/or process this data due to our interest in administration of our website and our business, as well as in qualitative data assessment to monitor and improve our services with respect to the needs of our clients. With respect thereto, we may use a tracking software to monitor our visitors, to better understand how our website and its affiliated services are used. The tracking software is provided by Google Analytics which uses cookies to track visitor usage. The software will save a cookie to your computer’s hard drive in order to track and monitor your engagement and usage of the website, but will neither store, nor save or collect personal information. You can read Google Analytics’ Privacy Policy here for further information. Other cookies may be stored to your computer’s hard drive by external vendors if referral programs are used such as sponsored links or adverts.
  2. Data that you provide to us for the purpose of subscribing to our email notifications and/or newsletters (“notification data”). The notification data may be stored and/or processed for the purposes of sending you the relevant notifications and/or newsletters;
  3. Information contained in an inquiry you submit to us regarding our services (“inquiry data”). The enquiry data may be stored and/or processed for the purposes of offering certain Services related to our Services, as well as to perform marketing.
  4. Data that you provide in the course of the use of our services (“service data”). Service data may be stored and/or used for the purposes of ensuring the quality and proper functioning of our website and our Services, to provide technical support and customer care.

We do not store and or process any other person’s personal data and thus ask you not to provide such data unless and until we prompt you to do so.

This privacy policy discloses the privacy practices for all websites and domains owned by Insurance Resources, LLC.

  1. PROVIDING PERSONAL DATA TO OTHERS

We may disclose any of the above-mentioned data to any member of our company in accordance with Article 13(1)(e) GDPR insofar as reasonably necessary for the purposes, and on the legal bases, set out in this policy. We may disclose any of the above-mentioned data to our insurers, brokers,  and/or professional advisers insofar as reasonably necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, obtaining professional advice, or the establishment, exercise or defense of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.

We will not disclose your information with any third party outside of our organization, other than as necessary to fulfil your request, e.g. to quote insurance. With respect thereto, your personal data may be transferred to our client management system Vertafore AMS360, it may be transferred to the quoting platforms PL Rating, Quote Rush, and/or Applied Rater.

We may share aggregated demographic information with our partners. This is not linked to any personal information that can identify any individual person.

We may partner with another party to provide specific services. When the user signs up for these services, we will share names, or other contact information that is necessary for the third party to provide these services. These parties are not allowed to use personally identifiable information except for the purpose of providing these services.

Notwithstanding the above mentioned, we may disclosure of data set out herein, we may disclose your personal data where such disclosure is necessary for compliance with a legal obligation to which we are subject, or in order to protect your interests as a natural person or the interests of another natural person. We may also disclose your personal data where such disclosure is necessary with respect to litigation whether in court proceedings or in an administrative or out-of-court procedure.

In any event, in which personal is disclosed, we guarantee to follow all provisions made under Articles 13(1)(e) and 14(1)(e) GDPR.

  1. RETAINING AND DELETING OF PERSONAL DATA

All personal data that we store and/or process for any purpose or purposes mentioned herein shall not be kept for longer than is necessary for that or those purposes.

Your personal data will be retained for a period of at least 5 (five) years following the data at which your data is submitted to our database.

Irrespectively of the period of the periods mentioned above, we retain personal data of long-term customers for as long as the business relation exists with these customers and up to five years after such business relation is terminated. We also recognize that in certain cases (such as in the event of i.e. disclosure due to litigation) it is not possible for us to specify in advance the periods for which your personal data will be retained.

  1. INTERNATIONAL DATA TRANSFERS, STORING AND/ OR PROCESSING

Here at Insurance Resources, LLC, we do not currently transfer personal data to other countries. However, we encourage you to review this policy from time to time as our policy may change with respect to international data transfers just as with respect to any other clause herein. Where data may in the future be transferred to other countries, the European Commission has made so called “adequacy decisions” with respect to data protection laws of non-EEA countries. Transfers, storing and or processing to and in those countries will be protected by standard data protection clauses adopted or approved by the European Commission. For non-EEA countries to which no “adequacy decision” has yet been made, please find Regulations (EU) 2016/679 and (EU) 2016/680.

  1. YOUR RIGHTS

You may at any given point in time instruct us to provide you with any personal information we hold about you; provision of such information will be subject to the supply of appropriate and sufficient evidence of your identity. As sufficient and appropriate evidence, we accept a copy of your driver’s license or passport, accompanied by a utility bill stating your current address of residence.

We may withhold personal information that you request to the extent permitted by law. However, you may opt-out of any future contacts from us at any time.

You may instruct us at any time not to process your personal information for marketing purposes. We will use your personal information for marketing purposes only if expressly agreed to our use of your personal information for marketing purposes.

Your principal rights under data protection law shall remain unaffected by the provisions contained herein. With respect thereto, your principal rights are the following:

(a) the right to access your personal data according to Article 15 GDPR;

(b) the right to rectification of any inaccurate or incomplete personal data about you following Article 16 GDPR;

(c) the right to erasure without undue delay if the data stored and/or processed is no longer required to be stored and/ or processed given that the purpose as to which the data was stored and/ or processed in the first place is omitted, unless the data to be erased is subject to exclusions of the right to erasure under Article 17 GDPR, and in accordance with Articles 13(2)(b), 14(2)(c) and 15(1)(e) GDPR;

(d) the right to restrict processing in accordance with Article 18(1) GDPR if i.e. the processing of the personal data is unlawful, but the provision of erasure does not apply, or i.e. if the purpose of storing and/or processing ceased to apply but means of litigation require the data to be stored and/or processed;

(e) the right to object to processing personal data for marketing purposes and/ or scientific research under Article 21 GDPR read in conjunction with Articles 21(4), 13(2)(b) and 14(2)(c) of the GDPR;

(f) the right to data portability if and unless this right interferes with any rights of third parties set forth in Article 20 GDPR, read in conjunction with Articles 13(2)(b), 14(2)(c);

(g) the right to complain to a supervisory authority if you experience an infringement of data protection laws and you have the legal right to file a complaint with a supervisory authority following Article 77 GDPR, read in conjunction with Articles 13(2)(d), 14(2)(e) and 15(1)(f);

(h) and the right to withdraw consent according to Article 7(3) GDPR, read in conjunction with Articles 13(2)(c), 14(2)(d) and 17(1)(b).

You may exercise any, or all of these rights with respect to the storing and/ or processing of your data by written notice to web@insuranceresourcesllc.com or by phone at 727-345-0242.

  1. SURVEYS AND CONTESTS

From time-to-time our site requests information via surveys or contests. Participation in these surveys or contests is completely voluntary and you may choose whether or not to participate and therefore disclose this information. Information requested may include contact information (such as name and shipping address), and demographic information (such as zip code, age level). Survey information will

be used for purposes of monitoring or improving the use and satisfaction of this site.

  1. USE OF COOKIES

We may use “Cookies” on this site. A cookie is a piece of data stored on a site visitor’s hard drive to help us improve your access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site.

Some of our business partners may use cookies on our site. However, we have no access to or control over these cookies.

  1. ADVERTISEMENTS AND SPONSORED LINKS

This website may contain sponsored links and advertisements that will typically be served through our advertising partners. Our advertising partners may have detailed privacy policies relating directly to the adverts activated by them. By clicking on any such advert, you will be send to the advertiser’s website through a referral program which may use cookies and will track the number of referrals sent from our website. It is important to note that if you click on a sponsored link, or any other external link, you do so at your own risk. In no event can we be held liable for any damages or implications caused by clicking on an external or sponsored link.

  1. SOCIAL MEDIA PLATFORMS

On our website, we may use social media sharing buttons which help share web content directly from web pages to a social media platform. Whenever you use a social sharing button, be advised that you do so on your own discretion and note that the social media platform may track and save your request

We may share web links to relevant web pages through our social media accounts. By default, some social media platforms shorten lengthy URL’s (web addresses). Users are advised to take caution and good judgement before clicking any shortened URL’s published on social media platforms by this website and its owners. Despite the best efforts to ensure only genuine URL’s are published many social media platforms are prone to spam and hacking and therefore this website and its owners cannot be held liable for any damages or implications caused by visiting any shortened links.

  1. CONTACT AND COMMUNICATION

This website is powered by Insurance Resources, LLC, registered in 6620 1st Ave. S. St. Petersburg, FL 33707 under Federal ID number 59-3592208.

You can contact us either via Email at web@insuranceresourcesllc.com through our Contact form on our website, or via telephone at 727-345-0242. If you wish to contact us, please keep in mind that you do so at your own discretion and that you provide any personal details requested at your own risk. Your personal information is kept private and stored securely until it is no longer required by law or

  1. AMANDEMENTS

We may update this policy from time to time whenever legal alterations are coming into effect. We therefore encourage you to check this page occasionally to ensure you are happy with any changes to this policy. However, we may notify you of changes to this policy either by means of email or through the private messaging system on our website.

Cookies
We may use “cookies” on this site. A cookie is a piece of data stored on a site visitor’s hard drive to help us improve your access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site.

Some of our business partners may use cookies on our site. However, we have no access to or control over these cookies.

Sharing
We may share aggregated demographic information with our partners. This is not linked to any personal information that can identify any individual person.

We may partner with another party to provide specific services. When the user signs up for these services, we will share names, or other contact information that is necessary for the third party to provide these services. These parties are not allowed to use personally identifiable information except for the purpose of providing these services.

Links
This web site contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

Surveys & Contests
From time-to-time our site requests information via surveys or contests. Participation in these surveys or contests is completely voluntary and you may choose whether or not to participate and therefore disclose this information. Information requested may include contact information (such as name and shipping address), and demographic information (such as zip code, age level). Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.


Updates
Our Privacy Policy may change from time to time and all updates will be posted on this page.
If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at 727-345-0242 or via email at Web@InsuranceResourcesLLC.com

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