Privacy Policy

Privacy Policy of Automotive Risk Consultants

Effective as of April 1, 2014
Automotive Risk Consultants, or AutoRisk, and its insurance brokerage subsidiaries and affiliates (collectively referred to in this notice as “we”, “us”, or “our”) provide insurance brokerage services and sell insurance products and services to commercial businesses and to individuals for commercial, personal and household purposes. Automotive Risk Consultants and all of its agents and affiliates are collectively referred to in this notice as “ARC”. “You”/”Your Company” refers to each of our customers or prospects who may engage us to provide services for or on your behalf, such as placing your insurance and/or providing you with insurance risk management or consulting products and/or services, and as otherwise allowed or required by law.

General
Federal and state laws and regulations generally prohibit us from sharing nonpublic personal, financial or health information about you with a non-affiliated third party unless we provide you with a notice of our privacy policies and practices, such as the types of information that we collect about you and the categories of persons or entities to whom it may be disclosed. In compliance therewith, we are providing you this notice about our privacy policies and practices.

Information Collected
We collect and maintain your information so we can provide risk management services, insurance brokerage services and sell insurance products to you, as well as to process your insurance claims. In providing our various services, we may obtain certain non-public, personal, financial or health information.  The types and categories of information we may collect about you in the performance of services for you include:

• Information we receive from you on applications for insurance coverage and other forms to provide insurance brokerage services to you (such as your name, home address, social security, telephone number, financial information such as the fair market value of property you wish to insure, and health information);
• Information you authorize us to collect (such as health information for underwriting purposes) or information we are authorized or required by law to collect (such as medical records in a workers’ compensation case);
• Information that we generate to service your account (such as loss claim information);
• Information we receive from a consumer reporting agency such as motor vehicle and driver data, credit history, and employment information; and
• Information about your transactions with us and our affiliates such as your policy coverage, premium payment history, the premium you pay and claims information.

Contact Us.
Information that may be collected or submitted on the our sites may include your first and last name, business name, city and state, phone number, email address and any other information you provide to us in your correspondence with us. If you use a Quick Quotes feature, you will be submitting more detailed information, depending on the Quick Quote you submit. We use this information in order to respond to your question or request. We may also use your email address to send you promotional and informational emails. You have the opportunity to opt out of receiving promotional emails.

Cookies.
We may also collect information about how you access the Sites using cookies. Session ID cookies may be used by us to track your preferences while you are visiting the ARC website.  They also help to minimize load times and save on server processing.  Persistent cookies may be used by us to store other information.  Cookies used on our site do not contain your personal information.

Log Files.
We use log files which may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track your movement in the aggregate, and gather broad demographic information for aggregate use. However, none of this information contains personal information.

Children’s Information.
Protecting the privacy of the very young is especially important. For that reason, we do not collect or maintain information on or through our website from those we actually know are under 13 years old, and no part of our website is structured to attract anyone under 13 years old.

Sharing Information with Third Parties
We do not disclose any nonpublic information about you to non-affiliated third parties, except as permitted by law. The circumstances under which disclosure to non-affiliated third parties is permitted by law include disclosures to insurance companies or insurance intermediaries to obtain any insurance coverage requested by you or to process insurance claims. The circumstances under which disclosure to non-affiliated third parties is permitted by law also include to our auditors, appraisers and legal advisers, in response to a court order, governmental authorities pursuant to legal process, to prevent fraud, and/or disclosures to authorized third party service providers acting on our behalf, that perform marketing and other services for us, such as electronic enrollment service providers, to other financial institutions with which we have joint marketing agreements, such as banks, securities broker-dealers, registered investment advisers, and insurance providers.

Protection of Personal Information
We take commercially reasonable steps to ensure that your information is kept safe from unauthorized access.  We may use physical, electronic and procedural safeguards to protect your private information and to assist us in preventing unauthorized access to that information.

To fulfill our privacy commitment, we take certain actions which may include:

• Adopting policies and procedures that put in place physical, electronic and other safeguards to keep your personal information safe;
• Striving to maintain the accuracy of your information and responding to any questions or concerns you may raise in its regard;
• Requiring  third parties that perform services for us to have standards to keep your information confidential;
• Protecting information of our former clients to the same extent as our current clients.

Despite reasonable technological measures taken by us, technology can be bypassed and we cannot guarantee privacy of your information. You agree that we shall not be responsible for any loss, damages or liability arising from the information you provide to us in any way and you shall have no recourse against us, or any employee, officer, director, shareholder, agent or representative for such loss, damage, liability.

Requests for Information and your Opt-Out Rights
To the extent provided by applicable federal or state law, you may have certain rights to access and correct the information we have collected about you. Additionally, if you have questions or would like to request that your information not be shared with third parties, please contact us at be info@autorisk.org. If you wish to correct your information we may take reasonable steps to ensure your identification before making the requested corrections. You can opt out of receiving any promotional emails that we send to you by sending an email requesting to be removed from the email list at be info@autorisk.org or by clicking on the unsubscribe link at the bottom of the email you receive from us.

Links to Non-ARC Websites and Third Parties
ARC’s websites may provide links to third-party websites for your convenience and information. If you access those links, you will leave the ARC website. ARC does not control these third-party websites or their privacy practices, which may differ from ARC’s. We do not endorse or make any representations about third-party websites. The personal information you choose to provide to unrelated third parties is not covered by this ARC Privacy Policy. We encourage you to review the Privacy Policy of any entity before submitting your personal information.

Dispute Resolution
Any controversy or claim arising out of or relating to our privacy policy, or the breach of our privacy policy, shall be settled by arbitration in accordance with the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

Changes to this Privacy Policy
ARC will review and update this Privacy Policy periodically, and will note the date of its most recent revision above. If we make material changes to this Privacy Policy, we will notify you either by prominently posting a notice of such changes prior to implementing the changes or by directly sending you a notification. We encourage you to review this Privacy Policy frequently to be informed of how ARC is collecting, using, retaining, protecting, disclosing, and transferring your information.

Treatment of Personal Information in a Corporate Merger or Sale
In connection with the sale or potential sale or transfer of all or part of our company or its assets, we reserve the right to sell or transfer your information to a third party entity that (1) concentrates its business in a similar practice or service; (2) agrees to be our successor in interest with regard to the maintenance and protection of the information collected; and (3) agrees to the obligations of this privacy policy as it then exists. This notice is for information only. No reply is necessary. If you have questions about any of the terms of this privacy policy please contact us at be info@autorisk.org.