This Privacy Policy sets forth the guidelines Business Insurers of the Carolinas for protecting the information you ("User" or "you") provide to us during visits to this site. Business Insurers of the Carolinas abides by the principles set forth in the Safe Harbor framework regarding the collection, use, and retention of data.
Business Insurers of the Carolinas is the sole owner of the information collected on this Site. Business Insurers of the Carolinas will not sell, share, or lease this information to others in ways different from what is disclosed in this statement. Business Insurers of the Carolinas collects information from you at several different points on our website.
Information Collected
When you visit www.business-insurers.com, you may provide us with different types of information: personal information you knowingly choose to disclose that is collected on an individual basis and Web site use information collected on an aggregate basis as you and others browse our web Site.
1. Personal Information You Choose to Provide
We receive and store any information you enter on our Web site or give us in any other way. It is completely optional for you to participate.
For example, we request information from you when you:
a. Request an insurance transaction with us on-line, such as providing information to obtain a surety bond, report a claim, request a certificate of insurance, etc.
b. Provide feed back from an on-line survey.
c. Complete a credit card transaction with us on-line.
d. Provide information for an insurance quotation.
In the instances above, we may ask for your name, e-mail address, billing address, shipping address, credit card information and resume, as well as other similar personal information that is needed to purchase products, register or subscribe for our services and offerings.
2. Web Site Use Information:
Business Insurers of the Carolinas receives and stores certain types of information whenever you visit our Site through the use of "cookies." A "cookie" is an element of data that a web site can send to your browser, which may then be stored on your system and is used to provide you with tailored information from a web site, usually to recognize you upon subsequent return visits to out web site. You can set your browser to notify you when you receive a cookie, giving you a chance to decide whether to accept it. We use cookies information to analyze business patterns to improve your overall on-line experience with Business Insurers of the Carolinas.
3. E-mail Information:
If you choose to correspond further with us through e-mail, we reserve the right to retain the content of your e-mail messages together with your e-mail addresses and our responses.
4. Use of Information
Business Insurers of the Carolinas will not trade, lease or sell your personal information. We use the personal information we collect for the purposes of administering our business activities, providing customer service and making other products and services available to our customers. Occasionally, we may also use the information we collect to notify you about important changes to our web Site, new products or services, and special offers we think you might find valuable. Users who do not wish to receive those mailings (whether e-mail or paper mail) or who believe they are receiving those mailings by mistake can contact Business Insurers of the Carolinas and request removal from the mailing list by e-mail or at (919) 968-4611 between 8:30 a.m. and 5:00 p.m. Eastern Time, Monday through Friday.
5. Sharing Information With Outside Parties
From time to time we may share the information we collect with agents, contractors or affiliates of Business Insurers of the Carolinas for the purpose of providing services to Business Insurers of the Carolinas. We will share aggregated demographic information with our partners and advertisers. We use an outside shipping company to ship orders, and a credit card processing company to bill users for goods and 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.
6. Compliance With Your Information
Business Insurers of the Carolinas reserves the right to release personal and account information when it believes it is appropriate to comply with the law, other agreements, or to protect the rights, property, or safety of Business Insurers of the Carolinas, our users, or others.
5. Access to Your Information
Business Insurers of the Carolinas provides you access to your personal information. You may update, correct or add to your personal information by e-mail request, or contact us at (919) 968-8991 between 8:30 a.m. and 5:00 p.m. Eastern Time, Monday through Friday.
6. Public Forums
Business Insurers of the Carolinas may in the future provide on-line bulletin boards, forums, and/or chat rooms for users who visit our Site. Be advised that any postings by a user will not be protected or confidential.
7. Security
Business Insurers of the Carolinas works to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts the information you provide to us. To be sure your connection is secure, look at the lower portion of your browser window. If you see an unbroken key or closed lock (depending on your browser) the SSL is active.
8. Third Party Sites
Please be aware that other web sites that may be accessed through our Site may collect personally identifiable information about you. These links are provided as a convenience to you and the inclusion of the link does not imply Business Insurers of the Carolinas' endorsement of any other company, its web site, its privacy practices or the products and services it sells. The information practices of those third-party web sites are not covered by this Privacy Policy.
9. Minors
Business Insurers of the Carolinas is concerned about protecting minors' privacy and follow these guidelines regarding personal information we may collect from them:
Business Insurers of the Carolinas DOES NOT:
a. Collect online contact information without prior parental consent or parental notification, which will include an opportunity for the parent to prevent use of the information and participation in the activity. Without prior parental consent, online information will only be used to respond directly to the child's request and will not be used for other purposes without prior parental consent.
b. Collect personally identifiable offline contact information without prior parental consent.
c. Distribute to third parties any personally identifiable information without prior parental consent.
d. Give the ability to publicly post or otherwise distribute personally identifiable contact information without prior parental consent.
e. Entice by the prospect of a special game, prize or other activity, to divulge more information than is needed to participate in the activity.
10. Changes in The Privacy Policy
Business Insurers of the Carolinas reserves the right to modify this Privacy Policy any time from time to time.
11. Your Acceptance of These Terms
By using this Site, you signify your assent to this Privacy Policy. If you do not agree to this Privacy Policy, please do not use our Site. Your continued use of this Site following the posting of changes to these terms will mean you accept those changes.
12. Complaints
If you feel Business Insurers of the Carolinas is not abiding by this Privacy Policy, please contact us by email or call us at (919) 968-8991 between 8:30 a.m. and 5:00 p.m. Eastern Time, Monday through Friday.