Miniter
Privacy Statement
James L. Miniter Insurance Agency, Inc. has developed this privacy policy to help
you understand how this Website collects, uses, and discloses personally identifiable
information gathered from and about you during your visit (“Personal Information”).
Title V of the Gramm-Leach-Bliley Act (“GLBA”) is a United States law
that generally prohibits any financial institution, directly or through its affiliates,
from sharing nonpublic personal information about consumers or customers with a
nonaffiliated third party unless the institution provides the appropriate consumer
or customer with a notice of its privacy policies and practices, such as the type
of information that it collects from consumers and customers and the categories
of persons or entities to whom the information may be disclosed. In compliance with
the GLBA and state laws relating to privacy in the industry, and in order to notify
our clients of our privacy practices, we are providing you with this document to
inform you of our privacy policies and practices.
Consent
By using any portion of this Website you acknowledge that you have read and understand
this Privacy Policy and that you consent to the Personal Information collection,
use, and disclosure practices explained below. You further consent that you have
read, understand and agree to the terms and conditions set forth in this Website’s
Internet Service Agreement.
Personal Information Collection
This Website collects Personal Information through:
• Information we receive from consumer reporting agencies;
• Information we receive on applications or other forms when providing insurance
services;
• Information we receive from affiliates, insurers, other intermediaries, and
others;
• Information available from external sources (i.e. publicly available records).
Personal Information Use and Disclosure
James L. Miniter Insurance Agency, Inc. may use the Personal Information referenced
above to complete requested transactions, provide requested products and services,
inform you about additional James L. Miniter Insurance Agency, Inc. products and
services that may be of interest to you, and perform related functions. James L.
Miniter Insurance Agency, Inc. may also disclose such Personal Information to affiliates
and nonaffiliated third parties as described below.
Our practices regarding information confidentiality and security:
We restrict access to nonpublic personal information about Clients to those employees
of our affiliates and ours who need to know that information in order to provide
products or services to our Clients. We have physical, electronic, and procedural
safeguards in place to guard all nonpublic personal information we maintain regarding
Clients.
Former customers
James L. Miniter Insurance Agency, Inc. treats Personal Information about former
customers in accordance with the policies described in this Privacy Policy regarding
current customers.
Use of Cookies
Cookies are pieces of information that our web server assigns to you when you visit
our website. Cookies are used in a few areas of our site only for maintaining information
between pages. They are not used for collecting, storing or tracking personal information
from our customers. These cookies do not gather any other personal information from
you or your computer. You have a choice whether to accept the cookie or not, however,
if you reject the cookie or if cookies are disabled on your web browser, some parts
of the website will not function properly. These cookies eliminate the need for
redundant entry by simply carrying forward information that you submitted on one
screen to the next.
Blocking Cookies
If you do not wish to allow this Web site to use cookies, you may configure your
browser to block them. Please understand that blocking cookies will reduce or disable
the functions and services this Web site makes available to you. Please refer to
your browser software for instructions on blocking cookies.
Linking to Other Sites
This Website may contain links to other sites on the World Wide Web. When you access
a link that takes you to an unaffiliated website, a “Pop-up” screen
may appear indicating that you are leaving the Website. Protection of your privacy
from that point forward will be governed by the privacy policy of that site, and
James L. Miniter Insurance Agency, Inc. cannot be held responsible for the privacy
practices used by the other web sites. Please take the time to read the privacy
policy at those sites. Links to outside sites does not constitute or imply endorsement
by James L. Miniter Insurance Agency, Inc. of the linked site or any material displayed
on those sites.
Internet Protocol (“IP”) addresses.
IP addresses are unique numeric identifiers assigned to your computer each time
you access the Internet. IP addresses contain no personally identifiable information
and usually change each time you access the Internet. This Website uses IP addresses
to track visitors as they navigate through the Website. This tracking allows us
to diagnose problem on the Website, track usage patterns and volume, and otherwise
to administer and improve the Website.
Necessary Disclosures of Personal Information
James L. Miniter Insurance Agency, Inc. may disclose Personal Information to affiliated
and nonaffiliated third parties: (1) as necessary to process or service requested
or authorized transactions, such as to secure quotations for insurance, obtain insurance
coverage, or report or process claims, and/or (2) that perform services on our behalf
or to other institutions, including insurance companies or banks with whom James
L. Miniter Insurance Agency, Inc. has joint marketing arrangements. In addition,
James L. Miniter Insurance Agency, Inc. may disclose Personal Information as otherwise
permitted or required by law, including in connection with any sale of all or a
part of our business or company, or pursuant to a subpoena or other request by government
officials. The GLBA and this notice do not affect any rights an individual Client
may have under the Fair Credit Reporting Act. James L. Miniter Insurance Agency,
Inc. may also share Personal Information in other circumstances as described below.
Personal Information about Health or Medical Conditions
James L. Miniter Insurance Agency, Inc. does not disclose any nonpublic personal
information to any third parties, except as stated in this policy and as otherwise
permitted by law.
Changes to this Policy
James L. Miniter Insurance Agency, Inc. reserves the right to change this Privacy
Policy from time to time and in its sole discretion. If this Privacy Policy changes,
the revised policy will be posted at the “Privacy Policy” link on this
Website’s homepage. In addition, this Website will post the date of the latest
material changes to this Privacy Policy on the homepage. If the date displayed is
later in time than your last visit, you must re-read this Privacy Policy. Your continued
use of this Website after the date of the last revision indicates your acceptance
of the changes.
This Privacy Policy was last revised on October 1, 2004
