James L. Miniter Group Insurance Agency, Inc. (“Miniter Group”) has developed this Website Privacy Statement (the “Statement”) to describe how its Website collects, uses, and protects nonpublic personally identifiable information (“Confidential Personal Information”) that is gathered from and about visitors to its Website.
By using any portion of this Website, you acknowledge that you have read and understood this Statement and that you consent to the collection, use, and protection of Confidential Personal Information as described below. You further consent that you have read, understand, and agree to the terms and conditions set forth in Miniter Group’s Master Service Agreement.
This Website collects Confidential Personal Information through or from applications or other forms submitted to Miniter Group, such as name, date of birth, social security number, and address.
Affiliates, insurers, or other external sources, such as publicly available records and consumer reporting agencies.
Miniter Group may use Confidential Personal Information to fulfill client requested transactions, to provide insurance products and services, or to inform its clients about additional insurance products and services that may be of interest to them.
Miniter Group may also disclose Confidential Personal Information to affiliated and non-affiliated third parties for the following purposes:
The GLBA and this Statement do not affect any rights an individual may have under the Fair Credit Reporting Act.
Only Miniter Group employees and others, who need the Confidential Personal Information in order to provide insurance products or services to clients, have access to this information. Miniter Group has established physical, electronic, and procedural controls designed to safeguard the confidentiality and integrity of all Confidential Personal Information in its possession and to prevent unauthorized access thereto.
Cookies, which are pieces of information that Miniter Group’s web server assigns to you when you visit the website, are used in a few areas of the Website for maintaining information between pages. Cookies eliminate the need for redundant entry by carrying forward information that you submit from one screen to the next. Cookies are not used for collecting, storing, or tracking information from you or your computer. You have a choice of whether to accept cookies or not.
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. Miniter Group’s Website uses IP addresses to track visitors as they navigate through the Website. This tracking allows Miniter Group to diagnose problems on the Website, track usage patterns and volume, and to administer and improve the Website.
Miniter Group reserves the right to change this Statement at its sole discretion from time to time. It is your responsibility to review this Statement frequently to remain informed about any changes to it. Continued use of this Website indicates your acceptance of the most recent version of this Statement.
This website uses various web analytics tools (such as Google Analytics) and other measurement tools (like Hotjar and VWO) to help analyze how users use the site. These tools use ‘cookies’, which are text files placed on your computer, to collect standard internet log information and visitor behavior information in an anonymous form. The information generated by the cookie about your use of the website (including your IP address) is transmitted to Google and sometimes other vendors. This information is then used to evaluate visitors’ use of the website and to compile statistical reports on website activity for miniter.com.
We will never (and will not allow any third party) use the statistical analytics tool to track or to collect any personally identifiable information of visitors to our site. The Web Analytics vendors do not associate your IP address with any other data held by them. Neither we nor the web analytics Vendors will link, or seek to link, an IP address with the identity of a computer user. We will not associate any data gathered from this site with any personally identifying information from any source unless you explicitly submit that information via a fill-in form on our website.
Some of our products will ask you to identify with either Google or Facebook so we can retrieve information on your behalf. We will not look at your individual data. We do reserve the right to aggregate usage data to measure the performance of our applications, but no identifiable personal information will ever be disclosed to third parties.
When you comment or subscribe to an email list, we ask for your name, company, title, role & email address. Your email and any other information will only be used to contact you about updates on Miniter Group. Your personal information will not be distributed to anyone for any purpose.
This site has security measures in place to protect the loss, misuse, and alteration of the information under our control.
If you have any questions about this privacy statement, the practices of this site, or your dealings with this website, you can contact us using at 1-800-MINITER
This Website Privacy Statement was last revised on May 16, 2019.
For purposes of this Terms and Conditions statement only “We (or Us and Our)” is defined as James L. Miniter Insurance Agency, Inc.
These terms and conditions are applicable to the use of this website, regardless of how you accessed it.
Please read these Terms and Conditions carefully. By making use of this website to generate or access a claim, add or remove coverage, request service on a policy, or access your accounts, you agree to be bound by the Terms and Conditions set out below and any additional terms and conditions set forth on individual pages of the website.
Your use of this website constitutes your binding acceptance of these Terms and Conditions, including any changes or modifications made hereafter. The updated, on-line version of these Terms and Conditions shall supersede any prior version. By accepting and agreeing to these Terms and Conditions, you represent that you have full power and authority to enter into and perform this agreement and that such ability is not limited or restricted in any way.
You recognize that it is essential to the success of James L. Miniter Insurance Agency, Inc. that all customer, carrier and vendor information be deemed to be confidential and be properly treated as confidential trade secrets of James L. Miniter Insurance Agency, Inc. Therefore, you agree not to use or disclose any such customer, carrier or vendor information except as may be necessary to conduct business with James L. Miniter Insurance Agency, Inc., and after the end of our business relationship for any reason whatsoever, whether voluntary or involuntary, you will not use or disclose such information for any purpose whatsoever.
You agree not to use for your own benefit or the benefit of any other party, or divulge or disclose to any person, any information not already lawfully available to the public (other than as a result of disclosure by you) concerning James L. Miniter Insurance Agency, Inc. or its business and products or information concerning or obtained for or from any of its customers, carriers or vendors, including but not limited to any information related to trade secrets, know-how, products, product development, methods, business, pricing, marketing or sales strategy, financial information, or customer, carrier, or vendor lists or other information.
You agree that you will not interfere with the business relationship between James L. Miniter Insurance Agency, Inc. and any carrier, vendor or customer doing business with us; or recruit, solicit or induce any carriers, vendors or customers doing business with us to terminate, alter or modify the relationship they have with us. You acknowledge that all persons for whom you provide products, sales or services are, and shall be, construed as customers of James L. Miniter Insurance Agency, Inc., notwithstanding the fact that some or all of the persons or customers may have been induced to give their patronage to us through your efforts or the efforts of others, and notwithstanding the fact that some or all of such customers may have previously been customers of some other company engaged in a business similar to or in competition with James L. Miniter Insurance Agency, Inc.
Insurance products and services promoted through this website are underwritten by various insurance carriers and issued by James L. Miniter Insurance Agency, Inc. which is based in Norwell, Massachusetts. The descriptions of the various products and services contained in this website are provided solely for general informational purposes. The information and descriptions contained herein are not intended to be complete descriptions of all terms, conditions, and exclusions applicable to the products and services.
We provide this information to promote insurance products within specific jurisdictions in the United States of America only. This information is only applicable to and intended for use in those areas in which we transact insurance business.
This website is intended to be used by existing policyholders and authorized vendors of James L. Miniter Insurance Agency, Inc. You are solely responsible for any information you provide us or other users through your use of this website, and you agree that information you provide will be accurate and will not a) infringe any third party’s copyright, trademark or other proprietary rights of publicity or privacy; nor b) be defamatory, libelous, otherwise threatening or harassing, or otherwise violate any applicable law or regulation. You may not use the website to conduct any illegal business or activity.
Information you provide to the website may be lost or destroyed or may be edited or removed from the website by us. We are not responsible for the loss of such information. You should retain copies of all important information you provide to the website. We operate a commercial website, and insurance transactions with James L. Miniter Insurance Agency, Inc. are not intended for children. We do not knowingly collect or solicit any information from or about any children for marketing purposes through this website.
INTELLECTUAL PROPERTY RIGHTS
James L. Miniter Insurance Agency, Inc. names, logos, and marks are the property of James L. Miniter Insurance Agency, Inc. You are not authorized to use any name or mark in any advertising, publicity, or in any other commercial manner without our written consent. All rights in and to the website belong to James L. Miniter Insurance Agency, Inc. You may not modify, publish, create derivative works from, distribute or otherwise exploit any of the website’s protected content without Our prior written consent.
YOU EXPRESSLY AGREE THAT USE OF THIS WEBSITE IS AT YOUR SOLE RISK. NEITHER JAMES L. MINITER INSURANCE AGENCY, INC., NOR ANY OF ITS PARENTS, AFFILIATES, SUBSIDIARIES, ASSIGNEES, LICENSEES, OFFICERS, AGENTS, EMPLOYEES (KNOWN ALL TOGETHER HERE AS “JAMES L. MINITER INSURANCE AGENCY, INC.”) WARRANT THAT THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE.
THE WEBSITE IS OFFERED “AS IS” AND “AS AVAILABLE” WITH NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF SECURITY, TITLE, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. ALL WARRANTIES ARE DISCLAIMED.
JAMES L. MINITER INSURANCE AGENCY, INC. SHALL HAVE NO LIABILITY FOR ANY INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL OR PUNITIVE DAMAGES SUFFERED BY YOU OR ANY OTHER PARTY AS A RESULT OF THE OPERATION, INABILITY TO OPERATE OR MALFUNCTION OF THE WEBSITE, REGARDLESS OF WHETHER OR NOT ANY SUCH PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
You waive any claim against Us based upon the quality or availability of the website, regardless of cause.
You acknowledge that any network communication or activity involves resources beyond Our control, including, without limitation, e-mail, file transfers, and information gathering, and is subject to risks inherent to the Internet and to communications generally. We make no representation that any data sent to or from, or residing at, Our website or systems are safe from destruction, corruption, misdirection, or service interruption.
You agree that We shall not be liable for failure to provide services or access to this website during any period in which it cannot perform due to any cause beyond Our control, including without limitation natural disaster, power failure, accident, labor controversy, act of God, or the intervention of any government authority.
Our website contains links to other Internet sites, including other insurance affiliates, that are not maintained by James L. Miniter Insurance Agency, Inc., (“Third Party Sites”). These links are provided solely for convenience. James L. Miniter Insurance Agency, Inc. makes no warranties or representations about the contents of or any products or services offered by such Third Party Sites. We encourage you to read the terms and conditions of Third Party Sites prior to using them.
We recognize that insurance and financial transactions involve complex financial and legal issues. Nothing on this website is intended as a substitute for professional advice regarding legal, tax, or financial planning matters. You should consult a professional of your choice for individual advice tailored to your situation. In addition, any safety information included in this website is not intended as health or engineering advice, and should not be relied upon as a substitute for professional advice on these topics.
We reserve the right to access and disclose any information necessary to comply with applicable laws and lawful government requests, to operate our systems properly, or to protect us from harm or liability.
This Agreement shall be governed by the laws of the Commonwealth of Massachusetts without regard to its conflict of law provisions. If any provision of this Agreement should be invalid under applicable laws, such provision shall be ineffective to the extent of such conflict without affecting the remaining provisions of this Agreement.
James L. Miniter Insurance Agency, Inc. considers the security of your policy information a top priority. We take extensive security measures to ensure a safe and reliable online experience for all of our customers.
The first level of security is password protection. To gain access to accounts, users must verify their identity with a password.
In order to log in, you must have your web browser set up to accept a “cookie.” This particular cookie is used to remember your account number and password while you are viewing your account information online. Once you have completed your session, the cookie will be erased. For more information about cookies, visit www.cookiecentral.com.
Your password is unique to your account and is designed to protect your account from unauthorized use.
Miniter is not responsible for any lost, stolen, or otherwise disclosed passwords.
Accordingly, your password should be guarded and not provided to anyone.
The second level of security is firewall protection. All James L. Miniter Insurance Agency, Inc. systems are protected with firewalls that limit access to only those customers providing the proper passwords.
The Internet was not originally designed for open access by the general public. However, the popularity and acceptance of the Internet created the demand for more and more companies to make information available from internal computer systems. One of the ways to meet this need is for James L. Miniter Insurance Agency, Inc. to install and maintain a security firewall on our computer network.
Although a firewall is a new word for many computer users, the concept is not. Firewalls act much like the manager of a safe deposit box vault. The same methodology is programmed into software firewalls. Every request for information is authenticated and provided only to authorized individuals. In addition, all activity passing through the firewall is documented.
The third level of security is 128-bit key SSL encryption. Before data is exchanged between the customer and James L. Miniter Insurance Agency, Inc., it is encoded or scrambled with 128-bit key SSL encryption.
All data exchanged over the Internet is divided into small units and sent in envelope type packets. Upon arriving at the computer that requested the information, the packets are reassembled into the original message.
For Internet transactions and communications, you must employ a method of securing these packets as they travel across the Internet. Secure Socket Layer, or SSL, is a leading method for encrypting and decrypting packets of data as they are exchanged using a code known only to the data’s sender and recipient. SSL locks the data so that regardless of the path the data takes as it passes across the Internet, it only can be opened by the end-user with the proper key or combination to the lock on the data.
SSL technology is widely accepted today because the combination needed to unlock SSL encrypted data is 128 bits long. That’s 2128 keys, or 340,282,366,920,938,463,463,374,607,431,768,211,456 unique encryption codes. (That’s 340 trillion trillion trillion, for those of you keeping track at home.) It was determined that if computers kept advancing in speed as they have in the past, these 128-bit codes would remain secure for at least another decade if it not longer. (At which point we may see a jump to 256 bit or larger keys.)
The bottom line is that even if someone could sift your packets of data out of the trillions passing through the Internet every minute, it would take so long for someone to unlock each of the SSL-protected packets, that the data would be out of date and useless by the time it was reassembled.
Even with all the security precautions we have in place, Miniter needs your help in making your accounts as secure as possible. To that end, Miniter recommends customers practice the following security measures: