At O’Neil, Lee & West Personal & Commercial Insurance, Inc. (“OLW”), protecting your privacy is important. We know you are interested in how we collect, use, share, and protect your information. We promise to treat your personal information responsibly and provide you with choices about how we use and share it. This privacy statement describes how OLW collects and uses the personal information you provide on olwinc.com.
Collecting, using, and sharing visitor information
Online Information Practices
• Recognize your browser or device
• Remember your preferences and interactions
• Collect information about our website usage and email response
• Log activity on our website
• Market products or services to you
How to control cookies through your browser settings
All major internet browsers allow you to block or delete cookies through the privacy features in your browser. Please note that if you block cookies by selecting the appropriate settings on your browser, then you may not be able to use the full functionality of this website.
Third party disclosure
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information.
Third party links
OLW does not include or offer third party products or services on our website at this time. This policy will be updated to reflect such action, if applicable.
Opting out of behaviorally targeted advertising
You can access TRUSTe’s Advertising Choices website and submit opt-outs to prevent third parties from showing you targeted ads. Please note that you may continue to see generic or non-targeted ads from these companies after you opt-out.
Site contact forms
Visitors can choose to use site tools to tell us what they think about our site. We collect and use the comments, requests and other feedback that visitors provide to improve your experience on our site.
We have business partners who help develop or service our websites. They may track and keep visitor information.
Web links and Widgets
Other companies or organizations may have links to their websites on our Web pages. Our website may also include social media widgets, such as the “share this” buttons and links to third party websites, like Facebook and Twitter. These features may collect your IP address, the page where you visited on our site, and may place a cookie to enable these features to function properly. We are not responsible for how these third parties collect, use, disclose or secure the information that you provide to them. Please read their privacy statements so you can learn how their website uses your information.
Collecting, using, and sharing your personal information
We require you to share your personal information with us for some of our online activities. These activities include applying for products or services and asking us questions and any other engagement made through our site.
Personal information is any information that identifies you and describes your relationship with us. Some examples of the information that we may collect include:
• Name, address, and Social Security number
• Assets and income
• Property address and value
• Account and policy information
• Driver’s license number
• Financial information
• Credit reports and other consumer report information
• Information from applications and transactions
• Any information you provide us
• Public information
If you apply for a product or service, we may collect information from your consumer reports, such as your credit report or motor vehicle report. We may use an “insurance score.” An insurance score uses information from your credit report to help predict your future claims. Typical items that could affect an insurance score include payment history, number of revolving, new and collection accounts, bankruptcies, and foreclosures.
You may request the credit report source. In rare instances, we may also need to collect your medical information. However, we will not use or share your medical information for marketing, unless you give us your permission.
We collect your personal information when you:
• Ask a question
• Apply for products or services
• Complete a form
• Conduct transactions
• Send email to us
We will retain your personal information for as long as your account is active or as needed to provide you services (e.g., quoting, re-quoting, account management.) We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Sharing customers’ personal information for servicing
We don’t sell your information.
When you buy a product, we may share your information with our business partners to service your product, to conduct research and analytics, and to conduct surveys. We may also share your information with your agent, investment advisor, investment company, broker-dealer, or transfer agent affiliates. They use your information to manage your policy or account.
We also share your information for everyday business and servicing purposes and as permitted by law. You cannot opt out of these. Some examples include:
• Mailing your statements or processing transactions that you request.
• Responding to a subpoena or governmental requests
• Investigating fraud
• Disclosing your information in connection with the sale or purchase of a business
Sharing customers’ personal information for marketing
We want our customers to have choices about how and when they do business with us. OLW sells insurance products through many different sales channels, such as agents, the Internet, or over the phone. All of these different sales channels make it easy for you to buy our products and interact with us. We will not use your information to solicit unwanted marketing or communications without customer consent and you may opt-out at any time.
Confidentiality and security
We use reasonable physical and technical safeguards to protect your personal information, both during transmission and once we receive it. You may also choose to correspond with us via email. No method of transmission over the Internet, including via email, or method of electronic storage is 100% secure so, we cannot guarantee its absolute security, however, our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible.
We use regular Malware Scanning. We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information.
We limit access to your personal information. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology. The law requires our business partners to use your personal information only for our purposes. They may not share it or use it in any other way. We comply with all federal and state data security laws.
All transactions are processed through a gateway provider and are not stored or processed on our servers.
Access to Personal Information
If you are a customer, you can ask us for a copy of your personal information and correct or change it if necessary.
COPPA (Children Online Privacy Protection Act)
When it comes to the collection of personal information from children under 13, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation’s consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online. We do not specifically market to children under 13.
Fair Information Practices
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.
In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur we will notify the users via email within 7 business days and we will notify the users via in site notification within 7 business days.
We also agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or a government agency to investigate and/or prosecute non-compliance by data processors.
CAN SPAM Act
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
We collect your email address in order to send information, respond to inquiries, and/or other requests or questions.
To be in accordance with CANSPAM we agree to the following:
• NOT use false, or misleading subjects or email addresses
• Identify the message as an advertisement in some reasonable way
• Include the physical address of our business or site headquarters
• Monitor third party email marketing services for compliance, if one is used.
• Honor opt-out/unsubscribe requests quickly
• Allow users to unsubscribe by using the link at the bottom of each email
If at any time you would like to unsubscribe from receiving future emails, you can follow the instructions at the bottom of each email and we will promptly remove you from ALL correspondence.
O’Neil, Lee & West Inc.
3222 Corrine Drive, Suite C
Orlando, FL 32803
www.olwinc.com | email@example.com
This privacy statement was updated on January 14, 2015.