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Kaercher & Associates Insurance Brokerage (“Kaercher
& Associates”) strives to achieve the highest standards of
integrity for every online visitor. When you register at a Kaercher
& Associates Web site, we aim to respect your privacy. This Privacy
Policy sets forth how we handle what we learn about you when you visit
our Web site, including:
- The information we collect
- The choices that are available to you regarding how your information is used and to whom it is disseminated
- Your rights to access and correct or update your personally-identifiable information
- The misuse or alteration of your information while under our control
If you have any questions or comments about Kaercher & Associates’ Privacy Policy, please e-mail us.
NOTICE: Information we collect and how we use it
Kaercher & Associates collects two types of information about
you when you visit our site: personal information (including, by way of
example only, your name, address, telephone number and e-mail address)
and non-personal, aggregate information (such as information regarding
the pages on our site that you have visited and your IP address).
1. Personally-identifiable information — What we collect
Visitors to this Web site browse the site anonymously. Visitors are not
required to provide any personal information in order to access our Web
site. The only personally-identifying information we collect and store
about you is the information that you choose to provide to us.
Electronic mail
We will also gather personally-identifiable information, such as your
e-mail address, when you send us an e-mail. We will use this
information to respond to your e-mail.
Online quotes
We sometimes request personal information in order to provide you with
customized rates. For example, your state is used by some of our
quoting engines to assign the appropriate rates based on location.
Information you enter into a calculator or tool is collected
anonymously.
Contests
From time to time, we may request information from you in connection
with contests that we offer on our Web sites. Participation in these
contests is completely voluntary; you have a choice whether or not to
disclose this information. Information requested may include contact
information (such as name and shipping address), and demographic
information (such as zip code, age level). Contact information will be
used to notify the winners and award prizes.
Kaercher
& Associates may co-sponsor contests with other companies, in which
case the user’s individual contact and demographic information is
likely to be shared with these companies. We will request that these
companies maintain the privacy of the registrants’ information.
Nevertheless,
please be aware that we are not responsible for the privacy practices
of such other sites. We encourage our users to read the privacy
statements of each and every Web site that they visit. This privacy
statement applies solely to information collected when you visit our
Web site.
Business partners / Professional visitors
Business partners and professional visitors requesting access to
specialized content areas of our Web sites may be required to provide
identifying information. In addition, business partners and
professional visitors may be required to submit their Federal Express
or UPS account numbers when placing an order on this Web site.
2. Sharing your information
We may share your personally-identifiable information with companies
within the Kaercher & Associates family of companies. We do not
resell or transfer personal information to unaffiliated third parties
for marketing purposes.
We use outside shipping companies to ship all commercial orders, as
well as all overnight shipments for consumer orders. If you order from
us, we will share your personally-identifiable information with these
companies to fulfill your order. We will also share our commercial
customers’ Federal Express and UPS account numbers with these companies
in order to fulfill commercial orders. These parties are not permitted
to use your data for any purpose other than performing these services.
3. Non personally-identifiable information — What we collect
Kaercher & Associates Web sites may collect non-personally
identifiable information during your visit, such as type of browser,
operating system, domain name, or IP address. An IP address is a number
that is automatically assigned to your computer whenever you’re
browsing the Web. Web servers automatically identify your computer by
its IP address. When you visit pages on Kaercher & Associates Web
sites our servers log your IP address. We do not link IP addresses to
any personally identifiable information. This means that your session
will be logged, but you remain anonymous to us. IP address information
is used only to analyze trends and gather broad demographic information.
Kaercher & Associates also collects information through various
environmental variables. “Environmental variables” include, among other
things, the domain from which you access the Internet, the time you
accessed our Web site, type of Web browser and operating system or
platform used, the Internet address of the Web site you left to visit
Kaercher & Associates’ Web site, the name of the pages you visit
while at our Web site, and the Internet address of the Web site you
then visit. We collect all of this information to allow us to detect
broad demographic trends, to provide information tailored to your
interests and to enhance your experience on Kaercher & Associates’
Web sites.
4. Links
Our Web sites may contain links to other sites. Please be aware that we
are not responsible for the privacy practices of such other sites. We
encourage our users to read the privacy statements of each and every
Web site that they visit. This privacy statement applies solely to
information collected when you visit our Web site.
5. Special policy regarding information from children under thirteen
This Web site is not targeted to children under the age of 13, and we
do not knowingly request personally identifiable information from any
child under the age of 13 without parental consent. When we do receive
such information, we delete it as soon as we discover it and do not use
it or share it with third parties.
6. Choice
NPG provides the following choices regarding the use of your
information. You may choose not to provide us with any contact
information.
Our online quotes and applications contain a box for you to indicate
whether or not you consent to receive special offers and promotions
from us. Unless you give us your permission to use your personal
information for these purposes, we and our partners will only use it to
complete the transaction you have requested. If you consent to receive
communications, but you later change your mind, you can deactivate or
modify your user data.
7. Web site security
Our systems are configured to provide privacy, integrity, and
authentication in Internet communications. The security measures we
have taken help ensure that your data is secure and encrypted, so that
a third party cannot capture, read or access the information while it
is in transit between your computer and our system.
Specifically, we use a secure server and security protocol to
safeguard the information you provide during the purchase and payment
processes. We use a secure server implementing the Secure Sockets Layer
(SSL) protocol to interact with you when you provide personal
information during the purchase and payment processes. Every secure
page has been secured with a digital certificate. This is shown via the
site certificate that resides on all secure pages. To view this
certificate, click on the image of the “closed lock” or the “solid key”
on the bottom of your browser window. A small frame displaying site
security information will appear. Click on “Issuer” to verify the site
certification authority.
We limit internal access to our servers and adhere to high standards
of ethics and integrity in performing our jobs and conducting business.
8. No warranty
The information and materials contained in this site—including text,
graphics, links or other items—are provided “as is,” “as available.”
Kaercher & Associates does not warrant the accuracy, adequacy or
completeness of this information and materials and expressly disclaims
liability for errors or omissions in this information and materials. No
warranty of any kind, implied, express or statutory, including but not
limited to the warranties of non-infringement of third-party rights,
title, merchantability, fitness for a particular purpose and freedom
from computer virus, is given in conjunction with the information and
materials.
9. Copyright
Materials copyrighted by Kaercher & Associates or owned by any
individual or entity are presented here for personal, non-commercial
use only. Documents, content or images contained in this Web site may
not be copied or reproduced in any form without the written permission
of Kaercher & Associates.
10. Limitation of liability
In no event will Kaercher & Associates be liable for any damages,
including without limitation direct or indirect, special, incidental or
consequential damages, losses or expenses arising in connection with
any failure of performance, error, omission, interruption, defect,
delay in operation or transmission, computer virus or line or system
failure, even if Kaercher & Associates, or representation thereof,
are advised of the possibility of such damages, losses or expenses.
11. How to contact us
If you have any questions about this privacy policy please e-mail us at tbott@kcaib.com. Please reference the “Privacy Policy” in those communications.
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