Last Effective Date: December 14, 2022
This bayharbourinsurance.com website is owned and operated by Bay Harbour Insurance Agency (also referred to as "we", "us", this "website" or this "site").
THE TYPES OF INFORMATION WE COLLECT
Personal InformationWe use the term “personal information” to refer to any information regarding a natural person that may be used directly to identify the person (e.g., name and email address).
Personal information also includes usage data that is automatically collected when you use this site including other interactions with us. Usage data that does not directly identify you by name or include your contact information, may be used to identify that a specific computer or device has accessed our site and which if combined with certain other information could be used to identify you. (See below, Automatically Collected Information When You Use This Site)
HOW AND WHEN WE COLLECT INFORMATION
When You Provide Personal Information to Us We collect personal information at the time you provide it to us. We may collect personal information through sign-up forms and as part of your registration for an account, product, or service, promotion, or contest from this website. Personal information that we collect may vary with each sign-up or registration. As indicated above, we may collect publicly available personal information posted on social media profile information including photos both directly and through the use of contact management applications.
Automatically Collected Information When You Use This SiteWe and/or our third-party service providers collect device information, IP addresses, and other usage data about your computer or device and usage data as you use this site and track across third-party websites, including your interactions with emails we send, and via social media platforms, third-party platforms, third-party websites, applications, and integrations, and Services of our marketing partners. This data may be passively or automatically collected (that is, gathered without your actively providing the information) using various analytics and reporting technologies, such as cookies, web beacons, and other similar methodologies. (See below, COOKIES AND WEB BEACONS)
HOW WE USE AND PROCESS YOUR INFORMATION
Generally, we may use and process your personal information for the performance of the services or transaction for which it was given and for the basic purpose of this site.
We may use your personal information (i) in connection with our products, services, promotions, or contests we may offer, (ii) our private, internal reporting for this site, and security assessments for this site to (iii) monitor and improve the operation of this site, market our services, improve the quality of our services; (iv) for educational, analytics, networking, social, and other business purposes; and (v) for purposes of serving personalized ads based on your interests. We may also send you email messages related to site updates and certain site features or your activity on this site.
To assist us with these uses, we may supplement the information we collect from you with information from other sources including our clients, other referral sources, and publicly available sources (e.g., social media).
We use, process, and archive personal data including usage data in the United States and in other countries that may not have data protection laws as protective as those in your location.
We may also send you messages related to certain features or your activity on this site. We may also send you news or updates about changes to our site or services. By default, you will receive these messages via email.
INFORMATION SHARING AND DISCLOSURE
We will never sell or share, or provide access to, your personal information with third parties, except: (i) with your consent; (ii) in connection with providing our services; (iii) with our affiliated entities (e.g., subsidiaries); (iv) with our service providers that assist us with providing our services, maintaining and operating our site, and transmitting our marketing materials; (v) with our third-party marketing partners including advertising networks and advertising agencies (see below, PERSONALIZED ADS); (vi) with successor entities (e.g., if we are acquired by, merge with, another business); (vii) for protecting our legal rights; or (viii) as otherwise required or permitted by law.
YOUR CALIFORNIA PRIVACY RIGHTS
Under California Law SB 27, California residents have the right to receive, once a year, information about third parties with whom we have shared information about you or your family for their marketing purposes during the previous calendar year, and a description of the categories of personal information shared. To make such a request, please send an email to the email address provided in our contact information below and include the phrase "California Privacy Request" in the subject line, the domain name of the Web site you are inquiring about, along with your name, address and email address. We will respond to you within thirty days of receiving such a request. (See below CONTACT US)
COOKIES AND WEB BEACONS
Cookies"Cookies" are tiny pieces of information stored by your browser on your computer's hard drive. Cookies are also used to customize content based on your browser. Most browsers are initially set to accept cookies. If you want to disable cookies, there is a simple procedure in most browsers that allows you to turn off cookies. Please remember, however, that cookies may be required to allow you to use certain features of our site.
Web Beacons Web beacons (sometimes called single-pixel gifs or clear gifs) are used to assist in delivering cookies, and they allow us to count users who have visited pages of our site. We may include Web Beacons in promotional e-mail messages or our newsletters in order to determine whether messages have been opened and acted upon. (See below, PERSONALIZED ADS)
Third-Party CookiesWe may partner with third-party advertising networks to either display personalized ads on our website or to manage our advertising on other sites. You may receive personalized ads based on information relating to your access to and use of the website and other websites or online services on any of your devices, as well as on information received from third parties. Our ad network partners place or recognize a unique third-party cookie on your browser, including through the use of pixel tags. They also use these technologies, along with information they collect about your online use, to recognize you across the devices you use, such as a mobile phone and a laptop.
How to Manage CookiesYou can control the placement of cookies and other data collection methodologies for purposes of opting out. You should note that although most browsers are initially set up to accept cookies, you may be able to change your browser settings to cause your browser to refuse first party or third-party cookies or to indicate when a third-party cookie is being sent. However, disabling or limiting cookies may cause certain features of this website to not function properly or optimally. Check your browser's "Help" files or other similar resources to learn more about handling cookies on your browser. In addition, visit -->https://www.allaboutcookies.org/manage-cookies/
Digital Advertising Alliance (DAA). DAA member advertising associations have developed an industry self-regulatory program to give consumers a better understanding of and greater control over ads that are customized based on their online behavior across different websites. To make choices about interest-based ads from participating third parties, please visit DAA Consumer Opt-Out page https://www.aboutads.info/consumers.
Opting Out with Ad Choices for Mobile Devices. When using mobile applications, you may receive personalized in-application advertisements. Depending on your device, you may be able to reset your mobile device's advertising identifier at any time by accessing the privacy settings on your mobile device. In addition, each operating system (iOS for Apple phones, Android for Android devices and Windows for Microsoft devices) provides its own instructions on how to prevent the delivery of personalized in-application advertisements. You may review the support materials and/or the privacy settings for the respective operating systems in order to opt-out of these advertisements. For any other devices and/or operating systems, please visit the privacy settings for the applicable device or contact (or review the applicable privacy web page of) the applicable platform operator.
We may participate with third-party analytics partners to monitor and analyze Web traffic and to keep track of user behavior on this site. These parties place or recognize a unique third-party cookie on your browser, including through the use of pixel tags. (See above THIRD-PARTY COOKIES)
Google Analytics is a third-party web analysis service. Google utilizes the data collected to track and examine the use of this site, to prepare reports on its activities, and to share them with other Google services. Information collected: personal data including usage data and cookie data. You may opt-out of the Google Analytics service with the Google's Browser Add-on that's available at https://tools.google.com/dlpage/gaoptout .
DO NOT TRACK REQUESTS
We do not respond to "Do Not Track" signals at this time.
We will implement and maintain administrative, technical, and physical safeguards to protect the information that we collect. Unfortunately, no data transmission over the Internet or method of data storage can be guaranteed 100% secure. We do not, and cannot, ensure or warrant the absolute security of your information.
ONWARD TRANSFER OUTSIDE YOUR COUNTRY OF RESIDENCE
Any personal information which we may collect on this site will be stored and processed in our servers located only in the United States. By using this site, if you reside outside the United States, you consent to the transfer of personal information outside your country of residence to the United States.
UPDATING PERSONAL INFORMATION
We reserve the right to permit you to access your personal information in any account you establish with this site for purposes of making your own changes or updates, and in such case, instructions for making such changes or updates will be provided where necessary.
LINKS TO THIRD-PARTY WEBSITES
CHILDREN'S ONLINE POLICY
We are committed to preserving online privacy for all of its website visitors, including children. This site is a general audience site. Consistent with the Children's Online Privacy Protection Act (COPPA), we will not knowingly collect any information from, or sell to, children under the age of 13. If you are a parent or guardian who has discovered that your child under the age of 13 has submitted his or her personally identifiable information without your permission or consent, we will remove the information from our active list, at your request. To request the removal of your child's information, please contact our site (see below, CONTACT US), and be sure to include in your message the same login information that your child submitted.
CALIFORNIA’S ONLINE “ERASER” LAW FOR MINORS
Minors who reside in California and are registered users for any service provided by this site may remove or request us to remove any content or information they have posted to this site. Please understand that any such removal does not ensure complete or comprehensive removal of the posted information (if, for example, the content or information is “invisible” to others but remains on our servers in some form. (See below, CONTACT US)
Bay Harbour Insurance Agency, Inc.
Attn: Privacy Officer
88 Waverly Ave.,
Patchogue, NY, 11772