Please also review the Terms of Service that govern your use of our Services.
1. Information we collect from you when you visit company sites
Like many websites, our server logs capture, and we have in the past 12 months collected, the following internet or other electronic network activity information: information regarding Company Site users’ operating systems, browser software, type and language, IP (Internet Protocol) addresses, location data, mobile device ID, services navigation history and habits, operating system, and the full Uniform Resource Locator (URL) clickstreams to, through and from the Company Sites, including date and time. We may use this information to improve the services we provide through the Company Sites, to monitor and improve the performance of our servers, to administer the Company Sites, and to protect and defend our rights, property or safety or that of our clients and other users of the Company Sites. We may collect, the fact that Company Site visitors’ watched and when they watched programs on the Company Sites. We may log this information to determine which videos that Company Sites’ visitors consider useful.
2. Information you submit to us through the company sites
You are not required to submit any Personal Data to the Company Sites. However, you may choose to do so by completing forms available in several sections of the Company Sites, including our survey or an insurance pre-qualifier or application. “Personal Data” means data that allows someone to identify or contact you, including, for example, your name, address, telephone number, e-mail address, social security as well as any other non-public information about you that is associated with or linked to any of the foregoing data. We may collect Personal Data from you, such as (i) your first and last name, e-mail, mailing address, social security number, and phone number, (ii) data you provide on a job application, (iii) financial information, such as your insurance policy information and premium payment or claims history, or (iv) credit card, bank account or other account information as may be required to facilitate your payment of insurance premium or similar amounts, which payment generally is made through systems maintained by third parties, such as insurance carriers or our payment processor. If you provide us feedback, complete the survey or contact us via e-mail, we will collect your name and e-mail address, as well as any other content included in the form. We may also collect Personal Data at other points in the Company Sites that state that Personal Data is being collected. We use that information for the purpose for which it was collected and in accordance with the privacy wording on the relevant part of the Company Sites. In addition, we may use this information to:
- carry out any obligations arising from any contracts entered into between you and the Company;
- provide you with insurance coverage and related services;
- communicate with you about insurance policies and premiums;
- assist with claims management or processing of insurance claims and payments;
- communicate with you about our business;
- provide publications, products and services you request;
- invite you to, and register you for, events;
- add you to mailing lists and send you marketing materials we believe will be of interest to you;
- process and respond to requests, enquiries and complaints;
- develop new Services, conduct research and to create anonymous or aggregated reporting for its own use;
- evaluate and improve the Services we offer or may offer in the future;
- maintain the safety, security, and integrity of our Services, for example, by authenticating users and providing account security and fraud detection;
- monitor, detect, and prevent fraud and improper or illegal activity;
- use inferences drawn from personal information to create a profile reflecting your preferences, so we can tailor our Services to you;
- process and complete transactions, including collecting payment and contact information to process your transactions;
- process your employment application, including verifying statements made on your application (e.g., credit and employment history) and performing background and credit checks; and
- comply with legal and regulatory requirements.
If you choose, you may interact with the Company via social media websites, plug-ins, or applications. Your privacy settings on social media platforms determine the information made available to the Company when you engage with the Company via social media. Please refer to the privacy statements, settings and helps guides of these social media platforms to learn more.
Your information may be accessed by third party service providers who will process that information solely for our benefit and in accordance with our instructions - see Section 6 below for more information. However, we will not provide your personal information to or share it with any third party for their own marketing purposes except in connection with requests you make that clearly involve third parties. This might include publications produced by third parties or events that are presented or sponsored by third parties. This will be made clear to you before you sign up for the publication or event.
You shall, in relation to any Personal Data shared with the Company pursuant to the use of the Company Sites or services provide all notices, obtain all consents and take all other steps required by applicable laws in relation to your collection, processing, sharing with the Company and the Company’s use as envisaged by this Policy of such Personal Data.
By completing our survey or any other form submission on the Company Sites, you grant the Company a royalty-free irrevocable license to use the data on an anonymous basis by excluding information (such as your company name) that makes the data identifiable to your company (the “Anonymous Data”). We reserve the right to use Anonymous Data for any purpose and disclose Anonymous Data to third parties in our sole discretion.
3. Your rights to access and update your personal information
The Company takes appropriate steps to avoid unauthorized changes to personal information you submit to the Company Sites. For so long as the Company elects to continue to provide the Company Sites, and provided that you comply with all agreements concerning use of these sites, we will make all reasonable efforts to provide you with online access to your registration data and other personal information so that you may view, update or correct it. To protect your privacy and security, we will also take appropriate steps to verify your identity before granting you access or enabling you to make corrections.
We retain information that is collected through the Company Sites only for as long as needed for the purpose for which it was provided, or as otherwise required for our legitimate business purposes. Even if you are no longer our customer, we may continue to share your information as described in this Policy. Your information may be retained for longer periods if there are valid legal grounds, for example if required by law or court order or to defend or pursue legal claims.
You may opt out of receiving marketing and market research communications at any time by using the unsubscribe links provided.
4. Legal basis for processing your personal information
We are generally unable to perform insurance brokerage or other insurance or financial industry services on your behalf without collecting, using, or disclosing your Personal Data. Typically, you will provide this required information to us directly within insurance applications or in connection with other communications. Other times, we may receive this and other Personal Data from third parties, including insurance carriers and other industry service providers, and other third parties with which you maintain a relationship (for example, your employer or financial service or medical or health providers). The majority of the personal information collected by the Company is provided by you voluntarily on the Company Sites, for example when you complete our survey, pre-qualifier questions, an insurance application or sign up to join a mailing list or register for an event, and is therefore collected with your permission. The remaining personal information is collected for the Company’s legitimate business purposes, for example to monitor and improve the quality of the Company Sites and our services, and to protect and defend our rights, property or safety or that of our clients and other users of the Company Sites.
6. Sharing of information
We have in the last 12 months disclosed for a business purpose the following categories of personal information: (i) Identifiers (name, email address, phone number, postal address, IP (Internet Protocol) address, personal and professional interests); (ii) Internet or other electronic network activity information (information regarding operating system, browser software, information regarding interaction with the Company Sites, namely the full Uniform Resource Locator (URL) clickstreams to, through and from the Company Sites, including date and time, and that programs on the Company Sites were watched and when they were watched); and (iii) professional and employment information.
8. Children's privacy
We are committed to complying with the Children's Online Privacy Protection Act (COPPA). The Company Sites and services are not directed to children under the age of 18. We do not knowingly collect personal information from children under the age of 13. If we receive personal information that we discover was provided by a child under the age of 13, we will promptly destroy such information. Schools and parents should supervise their children's online activities and consider the use of other means to provide a child-friendly online environment. Additional information is available on the Direct Marketing Association's home page at http://www.the-dma.org. If you would like to learn more about COPPA, visit the Federal Trade Commission home page at http://www.ftc.gov.
The Company Sites use measures that are appropriate to protect your personal information against unauthorized access, improper use or disclosure, unauthorized or unlawful destruction or accidental loss, and all our employees and any third parties that process your personal information on our behalf are obliged to respect the confidentiality of your information. However, no data transmission over the Internet or other network can be guaranteed to be 100% secure. As a result, while we strive to protect information transmitted on or through the Company Sites or Services, we cannot and do not guarantee the security of any information you transmit on or through the Company Sites or Services, and you do so at your own risk.
10. Agreement, changes
11. Special notice to international users
If you are visiting the Company Sites from outside of the United States, please be aware that the Company is based in the United States. Further, the Company Sites are only intended and directed towards our operations and business in the United States. Thus, you are on notice that information we obtain through the Company Sites will be transferred to, processed, and stored in our servers in the United States. The data protection laws and regulations applicable to your personal information transferred to the United States may be different from the laws in your country of residence.
12. User-generated content
Our Services, now or in the future, may provide online forums through various potential functionalities, including messaging, comments, chat rooms, blogs, and other similar mechanisms, which may allow you or its third-party business partners to provide user-generated content. The Company has no control whatsoever over the user-generated content contained in such a forum provided through our Services, and therefore will bear no liability for the content’s accuracy, suitability, legality, or inoffensiveness. The Company bears no responsibility or obligation to monitor user-generated content, but nevertheless reserves the right to remove or edit user-generated information for any reason whatsoever.
13. Contacts; rights
To limit our disclosure of your Personal Data with affiliates or non-affiliates for marketing purposes (and for any other purpose which applicable law provides you a right to require us to limit our sharing of your Personal Data), you may at any time submit a request to us by contacting Frontier Risk Group Inc. and Frontier Risk Insurance Services LLC at firstname.lastname@example.org or 1-833-FRG-RISK (1-833-374-7475).
You may have additional rights concerning the disclosure or sharing of Personal Data under state law. Each request will be reviewed and responded to in accordance with applicable laws. In order to cover internal costs for responding to access requests, the Company may charge a reasonable fee to individuals desiring access to their personal information.