I. Information Collected Online
How you use the Web site will determine whether or not we need to collect information from you and how much information we collect. For many features, we do not require any information on who you are or ask questions about you. For some of our features, we need to either verify your identity through a login process, or collect sufficient information from you to provide the service of that feature.
B. Email, Product Inquiry
We invite Users to send us email messages regarding products or services. We may retain copies of these email messages, but do not disclose email messages to any non-affiliated third parties.
The information provided through the use of these email messages and feedback forms will be used by our representatives or other appropriate third parties who need to view this information to respond to the inquiry.
Users are encouraged to send emails and access products and services from unrelated service providers through the links on the Web site pages. Users should also review the privacy policies contained on these Web sites for information regarding how the service providers use the information.
A cookie is a small piece of information about an Internet session that may be created when an individual accesses a Web site.
Cookies can contain a variety of information, including the name of the Web site that issued them, where on the site the User visited, passwords, and even Users’ contact information that has been supplied via forms. Note that most Web browsers can be modified by the User to prevent cookies from being attached to the User.
II. Use of Information Collected Online
Commercial Insurance does not sell your non-public personal information to anyone.
All information submitted by any individual to Commercial Insurance may be retained to provide a record of such communications and to comply with any applicable legal and/or regulatory requirements and may be verified for accuracy. In addition:
Commercial Insurance uses any information submitted by you on the Ccommercial Insurance site, as well as information submitted by you on sites of related and/or non-related service providers that are linked to Commercial Insurance, to provide improved customer service, to provide relevant insurance related information, to update information we have about you and/or your group, and to monitor the effectiveness of our online services. In some cases, Commcercial Insurance may use such information to provide you with access to information on products and services offered by Ccommercial Insurance or our affiliates.
If you request to receive e-mail Web site updates and special notices from our Commercial Insurance Web site, Commercial Insurance will use the name and e-mail information you supply to provide those e-mails through its own facilities or those of a contracted service supplier. You may remove yourself from these mailings at any time by following the removal instructions included in all such messages. Your e-mail address information will be used only for CIG Insurance-related mailings and will not be given, sold or rented to any other party for any other use without your prior approval.
Information may also be “cleansed” by Commercial Insurance (stripped of any information which could identify you personally, such as your name or e-mail address), aggregated with other data, and used for general research, classification purposes, marketing, or other purposes without permission, but only in non-individually identifiable forms.
III. Access to Information Collected Online
Certain employees may be provided with information regarding Users in order to respond to the individual’s needs and provide requested information regarding specific products or services. Certain employees will also be provided with information regarding Users in order to administer their insurance programs and to monitor the effectiveness of our online services. Employees are required, by written confidentiality agreements, corporate policies, and state or federal laws or regulations to maintain the confidentiality of personal information and to use strict standards of care in handling the information. Employees who do not conform to these confidentiality requirements are subject to disciplinary sanctions that may include dismissal.
B. Commercial Insurance Group, Inc. Affiliates and Service Providers
We may disclose personal information of Users collected through this Web site as permitted by law to affiliates including, but not limited to, unrelated service providers that assist in meeting the needs of customers and clients. Information collected by affiliates and unrelated service providers may also be shared with us as permitted by law. All such information will be disclosed to respond to the individual’s needs and to provide information about products or services offered by or through our affiliates and the unrelated service providers. Personal information is treated with the same standards of confidentiality that we apply to other confidential information.
C. Third Parties
Other than as set forth above, we do not transmit any personal information collected through the Web site to any third party without the permission of the individual. Personal information may be transmitted, however, if there is a specific need to complete a transaction requested by the individual.
D. Online Communications Services
We have access to messages sent by or to customers and clients who choose to use any online communications services. We will not release the content of specific messages to any third party without the customer’s or client’s consent, unless permissible or required under applicable state or federal law.
IV. Compliance Assurance
We use commercially reasonable computer security technology selected and implemented to provide adherence to the security and privacy policies described in this online posting. Although reasonable efforts have been made to protect your information from unauthorized use or alteration, Users should be aware there is always some risk in sending information over the Internet and/or via email message.
B. Account Access
Consistent with the requirements set forth under certain state and federal laws, we grant access to personal information only to those employees, affiliates, and third parties as required to provide insurance products and services, or as you permit. All such employees, affiliates and third parties are subject to privacy policies, at least as restrictive as the policy described in this online document.
C. Questions and Concerns
Information provided by this service resides on a computer system funded by Commercial Insurance. Anyone using this system consents to the monitoring of this use by security, system or law enforcement personnel.
The information and materials contained in this Internet site, including text, graphics, links or other items, are provided “as is” or “as available.” Commercial Insurance does not warrant the accuracy, completeness or adequacy of this information and materials. Commercial Insurance expressly disclaims liability for errors or omissions in this information and materials. No warranties of any kind — implied, expressed or statutory, including, but not limited to, the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular use or purpose, and freedom from computer virus — are given in conjunction with the information and materials.
In no event will Commercial Insurance, including employees, officers or directors of Commercial Insurance, be liable for any damages, including, but not limited to, direct or indirect, special, consequential, incidental damages or punitive damages, losses or expenses arising in connection with this Internet site or use thereof or inability to use by any party, or 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 Commercial Insurance is advised of the possibility of such damages, losses or expenses. These Terms and Conditions do not apply to hyperlinks to other Internet resources; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored or endorsed by Commercial Insurance.
All documents available from this server may be protected under the U.S. and Foreign Copyright Laws. Permission to reproduce may be required. Commercial Insurance retains all rights to the information provided by this service, including, but not limited to, the right of distribution.
Limitation of Jurisdiction
By accessing, transmitting or viewing any information on this home page or within this Web site, you agree to be subject to personal jurisdiction in the State of Kansas. Any transaction or occurrence arising out of accessing, transmitting or viewing any information on this home page shall be judged in accordance with the laws of the State of Kansas.
Any person who knowingly and with intent to defraud and deceive any insurance company submits an insurance application or statement of claim containing any false, incomplete or misleading information may be subject to civil or criminal penalties, depending upon state law.
Commerical Insurance Group supports fraud detection, investigation, and prosecution to limit the added costs due to insurance fraud.