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Privacy Policy Information

PRIVACY POLICY AND TERMS OF USE

 

Welcome to Keystone Insurance Services, Inc. We hope you are enjoying your visit to our website. Because we care about you, we provide our Privacy Policy and Terms of Use as stated below:

Keystone Insurance Services, Inc. (“Agency”), respects the privacy rights of individuals who visit, use, and interact with (collectively “Users”) this website and/or portal (“Site”). Information may be collected from Users during their visits to this Site in order to allow the Agency to provide better service. The Agency is concerned about treating this information with care, so it has implemented this Privacy Policy (“Policy”), which has been updated on September 5, 2019.

 

Types of Information Collected and How it is Used:

 

Aggregate Information: The Agency may collect information that is not personal information about Users to measure traffic on the Site. This information is collected automatically on an aggregate basis (“Aggregate Information”) through the use of a “cookie” or small text file placed on the User’s hard drive by the User’s Internet browser. The cookie allows the Agency to track the number of hits or visits to various pages on the Site. The cookie is used only during a single connection to the Site, and is not used to track User activity after leaving the Site. The cookie is permanently disabled when the User exits the Site, and information about individual Users is not collected, saved or distributed to others by Agency except as provided for in this Policy. Aggregate Information helps the Agency understand Users’ needs, improve the Site, and demonstrate to others the volume and nature of Site traffic. Aggregate Information may be shared with third parties as described in the section called “Information Provided to Third Parties” below.

 

Google Analytics: Please be aware that Google Analytics Demographics and Interest Reporting may be tracking visitor data on this Site. Google Analytics may use cookies to collect this data, which is used to get a better general understanding of the type of individuals visiting the Site; to collect aggregated site-visitation statistics; and to improve marketing and customer service initiatives through the Site. This information will not be sold to third parties, and the data collected by Google Analytics Demographics and Interest Reporting is not personally identifiable. If you'd like to opt-out of Google Analytics Demographics and Interest Reporting, Click Here.

 

User Information: User information from the Site may be obtained, retained, and/or used (collectively “Used”) by the Agency to facilitate Users’ access to, use of, and/or participation in any products/services/resources/surveys (collectively “Services”) from the Site. Information about Users may be provided by the Agency to other entities, such as insurance carriers; vendors; agents/agencies brokers/brokerage firms and any others providing Services through the Site (collectively “Service Providers”), and such information may be Used by the Agency and Service Providers.

 

Services Information: Information from Users on the Site may be Used by the Agency, such as, but not limited to, for processing requests for and/or participation in Services offered by or through the Agency, including, but not limited to, from Service Providers. Such information about Users also may be provided to and Used by Service Providers, as described in the section called “Information Provided to Third Parties” below.

 

E-mail Information: Information that the Agency receives from Users via e-mail may be Used by the Agency and may be provided to and Used by third parties as described in the section called “Information Provided to Third Parties” below.

 

Information about Children Under 13: Our Site is generally intended for adults interested in obtaining insurance and it is unlikely that children under the age of 17 will use the Site. It is the Agency’s policy not to collect personal information of children under age 13. If it is necessary to collect such personal information from a child identified as being under age 13, the Agency will do so only after obtaining verifiable parental consent. If the Agency becomes aware that it has inadvertently collected personal information from a child under age 13 without parental consent, such personal information will be deleted from the Agency’s system.

 

Information Provided to Third Parties: Information collected on this Site will only be provided to third parties in the manner specified in this Policy. Those who do not want their information shared in this manner should not provide the information. Information Used by the Agency may be provided to third parties, such as, but not limited to, Service Providers. Information shared with such third parties may be Used to conduct business, including, without limitation: 1) completing the transaction(s) requested by the User; and 2) serving Users and/or reporting on transactions, activities, and Services conducted with or facilitated by the Agency. The Agency also may disclose such information to comply with the law or legal process; to exercise the Agency’s legal rights or defend against legal claims; to enforce the Agency’s policies (including, without limitation, its Terms of Use); and/or to protect the rights, property or safety of others.

 

Security:

The Agency uses a combination of industry typical security measures to protect personal information it collects. Such measures will change from time to time. The Agency makes no representations or warranties of any kind, express or implied, that such measures will protect all personal information collected, however the Agency will make reasonable efforts to protect such information from unauthorized access. To support some technologies, users must have security-capable browsers. Users are responsible for maintaining the secrecy of their user names, passwords, and any account information, and it is important to sign off when Users have completed using a computer accessible by others.

 

Links to Other Sites:

This Site contains links to Internet sites of Service Providers, other Agency partners/vendors, and other businesses and resources (collectively “Linked Resources”), and each Internet site of Linked Resources may have its own privacy and data collection policies and practices. The Agency is not responsible for the privacy and data collection policies and practices of any Linked Resources or for the content of their Internet sites. Users interested in the privacy and data collection policies and practices of Linked Resources should review the policies of the Internet sites they choose to access.

 

The Agency makes no representations or warranties of any kind, express or implied, about the Internet sites of Linked Resources, and the Agency disclaims all warranties and responsibilities of any kind, including, without limitation, warranties and responsibilities with respect to Linked Resources’ Internet sites, content, privacy and data collection policies and practices, and actions. Links to other Internet sites, including, but not limited to, Linked Resources, do not imply the Agency’s endorsement or approval of such Internet sites or the resources and information contained within them, nor are such links or references indications that the Agency has received specific authorization to provide these links or resources. The Agency does not endorse, approve, certify or control such external Internet sites, and is not responsible for the accuracy, timeliness, completeness, efficacy, merchantability, usefulness, fitness for any particular purpose or correct sequencing of information located at such Internet sites. The links and references on this Site to other Internet sites, including, but not limited to, Linked Resources are provided solely as a convenience to Users of this Site.

 

Users’ Rights to Access and Amend Users’ Personal Information:

Users have the right to request access to the personal information that is maintained about them on this Site to ensure that it is accurate. Subject to certain exceptions required by law, and provided we can authenticate your identity, Users can request corrections, amendments or deletions of any personal information obtained through this Site or otherwise in our possession as appropriate. Users may also request changes to their preferences regarding how we use or disclose Users’ information or how we communicate with Users.

 

To obtain access to, or seek to correct, amend, or delete any Users’ personal information, or for any other

questions or concerns about the Agency’s personal data policies and practices, submit a request in writing to: Data Protection Officer, Keystone Insurance Services, Inc. P.O. Box 9127 Austin, TX 78766 or by calling 512-257-8000 and asking for and speaking with the Data Protection officer (owner). The request must include your name, address, telephone number, the specific personal information at issue, the identity of the document or record that contains the disputed personal information, and the desired correction, amendment or deletion (along with any appropriate supporting documentation). We will notify you within 30 business days after receipt of your request whether we require additional information, have made the requested correction, amendment or deletion or that we cannot do so and the reasons for that decision.

 

Complaints:

Users may file complaints to us directly by using any of the methods we provide on this Site and may file complaints to CMS by visiting File a Complaint page.

 

Users’ Consent:

1.      By submitting information for a quote, you are granting the Agency the permission to share this information, in accordance with the law, with third parties in order to provide you with a quote.

2.      By using our Site, you agree to the Policy and Terms of Use of our Site. If you do not agree with our Policy and Terms of Use, please do not use this Site. By using and accessing the Site you agree to indemnify us for any and all third-party claims resulting from your breach of this privacy policy and terms of use.

3.      The Agency does not promise that the information you provide on our Site will remain available to you or that you qualify for the products we offer.

4.      Like most agencies and Property & Casualty insurance companies, we use Property & Casualty insurance companies that will run an insurance score report when providing you with a quote. This is a composite of information such as your credit histories, claims, driving records, etc. By submitting a quote request, you give us your written permission to obtain those reports if insurance companies require them.

5.      When you order products or services from us, we may ask for your credit card number and billing address. We use this information only to bill you for the products or services you order at that time and for no other purpose.

6.      Any User’s questions or comments submitted to us may become available in the public sections of the Site, including a section entitled “Frequently Asked Questions,” immediately after such questions or comments are submitted to us. If we publicize any User questions, such questions will not contain facts that identify the user or the specific parties involved.

 

Policy Changes:

The Agency reserves the right to change this Policy at any time without notice to you, and changes will become effective when the revised Policy is posted on this Site. We may email periodic reminders or notices about changes, but you are encouraged to review this Policy frequently, so you are informed about the Agency’s privacy practices and policies.

 

Terms of Use:

 

1.      Site:

Statements on this Site about policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this Site or otherwise, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via online forms/application and/or in other communications with us. Please contact our office at (800) 257-8000 to discuss specific coverage details and your insurance needs. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state. Information provided on this Site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional.

 

2.      Limitation Of Liability For Using Our Site:
The Agency will not be responsible for any damages or injuries resulting from the use of our Site. This includes 1) The use of links to other Sites provided on our Site 2) Errors 3) Omissions 4) Computer failures 5) Breakdown or malfunction of the secure servers we use or any of its connections of any kind 6) End-user’s (your use) use of non-secure email servers 7) Information presented on this Site, including blogs, even when written by third parties. We are not liable for any consequential or incidental damages of any kind. We are not liable even if we have been negligent or if our representatives have been advised of the possibility of such damages or both. In the event that your state law does not allow us to limit or exclude liability, our liability to you for all losses will not be greater than the amount you have paid to access our Site regardless of the damage or injury or claims of any kind. The Agency is a company headquartered in the Great State of Texas and Texas law shall govern and control any action concerning the Agency. The Agency is licensed to sell insurance in the State of Texas and by submitting a quote you confirm that your interests are located in the State of Texas.

All material on our Site is provided as is. The Agency disclaims ALL express and implied warranties about the material provided on its Site. Information provided about our products and services is not a statement of contract and does not guarantee coverage. The products and services listed on our Site may or may not be available at all times or for your particular business or personal needs.

The Terms of Use of our Site and the Privacy Policy create an agreement that is governed and interpreted according to the laws of the State of Texas. Should any part of this agreement be or become invalid, void, or unenforceable that part shall be severed from this agreement. Such invalidity shall not affect the validity of the remaining provisions of the agreement.

 

If you have any questions about our Policy or Terms of Use please feel free to Contact Us.