Privacy Policy

RIC Insurance General Agency, Inc. and its subsidiaries (“we”/”our”/”RIC”/”our company”) take your (“you”/”your”/”your company”) privacy seriously. Because we value our customer relationships, we do not sell customer information. We will only share your information for the purposes of providing the products or services which you have engaged us to provide on your behalf, such as placing your insurance, and as otherwise permitted or required by law.

This Privacy Policy (“Policy”) outlines our information collecting and sharing practices to help you understand how we maintain and protect your privacy, when we collect and use information about you, and the measures we take to protect the confidentiality of that information. This Privacy Policy may be revised from time to time to reflect changes in law or industry practice or changes in our business operations. This Privacy Policy was last updated and made effective on 20 June 2016.

Your Confidential Information

Your Confidential Information includes, but is not limited to, your name, address, and other contact information; information regarding your dealings with us; any interest you have in relation to our services or our practice areas (including job openings); any information you may voluntarily submit to us by completing any form accessible on our website, nonpublic personal financial information, and/or trade secrets.

You do not have to provide us any Confidential Information in order to visit our website. We collect only the Confidential Information which you choose to provide to us. However, we may request Confidential Information from you at our website as necessary to provide requested materials to you and deliver an insurance- or benefits-related service. We do not sell your Confidential Information to third parties under any circumstances. By using our website, you agree to our use of your Confidential Information for the purposes described in this Policy. If at any time there are any material changes made to this Policy, those changes will be posted on this page of our website.

Confidentiality Practices

We hold our company, our business associates and our affiliates to high standards of confidentiality. Access to your Confidential Information, or that of your customers/applicants/insureds/etc., may be needed to conduct business on your behalf or to service your insurance coverage. However, your Confidential Information will only be used and disclosed in a manner and to the extent consistent with all applicable laws and regulations, contractual obligations, and our company’s policies and procedures. Our company maintains physical, electronic and procedural measures to protect your Confidential Information in compliance with all applicable laws and regulatory standards.

Nonpublic Personal Financial Information is defined as including Confidential Information of a financial nature that is shared by you – a current, prospective or prior client with us – for the purpose of providing products and services to you. This type of information is not otherwise available to the public and includes, but is not limited to, the following: business records, accounting information, contracts in which you may be a party, claims which you may be a party to, policy information, and any other data of yours that is financial in nature.

Trade Secrets are defined as including Confidential Information of a proprietary nature – that is obtained through the course of our business activities with you for the purpose of providing products and services to you. This information is not otherwise available to the public and includes, but is not limited to, the following: business records, contracts, claims, products, business methods, data processing procedures, marketing strategies, pending projects or proposals, mailing lists, Nonpublic Personal Financial Information and any other information related to your online activities, products or services, which may or may not be protected by law.

Information We Collect

We know how important your privacy is to you and we appreciate you trusting us to handle your Confidential Information responsibly and with integrity. We collect Confidential Information about you as required by insurance companies and by law, including, but not limited to, the following:

  • Personal and/or contact information we may receive from you on applications or required questionnaires, such as your first and last name, home or physical address, email address, telephone number, occupation, current employer, and Social Security and driver’s license numbers;
  • Information about your transactions with us, our affiliates, or previous insurers, such as your policy coverage, claim information, premiums and payment history; and
  • Information we receive from consumer-reporting agencies for the purposes of securing insurance coverage; these reports are not subject to race, gender or income. Motor vehicle reports may also be requested to disclose driving history.

The information we collect is limited to the data elements collected through our prescribed forms. In the course of conducting our business, we will only share Confidential Information you provide to us with third parties strictly on an as-needed basis and as permitted by law. For example, in certain situations, we may share your Confidential Information with: 1) our affiliated companies in order to provide a service to you; 2) a third party if reasonably necessary to enable them to perform services for us such as claims inquiries, appraisals, or the detection of fraud or material representations; 3) governmental authorities only to the extent that we are required to disclose any such Confidential Information pursuant to the legal process we receive from such governmental authority; 4) persons or organizations conducting legitimate research.

Online Tracking

Cookies

Cookies are pieces of information that a website transfers to your computer’s hard drive for record-keeping purposes. They assist us in making our website more useful by storing information about your preferences and online activity while using our website. Cookies do not identify a user, but they do identify a user’s computer. Most browsers are set up to accept cookies. If you prefer, you can set your browser to refuse cookies, but some online services on our website may not function properly without them.

We do not use cookies to track or report any online activity when you are not on our website, nor do we provide information regarding your online activity to other parties for their marketing use. Other parties may not collect information from us or conduct tracking for their own use while you are on our website. We do not use cookies to collect personal information such as your e-mail address, and we do not combine any information collected through cookies with your Confidential Information. We make no attempt to look at or examine other cookies or information that may be stored on your computer.

Do Not Track Signals

We honor your browser’s “Do Not Track” signal.

Information We Share

We do not use, disclose, sell or transfer any Confidential Information without your consent, unless as required or permitted by law or regulations. If your Confidential Information is disclosed to a third party, as permitted by law, we request the recipient of your information to protect and use it only for the purpose provided.

For example, we may disclose your Confidential Information in order to market your insurance coverage directly with insurers and providers. We also may disclose your Confidential Information, as described above, to companies that perform marketing services on our behalf or to other insurers or providers with whom we have joint contractual agreements or obligations.

Information Security

We restrict who has access to your Confidential Information by permitting access only to our employees who need to know such Confidential Information in order to provide you with the insurance products or services for which you have engaged us. We maintain physical, electronic, and procedural safeguards that comply with U.S. federal and state laws and regulations to guard your Confidential Information.

Email messages sent in clear text over the public Internet can be observed by an unintended third party. Non-encrypted Internet e-mail communications may be accessed and viewed by other Internet users without your knowledge and permission while in transit to us. If you wish to keep your Confidential Information private, please do not use electronic mail to communicate information to us or request information from us that you consider to be Confidential and/or proprietary. If you wish, you may contact us instead via telephone at the following telephone number: 888-693-7892

Correcting or Removing Your Personal Information

If you would like to correct the Confidential Information you have provided to us, or to request that we remove your Confidential Information from our records, you may contact our corporate headquarters in writing at PO Box 12279, Santa Rosa, CA 95406 with a description of the desired correction or removal request.

COPPA

We do not knowingly collect online information from children under the age of 13.  Our services are marketed towards adults.  If we are notified that we have collected personal information, as defined by the Children’s Online Privacy Protection Act (COPPA), of a child under the age of 13, we will delete the information as expeditiously as possible.

Links to Other Sites

We may provide links to other websites or direct you to other websites not owned or controlled by us that we think might be useful or of interest to you. We are not, however, responsible for the privacy practices used by other website owners or the content or accuracy contained on those other websites. Links to other websites do not constitute or imply endorsement by us of those websites, any products or services described on those websites or any other material contained on them. You may visit those websites directly for their individual privacy policies.

Transfer

We may transfer certain personal information to service providers working in conjunction with or on our behalf in accordance with applicable law. By providing us with your personal information or using our websites, you consent to the collection, transfer, storage, and processing of your personal information.

Changes to Our Privacy Policy

We reserve the right to make changes to our Privacy Policy at any time. Any material changes to our Privacy Policy will be posted on this page. We encourage you to review the website and the Privacy Policy in particular periodically for any updates or changes. Your continued access or use of this website shall be deemed to constitute your acceptance of all terms and conditions contained in this Privacy Policy.

Questions

If you have questions or concerns about this Privacy Policy, you may write to us at PO Box 12279, Santa Rosa, CA 95406.