At Premier Underwriting Group, LLC (PUG), we recognize that privacy is important, and we are committed to protecting your privacy. This Privacy Policy applies to your use of our products, services, and websites (collectively “services”). If you have any questions about this Privacy Policy, please contact us.
Information Collection and Use
Although we offer a number of services that do not require you to register for an account or provide any personal information to us, we may collect certain information from your use of our websites. In order to provide a full range of services, you agree that we may collect the following types of information:
- Information Provided by You. To use some of our services, you must provide certain personal information (e.g., name, email address, account password, etc.). We may collect information from you at several different points on our websites. To the extent the use of such services does not involve a third-party, we are the sole owner of the information collected. We will not sell, share, or lease this information to others in a manner other than set forth in this Privacy Policy.
- Cookies. When you visit our websites, we may send one or more cookies (small data files) to your computer or other device that uniquely identifies your browser. Most browsers are initially set up to accept cookies, but you may be able to reset your browser to refuse cookies or to notify you when a cookie is being sent; however, by disabling cookies, some of our services may not function properly. We use both session ID cookies and persistent cookies. We us cookies for our own internal purposes, as well as for improving the quality of our services, tracking and targeting our users’ interests, and enhancing our users’ experiences on our websites.
- Log Files. When you access our websites, we automatically record information that your browser sends each time you visit a website. This information may include your IP address, browser type and language, date/time of access, and cookies that may uniquely identify your browser. We may use this information to analyze trends, administer our websites, track users’ movement, and gather broad demographic information for aggregate use.
- User Communications. When you send email or other communications to us, we may retain those communications to process inquiries, respond to requests, or modify/improve our services.
- Links. We may present links in a format that enables us to keep track of whether and to what extent such links have been accessed. This information may allow us to track usage and improve the quality of our websites.
- General Use, In addition to the above, we may use your information to audit, research, and analyze the use of our websites to ensure the technical functioning of our networks, to protect our rights or property, and to develop new services.
Information Sharing
We share personal information with other companies or individuals in the following limited circumstances:
- We have your consent to share your personal information.
- We provide such information to our subsidiaries, affiliates, or other trusted parties for the purpose of processing personal information on our behalf.
- We have a good faith belief that access, use, preservation, or disclosure of such information is reasonably necessary to (i) satisfy any applicable law, rule, regulation, legal process, or enforceable government request, (ii) enforce any applicable terms of service regarding our websites, (iii) detect, prevent, or otherwise address fraud, security, or technical issues, and (iv) protect against harm to our rights, property, or safety as required or permitted by law.
Security
We take reasonable precautions to protect against unauthorized access to or unauthorized alteration, disclosure, or destruction of data. These include internal reviews of our data collection, storage, and processing practices and security measures, as well as physical security measures against unauthorized access to systems where we store personal information. We protect our users’ personal information with Secure Socket Layer (SSL), industry-standard encryption software. We also take reasonable precautions to protect our users’ information offline. Our websites and all customer data reside on our secure in-house server, behind our firewall. We use Verisign as our Certification Authority. Our customer database is backed-up regularly, and access to personal account information is limited to only those employees who need the information to perform a specific job function. Our employees are kept current with our security and privacy practices. If you have any questions about the security of our websites, please contact us.
Special Offers
We may send new customers a welcoming email to verify username and password. Existing customers may receive educational information, promotional information, or general information about our services. When available, users who no longer wish to receive certain newsletters or promotional materials may opt-out of receiving such further communications from us.
Site and Service Updates
We may send our users website and service announcement updates. Users may not be able to opt-out from receiving such announcements because they may contain important information about our services.
Third-Party Links
Our websites may include links to third-party websites that are not under our control. You must review the privacy policy and terms of use before using or providing personal information to any such websites you visit.
Updating Personal Information
If your personal information changes (such as email address), we will endeavor to provide you with a way to correct or update your personal information. If you no longer wish to use our services, please contact us.
Changes to Privacy Policy
Please note that we may update or change this Privacy Policy from time to time. Users are encouraged to periodically review our Privacy Policy to ensure their continued consent to the terms set forth herein.
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