Privacy Policy
Effective Date
This Privacy Policy is effective as of, and was last updated on, 12/12/2023.
Scope
Insurance Program Managers Group, LLC. (“IPMG,” “we,” “our,” or “us”) is committed to respecting your privacy. This Privacy Policy describes how we collect, use, and disclose your personal information, including via our websites (e.g., https://www.ipmg.com) applications, and the services we provide (“Services”), including after we no longer provide those Services to you. Our websites and applications are referred to as the “Sites.” “Personal information” is non-public information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked to an individual. When you use our Services, you agree to our collection, use, and disclosure of personal information about you as described in this Privacy Policy.
This policy does not apply to information that we may collect or process in our role as a service provider to businesses who use our Services (i.e., information we collect from or on behalf of our customer insurance agents and brokers). Customers of such businesses, please refer to the relevant business, insurance agent, or insurance broker with whom you engage for information about their privacy practices.
Personal Information We Collect
Below you will find a chart that describes the categories of personal information we, or service providers or contractors on our behalf, have collected, where that personal information came from, and the purpose for the collection of that personal information, all within the past 12 months from the effective date of this notice. Please note that these are categories of personal information as they are set forth under California law and across our various product lines. We did not necessarily collect all of the specific pieces of personal information listed for any given person or product. In addition to personal information, we may also collect, use, and/or disclose anonymous, de-identified, and/or aggregate data that is not linked to a particular individual. Our use or disclosure of such information is outside the scope of this Privacy Policy. We only maintain and use such data in a way that does not reasonably identify a particular individual, and we will not attempt to re-identify it, except to test our de-identification process.
For purposes of this Privacy Policy, operational functions include things like evaluating your business needs and requirements, identifying and contacting potential insurance carriers, understanding how our Sites are used, improving our services, security, preventing fraud, and for legal compliance purposes.
What Personal Information Do We Collect? |
Where Do We Get It? |
Why Do We Collect It? |
| Identifiers and contact information (e.g., name, alias, postal address, unique personal identifier, IP address, email address, account name, Social Security Number, driver’s license number) |
|
|
| Categories of personal information described in Section 1798.80(e) (e.g., name, signature, Social Security number, physical characteristics or description, mailing address, telephone number, driver’s license, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, any other financial information, medical information, health insurance information) |
|
|
| Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement. |
|
|
| Professional or employment-related information |
|
|
| Social security, driver’s license, state identification card, or passport number. |
|
|
Digital technologies
When you interact with our Sites and Services, certain information about your use may be collected automatically. This includes:
- Details of your visits to and information generated in the course of your use of the Sites (including the timing, frequency, and pattern of service use) including, but not limited to, traffic data, location data, weblogs and other communication data, the resources that you access, and how you reached our Sites;
- Details regarding the device you use to access our Services, including but not limited to your IP address, operating system, and browser type;
- Information about how you interact with our ads and newsletters, including whether you open or click links in any correspondence; and
- Information that you make available to us on social media platforms, such as by clicking on a social media icon linked from our Sites or Services, including your account ID or username and other information included in your posts.
We rely on partners, such as Google Analytics, to provide many features of our Sites and Services and provide us data about your use. This information may be collected through cookies, web beacons, and other tracking technologies, as well as through your web browser or device. These tracking technologies may be used for the following purposes:
- Analytics: Allowing us to understand how our services are being used, track site performance, and make improvements.
- Site Operations: Enabling features that are necessary for providing you the services on our Sites, such as identifying you as being signed in, tracking content views, and remembering your preferences.
You can learn more about Google’s cookies by visiting “How Google uses information from sites or apps that use our services” located at www.google.com/policies/privacy/partners/.
If you interact with us through social media, your interaction may allow that social media company to collect digital tracking information about you or your device, including through the use of tracking technologies. Please visit the social media company’s respective privacy policy to better understand its data collection practices and the controls it makes available to you.
If you prefer not to have the benefits of cookies, your internet browser or other third party software on your workstation can be adjusted to treat cookies in different ways. Depending upon the type of browser you are using, you might be able to configure your browser: (i) to prompt you to accept or reject cookies on an individual basis; or (ii) to prevent your browser from accepting any cookies at all. You should refer to the supplier or manufacturer of your web browser for specific details about cookie security. For general information about how to manage cookies, visit www.allaboutcookies.org/manage-cookies/ (please note that this website is not connected to us and we are not responsible for its content). Rejecting cookies might affect your ability to perform certain transactions on our Website and our ability to recognize your browser from one visit to the next.
For more information about your choices with regard to interest based advertising, you may wish to visit the Digital Advertising Alliance’s Consumer information page: http://www.aboutads.info/consumers/.
Your browser or device may include “Do Not Track” functionality. At this time, we do not alter our Sites’ data collection and use practices in response to Do Not Track signals.
Personal Information Disclosed Within the Past 12 Months
Below you will find a chart that generally describes the categories of personal information we have disclosed and the purpose for the disclosure of that information, all within the past 12 months from the effective date of this notice.
What Personal Information Do We Disclose? |
To Whom Do We Disclose It? |
Why Do We Disclose It? |
|
Identifiers and contact information (e.g., name, alias, postal address, unique personal identifier, IP address, email address, account name, Social Security Number, driver’s license number, state identification card, passport number) |
|
|
|
Categories of personal information described in Section 1798.80(e) (e.g., name, signature, Social Security number, physical characteristics or description, mailing address, telephone number, driver’s license, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, any other financial information, medical information, health insurance information) |
|
|
| Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement |
|
|
| Professional or employment-related information |
|
|
In addition to the above, in certain circumstances, as permitted by law, we might disclose some information without an explicit authorization from you. For example, we may disclose your personal information to regulatory authorities, law enforcement, and similar authorities to comply with applicable law or legal process, protect our interests, or prevent or prosecute fraud. Your personal information may also be transferred in connection with, or during negotiations of, any merger, acquisition, sale of assets or any line of business, change in ownership control, or financing transaction. Among our affiliates, we only share your information as permitted by law.
We have not, and do not, sell or share your personal information, as those terms are defined by California law, and we do not use or disclose your sensitive personal information for any purposes other than those permitted by law (e.g., as necessary to provide goods or services you have requested, legal compliance, etc.).
Children’s Information
Our Sites and Services are intended for users age sixteen and over. If you are under 16, do not use or provide any information on the Sites. We do not knowingly collect personal information from children under 16 and therefore, we do not sell or share such personal information. If you believe we might have any information from or about a child under 16, please contact us at the email address below. If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information.
How We Secure Your Information
We use a combination of physical, technical, and administrative safeguards to protect the information we collect through our Sites and Services. While we use precautions to safeguard your information, we cannot guarantee the security of the networks, systems, servers, devices, and databases we operate or that are operated on our behalf.
Your California Privacy Rights
Under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, “CCPA”), California residents, including via an authorized agent, have the following rights:
- The right to know what personal information we have collected about you, including the categories of personal information, categories of sources from which we collected the personal information, the purpose for our collection of your personal information, the categories of third parties to whom we disclose personal information, and the specific pieces of personal information we have collected about you;
- The right to delete personal information we have collected from you, subject to certain exceptions;
- The right to correct inaccurate personal information that we maintain about you; and
- The right to not receive discriminatory treatment for exercising your privacy rights.
Certain information we collect may be exempt from the CCPA because it is public information (i.e., it is made available by a government entity) or covered by a specific federal privacy law, such as the Gramm-Leach-Bliley Act, the Health Insurance Portability and Accountability Act, or the Fair Credit Reporting Act.
How to Submit a Request to Know, Access, Correct, or Delete
If you are a California resident and you or your authorized agent would like to submit a request to know, access, correct, or delete your personal information, you can submit your request using our online webform here, email your request to privacycompliance@ipmg.com, or call us tollfree at 888-377-5845.
What Happens After You Submit a Request to Know, Access, Correct, or Delete
Following a request to know, access, correct, or delete your personal information, we will take commercially reasonable steps to verify your identity, such as asking you to provide information matching what we have in our files (e.g., email address and an associated business name). If you are an agent authorized to make a request on a California resident’s behalf, please indicate that when submitting your request. Agents must generally provide a signed authorization evidencing their authority to act on behalf of another individual.
Any requests that can be processed by us will be done so in no more than 45 days from the date we receive your request, unless we notify you that an extension is required. In case of an extended completion period, we will process your request in no more than 90 days from the date of your original request. Consumers are limited to two requests to know or access within a 12- month period.
Document Retention
We will not retain your personal information for longer than reasonably necessary for the purpose(s) we collected it. How long we retain your personal information depends on a number of criteria, including the nature of our relationship with you, whether you or your employer purchases one of our products, which product, when you last interacted with us, the type of personal information at issue, and legal considerations.
Users Outside the United States
If you use our Sites and Services outside the United States, you understand that we collect, process, and store your information in the United States. The laws in the United States regarding personal information may be different from the laws of your jurisdiction.
Changes to this Privacy Policy
We may update this Privacy Policy at any time. The “Effective Date” at the top of this page indicates when this Privacy Policy was last revised.
Contact Us
If you have any questions, we can be reached either by email at privacycompliance@ipmg.com or by toll-free telephone number at 888-377-5845.