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Privacy Policy

Privacy Policy

Hub International Midwest Limited, a Hub International company ("we" or "us") has developed this privacy policy (“Privacy Policy”) to help you understand how this Website collects, uses, and discloses personally identifiable information gathered from and about you during your visit (“Personal Information”).

Consent

By using any portion of this Website you acknowledge that you have read and understand this Privacy Policy and that you consent to the Personal Information collection, use, and disclosure practices explained below. You further consent that you have read and understand this Website’s Terms of Use and agree to the terms and conditions as set forth in that document. You acknowledge and agree that this Privacy Policy applies only to your use of this Website, and does not apply to your use of any Co-Branded Areas (as that term is described below) or any third party sites.

Personal Information Collection

This Website collects Personal Information through:

  • Online forms that you submit, such as registration, application, e-mail response, or feedback forms; and
  • Cookies, IP addresses, and GIFs (as these terms are described below).

In certain circumstances, when you seek to obtain products or services through the Website, or make other requests, we may obtain Personal Information about you from other sources, such as:

  • Our prior or current transactions with you;
  • Our affiliates;
  • Consumer reporting agencies;
  • Your employer;
  • State and federal agencies; or
  • Other third parties as permitted under the law.

Personal Information Use and Disclosure

We may use the Personal Information referenced above to complete requested transactions, provide requested products and services, inform you about additional products and services that may be of interest to you, and perform related functions. We may also disclose such Personal Information to affiliates and nonaffiliated third parties as described below.

Personal Information about Health or Medical Conditions

We do not disclose Personal Information about your health or medical conditions or treatment, except as necessary to process or service requested or authorized transactions, or as otherwise required by law.

Necessary Disclosures of Personal Information

We may disclose Personal Information to affiliated and nonaffiliated third parties: (1) as necessary to process or service requested or authorized transactions, such as to secure quotations for insurance, obtain insurance coverage, or report or process claims, and/or (2) that perform services on our behalf or to other institutions, including insurance companies or banks with whom we have joint marketing arrangements. In addition, we may disclose Personal Information as otherwise permitted or required by law, including in connection with any sale of all or a part of our business or company, or pursuant to a subpoena or other request by government officials. We may also share Personal Information in other circumstances as described below.

Other Disclosures to Affiliates

We may disclose Personal Information among our affiliates, including the family of insurance brokerage and other financial services companies partnered with us. You may choose to limit our ability to share so-called "Non-transactional Personal Information" with these affiliates, except as permitted or required by law. “Non-transactional Personal Information” refers to Personal Information we obtain about you that does not arise directly from our transactions or experiences with you, as described under the Fair Credit Reporting Act, such as Personal Information we receive from consumer reporting agencies.

If you wish to limit our ability to share Non-transactional Personal Information with our affiliates, please print off and complete this form and return it to us by mail as indicated. Please understand that this will not prohibit us from sharing Personal Information about our transactions or experiences with you among our affiliated companies.

Other Disclosures to Nonaffiliated Third Parties

Although we do not make it a practice, we reserve the right to disclose Personal Information to certain nonaffiliated third parties. These parties may be financial service providers, such as companies engaged in insurance, securities, or banking activities. They may also be non-financial companies, such as companies engaged in marketing or selling consumer products or services or providing internal support services.

If you wish to limit our ability to share your Personal Information with non-affiliates, please print off and complete this form and return it to us by mail as indicated. Please understand that this will not prohibit us from sharing Personal Information about you with nonaffiliated third parties as permitted or required by law.

Former customers

We treat Personal Information about former customers in accordance with the policies described in this Privacy Policy regarding current customers.

Co-Branded Areas

In order to provide a greater breadth of services and otherwise facilitate transactions, a third party performs certain functions related to this Website. Whenever you leave a portion of the Website controlled by us and access a Webpage operated and managed by a third party, a “Pop-Up” screen will appear indicating that you are leaving the Hub-controlled areas and entering into the Co-Branded Areas.

Our use and disclosure of your Personal Information collected on these pages is governed by this Privacy Policy. However, the third party’s collection, use, and disclosure of your Personal Information is not governed by this Privacy Policy. We encourage you to review the third party’s statements regarding its information collection, use, and disclosure practices in the Co-Branded Areas.

Linking to Other Sites

This Website may contain links to other sites on the World Wide Web, other than the Co-Branded Areas. When you access a link that takes you to an unaffiliated website, a “Pop-up” screen will appear indicating that you are leaving the Website. Protection of your privacy will be governed by the privacy policy at that site, and we cannot be responsible for the privacy practices used by the other web sites. Please take the time to read the privacy policy at those sites. Links to outside sites do not constitute or imply endorsement by us of the linked site or any material displayed on those sites.

Active Personal Information Collection

This Website collects your Personal Information using active collection methods, such as feedback forms, e-mail response mechanisms, or other forms where you are asked to provide Personal Information. This Website will inform you at such information collection points as to what information is required to obtain the requested services and what information is optional.

Passive Information Collection

In addition to the active collection methods described above, this Website also passively collects other information from and about you using various technologies such as IP addresses, cookies, or GIFs, as those are discussed in this section.

Internet Protocol (“IP”) addresses.

IP addresses are unique numeric identifiers assigned to your computer each time you access the Internet. IP addresses contain no personally identifiable information and change each time you access the Internet. This Website uses IP addresses to track visitors as they navigate through the Website. This tracking allows us to diagnose problem on the Website, track usage patterns and volume, and otherwise to administer and improve the Website.

Cookies

A “cookie” is a small computer file that a website sends to your browser that helps the site remember information about you and your preferences. There are two kinds of cookies, “session” and “persistent” cookies. Session cookies are temporary files that a website erases once you exit your browser window, turn off your computer, or otherwise disconnect from the Internet. This Website uses session cookies to perform the same functions as IP addresses described above.

“Persistent” cookies are more permanent files that this Website installs on your hard drive and that will not be erased unless you manually delete them. Persistent cookies can store information (including personally identifiable information) on your computer for a number of purposes, such as retrieving certain information you have previously provided (e.g., passwords), helping to determine what areas of the website visitors find most valuable, and customizing the website based on your preferences. This Website uses persistent cookies.

Co-Branded Areas and Cookies

The Co-Branded Areas use persistent cookies to identify that you entered the Co-Branded Areas through this Website. In particular, by accessing this Website and subsequently entering any Co-Branded Areas, a persistent cookie will be placed on your hard drive that will allow the Co-Branded Areas to recognize you as a “AAHA customer.” This cookie will restrict your ability to access other insurance brokers or other businesses that would otherwise be made available to you on the Co-Branded Areas. If you do not wish to have this cookie placed on your hard drive, follow the directions as set forth below in “Blocking Cookies.”

GIFs

GIFs, also known as "internet tags" or sometimes referred to as "web bugs", are very small files that are present on the pages within this Website. GIFs provide this Website with important information about your visits, such as your IP address, browser type, and other website usage statistics. GIFs do not provide the Website with personally identifiable information.

Blocking Cookies

If you do not wish to allow this Web site to use cookies, you may configure your browser to block them. Please understand that blocking cookies will reduce the functions and services this Web site makes available to you, and may result in your inability to receive online insurance quotations or other services. Please refer to your browser software for instructions on blocking cookies.

Security

With respect to our internal uses of Personal Information, we restrict access to such Personal Information to employees who need to know that Personal Information to provide products or services to you or otherwise to administer our internal business operations. This Website uses reasonable physical, electronic, and procedural safeguards to protect Personal Information.

Children Under Age 13

This Website is not directed to children under the age of 13 and we will not knowingly collect personally identifiable information from children under age 13. If you are under the age of 13, please do not use this Website.

Changes to this Policy

We reserve the right to change this Privacy Policy from time to time and in its sole discretion. If this Privacy Policy changes, the revised policy will be posted at the “Privacy Policy” link on this Website’s homepage. In addition, this Website will post the date of the latest material changes to this Privacy Policy on the homepage. If the date displayed is later in time than your last visit, you must re-read this Privacy Policy. Your continued use of this Website after the date of the last revision indicates your acceptance of the changes.

This Privacy Policy was last revised on November 20, 2007.

How to Contact Us

If you have any questions or concerns about this Privacy Policy, please contact:

Rose Riley

rose.riley@hubinternational.com