DOCUMENTS

Privacy Policy

Privacy Policy

Halabicky Insurance Group (“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”).

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 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.

User Information: User information form the Site may be obtained, retained, and/or used (collectively “Used”) by the Agency to facilitate Users’ access to, use of, and/or participate 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. The Information collected on this Site: (i) Individual personal information, such as first and last name and email address. No other personally identifiable information is collected on this Site.

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 our 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 to not 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, Agency will do so only after obtaining verifiable parental consent. If 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 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: i) completing the transaction(s) requested by the User; and ii) serving Users and/or reporting on transactions, activities, and Services conducted with or facilitated by Agency. Agency also may disclose such information to comply with the law or legal process; to exercise Agency’s legal rights or defend against legal claims’ to enforce 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.

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. Agency makes no representations or warranties of any kind, express or implied, about the Internet sites of Linked Resources, and 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 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 Agency has received specific authorization to provide these links or resources. 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.

Your Rights to Access and Amend Your Personal Information

You have the right to request access to the personal information that is maintained about you on this Site to ensure that it is accurate. Subject to certain exceptions required by law, and provided we can authenticate your identity, you also can request corrections, amendments or deletions of any personal information obtained through this Site or otherwise in our possession as appropriate. You may also request changes to your preferences regarding how we use or disclose your information or how we communicate with you. To obtain access to, or seek to correct, amend, or delete any of your personal information, or for any other questions or concerns about the Agency’s personal data policies and practices: Submit a request in writing to privacy@higsolutions.com or call (810) 724-3308, or write to us at 335 E Third St., Imlay City, MI 48444. We will correct any erroneous information in a timely manner. 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 with all required information to notify you 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.

Limitations on Employee Access to Information: Employee access to personally identifiable client information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of your information. Employees are responsible for maintaining the confidentiality of client information and those who violate this privacy policy will be subject to disciplinary measures.

Protection of Information via Established Security Procedures: Halabicky Insurance Group is committed to the security of your financial and personal information. All our operational and data-processing systems are in a secure environment that protects account information from being accessed by third parties. We maintain and grant access to client information only in accordance with our internal security standards. Halabicky Insurance Group may link its web site to other sites. In no event, however, can Halabicky Insurance Group assume responsibility for the content of those sites nor their policies for the collection of client information.

Restrictions on the Disclosure of Account Information: Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic personal information about you with a non-affiliated third party unless the institution provides you with a notice of its privacy policies and practices such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed. In compliance with GLBA we are providing you with this document which notifies you of the privacy policies and practices of Halabicky Insurance Group. The GLBA further requires that we inform you that you have a right to prevent us from sharing nonpublic personal information about you with a non-affiliated third party for the purpose that is not specifically authorized by law is called your right to “opt out” of such information being shared. Halabicky Insurance Group does not disclose any non-public personal information about its present or former clients to anyone except as permitted by law. We may, for example, disclose nonpublic personal information about clients to others for purposes of servicing their accounts with us, processing transactions that they request or authorize, or conducting credit or other verification checks.  We will never provide account or personal information for the purpose of independent telemarketing or direct mail marketing of any non-insurance products or services of those companies. If we use a third party business partner, service company, or other business partner to prepare account documentation, service accounts, or for other purposes, we will make reasonable efforts to verify that business partners agree to safeguard our confidential information about you and your accounts with us and must abide by applicable law. Federal law allows us to disclose information from our account records about your transactions and experience with us and does not allow you to opt out of this disclosure.

Policy Changes

The Agency reserves the right to and may change this Policy at any time without notice to you, and changes with 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.

ANTI-SPAM POLICY

Halabicky Insurance Group prohibits the use of our products and services in any manner associated with the transmission, distribution and delivery of spam. Any customer found to be using Halabicky Insurance Group’s products for sending unsolicited commercial email (spam) will be found in violation of this policy and our Terms of Service. Consequences for violation of this policy include immediate account termination as well as liability for civil, criminal or administrative penalties and damages.

What is Spam?

Spam is unsolicited email also known as UCE (Unsolicited Commercial Email). In compliance with the U.S. CAN-SPAM Act of 2004, Halabicky Insurance Group prohibits the following:

Emails sent with invalid or forged headers

Use of Halabicky Insurance Group’s or another third party’s domain name or equipment to transmit email without the express consent from that third party

Inclusion of URLs hosted by Walton Insurance Group within UCE

Subject lines containing false or misleading information

The use of harvested mailing lists or any list where the recipient has not given their prior consent

Any other means of deceptive addressing and misrepresentation

Interfering with any other party’s use and enjoyment of the services and products offered by Halabicky Insurance Group

Anti-Spam Legislation

The federal anti-spam law went into effect on January 1, 2004. The law provides specific requirements for sending commercial email and empowers the federal government to enforce the law. The CAN-SPAM Act defines commercial messages as those for which the primary purpose is to advertise or promote a commercial product or service. Penalties can include fines and/or jail time. For more on the CAN-SPAM Act, please visit this link: http://www.ftc.gov/spam

How to Notify Us

If you have received unsolicited email from one of our users, please notify us immediately at abuse@higsolutions.com. If Halabicky Insurance Group finds unauthorized or improper use, it may, without notice, take such action in its sole discretion, including blocking messages from a particular Internet domain, mail server or IP address as well as terminating any account found in violation of this policy.

Disclaimer WEBSITE DISCLAIMERS

Please review this information carefully!

This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, 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 with a licensed agent. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. 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.

Please contact our office at (810) 724-3308 to discuss specific coverage details and your insurance needs. In order to protect your privacy, please do not send us your confidential personal information by unprotected email. Instead, discuss that personal information with us by phone or send by fax.

Statements on this website as to policies and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverages pertain to their individual situation. Any hypertext links to other sites or vendors are provided as a convenience only. We have no control over those sites or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those vendors.

Information provided on this website does not constitute professional advice. If you have legal, tax or financial planning questions, you need to contact a qualified professional.