Privacy Policy

Privacy and Data Protection Policy

At Thinksmart Insurance, we prioritize the privacy and protection of our customers’ information. We are committed to ensuring that all customer data is kept secure and confidential. We do not sell, trade, or share your personal information with any third parties.

We will only contact you based on your preferences and requests. If at any time you wish to opt out of receiving marketing information or have your information removed from our records, you can easily do so by contacting us. Your privacy is our top priority, and we strive to maintain the highest standards of data protection.

1. General introduction

Thinksmart Insurance LLC (“Thinksmart Insurance,” “we,” or “our”) believes it is important to safeguard the privacy of the non-public personal information you provide to us and that we collect in the course of offering our products and services to you. Thinksmart Insurance has a policy to protect the confidentiality and security of the information we collect about our customers. We will not share non-public personal information about our customers (“Information,” as detailed below) with third parties, except for the specific purposes described herein. This notice describes the Information we may collect and the circumstances under which we may share that information.

Thinksmart Insurance limits the use, collection, and retention of this information to what we believe is necessary or useful to operate our business and provide you with quality products and services, as well as other opportunities that may interest you. The information we collect may include, but is not limited to, names, addresses, telephone numbers, taxpayer identification numbers, dates of birth, employment status, annual income, net worth for individuals, and other identifying documentation for organizations.

When providing products and services to you, we collect non-public personal information about you from the following sources:

• Information we receive from you on applications or other forms (for example, investment/insurance applications, new account forms, and other forms and agreements);
• Information about your transactions with us, our affiliates, or others (for example, brokers/dealers, payment processors, third-party managers (sub-advisors), or other investment sponsors you select); and
• Information we receive from consumer reporting agencies (for example, credit bureaus), as well as other documents we may use to make suitable recommendations or to fulfill a service request.

Because we must maintain accurate records, Thinksmart Insurance has established procedures to ensure the accuracy of your information and to keep that information current and complete. If our customers wish to review any files we may maintain, please contact us. If our customers notify us that any Information is inaccurate, we will review and correct it as necessary. Information collected in connection with, or in anticipation of, any claim or legal proceeding may not be provided.

Thinksmart Insurance imposes strict limits on who may receive specific information relating to your personally identifiable data. As a rule, we do not disclose the non-public personal information we collect to others. However, because we rely upon certain third parties to provide services to us, such as attorneys, auditors, other consultants, brokers, and custodians, who, in the course of providing their services, may need access to your information, we may share non-public personal information with those third parties. Additionally, we will share that information when required by legal or judicial process, such as a court order, or in circumstances permitted under federal privacy laws.

Our employees are required to maintain the confidentiality of Information and comply with our established policies. They may only access Information for a valid purpose, such as to process a transaction on behalf of our customers. We also maintain physical, electronic, and procedural safeguards to protect Information by federal standards. Employees who violate our Privacy Policy will be subject to internal disciplinary action and, if necessary, legal action. Paper documents containing confidential customer Information will be destroyed by shredding. Our employees are instructed, regularly reminded, and trained to safeguard all confidential customer Information.

We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect your non-public personal information. Even if you no longer have a relationship with Thinksmart Insurance and we are no longer providing services to you, our Privacy Policy continues to apply to you.

Thinksmart Insurance reserves the right to change these Privacy Principles and any policies or procedures described herein at any time without prior notice. However, you will promptly receive a current copy of our privacy notice whenever significant changes are made or upon request. These Privacy Principles are intended for general guidance only, do not create a contract or legal rights, and do not modify or replace any agreement we have with you. The examples contained in this Privacy Policy are illustrative only and are not intended to be all-inclusive. This notice complies with newly enacted federal laws and SEC regulations concerning privacy. You may have additional rights under applicable foreign or domestic laws. If you have questions about this privacy policy, please contact support@thinksmartinsurance.com.

2. Personal and non-personal information

Our Privacy Policy describes how we handle your personal information and non-personal information.

3. What is non-personal information, and how is it collected and used?

Non-personal information is information that cannot identify you. If you visit this website to read information, for example, about one of our services, we may collect some non-personal information about you from your computer’s web browser. Because non-personal information cannot identify or be linked to you in any way, there are no restrictions on how we may use or share non-personal information.

4. What is personal information, and how is it collected?

Personal information is information that identifies you as an individual, such as your name, mailing address, email address, telephone number, and fax number. We may collect personal information from you in several ways:

• When you submit an application or other forms to us;
• When you conduct transactions with us, our affiliates, or others;
• When we gather information about you to facilitate a transaction, such as credit card information.

On certain parts of this website, you have the opportunity to submit personal information about yourself to sign up for specific information, purchase access to one of our products or services, or participate in an activity.

5. Is there use of cookies or other technologies to collect personal information?

Yes, we may use cookies and related technologies, such as web beacons, to collect information on our website. A cookie is a text file placed on your hard drive by a web server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are assigned to you uniquely and can only be read by the web server in the domain that issued the cookie to you. One of the primary purposes of a cookie is to provide a convenience feature to save time for you. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you register with us, a cookie helps Thinksmart Insurance recall certain information about you on subsequent visits. This simplifies the process of recording your personal information, such as billing address, shipping address, etc. When you return to the Thinksmart Insurance website, information you previously provided may be retrieved so that you can easily use the features you customized.

A web beacon is a small graphic image that allows the party setting the web beacon to track and collect certain information about the viewer of a web page, web-based document, or email, such as the type of browser requesting the web beacon, the IP address of the computer to which the web beacon is delivered, and the time the web beacon was viewed. Web beacons can be very small and invisible to users, but generally, any electronic image included as part of a web page or email, including HTML-based content, can function as a web beacon. We may use a web beacon to count the number of visits to pages on our website or to track how users navigate the website, and we may include web beacons in emails to count how many emails have been opened, responded to, or forwarded.

You may accept or reject cookies. Most web browsers automatically accept cookies, but you can modify your browser settings to refuse cookies if you wish. If you choose to refuse cookies, you may not be able to experience the full interactive features of the Thinksmart Insurance websites you visit.

6. How does Thinksmart Insurance use personal information?

Thinksmart Insurance may retain and use personal information we collect from you or about you to provide you access to this website or other products or services, to fulfill your requests, to bill for products/services you have purchased, and to provide ongoing service and support, to contact you with information that may interest you, including information about our products and services and those of others, or to survey you about our or others’ products, for record-keeping and analysis, and to research, develop, and improve programs, products, services, and content.

Online-collected personal information may be combined with information you provide to us from other sources. We may also remove personally identifying information (name, email address, Social Security number, etc.). In such cases, you will no longer be identified as a unique individual. Once we remove the identifiers from the information, it becomes non-personal information, and we may use it in the same ways as other non-personal information. Finally, we may use your personal information to protect our rights or property, to safeguard someone’s health, safety, or welfare, and to comply with laws or regulations, court orders, or other legal processes.

7. Does Thinksmart Insurance share personal information with others?

We will not share your personal information collected from this website with unrelated third parties without your permission, except as otherwise provided in this Privacy Policy. In the ordinary course of business, we may share certain personal information with companies we hire to perform services or functions on our behalf. In all cases where we share your personal information with a third party to provide services to us, we do not permit them to retain, disclose, or use your information for any purpose other than to provide the services we request.

We will not sell, trade, or disclose your personal information, except in the event of a company sale, merger, dissolution, or acquisition. For certain transactions, in addition to the information we collect directly, our third-party service providers (such as credit card companies, payment processors, and banks) may collect personal information directly from you to assist you with the transaction. We do not control how these third parties use that information, but we require them to disclose how they use your personal information before they collect it. If you submit a review to a third party (person or business) using our Facebook Fan Review Application, in the process of submission, we will request your permission to collect your basic information (such as name and email address), which we will then share with the third party to whom you are submitting the review. We may be compelled to disclose your personal information to comply with court orders, subpoenas, search warrants, laws, or regulations.

We may cooperate with law enforcement agencies in investigating and prosecuting website visitors who violate our rules or engage in harmful (or illegal) activities.

If you share information with an advertiser, including clicking on their ad, this Privacy Policy does not govern the use of your personal information by the advertiser, and you should review the privacy policy of that advertiser and/or ad service to understand how they use cookies and other technologies before linking to an advertisement.

8. How is personal information protected?

We have implemented widely accepted technological and operational security standards to protect personal information from loss, misuse, alteration, or destruction. Only authorized employees and third-party providers have access to your personal information, and these employees and providers are required to treat this information as confidential. Despite these precautions, we cannot guarantee that unauthorized individuals will not access your personal information.

9. Links

This website contains links to other websites that provide information we believe may be of interest. Thinksmart Insurance is not responsible for the privacy policies or content of those websites.

10. Public discussion

This website may offer public discussion forums on various business valuation topics. Please note that any information you post in these discussions will become public, so do not post sensitive information in public discussions. Whenever you publicly disclose information online, that information may be collected and used by others. We are not responsible for any actions or policies of third parties that collect information users disclose in any forums on the website. THINKSMART INSURANCE neither endorses nor disapproves of anything posted on the discussion boards. Also, remember that you must comply with our other published policies regarding posting on our public forums.

11. How can users access, modify, and/or delete personal information?

You may access, correct, update, and/or delete any personal information that you have submitted to the website. You may also unsubscribe from any mailing list or any registration on the website. To do so, please follow the instructions on the website where you provided the information or registered, or contact us at [support@thinksmartinsurance.com].

12. Children’s privacy

Thinksmart Insurance will not knowingly collect any personal information (such as the name or email address of a child) from children under the age of 18. If you believe we have collected personal information from a child under 18, please contact us.

13. Changes

Thinksmart Insurance reserves the right to change this statement at any time. Any changes to this Privacy Policy will be listed in this section, and if those changes are material, a notice will be posted on the website’s homepage for some time. If you have any questions about privacy at any Thinksmart Insurance–operated website or about our website practices, please contact us at support@thinksmartinsurance.com.