Privacy and Data Protection Policy
At ThinkSmart Insurance Agency, we prioritize the privacy and protection of our clients’ information. We are committed to ensuring that all client 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 marketing communications or remove your information from our records, you can easily do so by contacting us. Your privacy is our top priority, and we strive to keep the highest standards of data protection.
1. GENERAL
Thinksmart Insurance LLC (“Thinksmart Insurance”, “we” or “our”) believes it is essential that we maintain the privacy of the nonpublic personal information that you provide to us and that we obtain in connection with providing our products and services to you. Thinksmart Insurance has a standing policy of protecting the confidentiality and security of information we collect about our clients. We will not share non-public information about our clients (“Information,” as further described below) with third parties, except for the specific purposes described below. This notice describes the Information we may gather and the circumstances under which we may share it.
Thinksmart Insurance limits the use, collection, and retention of such information to what we believe is necessary or useful to conduct our business and to provide and offer you quality products and services, as well as other opportunities that may be of interest to you. Information collected may include, but is not limited to name, address, telephone number, tax identification number, date of birth, employment status, annual income, and net worth for individuals and other identifying documentation for institutions.
In providing products and services to you, we collect nonpublic personal information about you from the following sources:
– Information we receive from you on applications or other forms (e.g. investment/insurance applications, new account forms, and other forms and agreements);
– Information about your transactions with us, our affiliates, or others (e.g. broker/dealers, clearing firms, third-party managers (sub-advisors), or other chosen investment sponsors); and
– Information we receive from consumer reporting agencies (e.g. credit bureaus), as well as other various materials we may use to put forth an appropriate recommendation or to fill a service request.
Because we must maintain accurate records, Thinksmart Insurance has established procedures to maintain the accuracy of your information and to keep such information current and complete. If our clients desire to review any file we may maintain, please contact us. If our clients notify us that any Information is incorrect, we will review it and make revisions as appropriate. Information collected in connection with, or in anticipation of, any claim or legal proceeding may not be made available.
Thinksmart Insurance places strict limits on who receives specific information regarding your personally identifiable data. As a rule, we do not disclose nonpublic personal information we collect to others. However, because we rely on certain third parties for services that enable us to provide our advisory services to you, such as our attorneys, auditors, other consultants, brokers, and custodians who, in the ordinary course of providing their services to us, may require access to information, we may share non-public personal information with such third-parties. Additionally, we will share such information where required by legal or judicial process, such as a court order, or otherwise to the extent permitted under the federal privacy laws.
Our employees are required to protect the confidentiality of Information and to comply with our established policies. They may access Information only when there is an appropriate reason to do so, such as the execution of transactions on behalf of our clients. We also maintain physical, electronic, and procedural safeguards to protect Information, which comply with Federal standards. Employees who violate our Privacy Policy are subject to internal disciplinary actions and, as appropriate, legal sanctions. Disposal of any paper document with confidential client Information is shredded. Our employees are instructed, continuously reminded, and trained to safeguard all confidential client Information.
We restrict access to nonpublic personal information about you to those employees who need access to such information to provide our products or services to you. We maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information. Even if you no longer have a relationship with Thinksmart Insurance and we no longer provide services to you, our Privacy Policy will continue to apply to you.
Thinksmart Insurance reserves the right to change these Privacy Principles, and any of the policies or procedures described above, at any time without prior notice. However, you will be promptly provided with a current copy of our privacy notice upon material changes or requests. These Privacy Principles are for general guidance do not constitute a contract or create legal rights, and do not modify or amend any agreements we have with you. The examples contained within this Privacy Policy are illustrations and they are not intended to be inclusive. This notice complies with a recently enacted Federal law and new SEC regulations regarding privacy. You may have additional rights under other foreign or domestic laws that may apply to you.
If you have questions about this privacy policy, please contact support@thinksmartinsurance.com
2. PERSONAL AND NON-PERSONAL INFORMATION
Our Privacy Policy identifies how we treat your personal 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, such as information about one of our services, we may collect certain non-personal information about you from your computer’s web browser. Because non-personal information cannot identify you or be tied to you in any way, there are no restrictions on the ways that we can use or share non-personal information. 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, e-mail address, telephone number, and fax number. We may collect personal information from you in a variety of ways:
- When you send us an application or other form
- When you conduct a transaction with us, our affiliates, or others
- When we collect information about you in support of a transaction, such as credit card information
- In some places on this website, you have the opportunity to send us personal information about yourself, to elect to receive particular information, to purchase access to one of our products or services, or to participate in an activity.
4. ARE COOKIES OR OTHER TECHNOLOGIES USED 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 that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. One of the primary purposes of cookies is to provide a convenience feature to save you time. 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 to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Thinksmart Insurance website, the information you previously provided can be retrieved, so you can easily use the features that you customized. A web beacon is a small graphic image that allows the party that sets the web beacon to monitor and collect certain information about the viewer of the web page, web-based document, or e-mail message, such as the type of browser requesting the web beacon, the IP address of the computer that the web beacon is sent to and the time the web beacon was viewed. Web beacons can be very small and invisible to the user, but, in general, any electronic image viewed as part of a web page or e-mail, including HTML-based content, can act as a web beacon. We may use web beacons to count visitors to the web pages on the website or to monitor how our users navigate the website, and we may include web beacons in e-mail messages to count how many messages sent were opened, acted upon, or forwarded.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Thinksmart Insurance websites you visit.
5. HOW DOES THINKSMART INSURANCE USE PERSONAL INFORMATION?
Thinksmart Insurance may keep and use the personal information we collect from or about you to provide you with access to this website or other products or services, to respond to your requests, to bill you for products/services you purchased, and to provide ongoing service and support, to contact you with information that might be of interest to you, including information about products and services of ours and of others, or ask for your opinion about our products or the products of others, for record keeping and analytical purposes and to research, develop and improve programs, products, services, and content.
Personal information collected online may be combined with information you provide to us through other sources We may also remove your identifiers (your name, email address, social security number, etc). In this case, you would no longer be identified as a single unique individual. Once we have de-identified information, it is non-personal information and we may treat it like other non-personal information. Finally, we may use your personal information to protect our rights or property, to protect someone’s health, safety, or welfare, and to comply with a law or regulation, court order, or other legal process.
6. DOES THINKSMART INSURANCE SHARE PERSONAL INFORMATION WITH OTHERS?
We will not share your personal information collected from this website with an unrelated third party without your permission, except as otherwise provided in this Privacy Policy. In the ordinary course of business, we may share some personal information with companies that we hire to perform services or functions on our behalf. In all cases in which we share your personal information with a third party to provide a service to us, we will not authorize them to keep, disclose, or use your information with others except to provide the services we asked them to provide.
We will not sell, exchange, or publish your personal information, except in conjunction with a corporate sale, merger, dissolution, or acquisition. For some sorts of transactions, in addition to our direct collection of information, our third-party service vendors (such as credit card companies, clearinghouses, and banks) who may provide such services as credit, insurance, and escrow services may collect personal information directly from you to assist you with your transaction. We do not control how these third parties use such information, but we do ask them to disclose how they use your personal information before they collect it. If you submit a review for a third party (person or business) using our Facebook Fan Review Application, during the submission process we ask your permission to gather your basic information (such as name and email address) which we then share with the third party for whom you are submitting the review. We may be legally compelled to release your personal information in response to a court order, subpoena, search warrant, law, or regulation.
We may cooperate with law enforcement authorities in investigating and prosecuting website visitors who violate our rules or engage in behavior, which is harmful to other visitors (or illegal).
If you share information with the advertiser, including by clicking on their ads, this Privacy Policy does not control the advertiser’s use of your personal information, and you should check the privacy policies of those advertisers and/or ad services to learn about their use of cookies and other technology before linking to an ad.
7. HOW IS PERSONAL INFORMATION USED FOR COMMUNICATIONS?
We may contact you periodically by e-mail, mail, or telephone to provide information regarding programs, products, services, and content that may be of interest to you. In addition, some of the features on this website allow you to communicate with us using an online form. If your communication requests a response from us, we may send you a response via e-mail. The e-mail response or confirmation may include your personal information. We cannot guarantee that our e-mails to you will be secure from unauthorized interception.
8. HOW IS PERSONAL INFORMATION SECURED?
We have implemented generally accepted standards of technology and operational security to protect personally identifiable information from loss, misuse, alteration, or destruction. Only authorized personnel and third-party vendors have access to your personal information, and these employees and vendors are required to treat this information as confidential. Despite these precautions, we cannot guarantee that unauthorized persons will not obtain access to your personal information.
9. LINKS
This site contains links to other sites that provide information that we consider to be interesting. Thinksmart Insurance is not responsible for the privacy practices or the content of such websites.
10. PUBLIC DISCUSSIONS
This site may provide public discussions on various business valuation topics. Please note that any information you post in these discussions will become public, so please do not post sensitive information in public discussions. Whenever you publicly disclose information online, that information could be collected and used by others. We are not responsible for any action or policies of any third parties who collect information that users disclose in any such forums on the website. THINKSMART INSURANCE does not agree or disagree with anything posted on the discussion board. Also, remember that you must comply with our other published policies regarding postings on our public forums.
11. HOW CAN A USER ACCESS, CHANGE, AND/OR DELETE PERSONAL INFORMATION?
You may access, correct, update, and/or delete any personally identifiable information that you submit to the website. You may also unsubscribe from mailing lists or any registrations on the website. To do so, please either follow instructions on the page of the website on which you have provided such information or subscribed or registered or contact us at [support@thinksmartinsurance.com]
12. CHILDREN’S PRIVACY
Thinksmart Insurance will not intentionally collect any personal information (such as a child’s name or email address) from children under the age of 18. If you think that we have collected personal information from a child under the age of 18, please contact us.
13. CHANGES
Thinksmart Insurance reserves the right to modify this statement at any time. Any changes to this Privacy Policy will be listed in this section, and if such changes are material, a notice will be included on the homepage of the website for some time. If you have any questions about privacy at any websites operated by Thinksmart Insurance or about our website practices, please contact us at: support@thinksmartinsurance.com
