Privacy & Terms
Protecting Your Information
We take important steps to protect your personal information and always treat it as confidential. Our employees are trained to take care in handling it. Access is limited to those who need it to perform their jobs. If we use an outside service provider for some reason, they must also protect it and use it only to meet our business needs. We also take steps to protect our systems from unauthorized access. We comply with all applicable laws in regard to your personal information.
Collecting Your Information
The types of Personal Information we collect depends on the product or service you have with or want from us. This information will include demographic information like your name and contact details as well as any additional details needed to quote and/or write a policy for a particular insurance product. The amount and types of information we need from you will vary depending on the type of insurance we need to quote or apply for. For example, if you need auto insurance, we will need details about your autos and driving history. For homeowners insurance, we will need information about your house. We will only ask for the specific information necessary to quote or write a policy for the type of insurance you are inquiring about.
Accessing Your Information
We do not make available to the general public any personally identifiable information you provide to us in connection with your business with us or in connection with your use of our website. We use industry standard technology and efforts to safeguard the confidentiality of your personal information. These include secure servers and firewalls. All of the user data we collect is protected against unauthorized access. Within our office, only authorized employees who need the information to perform a specific job are granted access to this information.
Using & Sharing Your Information
We collect your personal information to help us decide if you’re eligible for our products or services. We may also need it to verify identities to help deter fraud, money laundering, or other crimes pursuant to applicable insurance laws we are bound by. How we use this information in a given situation depends on the particular products and services you have or want from us. It also depends on what laws apply to those products and services. For example, we may need to use this information in order to:
generate insurance quotes
generate insurance applications
assist in the processing of claims and other transactions
perform business research
confirm or correct your information
market relevant new products to you
help us run our business
comply with applicable laws
When generating quotes or insurance applications, the minimum amount of information necessary for the quote or insurance application will be transmitted to the insurer. We are an independent insurance agency and we work with many market-leading insurance companies who also have privacy policies in place to safeguard any information they receive as a result of insurance quotes and applications. At no time will your contact information or any other type of information about you be sold or distributed to other unauthorized parties.
We may share your personal information with your consent or as permitted or required by law. For example, we may share your information with businesses hired to carry out services for us. We may also share it with our affiliated or unaffiliated business partners through joint marketing agreements. In those situations, we share your information to jointly offer you products and services or have others offer you products and services we endorse or sponsor.
Other potential reasons we may have to share some information about you:
- doing what a court, law enforcement, or government agency requires us to do (for example, complying with search warrants or subpoenas)
giving your information to someone with a legal interest in your assets (for example, a creditor with a lien on your home or auto may need a copy of the declarations page from your insurance policy)
Non-Personal User Content
Owner may use user submitted content such as ratings, reviews, comments or feedback (“User Content”) in a number of different ways, including displaying it on the Website, reformatting it, incorporating it into other works, creating derivative works from it, promoting it, or distributing it. Accordingly, you irrevocably grant Owner permission to use your submitted User Content for any purpose. You also irrevocably grant the Website users the right to access User Content in connection with their use of the Website. User Content does not include messages sent to us privately through the contact or quote request forms on the website. Those messages will remain private and would not be used by Owner without your permission (for example, if you sent us positive comments we may ask your permission to use them for a customer testimonial on the website).
You assume all risks associated with User Content, including reliance on its accuracy, completeness or usefulness, or any disclosure by you of information in your User Content that makes you personally identifiable. You may not imply that User Content is in any way sponsored or endorsed by Owner.
Owner may remove, edit or reinstate User Content at our sole discretion.
Correcting Your Information
You may ask us for a copy of the personal information we have about you. Generally, we will provide it as long as it is reasonably retrievable and within our control. You must make your request in writing. For legal reasons, we may not show you anything we learned as part of a claim or lawsuit, unless required by law.
If you tell us what we know about you is incorrect, we will review it. If we agree, we will update our records. Otherwise, you may dispute our findings in writing, and we will include your statement whenever we are required to give your disputed information to anyone else.
Use At Your Own Risk and Information Accuracy
The contents and information of this website are given strictly for your convenience. You must always consult with your insurance agent and refer to your specific insurance policy declaration for specific coverage information about your policy. This information is subject to change and be updated at any time without prior notice. The information on this Website is not to be relied upon for any financial, legal or insurance purposes and is intended for information purposes only. We will not be held responsible for any detrimental reliance you place on this Website or its content. It is agreed that if you use the information on the Website it shall be on an “as is” basis and entirely at your own risk.
No Liability Implied or Stated
The Carrons Insurance Agency, its associated companies, its officers, directors, associates, agents, employees or any other person associated with this Website, shall not be liable or responsible for any harm, loss or damage (whether arising in contract, tort negligence, or otherwise) that may arise in any connection with use of the information on this Website, including any indirect, direct, special, third party, or consequential damages. Our Website includes informational sections to provide general information and tools to help you learn more about insurance and your personal or business needs. However, the information provided is not of a universal nature and has been generalized. Unless you discuss your concerns with an agent at this agency, we cannot determine how such information would apply to you or your situation. Therefore, we will not be held responsible if you use such information to make legal, financial or insurance decisions on your own. Every Insurance Policy package has limits and exclusions. It is the responsibility of each individual and company to be knowledgeable and aware of the wordings and coverages for their Insurance Policy. This is where we, as your agent, come in. If you have any questions, please do not hesitate to call or contact us through the Website.
Third Party Web Sites
Please be aware that the Website may have links to third party web sites that may collect personally identifiable information about you. When you click on one of these third party links, you are entering another web site for which we have no responsibility. This Notice does not cover the information practices or policies of such third party web sites. We encourage you to read the privacy statements of all such web sites since their privacy policies may be materially different from our Notice.
Agreement & Modification
Use of Trademarks and Logos
The display and use of trademarks in this website does not imply that a license of any kind has been granted.
Site For Personal Use Only
The contents of this Site are for your own personal use. No one has permission to copy, distribute disseminate, commercially exploit, republish, or otherwise communicate any part of such contents in any manner whatsoever without the prior written consent of our office.
We want you to understand how we protect your privacy. If you have any questions about this notice, please contact us. When you write, include your name, address, and policy or account number.