June 2018
Harman Stone Corporation and its subsidiaries (hereinafter referred to as “The Firm”) take your and/or your company’s privacy seriously. Because we value our client relationships, we do not sell client information. This includes your information, your company’s and/or your employees’ information. We only share your information for the purposes of providing services which you have engaged our Firm to perform on your behalf, such as placing your insurance, and/or providing you with insurance-related products and/or services, as applicable, and as otherwise permitted or required by law.
This Privacy Policy outlines The Firm’s information-gathering and information-sharing policies and practices to help you understand how we protect your privacy, when we collect and use information about you, and the measures we take to protect the confidentiality of that information.
Your Confidential Information
Your Confidential Information includes, but is not limited to, protected health information, non-public personal financial information, and/or proprietary information. You do not have to provide us any Confidential Information to visit our Website (hereinafter referred to as “The Site”). The Firm may request Confidential Information from you at The Site to deliver requested materials to you and deliver an insurance or benefits related service. However, The Firm does not sell your Confidential Information to others under any circumstances.
Harman Stone Corporation collects only that amount of Confidential Information which you choose to provide to us. By using The Site, you agree to the uses of your Confidential Information described in this notice. If at any time this policy changes, those changes will be posted on this page of The Site, so that you are aware of The Firm’s intent to better protect your privacy.
Confidentiality Practices
Generally, we support the concept of non-disclosure of your Confidential Information. The Firm also holds our business associates and our affiliates to similar confidentiality standards. Your Confidential Information must be used and disclosed in a manner consistent with applicable laws and regulations, contractual obligations, and The Firm’s policies and procedures.
Protected Health Information is defined as individually identifiable health information that is held or transmitted by The Firm’s in performance of our contractual obligations with clients. This type of information includes information in electronic, paper and oral form. Protected Health Information may be used and disclosed solely for The Firm’s business activities related to health care operations.
Non-public personal financial information is defined as including confidential information of a financial nature that is shared by a current, prospective or prior client with The Firm while we are providing products and services to that client. This type of information is not otherwise available to the public and includes, but is not limited to, the following: credit history, financial benefits, business records, accounting information involving the client, employees’ information of a similar nature, contracts in which the client is a party, claims which the client is a party to, client’s policy information, and any other data of the client’s that is financial in nature.
Proprietary Information is defined as including any proprietary information or trade secrets of The Firm’s current, prospective or prior client that is obtained through the course of our business activities with that client, through the provision of products and services provided by The Firm to the client. This information is not otherwise available to the public and includes, but is not limited to, the following: business records, contracts, claims, products, business methods, data processing procedures, marketing strategies, pending projects or proposals, mailing lists, and any other information related to a client’s activities, products or services, which may or may not be protected by the United States Patent and Trademark Office.
Information We Collect
Harman Stone Corporation, it’s ownership, officers, management and associates know how important your privacy is to you and The Firm appreciates your trust in us to handle your Confidential Information responsibly and with integrity. We collect Confidential Information about you as required by insurance companies, including, but not limited to, the following:
Information we receive from you on applications or required questionnaires, such as your occupation, current employer, Social Security number and driver’s license numbers;
Information about your transactions with us, our affiliates, or previous insurers, such as your policy coverage, claim information, premiums and payment history;
Information we receive from a consumer-reporting agency, obtained to ascertain credit histories. These reports are obtained as underwriting tools to determine bill-paying habits and creditworthiness. These reports are not subject to race, gender or income. Motor vehicle reports may also be requested to disclose driving history.
The information Harman Stone Corporation collects is limited to the data elements on the prescribed forms. While conducting The Firm’s business, we may share information you provide to us strictly on an “as-needed” basis or as otherwise required by law. In certain situations, and in no event contrary to applicable public policy, we would share information about you to:
1) The Firm’s affiliated companies in order to provide a service to you;
2) a third party if reasonably necessary to enable them to perform services for The Firm such as claims inquiries, appraisals, or the detection of fraud or material representations;
3) governmental authorities only to the extent that Harman Stone Corporation is required to disclose any such Confidential Information pursuant to the legal process The Firm receives from such governmental authority;
4) persons or organizations conducting legitimate, authorized research.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Online Tracking
When you visit The Site or use Harman Stone Corporation’s services, some information such as your computer’s operating system, Internet Protocol (IP) address, access times, browser type and language, and website you visited before The Site is logged automatically and stored in log files. The Firm also collects information about your usage and activity on The Site. The Firm may tie your IP address to information it automatically collects on The Site. The Firm may also tie information we automatically collect with personal information, such as your login identification and information you give us at registration. Harman Stone Corporation uses its own products, and products of third parties acting on The Firm’s behalf, to analyze, optimize, and improve The Site.
The Site and The Firm’s marketing partners, affiliates, analytics providers, and leads management providers use cookies and similar tracking technologies to analyze trends, administer the site, track users’ movements around the site, and gather demographic information about our user base. The Firm may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
Harman Stone Corporation uses cookies for analytics, user experience and session tracking, as well as advertisement and video tracking. Users can control the use of cookies through their individual browser level. If you reject cookies, you may still use The Site, but your ability to use some features or areas of The Site may be limited.
Information We Share
Harman Stone Corporation does not use, disclose, sell or transfer any Confidential Information without consent unless required or permitted by law or regulation. In cases of permitted disclosure, The Firm will disclose information in compliance with applicable laws and regulations and will require the recipient to protect the information and use it only for the purpose provided.
For example, The Firm may disclose your Confidential Information to market your insurance coverage directly with insurers and providers. The Firm may also disclose your Confidential Information it collects, as described above, to companies that perform marketing services on our behalf or to other insurers or providers with whom The Firm has joint marketing agreements. Additionally, The Firm may disclose your Confidential Information in the event of a reorganization, merger, or sale.
Information Security
Harman Stone Corporation restricts access to your Confidential Information to only Firm employees who need to know such information to provide you with the insurance products or services for which you have engaged The Firm. Harman Stone Corporation maintains physical, electronic, and procedural safeguards that comply with U.S. federal and state regulations to guard your Confidential Information.
Live chat sessions on The Site are encrypted to encode information that you share with The Site’s operators. By contrast, be aware that e-mail messages sent in clear text over the public Internet can be observed by an unintended third party. Non-encrypted Internet e-mail communications may be accessed and viewed by other Internet users without your knowledge and permission while in transit to The Firm. If you wish to keep your information private, please do not use electronic mail to communicate information to The Firm or request information from it that you consider to be Confidential and/or Proprietary. If you wish, you may contact Harman Stone Corporation instead via telephone at the phone number provided elsewhere in The Site.
Correcting or Removing Your Personal Information
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
COPPA
The Firm does not knowingly collect online information from children under the age of 13. The Firm’s services are marketed to adults. If The Firm is notified that it has collected personal information, as defined by the Children’s Online Privacy Protection Act (COPPA), of a child under the age of 13, The Firm will delete the information as expeditiously as possible.
Links to Other Sites
Harman Stone Corporation may provide links to other websites not owned or controlled by The Firm that it thinks might be useful or of interest to you. The Firm is not, however, responsible for the privacy practices used by any other website or the content or accuracy contained on those other websites. Links to other websites do not constitute or imply endorsement by The Firm of those websites, any products or services described on those websites or any other material contained in them. You should contact those websites directly for their individual privacy policies.
Transfer
Harman Stone Corporation may transfer certain personal information across geographical borders to our subsidiaries or service providers nationwide working in conjunction with or on our behalf in accordance with applicable law. By providing The Firm with your personal information or using The Site, you consent to the collection, international transfer, storage, and processing of your personal information. These transfers may be governed by one or all the following arrangements, European Union (EU) standard contractual clauses, the U.S./EU Safe Harbor Framework or equivalent data transfer agreements to protect the security and confidentiality of personal information.
Changes to Our Privacy Policy
Harman Stone Corporation reserves the right to make changes to its Privacy Policy at any time. Such changes will be posted on this page. The Firm encourages you to review the website and the Privacy Policy periodically for any updates or changes. Your continued access or use of The Site shall be deemed your acceptance of all terms and conditions contained in this Privacy Policy.
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