Use of this web site signifies your acknowledgment and consent to this privacy policy. Please read this privacy policy carefully before providing your personal information to us.
McCluskey Insurance Services LLC (we or McCluskey Insurance) takes your privacy seriously and is committed to safeguarding your privacy online. Because we gather personal information from you when you visit this site or otherwise use our services, we have developed this privacy policy (the “Privacy Policy”) to help you understand the terms and conditions surrounding the collection and use of your personal information. This Privacy Policy discloses the types of personal information we gather, how it is used, and how you can gain access to and correct any data that we’ve collected about you at any time. By using this site or our services, you acknowledge that you have read and agree to be bound by this Privacy Policy and agree and acknowledge that you are subject to this website’s governing terms of service.
McCluskey Insurance collects personal information online primarily to provide you with a more relevant experience on this web site and in dealing with us. When doing so, we will make every reasonable effort to avoid excessive or irrelevant collection of data. We will take reasonable physical, electronic and organizational measures to safeguard and secure any personal information you provide to us (e.g. data will be stored in protected databases on secured servers with restricted access). However, given that electronically submitted data is not 100% secure, we make no representations or warranties as to the security of any personal information you submit online, which you do at your own risk.
We may collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device ("personal information"). In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:
| Category | Examples (Including, but not limited to) or (non-exhaustive list) | Collected (YES or NO) |
|---|---|---|
| A. Identifiers | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers. | |
| B. Personal information categories | A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. | YES |
| C. Protected classification characteristics | Age (40 years or older), race, color, age, ancestry, national and ethnic , citizenship, religion or creed (including religious dress and grooming practices), marital status, medical condition (including cancer or a record or history of cancer), AIDS/HIV, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy, childbirth, breastfeeding and related medical conditions), sexual orientation, veteran or military status, Political affiliations or activities, status as a victim of domestic violence, assault, or stalking, genetic information (including familial genetic information), request for family care leave, request for leave for an employee's own serious health condition, request for Pregnancy Disability Leave, retaliation for reporting patient abuse in tax-supported institutions. | YES |
| D. Commercial information | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies; information related to the provision of services to you, including policy information, claims information, and information related to any of your past claims and related losses; information related to your account activity and premium payment history. | YES |
| E. Internet or similar network activity | Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement. | |
| F. Geolocation data | Physical location or movements. | YES |
| G. Sensory data | Audio, electronic, visual, thermal, olfactory, or similar information. | NO |
| H. Professional or employment-related information | Current or past job history or performance evaluations. | NO |
| I. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)) | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. | YES |
| J. Inferences drawn from personal information | Profile reflecting a person's preferences, characteristics, trends, predispositions, behavior, attitudes, intelligence, abilities and aptitudes | YES |
We do not sell, rent, or trade consumer personal information, as those terms are currently defined by applicable law or regulation, to third parties other than as described in this Privacy Policy or in support of our service offerings to customers and consumers. We may disclose certain personal information as follows:
Except as provided above, we will not use or disclose personal information for purposes other than those for which it was collected, except with your consent, as required or permitted by law, and to provide the features and services you’ve requested and conduct routine business operations. At the time you register for certain features or services, you may be notified of, and asked to consent to, the sharing of your personal information necessary for the provision of these requested features or services.
Anytime you visit this web site, we may gather certain non-personally identifiable information regarding the means you use to access our site. This information may include the type and version of your browser, your service provider, your IP address, device ID, certain geo-location data, and any search engine or other referring site you may have used to locate the site. We use this information to help diagnose problems with our server, administer the Web site, conduct attribution reporting, personalize user experiences (including certain targeted features or advertising), and compile broad statistical data. In addition, we gather certain navigational information about where you go on this web site. This information enables us to determine which areas of the Web sites are most frequently visited and helps us to tailor the sites to the needs and interests of our online visitors. Such information is gathered by us in the aggregate and will not be associated with a specific individual except in connection with specific services and operations such as attribution reporting and maintenance of customer accounts.
We may use a browser feature known as a “cookie.” Cookies are small files placed on your hard drive that assist us in providing you with a customized browsing experience. We use cookies to provide you with the convenience of not having to reenter information, such as user IDs and passwords, multiple times during your visits to this web site. Cookies can also be utilized to help us provide you with information targeted to your interests, based upon your prior browsing on this web site. The “help” section of the toolbar on most browsers will inform you on how to prevent your browser from accepting new cookies, how to have the browser notify you upon the receipt of a new cookie, or how to disable the use of cookies completely. As this web site has been designed to take advantage of the use of cookies, should you configure your browser to decline their use, certain features of this web site may not function correctly, and you may be required to renter any user IDs and passwords more frequently.
Any personal information you provide to us (i.e. name, telephone, e-mail address, etc.) when you enroll in one of our e-mail , text messaging or similar services, request information, or use any of the other interactive portions of this web site may be used to provide you with information you’ve requested about our company, our products and our services, or to provide you with special notices. Certain financial and other personal information may be used to process the insurance coverage process with our partner insurers. You may opt out of receiving future communications at any time (see opt-out Procedures and Consumer Privacy Notice below). This data may also be used to tailor your experience on this web site by providing content that is relevant to your interests and geographic region.
This web site is hosted on servers located in the United States. As such, your connection will be through and to servers located in the U.S. Any personal information you provide during your visit will be processed and maintained on our Web server and other internal systems located within the U.S.
This web site contains links to other sites, including those to our partner insurers. We are not responsible for the privacy practices or the content of such web sites. To help ensure the protection of your privacy, we recommend that you review the privacy policy of any site you visit via a link from this web site.
The personal data record created through your registration with this web site can only be accessed by using the email address associated with that record. To protect the integrity of the personal information contained in this record, you should not disclose or otherwise reveal access credentials to third parties or allow them to use it.
Other than as set forth in this Privacy Policy, when any personally identifiable information about you may be shared with third parties you will have the ability to decline to share that information. You may opt-out of receiving future communications from us. This web site allows users to opt-out of receiving such communications at the point where personal information is requested, or through other means as identified.
We reserve the right to change and update this Privacy Policy. These changes will be made when appropriate, in a timely manner. We encourage you to examine our Policy from time to time to ensure you are aware of any changes we may have made. Your continued use of this site and affiliated sites after any such update indicates your agreement to the same.
This website may use third-party tracking services such as EZLYNX to collect non-personally identifiable online demographical and behavioral data generated by website visitors. A data collection script provided by this service and installed on this website may collect the following kinds of data: website session activity, including your personally identifiable information when entered into a form field such as name, phone, email, or when you arrive at our website through a link containing a unique identifier; links that you click, pages that you view, form fields that you select, and text fields that you enter. The information is used to compile your shopping activity to produce an individual shopping profile for you, which contains information about your brand preferences, and to aggregate your website behavioral data in form with all other visitors’ shopping activity data on our website to help us analyze industry trends, general shopping patterns, overall consumer demands, and website performance.
We believe that it is especially important to protect children's privacy online. This site is not intended for use or access by children under the age of 13, and we do not knowingly collect or use any personally identifiable information from children under the age of 13 and we do not knowingly provide any personally identifiable information, regardless of its source, to any third party for any purpose whatsoever from visitors younger than 13 years old. No information should be submitted to or posted by visitors younger than 13 years old. If you are a parent or guardian of a child under 13 and believe your child has provided their personal information to us, please contact us as described in this Policy to request that we delete that information.
As noted above, affiliates, third parties who place advertisements on this website, and other third-party service providers may collect and use information about your visits to and use of this website through the use of cookies, web beacons and other similar technologies. For example, we may work with companies that collect statistical information regarding site usage and provide related analytical services. We may work with third-party advertising companies that use cookies and web beacons to serve advertisements when you come to the site and to generate statistics and metrics related to the delivery of such advertisements. We also may work with third-party advertising platforms and networks that use cookies, web beacons and other technologies to collect information about your visits to and interactions with this site in order to provide you with communications and other advertisements.
Third-party service providers also may collect information from your devices and may combine personal and non-personal information about you with information from other sources including your visits to this and other websites, mobile websites and/or mobile applications across your various devices.
If you would like to obtain more information about the practices of some of these parties, or if you would like to make choices about their use of your information, please click here:
http://www.aboutads.info/choices/
More information and additional consumer choice options may be found at this link:
http://www.networkadvertising.org/managing/opt_out.asp
Information and additional consumer choice options regarding mobile device tracking may be found at these links (or successor URLs):
https://support.apple.com/en-us/HT202074
This site is intended for use solely in the United States (including its territories and commonwealths), Canada, and Mexico by U.S., Canadian, and Mexican residents. We make no claims that the site is appropriate for use outside of the United States, Canada or Mexico. We do not knowingly collect or solicit personal information from residents of the European Union.
Because we are an insurance agency, we share personal information with our partner insurers. We endeavor to work insurers whose privacy and data protection practices meet applicable legal requirements and our own privacy standards. However, we do not control their use of personal information and you should review their privacy policies before you provide information to us that you wish us to share with those insurers.
If you are a resident of California, Nevada, Virginia, Utah, Connecticut, or Utah, state law may provide you with additional rights regarding our use of your personal information. This information is intended to comply with the laws of these states (all such laws are collectively referred to for purposes of this Privacy Policy as the "State Privacy Laws"). Any terms defined in the State Privacy Laws have the same meaning when used in this Consumer Privacy Notice.
From anti-fraud and other crime prevention partners.
We may use or disclose the personal information we collect for one or more of the following business purposes:
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.
In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:
In the preceding twelve (12) months we have not sold personal information as that term is defined in the State Privacy Laws.
We may disclose your personal information for a business purpose to the following categories of third parties:
In the preceding twelve (12) months we have not sold personal information as that term is defined in appliable law.
The State Privacy Laws provide consumers with specific rights regarding their personal information. This section describes your rights and explains how to exercise those rights.
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
You may request that we correct any personal information that we have about you.
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service providers to:
In addition, if we share your personal information for cross-context behavioral advertising, you may request that we disclose the categories of personal information that we share, the categories of persons or entities with whom we share your information. You also may request that we cease sharing your personal information for this purpose.
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us at:
info@mymccluskeyinsurance.com or
513-999-5411
Only you (or a person registered with the Secretary of State or other appropriate agency of your state of residence that you authorize to act on your behalf) may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.
We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we reserve the right to deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option (if no preference is indicated we reserve the right to contact you at our discretion). Any disclosures we provide will only cover the 12-month period preceding the receipt date of the verifiable consumer request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the State Privacy Laws, we will not:
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
If you have any questions or comments about this Privacy Policy (including the provisions of the Consumer State Law Privacy Notice) the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under state law, please do not hesitate to contact us using the contact information available on this site.
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