Privacy Policy
Last Updated: June 5, 2020
In visiting our website, E.R. Quinn Company (“E.R. Quinn,” “we,” or “our”) wants you to know that you have control over your business and personal information. This Privacy Policy outlines our information sharing practices to help you understand how we protect your personal information and privacy, our information collection and use practices, and the measures we take to protect the confidentiality of that information. By using this website, you signify your acceptance of this Privacy Policy.
Please note: This Privacy Policy is supplemented by privacy notices tailored to our specific relationships with you, including privacy notices that are sent to individuals as required under applicable laws and regulations. E.R. Quinn reserves the right, in its sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on this website and to suspend and/or deny access to this website for scheduled or unscheduled maintenance, upgrades, improvements or corrections. The information and materials on this website may contain typographical errors or inaccuracies. Any dated information is published as of its date only, and E.R. Quinn does not undertake any obligation or responsibility to update or amend any such information except where required by law. E.R. Quinn may discontinue, change or update this web site at any time without notice.
Other websites and services of E.R. Quinn may contain privacy policies different from this Privacy Policy, and you are advised to review both policies, where applicable. This Privacy Policy is provided in accordance with and subject to applicable United States law and the EU General Data Protection Regulation, as and where applicable. If you decide to continue to access our online services from your location outside the United States, you hereby agree that your use of those services is subject to this Privacy Policy and your Personal Information may be transferred or processed in the United States.
Your Personal Information
Personal Information is information that identifies and relates to you or other individuals (such as your dependents). We do not sell your Personal Information to others under any circumstances. However, we may provide certain non-personally identifiable information to data clearinghouses in order to assist them in compiling broad based risk information for the benefit of the entire industry.
We collect only that amount of Personal Information which you choose to provide to us and which we need to properly operate our business. We may change the content of our website or services without notice, and consequently our Privacy Policy may change at any time in the future. We therefore encourage you to review this Policy from time to time to stay informed of how we are using Personal Information.
Privacy and Security Practices
We are committed to protecting the privacy of the individuals we encounter in conducting our business. Our aim is responsible handling of Personal Information, balancing the benefits of activities like research and data analytics with our other commitments, including transparency and non-discrimination. We support the concept of non-disclosure of your Personal Information and protect it as we protect our own confidential information.
E.R. Quinn will take appropriate technical, physical, legal and organizational measures, which are consistent with applicable privacy and data security laws. Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any Personal Information you might have with us has been compromised), please immediately notify us.
When E.R. Quinn provides Personal Information to a service provider controlled by E.R. Quinn, the service provider will be selected carefully and required to use appropriate measures to protect the confidentiality and security of the Personal Information as described in this Privacy Policy including under applicable contract, law or regulations. If we believe the security of your Personal Information in our possession or control may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we would endeavor to do so as promptly as possible under the circumstances, and, to the extent we have your e-mail address, we may notify you by e-mail.
Information We Collect
We know how important your privacy is to you and we appreciate you trusting us to handle your Personal Information responsibly and with integrity. We may collect Personal Information about you and your employees and operations as required to operate our business, including, but not limited to, the following:
General Identification and Contact Information: Your name; address; e-mail and telephone details; gender; marital status; family status; date of birth; passwords on our systems; educational background; physical attributes; activity records, such as driving records; photos; employment history, skills and experience; professional licenses and affiliations; relationship to the policyholder, insured or claimant; and date and cause of death, injury or disability.
Identification Numbers Issued by Government Bodies or Agencies: Social Security or national identification number; passport number; tax identification number; military identification number; or driver’s or other license number.
Other Sensitive Information: In certain cases, we may receive sensitive information about you including, but not limited to, medical and treatment information, health insurance information, biometric information, and payee financial account information. In addition, we may obtain information about your criminal record or civil litigation history in the process of preventing, detecting and investigating fraud or otherwise. We may also obtain sensitive information if you voluntarily provide it to us (for example, if you express preferences regarding medical treatment based on your religious beliefs).
Telephone Recordings: Recordings of telephone calls to our representatives.
Information Enabling Us to Provide Services: Location and identification of property insured (for example, property address, vehicle license plate or identification number); travel plans; age categories of individuals you wish to insure; policy and claim numbers; coverage/peril details; cause of loss; prior accident or loss history; your status as director or partner, or other ownership or management interest in an organization; and other insurance you hold.
Sources
In the course of carrying out its business operations, E.R. Quinn may collect Personal Information from: the consumer; the claimant; the policyholder; external advisors and consultants, including, but not limited to, lawyers, investigators, experts, and medical providers; brokers and agents; witnesses; and appointed representatives. To improve the quality of our services, and to carry out research and analysis, we and our service providers may supplement the Personal Information we collect with information from other sources, such as publicly available information from social media services, commercially available sources and information from our affiliates or business partners.
Online Tracking
We may share non-personally identifiable information collected and displayed on an aggregate basis with persons or organizations conducting legitimate research and in accordance with applicable law.
Click Streams
We may capture click streams to help us learn what parts of our website are most popular and among which audiences. We may also use them to help us optimize our user interface, to analyze site usage statistically, to improve content, and to customize our website's content and layout. We analyze click stream data to track trends and behaviors, not individuals. We are interested in our audience size, return visit rate, and similar data on an deidentified and aggregate basis. We also capture date and time information of visits, pages visited, and the time you spend with us.
Cookies
Cookies are pieces of information that a website site transfers to your computer's hard drive for record-keeping purposes. They can make the site more useful by storing information about your preferences. Cookies do not identify a user, but they do identify a user's computer. Most browsers are set up to accept cookies. If you prefer, you can set your browser to refuse cookies, but some online services on our website will not function without them.
We do not use cookies to track or report on activity when you are not on our website or to provide such information to other parties. We do not use cookies to collect personal information such as your e-mail address, and we do not combine information collected through cookies with your Personal Information. We make no attempt to look at or examine other cookies or information that may be stored on your computer.
Information We Share
In the course of conducting our business, we may share information you or your employees provide to us strictly on an as-needed basis or otherwise required by law. In certain situations, and in no event contrary to applicable public policy, we would share information about you to: 1) our affiliated companies in order to provide a service to you; 2) a third party if reasonably necessary to enable them to perform services for us, such as claims inquiries, appraisals, or the detection of fraud or material misrepresentations; 3) prevent, detect and investigate crime, including fraud and money laundering, and analyze and manage other commercial risks; 4) carry out research and analysis, including analysis of our sellers’ information, customer base and other individuals whose Personal Information we collect as explained in this Privacy Policy; 5) manage our infrastructure and business operations, and comply with internal policies and procedures, including those relating to auditing; finance and accounting; billing and collections; IT systems; data and website hosting; data analytics; business continuity; and records, document and print management; 6) resolve complaints and handle requests for data access or correction; 7) comply with applicable laws and regulatory obligations (including laws outside your country of residence), such as those relating to anti-money laundering, sanctions and antiterrorism where applicable; comply with legal process; and respond to requests from public and governmental authorities (including those outside your country of residence); 8) establish and defend legal rights; protect our operations or those of any of our group companies or business partners, our rights, privacy, safety or property, and/or that of our group companies, you or others; and pursue available remedies or limit our damages; and 9) governmental authorities only to the extent that we are required to disclose any such Personal Information pursuant to the legal process we receive from such governmental authority. We may also share your information in relation to a merger, sale, financing, acquisition or other transaction involving all or a part of E.R. Quinn with another company. There may be other ways in which Personal Information is collected or transferred or stored, as such this policy is subject to change, improvements and updates without notice.
We will not use, disclose, sell or transfer any Personal Information in a manner materially different than explained in this Privacy Policy without your consent unless required or permitted by law or regulation. In cases of permitted disclosure, we 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.
Information Processing
With regard to Personal Information originating from clients, partners, or other affiliated entities located within the European Economic Area (“EEA”), E.R. Quinn will process Personal Information only: (i) in accordance with the terms of the applicable data processing agreement; or (ii) based on specific instructions provided to E.R. Quinn in writing. The foregoing shall apply to the extent E.R. Quinn is not subject to a law of the EEA that conflicts with (i) or (ii).
Processing operations provided by E.R. Quinn, shall be documented in writing and shall include at a minimum, the particular subject matter of the processing of the Personal Information, the nature and purpose of the processing, the types of Personal Information processed, and the categories of affected data subjects.
Information Security
We restrict access to your Personal Information to our employees and service providers who need to know such information in order to provide you with the insurance products or services which you have engaged us. We maintain physical, electronic, and procedural safeguards that comply with U.S. federal and state regulations to safeguard your Personal Information. E.R. Quinn may employ various technical and organizational measures to ensure appropriate security, including but not limited to: (i) using pseudonyms and encrypting Personal Information; (ii) the ability to ensure the ongoing confidentiality, integrity, availability and resilience of processing systems and services; (iii) the ability to restore the availability of and the access to the Personal Information in a timely manner in the event of a physical or technical incident; (iv) a process for regularly testing, assessing and evaluating the effectiveness of the technical and organizational measures for ensuring the security of the processing of Personal Information.
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 us. While we strive to make all of the information we receive and process as secure as possible, no transmission system or data network can be guaranteed to be 100% secure. As a result, there are data security and privacy limitations inherent to the Internet, and that the security, integrity, and privacy of any and all information exchanged cannot be guaranteed. If you wish to keep your information private, please do not use electronic mail to communicate information to us or request information from us that you consider to be confidential and/or proprietary. If you wish, you may contact us instead via telephone at the phone number provided elsewhere in this website.
Links to Other Sites
We may provide links to other websites not owned or controlled by us that we think might be useful or of interest to you. We are not, however, responsible for the privacy practices used by other website owners or the content or accuracy contained on those other website. Links to other websites do not constitute or imply endorsement by us of those websites, any products or services described on those websites or any other material contained in them. We encourage you to contact those websites directly for their individual privacy policies and to review such policies carefully.
Use of Services by Minors
This website is not directed toward individuals under the age of eighteen (18) years old. E.R. Quinn is not in the business of intentionally collecting Personal Information from individuals under the age of eighteen (18) years old through this website. These individuals should not provide Personal Information through this website.
Changes to Our Privacy Policy
We reserve the right to make changes to our Privacy Policy at any time. We encourage you to review the website and the Privacy Policy in particular periodically for any updates or changes. Please review the “LAST UPDATED” date at the top of this Privacy Policy to see when it was last revised.
Who to Contact About Questions Concerning Your Privacy & Personal Information
If you have any questions regarding this Privacy Policy or our practices, you can contact us at:
E.R. Quinn Company
119 North Park Avenue, Suite 407
Rockville Centre, NY 11570
Attn: Edward R. Quinn, III, Edward.QuinnIII@RQM.us.com, 516-960-0701
David Gomes, David.Gomes@RQM.us.com, 516-960-0567