Richmond National Group, Inc. and its subsidiaries (each, “Richmond National”, “We” or “Us” or “Our”) is committed to safeguarding your privacy. This policy describes the types of information collected from visitors to Our website, applicants for, purchasers of, or claimants under Our insurance policies, and other users of Our services. It also describes how that information may be used, your rights to access or update your information, and how you can limit its use or disclosure.
We use personal information to conduct Our business. Personal information means any information that could reasonably be used to identify you, including your first and last name, your home address, email address, telephone number, social security number, IP address, or geolocation data (“Personal Information”). For purposes of the California Residents section of this Policy, Personal Information takes the meaning assigned in the California Consumer Privacy Act of 2018.
By way of example, We may require Personal Information to underwrite an insurance policy or adjust a claim, or use it to evaluate the impact of Our marketing efforts. We understand and appreciate the trust Our customers and others place in Us to protect that information from unauthorized access and use it as described in this policy, in a lawful manner, and consistent with reasonable expectations. We take Our privacy obligations seriously. Among other steps We have taken:
Our Chief Legal and Compliance Officer is responsible for privacy. Our employees participate in training, testing, and awareness programs concerning privacy and information security. We regularly evaluate Our data security practices, so We can take appropriate measures to help safeguard and protect Personal Information in Our control from unauthorized access. We provide timely and appropriate policies, as required by law, in the event of unauthorized access to that information. We work with Our service providers and suppliers who have access to Personal Information to include appropriate data security measures in Our contracts. We assess new vendors’ information security practices and periodically review security assessment and risk mitigation initiatives for third-party hosted applications.
Information We May Collect
To conduct Our business, including by operating Our websites, We or Our service providers collect certain Personal Information from or about you. We may collect this information using technology or from third parties. You also may choose to provide Personal Information to Us – for example, by sending an e-mail, registering for an account, participating in a survey, responding to a feedback or “contact us” form, or signing up for or using Our services. We may use your Personal Information to evaluate your service needs and contact you regarding additional services you may find helpful. Please notify Us at firstname.lastname@example.org if you do not wish to receive such contact.
Website Browsing Information
We, along with third parties and service providers, may use automated technologies such as cookies, pixels, and similar technologies to collect information about your internet-connected devices and use of Our website. This information may include your IP address, browser characteristics, operating system, domain name, the site from which you enter Our website, dates and times of your visits, the language your system uses, and the country and time zone in which your device is located. These automated technologies also permit the collection of “clickstream data,” which may include information about the content you access while browsing Our website (such as the pages you visit and how much time you spend on each page).
Cookies, pixels and similar technologies may include:
Cookies are small data files sent from a website’s server and stored on your device’s hard drive either for the duration only of your visit – session cookies – or for a fixed period – persistent cookies. Cookies contain information that a web server can later read.
Pixels or web beacons are small, generally transparent images embedded in web pages, applications, and emails. They also may be called “clear gifs,” “single-pixel gifs”, “page tags” or “web bugs.” We may use pixels to track the web pages you visit, test the effectiveness of Our marketing, and find out if an email has been opened and acted on.
What We Do With Information Collected
We may use information, including Personal Information, as described in this policy. Some of the ways we may use your information are:
Transactions We may store your information as part of a transaction history. We also may share your information with service providers that We use to complete your requests, operate Our services and respond to your inquiries to Us.
Service and Support We may use your information to provide service and product updates, and distribute related feedback or satisfaction surveys to help Us improve Our service and product offerings.
Matching We may use your information to match it with other public and private data to enhance Our records. We also may work with service providers who also possess information about you to improve Our marketing.
Selecting Content We may use your information to help create relevant and user-friendly content and assist navigation on Our website.
Account Information We may store your information to maintain your account or profile. You may request to update your information at any time by sending an e-mail to email@example.com.
Inquiries and Requests for Information, Services, or Quotes If you have submitted an inquiry, requested information, services, or a price quote, We will provide your information to employees or independent agents to assist with your request. We may also use information for general marketing and advertising purposes, including sending advertising to you.
Legal Compliance We may be required to disclose information We collect to comply with legal or regulatory requirements or to protect the safety of Our customers, employees, or property.
Corporate Sale, Merger, Acquisition, or Other Transfer of Assets We may share your information as part of a corporate sale, merger, acquisition, or other transfer of some or all of Our assets, including as part of a bankruptcy proceeding.
Fraud Prevention We may use your information to help protect against fraud and other unlawful activities.
If you choose to reject Cookies, Our Websites may not function properly for you.
Website Analytics For information about Google Analytics please click on this link: https://www.google.com/policies/privacy/partners/. To opt-out of Google Analytics, please copy and paste “tools.google.com/dlpage/gaoptout” into your browser and download the Google Analytics opt-out browser add-on.
Do Not Track Your browser settings may allow you to transmit a Do Not Track signal to Our website automatically. We do not respond to Do Not Track signals or other mechanisms. For more information on Do Not Track, please click on this link: http://www.allaboutdnt.com.
Links To Third Party Websites
We Do Not Sell Your Personal Information
We do not sell Personal Information as a stand-alone product or service. If We pursue the sale, merger, liquidation, dissolution, or transfer of all or part of Our business, trade, or assets, We may share information about you with prospective buyers under non-disclosure agreements. We may sell, assign or transfer any or all Personal Information collected through Our website or through conducting the business of insurance to an acquiring party. Your use of Our website and provision of Personal Information to Us demonstrates your consent to the sale and transfer of your information under such circumstances.
We Are Serious About Security
We work hard to prevent unauthorized access to your information. We have appointed a Chief Legal and Compliance Officer who is responsible for privacy, and We educate and train Our employees about the importance of privacy and information security. We also use appropriate security measures in Our efforts to safeguard and protect the confidentiality of your information, prohibit the unlawful disclosure of it, and limit access to it. We may sign contracts with Our service providers and suppliers who have access to your Personal Information that require them to use appropriate security measures.
We Do Not Request Sensitive Information By E-mail We do not request sensitive information such as social security number, account number or password, via e-mail. Please notify Us immediately at firstname.lastname@example.org if you receive an e-mail identified as coming from Us requesting sensitive information.
Do not provide sensitive information in response to that e-mail.
How We Treat Social Security Numbers In some instances, We may need to collect, other than through e-mail, and use Social Security Numbers (“SSNs”). We safeguard and protect the confidentiality of SSNs, prohibit the unlawful disclosure of SSNs, and limit access to SSNs to those employees or service providers who require access to that information.
We do not knowingly seek information from or about children under the age of 13 online, and We do not knowingly market any of Our products or services to children under the age of 13 online. If We become aware that a child under the age of 13 is attempting to or has submitted information to Us via Our website, We will delete the submitted information.
Regarding How We Use Your Information
If you have questions about this policy, please direct your concern or questions to email@example.com.
To Correct Your Information
If you are not a resident of California, and you would like to receive a copy of the Personal Information We have about you, please send a request to firstname.lastname@example.org. We will make reasonable efforts to comply with your request. If you believe this information is incorrect or incomplete, please notify Us. We will work to make any appropriate corrections or updates as promptly as possible and in accordance with applicable laws. You also may request that We limit Our use of your Personal Information. If you do, We will make reasonable efforts to do so.
Unsubscribe from E-mails
Some emails have a built-in unsubscribe link that you can use to opt-out of emails from Us. You may still receive emails related to correspondence or transactions with Us.
Please address any written inquiries to Richmond National Group, Inc., Attn: Chief Legal and Compliance Officer, 3951 Westerre Parkway, Suite 200, Richmond, VA 23233 or to email@example.com.
California Privacy Rights
The California Consumer Privacy Act of 2018 (“CCPA”) affords certain rights to the residents of the State of California. The following disclosures apply only to the Personal Information of California residents that is subject to the CCPA.
Personal Information We Collect and Disclose for a Business Purpose
In the past 12 months, We may have collected and disclosed for a business purpose the following categories of Personal Information about California consumers. As further set forth in the chart below, in the past 12 months, We may have disclosed California consumers’ Personal Information to third parties for business or commercial purposes. We do not sell Personal Information, as “sell” is defined under the CCPA
Categories of Sources
We collect Personal Information from the following categories of sources:
Consumers; Service providers; Consumer data resellers; and Government entities
Why We Collect, Use, and Share California Information
We use and disclose the Personal Information We collect for Our commercial and business purposes, as further described in this policy. These commercial and business purposes include, without limitation:
Our commercial purposes, including marketing, advertising, authentication, identity resolution, fraud prevention, fulfillment services, and facilitating transactions. Our business purposes as identified in the CCPA, which include: Auditing related to Our interactions with you; Legal compliance; Detecting and protecting against security incidents, fraud, and illegal activity; Debugging; Performing services (for Us or Our service provider) such as account servicing, processing orders and payments, and analytics; Internal research for technological improvement; Internal operations; Activities to maintain and improve Our services; and other one-time uses.
Recipients of California Personal Information
We do not sell Personal Information, as “sell” is defined under the CCPA. We disclose the categories of Personal Information designated above to the categories of third parties listed below for business purposes:
Service providers; Government entities; Data analytics providers; Operating systems and platforms; and Social networks.
Your Rights Regarding Personal Information
California residents have certain rights with respect to the Personal Information collected by businesses. If you are a California resident, you may exercise the following rights regarding your Personal Information, subject to certain exceptions and limitations:
The right to know the categories and specific pieces of Personal Information We collect, use, and disclose about you, the categories of sources from which We collected Personal Information about you, Our purposes for collecting Personal Information about you, the categories of Personal Information about you that We have disclosed for a business purpose, and the categories of third parties with which We have shared Personal Information. The right to request that We delete the Personal Information We have collected from you. The right not to receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA. To exercise any of the above rights, please contact Us using the following information and submit the required verifying information, as further described below:
By phone at 804-256-0525
Email Us at firstname.lastname@example.org.
Verification Process and Required Information
We may need to request additional information from you to verify your identity or understand the scope of your request, although you will not be required to create an account with Us to submit a request or have it fulfilled. We will require policyholders and claimants to provide, at a minimum, their name, address, email address, and claim or policy number.
You may designate an authorized agent to make a CCPA request on your behalf. If so, you must provide the authorized agent written permission to do so, We may require that you verify your identity directly with Us and We may require other proof of the agent’s authority to act on your behalf.
Contact for More Information
For questions or concerns about Our policy or practices, please contact Us by using the information below.
By phone at 804-256-0525
Email Us at email@example.com.
Changes To This Policy
We may change this policy from time to time and We encourage you to review it regularly.
Your continued use of Our website after Our new policy becomes effective tells Us that you have accepted the changes We made.
United States Audience
We only are licensed to sell our insurance products in the United States. Our Website is designed for use in the United States. It is neither directed to nor intended to be used by any person or entity in any other jurisdiction or country.
Last updated: September 2021.