PRIVACY POLICY

Legal Notice

All of the content featured or displayed on this site, including copyrighted materials, trademarks, trade names, text, graphics, photographs, images, illustrations, and software is owned by Insurance Blockchain Center, INC - DBA BindDesk Insurance Services and/or its parent company and subsidiaries (“BindDesk”). All elements and materials of this site are considered the intellectual property of BindDesk and are protected by laws relating to intellectual property rights.

Disclaimer

The content on this site is to be used for general purposes only. BindDesk assumes no responsibility for the accuracy and completeness of the information displayed on the site. Using any materials from this site is strictly prohibited except for your own personal or non-commercial use given that all copyrighted/trademarked materials or other legal notices are not removed or tampered with. You are also prohibited from using the site to advertise or perform any commercial solicitation. Any other use of the materials on this site is a violation of proprietary rights.

If you have any questions regarding privacy or personal security, contact us at (877) 465-7473 or email [email protected].

CCPA PRIVACY NOTICE

State of California Privacy Notice – As Prescribed by the California Consumer Privacy Act of 2018

Effective Date: January 1, 2020

Scope of this Privacy Notice

These California Resident Privacy Notice terms and conditions “(Privacy Notice”) are effective January 1, 2020 and supplement the information contained in the Insurance Blockchain Center, INC - DBA BindDesk Insurance Services.’s governing website Privacy Statement. This Privacy Notice applies solely to consumers who are California residents

Insurance Blockchain Center, INC - DBA BindDesk Insurance Services. through its operating subsidiaries (“We”) is outlining The California Resident Privacy Notice to inform on the personal information we collect or process about California residents in connection with the services we provide or offer specifically to our customers as a consumer, including through any site, application, or product that links to this Privacy Notice (the “Service”), how we use, share, and protect that personal information, and what your rights are with respect to your personal information that we gather and process.

Information We Collect

Although BindDesk business under the CCPA falls under a certain exemption that generally is applicable to the insurance industry, under limited circumstances we are acting as a business and some of your personal information is not otherwise excluded as set forth by the CCPA. Thus, pursuant to California law, some California residents have specific rights regarding how their personal information is collected.

We may use or disclose the personal information we collect for one or more of the following business purposes:

To fulfill or meet the reason for which the information is provided. For example, if you provide us with personal information in order for us to prepare an Acord application or insurance application, we will use that information to prepare a quote and may submit it to the applicable insurance carriers.
To provide you with information, products or services that you request from us.
To provide you with email alerts, event registrations and other notices concerning our products or services, or events or news, that may be of interest to you.
To carry out our obligations and enforce our rights arising from any contracts entered between you and us, including for underwriting, billing, collections and audits.
To improve our website and present its contents to you.
To respond to law enforcement requests and as required by applicable law, court order, or governmental and State Insurance regulations.
To review applications submitted for agency partner-relationships agreements and contracts, including any appointments that may require background checks if requested by our insurance carriers. (pursuant by the FCRA of 1970)
To maintain licensing requirements as needed by our carrier agreements and State Insurance Departments.

We obtain the categories of personal information listed above from the following categories of sources:

Directly from our Brokers and agents. For example, from documents that our brokers and agents provide to us related to the services for which they engage us.
Indirectly from our brokers or their agents. For example, through information we collect from our brokers and agents in the course of providing services to them.
Directly and indirectly from activity on our website (www.binddesk.com). For example, from submissions through our website portal or website usage details collected automatically.
Under certain circumstances, we may collect personal information for the Service pursuant to a contract we have with a commercial client (our “Client”) in such instances, we may be acting as a “service provider” and are obligated to process the personal information we collect or are provided in connection with the Service in accordance with instructions from or the contract with our Client, which is the “business” and ultimately responsible for determining how customers personal information will be handled.

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.

Personal information does not include:

Publicly available information from government records.
De-identified or aggregated consumer information.
Information excluded from the CCPA’s scope, like:

health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

If you have any questions or comments about this notice, our Privacy Statement, 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 California law, please do not hesitate to contact us [email protected].

This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS information contained in the Privacy Statement of BindDesk and its subsidiaries (collectively, “we,” “us,” or “our”) and applies solely to visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.

PRIVACY STATEMENT

Effective Date: December 16, 2020

Insurance Blockchain Center, INC - DBA BindDesk Insurance Services and its subsidiaries are committed to protecting your privacy as a visitor to our Web site and as our customer. Under our Privacy Statement, we want you to know your privacy protection is important to us.

Insurance Blockchain Center, INC - DBA BindDesk Insurance Services is the owner of the information, which is collected on this Web site. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.

Information Collection During Insurance Quote and Applications Forms

Our web sites’ insurance request forms may require users to provide us with contact information as a requirement for insurance coverage and when you purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send e-mail to us from our Web site. When you request a quote or purchase an insurance policy from Insurance Blockchain Center, INC - DBA BindDesk Insurance Services, we will ask you to provide your name, address, telephone number, and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy so they can establish you as a policyholder. We will maintain a record of your information at the offices of Insurance Blockchain Center, INC - DBA BindDesk Insurance Services. so, we can provide you with policyholder service. This data is necessary for the processing of, and future identification of, insurance quotes and confirmation of mailing addresses, and is used solely for those purposes. Information is never given or sold to third parties for any purpose, except to Insurance Blockchain Center, INC - DBA BindDesk Insurance Services affiliated businesses, and to third-party service providers acting on Insurance Blockchain Center, INC - DBA BindDesk Insurance Services behalf. Unique identifiers (such as social security numbers and EIN tax number) are collected from site visitors requesting insurance quotes solely for the processing of an insurance quote. This information is never given or sold to third parties for any purpose.

Online Payments of Premiums

When you purchase an insurance policy from Insurance Blockchain Center, INC - DBA BindDesk Insurance Services, you will pay the premiums with your credit card, personal check or through our website or through one of our Third-Party payment vendors. If you use your credit card to pay the premium, your credit card information is deleted from our records after your purchase has been authorized. A transaction number will be provided to you on your Binder of Insurance. You may use this transaction number as a reference to the credit card purchase. We do not keep a record of your credit card information. If you pay the premium using your personal check, we will keep a copy of your check within your physical file.

Cookies

A cookie is a piece of data that is stored on a visitor’s hard drive while they are visiting this Web site. We may utilize a short-lived form of cookie when you visit this site. At Insurance Blockchain Center, INC - DBA BindDesk Insurance Services, a cookie is only used to identify one unique visitor from another visitor during a session. We may use cookie technology during a session as a tool to carry forward your input information during the quoting process. No personally identifiable information is stored on the cookie. The cookie expires and is deleted from the visitor’s computer as soon as they close their browser or if they are not actively browsing our Web site.

Third-Party Links

This Web site may contain links to third-party Web sites that are not controlled by Insurance Blockchain Center, INC - DBA BindDesk Insurance Services. These third-party links are made available to you as a convenience and you agree to use these links at your own risk. Please be aware that Insurance Blockchain Center, INC - DBA BindDesk Insurance Services is not responsible for the content of third-party Web sites linked to Insurance Blockchain Center, INC - DBA BindDesk Insurance Services nor are we responsible for the privacy policy or practices of third-party Web sites linked to Insurance Blockchain Center, INC - DBA BindDesk Insurance Services. Our Privacy Policy only applies to information we collect from you while you are at and while you are actively in a session with Insurance Blockchain Center, INC - DBA BindDesk Insurance Services. If you should link to a third-party Web site from Insurance Blockchain Center, INC - DBA BindDesk Insurance Services, we strongly encourage you to review and become familiar with that Web site’s privacy policy.

Changes in Our Privacy Policy

We reserve the right to change this Privacy Policy without providing you with advance notice of our intent to make the changes.

If you have any questions about our privacy policy, please feel free to contact us at [email protected].

DISCLAIMER

The following disclaimer applies to all BindDesk General Insurance Services email messages.

Our emails provide an overview of coverages and services. Coverages may differ in availability by state. All coverages are individually underwritten. For a complete description of all coverages, terms and conditions, refer to the insurance policy. In the event of a conflict, the terms, conditions and exclusions of the policy prevail. All information and representations herein are as of 2018.

BindDesk has made every attempt to ensure the accuracy and reliability of the information provided on our emails. However, the information is provided “as is” without warranty of any kind. BindDesk does not accept any responsibility or liability for the accuracy, content, completeness, legality, or reliability of the information contained on our emails. BindDesk accepts no liability for the consequences of any actions taken on the basis of the information provided, unless that information is subsequently confirmed in writing. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this information is strictly prohibited.