Privacy Notice CONSUMERS

AMERICAN BROKERAGE SERVICES, INC. WEBSITE PRIVACY POLICY FOR CONSUMERS

American Brokerage Services, Inc. (“ABS”, also referred to as “we”, “our” or “us”) owns and operates this website (the “Website”). This privacy policy set forth below (the “Privacy Policy”) applies to visitors (“you” or “your”) use of this Website and governs data collection and usage. We have established strict standards to maintain the privacy and security of information we collect over the internet.

Information We Collect

You are not required to provide personal information to browse the information found on our websites. Personal Identifiable Information is only collected when you voluntarily provide it to us. “Personal Identifiable Information” collected about you and your dependents/beneficiaries may include:

General identification and contact information: your name, postal address, e-mail address, telephone number, gender, marital status, family status, date of birth, educational background, physical attributes, activity records, passwords on our Website, driving records, photographs, employment history, skills and experience, professional licenses and affiliation, relationship to policyholder, insured or claimant, date and cause of death, injury or disability.
Identification numbers issued by government bodies or agencies: Social Security or national insurance number, passport number, tax identification number, military identification number, driver’s license number or any other license number.
Financial information and account details: payment card numbers, bank account or other financial account number and account details, credit history, credit score, assets, income, and other financial information.
Medical condition and health status: current or former physical, mental, or medical condition, health status, injury or disability information, medical procedures performed, personal habits (for example, smoking or consumption of alcohol), prescription information and medical history.
Recordings of telephone calls to our representatives and call centers.
Photographs or video recording created in connection with insurance or other business activities: claims assessment, processing, settlement, and disputes, or for other relevant purposes as permitted by law.
Information to investigate or prevent crime: fraud and money laundering.
Information enabling ABS to provide products and services: age categories of individuals insured, policy and claim numbers, coverage details, your status as a director or partner, or other ownership or management interest in an organization and other insurance you hold.
Marketing preferences, customer feedback and survey responses.
Personal Identifiable Information collected on social media accounts.
Information from other sources: publicly available information from social media services, commercially available sources and information from our affiliates and business partners.

In certain cases, we may receive sensitive information about you. For example, if you apply for insurance or other products through a third-party marketing partner that is a professional, trade, political, religious or community organization. In addition, we may obtain information about your criminal record or civil litigation history in the process of preventing, detecting, and investigating fraud. We may also obtain sensitive personal information if you voluntarily provide it to us.

Except as provided in this Privacy Policy, we will maintain the confidentiality of your Personal Identifiable Information and will not disclose or sell information to third parties.

Use of Personal Identifiable Information

We will not sell, disseminate, disclose, trade, transmit, transfer or share any Personally Identifiable Information about you or any dependent/beneficiary to any third party unless the release of such information is: (i) specifically authorized by you; (ii) necessary to complete the transactions requested by you; (iii) required either by law or to comply with legal process served on ABS; (iv) necessary to protect or defend the rights or property of ABS; (v) required by exigent circumstances or to protect individual personal safety or the public; or (vi) otherwise permitted by this Privacy Policy.

We may use Personal Identifiable Information for one or more of the following purposes:

To fulfill the purposes for which you provided the information. For example, if you share your name and contact information to request a price quote or ask a question about our products or services, we will use that Personal Identifiable Information to respond to your inquiry. If you provide your Personal Identifiable Information to purchase a product or service, we will use that information to process your payment and facilitate delivery.
To provide information to group policy owners or their designees (for example, to your employer for employer-sponsored plans and their authorized service providers).
To provide information to insurance carriers.
To provide information to external third-party service providers, such as medical professionals, accountants, actuaries, auditors, experts, lawyers and other professional advisors, travel and medical assistance providers, call center providers, information technology systems, support and hosting service providers, printing, advertising, marketing and market research and analysis service providers, banks and financial institutions that service our accounts, third party claim administrators, document and records management providers, claim investigators and adjusters, construction consultants, engineers, examiners, jury consultants, translators, and similar third party vendors and outsourced service providers that assist us in carrying out our business and commercial activities.
To provide, support, personalize and develop our Website, products and services.
To provide to employees, contractors, attorneys, affiliates or other persons or businesses that provided services to ABS with regards to the Website.
To create, maintain, customize, and secure your account with us.
To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
To help maintain the safety, security, and integrity of our Website, products and services, databases and other technology assets, and business.
For testing, research, analysis, and product development.
To carry out user experience surveys.
To comply with applicable laws and regulatory obligations (including laws outside your country of residence), such as those relating to anti-money laundering, sanctions, and anti-terrorism.
To comply with legal process and to respond to requests from public and governmental authorities (including those outside your country of residence).
To establish and defend legal rights, protect our operations or those of any of our affiliates or business partners, our rights, privacy, safety, property and to pursue available remedies to limit our damages.
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Identifiable Information held by us about our Website users/consumers is among the assets transferred.

We may use your Personal Identifiable Information for research and development purposes, including, to analyze and improve the Website and our business and for business promotion purposes. We turn Personal Identifiable Information into anonymous data by removing any data that personally identifies you to third parties.

Our subsidiaries and affiliates may have access to and use of Personal Identifiable Information in connection with the conduct of our business where appropriate.

We do not sell or release your information to outside marketers who may want to offer you their own products and services unless we receive your express consent; nor do we release information we receive about you from a consumer reporting agency.

How We Collect Information

Depending on your relationship with us, we may ask you to provide certain Personal Identifiable Information about you and your dependents/beneficiaries to adequately provide goods or services to you. For example, you may provide us with general identification and account information such as your name, telephone number, policy or account number, postal address, email address, or date of birth when you:

Apply for or obtain a product through ABS;
Request that an ABS representative contact you.
Instruct ABS to perform a transaction.
Fill out an online survey or form or participate in a promotion.
Ask to receive information about ABS’ products and services.
Register for online access to access your account; and/or
Download, link to or use our mobile apps or those maintained by a third party.

You may also provide us with your financial information and goals when you use certain services, features or tools on our Website.

We may include widgets, tool bars or icons from social media providers on our Website that allow you to interact or share information with them and these social media networks may collect information about your browsing on the pages of our Website. Such collection may occur where the widgets, tool bars or icons are visible, even when you do not click on or otherwise activate the widgets, tool bars or icons. The privacy policy of the relevant social media network controls the collection, use and disclosure of all information collected by that social media network.

Third parties may collect Personal Identifiable Information about your online activities over time and across different websites when you use our Website. We may share information with marketing providers, analytics providers, and Advertising Partners. “Advertising Partners” means advertising networks which deliver targeted advertisements to consumers, including advertisements with links to our Website and advertisements which generate related statistics and metrics. These Advertising Partners may utilize information collected through a variety of data technologies to provide advertising placement, customization, auditing, research and reporting for us and other advertisers.

Our Website may collect internet protocol addresses for the purposes of systems administration, authentication and security, server problem diagnosis and compiling aggregate information, such as how many visitors access the Website. When you visit a particular page on our Website, our servers may log your internet protocol address. An internet protocol address is a number that is assigned to your computer automatically when you use the internet.

Our Website may use cookie technology to improve your experience and gather information for statistical reporting and other related business purposes. A cookie is a small piece of information sent by a site that is saved on your electronic device. A cookie holds information a site may need to personalize your experience and gathers statistical data, such as which pages are visited, what is downloaded, the internet provider’s domain name, countries that our visitors come from, and the addresses of sites visited immediately before and after visiting our Website. We may use cookies in conjunction with third party services to obtain demographic data on visitors to our Website. You can stop certain types of cookies from being downloaded on your electronic device by selecting the appropriate settings on your web browser.

If you disclose any Personal Identifiable Information relating to other people to us or to our service providers, you agree to: (i) inform the individual about the content of this Privacy Policy and any other applicable privacy notice provided to you; and (ii) obtain any legally required consent of Personal Identifiable Information about the individual in accordance with this Privacy Policy and any other applicable privacy notice provided to you.

How We Protect the Security of Your Personal Identifiable Information

We are committed to ensuring the security of Personal Identifiable Information and take all appropriate technical, physical, legal, and organizational measures to safeguard your data and Personal Identifiable Information in accordance with applicable privacy and data security laws. Unfortunately, despite our best efforts, no data transmission over the internet or data storage system can be guaranteed to be 100% secure and we cannot guarantee the security of networks and systems we operate or that are operated on our behalf. We do not guarantee or warrant that any part of this Website, including files available for download, are free of viruses or other harmful code. It is your responsibility to take appropriate precautions, such as the use of anti-virus software, to protect your computer hardware and software while using the internet.

If you have reason to believe that your interaction with us is no longer secure (for example, if you suspect that the security of your Personal Identifiable Information you have shared with us has been compromised) or if you have any other data security questions or concerns related to ABS, please contact us as specified in the How to Contact Us section of this Privacy Policy. To protect your privacy, please do not use email to communicate any information that you want kept confidential.

Our employees are authorized to access your Personal Identifiable Information only when they need it to perform their job responsibilities. Employees who have access to your Personal Identifiable Information are aware of this Privacy Policy and are required to (i) keep Personal Identifiable Information confidential; and (ii) complete privacy training annually. We regularly review data flows and identify points in which Personal Identifiable Information is vulnerable and create controls and protections as appropriate.

Should your relationship with us end, we will continue to follow the procedures described in this Privacy Policy to the extent that we retain Personal Identifiable Information about you. We will store such information in accordance with applicable laws or regulatory requirements and retain data for as long as necessary to fulfill those purposes for which the personal data was collected. If we no longer need to retain that information, we will dispose of it in a secure manner.

Children’s Personal Identifiable Information

The Website is designed for a general audience and is not directed to children under the age of 13. We do not knowingly collect or solicit Personal Identifiable Information from children under the age of 13. If we learn that we collected Personal Identifiable Information from a child under the age of 13, we will promptly dispose of that information in a secure manner. If you believe that a child under the age of 13 may have provided us with Personal Identifiable Information, please contact as specified in the How to Contact Us section of this Privacy Policy.

Update to the Privacy Policy

We review this Privacy Policy regularly and reserve the right to update this Privacy Policy at any time and without prior notice to you to reflect changes in our privacy practices. We will indicate at the bottom of the Privacy Policy when it was most recently updated.

How to Contact Us

To update your preferences, update or correct your information, submit a request, or ask us questions about this Privacy Policy, please contact by email at privacy@absgo.com or write to us at:

American Brokerage Services, Inc.
Attn: Privacy Notice Inquiry
805 East Willow Grove Avenue, S-2B
Wyndmoor, PA 19038

Rev. Nov-23