Privacy Policy Statement

Welcome to our website. We at Carriage Hill value your privacy and are dedicated to protecting your personal data. This privacy policy outlines how we collect, use, store, and protect your personal data, and your rights concerning this data. We do not share your data with third parties for marketing or promotional purposes.

1. Data Sharing and Disclosure 

At Carriage Hill we do not share your personal data with third parties for marketing or promotional purposes. We may share your data with third parties only in the following circumstances:

•  Service Providers: With third-party service providers who perform functions on our behalf, such as IT service providers, data storage providers, and telecom service providers 
• Legal Obligations: When required by law or to respond to legal processes. 
• Protection: To protect our rights, property, and safety, or that of our customers and others.

2. Data We Collect 

We collect various types of personal data, including:

•  Identity Data: First and last name. 
• Contact Data: Email address, phone number, billing and delivery address
• Technical Data: IP address, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform. 
• Usage Data: Information about how you use our website, products, and services. 
• Marketing and Communications Data: Your preferences in receiving marketing from us and your communication preferences.

3. Methods of Data Collection 

We collect personal data using various methods, primarily through forms on our website: 

• Direct Interactions: You provide your personal data when you fill out forms, create an account, subscribe to our services, request marketing materials, or give us feedback. 
• Automated Technologies: As you interact with our website, we may automatically collect technical data about your equipment, browsing actions, and patterns. We collect this data using cookies, server logs, and other similar technologies

4. How We Use Your Personal Data

We use your personal data for the following purposes:

• SMS Program: If you opt into our SMS program, we will send you messages regarding our services, updates, policies, and promotional offers. You will receive messages about product updates, service notifications, and special offers. You can opt-out at any time. 
• Service Provision: To perform the contract we are about to enter into or have entered into with you. 
• Marketing and Communications: To send you marketing materials and communicate with you about our services. 
• Prospecting: To analyze your data to understand your preferences and prospects for new clients. 
• Customer Support: To respond to your inquiries and provide support.

5. Data Storage, Maintenance, and Protection 

We implement appropriate security measures to protect your personal data from being accidentally lost, used, or accessed in an unauthorized way, altered, or disclosed. These measures include: 

• Data Encryption: Encrypting personal data to protect it from unauthorized access. 
• Access Controls: Limiting access to personal data to authorized personnel only. 
• Regular Security Assessments: Conducting regular security assessments to identify and mitigate potential vulnerabilities.

6. Your Rights You have the following rights regarding your personal data: 

• Access: You can request access to the personal data we hold about you. 
• Correction: You can request correction of any incomplete or inaccurate data we hold about you. 
• Erasure: You can request deletion of your personal data where there is no good reason for us to continue processing it. 
• Objection: You can object to the processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation that makes you want to object to processing on this ground. 
• Restriction: You can request restriction of processing of your personal data.

7. Opt-Out Options and Mobile Information

You have the right to opt out of receiving marketing communications from us at any time by: 

• SMS: Replying "STOP" to any SMS message you receive from us. Email: Clicking the "unsubscribe" link in any email you receive from us. 
• Account Settings: Updating your preferences in your account settings on our website.

More on mobile information usage, collection, and privacy

• Our SMS program provides updates, notifications, and promotional messages related to our services. By subscribing to our SMS program, you consent to receive SMS messages at the phone number provided. Message frequency may vary based on your interaction with our service.
• We do not share your mobile information with third parties or affiliates for marketing or promotional purposes. Additionally, all the categories of personal data mentioned above exclude text messaging originator opt-in data and consent. This information will not be shared with any third parties under any circumstances. However, we may share your data with trusted service providers who assist us in operating our SMS program, provided they agree to keep your data confidential and use it solely for the purpose of providing services on our behalf.
• You have the right to access, correct, verify, or remove your personal information at any time. To manage your information, please contact us at 423-326-0033
• Opt-Out Option: If you wish to opt-out of receiving SMS messages, you may do so at any time by replying "STOP" to any of our messages or by contacting us directly at 423-326-0033
• Opting out will not affect your other interactions with our services.

8. Changes to this Privacy Policy 

We may change this Privacy Statement from time to time when necessary to reflect changes in our Services, how we use personal information, or the applicable law. If we make changes, we will revise the “Last Updated” date at the top of the statement. If we make material changes, we will provide you with notice or obtain consent regarding such changes as may be required by law. We encourage you to review the Privacy Statement whenever you access the Services or otherwise interact with us to stay informed about our privacy practices and the ways in which you can exercise choice over these practices. The practices described in this Privacy Statement are subject to applicable laws in the locations in which we operate.

Our agency makes every effort to maintain absolute privacy while using our web site. If information is ever viewed by another party, it is purely accidental and by using our web site, you release us from any liability should this information be downloaded, viewed or retrieved against our privacy rules. We shall not be liable for any unlawful acts of others who steal this information through any means.

We do not sell nonpublic information to anyone. We do not disclose nonpublic personal information to our affiliates or to non-affiliated third parties, except as required or permitted by law. As permitted by law, we may share nonpublic information with companies that perform administrative or marketing services to us. Our contracts with such companies prohibit them from using nonpublic personal information for any purpose other than that for which they were hired.

Disclaimer

Please contact our office at 423-326-0033 to discuss specific coverage details and your insurance needs. In order to protect your privacy, please do not send us your confidential personal information by unprotected email. Instead, discuss that personal information with us by phone.

Statements on this website as to policies and coverage's and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverage's pertain to their individual situation.

Information provided on this website does not constitute professional advice. If you have legal, tax or financial planning questions, you need to contact a qualified professional.

Notice of Insurance Information Practices

Personal information about you, including information from a credit report and loss history may be collected from persons other than you in connection with this application for insurance and subsequent policy renewals. You have the right to review your personal information in our files and can request correction of any inaccuracies. Such information as well as other personal and privileged information collected by us or our agents may in certain circumstances be disclosed to third parties without your authorization to assist in servicing your account. A more detailed description of your rights and our practices regarding such information can be accessed by contacting your agent or broker and asking for additional details about our information and disclosure practices.

Any person who knowingly and with intent to defraud any insurance company or another person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and subjects the person to criminal and (NY: substantial) civil penalties. (Not applicable in CO, HI, NE, OH, OK, OR, or VT; in DC, LA, ME, TN, VA and WA, insurance benefits may also be denied).

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 Carriage Hill Insurance, a cookie is only used to identify one unique visitor from another visitor during a particular session. A session is the period of active site-use while that unique visitor is linked to our server. We may use cookie technology during a session as a tool to carry forward your input information during the enrollment process. This enables the visitor to input their information once and have the information appear later during the enrollment 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 for more than 20 minutes. Should a previous visitor to our Web site return for a new session, they will be issued a new cookie and in no way will they be recognized as a visitor from a previous visit or session.

Third Party Links

This Web site may contain links to third party Web sites that are not controlled by Carriage Hill Insurance. 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 we are not responsible for the content of third party Web sites linked to us nor are we responsible for the privacy policy or practices of third party Web sites linked to Carriage Hill Insurance. Our Privacy Policy only applies to information we collect from you while you are at and while you are actively in a session with Carriage Hill Insurance. If you should link to a third party Web site from Carriage Hill Insurance, we strongly encourage you to review and become familiar with that Web site's privacy policy.

Mobile Text Messages

By checking this box I am  opting in to receive informative text messages from Carriage Hill Insurance you’re agreeing to receive recurring messages. Message and data rates may apply. If you’d like to opt-out of receiving text messages reply ‘STOP,’ if you need more information or help reply ‘HELP.’  Carriage Hill Insurance will never share your mobile information with third parties. Our Privacy Policy and Terms are listed below for review.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. This information will not be shared with any third parties.

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 423-326-0033.