Adaptive Risk Advisors, LLC (collectively, “ARA”, “we”, “us” or “our”) understands that privacy is an important issue for visitors to our website at www.adaptiveriskadvisors.com. It is the policy of ARA to protect the nonpublic, personally identifiable information of our customers and to keep this information secure and confidential. The following explanation is provided to help our website visitors understand what information is gathered through our site and how that information is handled and used once it is gathered.
Information Gathering and Use
Nonpublic, personally identifiable information that is provided to ARA is gathered and maintained to provide users with the product or service requested, and to service customer accounts. Nonpublic, personally-identifiable information may include such information as:
- Phone number
- Driver’s license no.
- Email address
- Financial information
Information can be provided to ARA in a variety of ways including customer applications or other forms, customer transactions with ARA, insurance support organizations and prospective employees who apply for a position with ARA. The above listed nonpublic, personally identifiable information and ways of collecting this information are examples from this site and may not be all inclusive. ARA may preserve all information you provide for as long as required or permitted by regulation or law.
Information provided will be used in the normal course of business to provide services to the user and enhance the user experience. Nonpublic, personally identifiable information will be shared with (1) our affiliated insurance companies and, (2) authorized third parties as necessary to provide services to the user, or otherwise as required or permitted by law. These third parties may include but are not limited to:
- Independent agents or brokers
- Independent claims adjusters or investigators
- Other insurance companies or consumer reporting agencies involved in your application/policy/claim
- Lienholders or other parties with a legal interest in your policy
- Service providers
- Insurance support organizations for fraud protection
- Scientific research businesses that conduct studies such as actuarial or underwriting studies
- Authorized persons by court order or as required by law
- Medical providers
- Certificateholders or policyholders
- Law enforcement, regulators or other governmental authorities
ARA contractually prohibits these vendors from using your personal data for any other activities and from disclosing, selling or leasing that data to any other parties. ARA does not sell or redistribute this information; however, in the event of a merger, acquisition, asset sale or other transfer of company assets, reorganization, bankruptcy or similar event, personal information collected through this site may be transferred to or assigned to another entity, if permitted and done in accordance with applicable law, without your consent.
ARA does not collect or display nonpublic, personally identifiable information through its public access areas, except for the collection of contact information necessary to provide products or services to the requesting party. Some of the collected contact information is stored in a secured database and sometimes is used to generate reports that assist ARA in improving service. This contact information is not provided to anyone outside our company except as necessary to deliver products or services as requested.
To help us improve the content and services of our website, ARA gathers anonymous general technical data from each site visit. This data allows us to determine how many people visit our website, when they visit, what pages they visit, how long they stay and the website from which they connected to our website. We may gather such information through cookies, tags and other technologies as described in the “Cookies and Other Technologies” section below.
Compelled Disclosure of Personal Information
There may be times when we are required by law to disclose the information that you have submitted. Unless we are legally prohibited to do so, we will do our best to provide you with notice that a request for your information has been made to give you an opportunity to object to the disclosure. If you do not challenge the disclosure request, we may be legally required to turn over your information.
Information Confidentiality and Security
Nonpublic, personally identifiable information pertaining to applicants, policyholders, employees of commercial policyholders, beneficiaries and claimants is obtained from and displayed to our authorized users via secure communications through ARA’s secure areas. Authorized users are only permitted access to nonpublic, personally identifiable information that pertains to their applicable account(s).
To ensure secure communications over the Internet for all nonpublic, personally identifiable information, ARA uses Secure Socket Layer (SSL) encryption technology to protect transmitted information from being intercepted while it is in transit over the internet. Once confidential information is gathered and stored within ARA’s systems, it is protected by firewalls and other access control systems and processes to keep it secure from unauthorized access. ARA uses reasonable technical and administrative safeguards to protect nonpublic, personally identifiable information during transmission and within our organization. However, no transmission of information over the Internet or method of electronic storage can be guaranteed to be 100% secure.
Cookies and Other Technologies
Cookies are small text files that a website loads onto a visitor’s hard drive or in temporary memory that enable the website to recognize the visitor’s browser, and capture common technical information, so the website can give the visitor additional functionality. Cookies are used for such functions as maintaining information between pages on the site, to securely maintain a session in password protected areas and for website analysis to improve the visitor’s experience. For this analysis, we may utilize the following services:
ARA may use a tool called Google Analytics to collect non-personally identifiable information about how visitors interact with the website. Google Analytics employs cookies to collect statistical data, such as standard Internet log information (e.g. IP address) and visitors’ browsing actions and patterns. The anonymous information is used to compile reports for system administration to improve the website functionality.
Google Analytics uses only first-party cookies which means it will only use cookie data related to your browsing behavior on a specific website for statistical analysis. Google Analytics reports website trends without identifying individual visitors. ARA does not combine the information collected through the use of Google Analytics with non-public, personally identifiable information.
ARA may use additional technologies which are similar to cookies, such as pixel tags, on this site and may permit our third-party service providers to use these technologies. A pixel tag, also known as a web beacon, clear GIF or pixel, is an invisible tag on a web page which generates a notice when you visit the page. Pixel tags usually work in conjunction with cookies, registering when a particular computer or device visits a specific page. If you turn off cookies, the pixel tag will only detect an anonymous website visit. These technologies, along with cookies, help ARA to improve our website functionality by tracking website usage.
This site may also use Local Shared Objects (sometimes called “Flash cookies”) which are data files that are created and stored outside of your browser on your computer or device. Adobe Flash Player allows Flash content embedded in web pages to create and read locally shared objects. Local Shared Objects are used to enhance your web- browsing experience. Local Shared Objects, by themselves, cannot access the data on your computer. Local Shared Objects will not be deleted when you clear cookies from your browser. Adobe Flash Player can help you manage or disable Local Shared Objects the same way you manage cookies in your browser.
ARA may use the geolocation feature of your mobile device to tailor our mobile site functionality to your location. You can prevent the usage of your geolocation by managing your geolocation settings and permissions in your device settings.
Third-Party Behavioral Tracking
We do not give permission to third parties engaging in online behavioral tracking to collect nonpublic, personally identifiable information about users’ online activities from this site.
Your Personal Information
We make every effort to keep our records accurate. We will make appropriate changes when you notify us. If you want to view, update or delete the information we have about you in our database, follow the instructions in the notices below on how to contact us to request your personal information. We will follow procedures to verify your identity before providing this information to further protect your privacy.
Privacy Notice Changes
Your continued use of this site after enhancements are made will be considered acceptance of those changes. We may terminate or suspend any function of this site. We may also impose limits on some functions or restrict access to any part of the site without notice or liability.
How to Contact Us
If you have questions or concerns regarding this privacy notice, please contact us at 984.212.8000 or by sending an email to firstname.lastname@example.org.