PRIVACY POLICY

 

Introduction

We at Distinguished Group and its affiliates (herein referred to as "Distinguished”), want you to understand how and why we collect, use and disclose personal information about you and your customer.

 

We believe in maintaining the privacy of nonpublic information we collect from customers and have created this Privacy Policy to demonstrate our commitment to the privacy of personal information. If you are a customer of Distinguished, you may have received, or may receive in the future, a privacy policy that describes the practices and procedures regarding compliance with state and federal privacy laws and/or regulations. All information we collect that is subject to the applicable privacy laws and regulations, will be handled according to our Privacy Policy.

 

This Policy supersedes any such privacy policy by providing you with information concerning our practices and procedures as they relate specifically to information we collect.

 

Distinguished does not require customers to provide personal information to visit our website. If you register and apply for our insurance products, personal information may be provided to us.

 

What type of information do we collect?

We collect information for the purposes of administering business and supplying the appropriate insurance product you have requested in an application. This information could vary based on the insurance product you purchase from Distinguished. The following list some of the information (public information and nonpublic information) we collect:

  • First and Last Name
  • Email Address
  • Physical Address
  • Financial Information
  • Particulars of the operations and/or premises for which insurance is sought.
  • Prior loss information related to the premises for which insurance is being sought.
  • Consumer’s ownership and management history.

 

This information is not used to create a profile about you or your activities.

 

Where do we get this information from?

We may receive personal information from you pertaining to you or your customer when:

  • you communicate with our Sales Executive team;
  • you apply for our insurance products;
  • you register to conduct business with us through our online service; and
  • you pay for your insurance product.

 

How do we protect the information provided to us?

For the security of you and your customers, orders on our site are encrypted with SSL Technology assuring visitors that they have reached our authentic site, thereby allowing communications to be encrypted. In order for SSL to work, though, you must have a browser that supports SSL technology. Please note that email may not be encrypted and cannot be considered a secure means of transmitting sensitive information. Distinguished advises that you and your customer should not submit credit card or other information you wish to protect via email.

 

We seek to restrict access to personal information collected to our employees, our affiliates' employees, or others who need to know that information to carry out our normal business operations. We maintain appropriate physical, electronic, and procedural safeguards that we believe are appropriate to protect personal information. Despite such safeguards, we believe that any such systems are prone to human and operational error. In particular (but without limitation), the Internet is an open system and we cannot and do not guarantee that personal information entered by you will not be misappropriated, intercepted, modified, deleted, destroyed or used by others. You agree not to hold Distinguished liable for any loss or damage of any sort incurred as a result of any such misappropriation, interception, modification, deletion, destruction, or use of information provided through this website.

 

We welcome suggestions to improve our systems or processes regarding confidentiality and security. Please contact us at info@distinguished.com.

 

Who might receive the information we collect?

The information we collect from you is provided to our insurance provider(s) for purposes of administering the insurance product you have requested in your application. The information may be disclosed in the event of a sale of all or substantially all of our assets or the merger of a company(ies) into another entity or any consolidation, share exchange, combination, reorganization, or like transaction in which we are not the survivor. The information we collect from you is not sold to any third parties.

 

If your information (public information and nonpublic information) is requested by the Department of Insurance, insurance regulatory authorities, law enforcement, or other judicial authorities to assist in a criminal proceeding, we will provide the information to them accordingly.

 

What can you do to preserve data security?

The following are some steps that can be taken to preserve the security of information:

  • Always keep your web browser update-to-date.
  • Purchase antivirus and security software to keep your computer safe.
  • Ensure you are alone when creating or changing your password for the online Broker Portal.
  • Change your password for the online service regularly and utilize a strong and unique password that consist of letters, numbers and symbols.
  • If you are logged onto to your account in the online service, do not leave your computer unattended.
  • If you access your account online utilizing Wi-Fi, ensure the wireless network is secure.
  • If you are accessing your account on a public Wi-Fi, utilize a VPN (virtual private network) to access your account.

 

Destruction of Records

If the information we collect is no longer needed for the purposes of administering business or supplying the appropriate insurance product you have requested in your application, we will take the appropriate steps to ensure personal information is properly destroyed, erased, or made entirely unreadable.

 

Privacy of Individuals Under the Age of 13

Our products are not intended to be used by or in connection with children under the age of 13. Distinguished does not market any products or services to children under the age of 13 or knowingly collects personal information from children under the age of 13. If Distinguished obtains actual knowledge that it has obtained personal information from a child under the age of 13, that information will be immediately and permanently deleted from our records.

 

Links to External Sites

For your convenience, we may provide links to other websites and web pages that we do not control. We are not responsible for the privacy practices of any websites or pages not under our control, and we do not endorse any of these websites or pages, the services or products described or offered on such sites or pages, or any of the content contained on those sites or pages. We encourage visitors to our website to be aware of when they leave our website and to read the privacy statements of each and every website that may collect personal information. This Policy applies solely to the information collected by our website.

 

Use of Cookies

A cookie is a piece of information that a web server may place on your computer when you visit a website. Cookies are commonly used by websites to improve the user experience and have not been known to transmit computer viruses or otherwise harm your computer. Many cookies last only through a single website session or visit. Others may have an expiration date or may remain on your computer until you delete them.

 

We may use cookies for a number of purposes - for example, to maintain continuity during a user session, to gather data about the usage of our website for research and other purposes, to store your preferences for certain kinds of information and marketing offers, or to store a user name or encrypted identification number so that you do not have to provide this information every time you return to our website.

 

Our cookies will track only your activity relating to your online activity on this website and will not track your other Internet activity. Our cookies do not gather your personal identifiable information.

 

You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use certain areas of our online products and services or website features.

 

We may occasionally use other companies to set cookies on our website and gather cookie information for us. In some cases, we may also use another company to operate web servers for our website. We use the cookie information gathered by these companies in the same manner as stated above.

 

In addition to the information we collect from cookies, we also obtain information which you provide to us online - for example, when you use our tools and calculators or when you submit an application or otherwise communicate with us. In some cases, we retain both the cookie information and the information provided to us online - for example, to complete a transaction you requested or to keep historical records of your past transactions. In other cases - for example, when you use our tools and calculators - we only retain the cookie and/or online information you give us if you request us to do so for your use in subsequent sessions.

 

Notification of Data Breach

We will take the appropriate steps in the event of a breach of security of our data is discovered, which includes an investigation into the security breach. We will promptly notify you of the breach through electronic notification or mail. An email will be sent out to the producing broker, where applicable, containing the date and time of the breach.

 

Modifications to Our Privacy Policy

We may change this Privacy Policy from time to time. If we materially change any portion of this Policy, we will notify you in an appropriate manner. This notification may include an email or providing our most recent Policy attached to our applications. The most recent version of the Privacy Policy will be reflected in the “Effective Date” located at the bottom of this Policy.

 

This Privacy Policy is not intended to and does not create any contractual or other legal right in or on behalf of any party.

 

California Residents

The information we collect from you, for the purposes of administering business or supplying the appropriate insurance product, may be information of other persons other than the individual(s) applying for our insurance product.

 

Under the California Consumer Privacy Act, California residents have the right to the following:

  • The right to request the categories and specific pieces of personal information that we have collected.
  • The right to request that we delete any personal information about you that we have collected.
  • The right to request that we cease sharing any personal information about you that we have collected.
  • The right to request what parties receive the personal information that we have collected.
  • The right to request where the personal information is collected from.

 

Kindly submit a written request to the address shown in the Contact Information below. You may also contact the following tool-free telephone number: (888) 355-4626.

 

Nevada Residents

Nevada residents may request to be placed on our internal “Do Not Call” list. To be placed on our internal Do Not Call list, kindly submit a written request to the address shown in the Contact Information below. Provide us with the name, address, and the telephone number that will be inserted on the list.

 

For additional information with respect to this Nevada Law, please contact the Nevada Attorney General:

Office of the Nevada Attorney General

555 E. Washington Avenue, Suite 3900

Las Vegas, NV 89101

 

Additional Important Information

You are allowed to access and request changes to the personal information that we collect about you. In your request, please identify your name, address and telephone number. By law, you are allowed to request that we correct the information you feel is incomplete or inaccurate.

 

Kindly submit a written request to the address shown in the Contact Information below.

 

Contact Information

If you have any questions or concerns with respect to this Privacy Policy or would like to request more information, you may contact us by sending a written request to the address listed below. We may not be able to provide information relating to investigations or litigation. We will respond to your request within a reasonable timeframe.

Please send requests to: 

Distinguished Programs

Consumer Privacy Inquiry

1180 Avenue of the Americas, 16th FL

New York, NY 10036

 

You may also contact us at Compliance@Distinguished.com.

 

We may share your written request or email message with others within our organization, such as our personnel who are most capable of addressing the issues contained therein. We may retain copies of your written request or email message and may archive your written request or email message for a certain period of time or discard it.

 

 

Affiliates to which this policy applies to:

Distinguished Programs Insurance Brokerage LLC, Distinguished Specialty Insurance Brokerage LLC, BikeLane Insurance Services LLC, Worldwide Hole ‘N One Ltd. t/a Worldwide Special Risks, and Distinguished Prize Indemnity LLC d/b/a American Hole ‘N One.

 

 

Effective Date: May 16, 2019

DPPP Ed. 05.19

 

The information on this and any other page of our website is provided subject to the Distinguished Terms Of Use. Copyright© 2019