Our privacy policy.

Important information for your use of our website.

Website Visitors

Like most website operators, Kapnick Insurance Group collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Kapnick Insurance Group’s purpose in collecting non-personally identifying information is to better understand how Kapnick Insurance Group’s visitors use its website. From time to time, Kapnick Insurance Group may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

Kapnick Insurance Group also collects potentially personally-identifying information like Internet Protocol (IP) addresses. Kapnick Insurance Group does not use such information to identify its visitors, however, and does not disclose such information, other than under the same circumstances that it uses and discloses personally-identifying information, as described below.

Gathering of Personally-Identifying Information

Certain visitors to Kapnick Insurance Group’s websites choose to interact with Kapnick Insurance Group in ways that require Kapnick Insurance Group to gather personally-identifying information. The amount and type of information that Kapnick Insurance Group gathers depends on the nature of the interaction. For example, we ask visitors who sign up for an account at this website to provide a username and email address. Those who engage in transactions with Kapnick Insurance Group are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, Kapnick Insurance Group collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor’s interaction with Kapnick Insurance Group Kapnick Insurance Group does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

Use of Personal Data

Kapnick Insurance Group may collect aggregated statistics about the behavior of visitors to its websites. For instance, Kapnick Insurance Group may monitor the most popular website account on this site. Kapnick Insurance Group may display this information publicly or provide it to others. Kapnick Insurance Group does not disclose personally-identifying information other than as described below.

Protection of Certain Personally-Identifying Information

Kapnick Insurance Group discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on Kapnick Insurance Group’s behalf or to provide services available at Kapnick Insurance Group’s websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using Kapnick Insurance Group’s websites, you consent to the transfer of such information to them. Kapnick Insurance Group will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, Kapnick Insurance Group discloses potentially personally-identifying and personally-identifying information only when required to do so by law, or when Kapnick Insurance Group believes in good faith that disclosure is reasonably necessary to protect the property or rights of Kapnick Insurance Group, third parties or the public at large. If you are a registered user of an Kapnick Insurance Group website and have supplied your email address, Kapnick Insurance Group may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what’s going on with Kapnick Insurance Group and our products. We expect to keep this type of email to a minimum. If you send us a request (for example via a support email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. Kapnick Insurance Group takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.

Cookies

A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. Kapnick Insurance Group uses cookies to help Kapnick Insurance Group identify and track visitors, their usage of Kapnick Insurance Group website, and their website access preferences. Kapnick Insurance Group visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Kapnick Insurance Group’s websites, with the drawback that certain features of Kapnick Insurance Group’s websites may not function properly without the aid of cookies.

Privacy Policy Changes

Although most changes are likely to be minor, Kapnick Insurance Group may change its Privacy Policy from time to time, and in Kapnick Insurance Group’s sole discretion. Kapnick Insurance Group encourages visitors to frequently check this page for any changes to its Privacy Policy.

This Privacy Policy is available under a Creative Commons Share-alike license.