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. Our purpose in collecting non-personally identifying information is to better understand how our Group’s visitors use our 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.

We may perform statistical analyses of user behavior. This allows us to measure consumer interest in the various areas of our Website for product development purposes. Any information we collect is used solely for internal purposes, to improve the content of the Website, to enhance users’ experiences when visiting our site, to customize the content and/or layout of our pages, and to provide the services required by an individual user. We do not use personal identifying information for any reason that is not disclosed either in this Statement or our Business Associate Agreement.

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 a 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.

At Kapnick Insurance we understand and respect the importance placed on privacy and security. We believe that a greater protection of personal privacy on the Website will not only protect consumers but also increase their confidence in participating in on-line activities. Our site may be linked to other sites that are not maintained by Kapnick Insurance. The inclusion of any link to such sites does not imply approval of or endorsement by Kapnick Insurance of the sites or their content, but are provided as a convenience for you.

Information We Obtain:
We may request that you voluntarily supply personal information for the purpose of correspondence, the quoting of insurance coverage, requested policy change information or other forms necessary to conduct the business of insurance. We will use this information to respond to your message/request, administer your account, and may add your address to our e-mail listing for future correspondence. We are dedicated to maintaining accurate customer records and will strive to correct any inaccurate information in a timely manner.

Third Party Disclosures:
We do not disclose any nonpublic personal information to non-affiliated third parties, except as permitted by law. The goal of this privacy policy is to promote and maintain a commitment to privacy in our use of customer information.

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.

Questions? Please contact us via email at info@kapnick.com or call (888) 263-4656.

Kapnick is compensated through commissions paid by insurance companies and/or fees paid by our clients. We also have “contingency” agreements with some property/casualty and employee benefit carriers. These agreements are based upon a number of factors including business volume, growth, retention, and underwriting results of the overall book of business and not tied to a specific account.

Kapnick suggests insurance carriers to our clients based on cost, coverage, service capability and financial security—not based on the existence of contingency agreements. It has always been our practice to put the best interest of our clients first.

Questions? Please contact us via email at info@kapnick.com or call (888) 263-4656.

Kapnick Insurance Group is committed to protecting our clients data, in keeping with that commitment, we have implemented a record retention focused on regulatory standards, legal standards, and business best practices. We retain documents and data for seven years.

In our experience, our retention period will meet the majority of your record retention requirements. Please compare our standards to your own internal document retention policies. If you find that you need certain documents supplied prior to the expiration of the holding period, please contact your client service team and they will supply you with your required documents.

For a printable version of our record retention policy, please click here.

Question? Please contact us via email at info@kapnick.com or call (888) 263-4656.