Privacy Policy

Privacy Policy

Welcome to our website. We 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 

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 HRM Insurance Services, (317) 861-7524.
• 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 HRM Insurance Services, (317) 861-7524. 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.

Web Site Terms and Conditions of Use

1. Terms

By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, applicable laws and regulations and their compliance. If you disagree with any of the stated terms and conditions, you are prohibited from using or accessing this site. The materials contained in this site are secured by relevant copyright and trade mark law.

2. Use License

1. Permission is allowed to temporarily download one duplicate of the materials (data or programming) on HRM Insurance Services’s site for individual and non-business use only. This is the just a permit of license and not an exchange of title, and under this permit you may not:
   1. modify or copy the materials;
   2. use the materials for any commercial use , or for any public presentation (business or non-business);
   3. attempt to decompile or rebuild any product or material contained on HRM Insurance Services’s site;
   4. remove any copyright or other restrictive documentations from the materials; or
   5. transfer the materials to someone else or even “mirror” the materials on other server.
2. This permit might consequently be terminated if you disregard any of these confinements and may be ended by HRM Insurance Services whenever deemed. After permit termination or when your viewing permit is terminated, you must destroy any downloaded materials in your ownership whether in electronic or printed form.

3. Disclaimer

1. The materials on HRM Insurance Services’s site are given “as is”. HRM Insurance Services makes no guarantees, communicated or suggested, and thus renounces and nullifies every single other warranties, including without impediment, inferred guarantees or states of merchantability, fitness for a specific reason, or non-encroachment of licensed property or other infringement of rights. Further, HRM Insurance Services does not warrant or make any representations concerning the precision, likely results, or unwavering quality of the utilization of the materials on its Internet site or generally identifying with such materials or on any destinations connected to this website.

4. Constraints

In no occasion should HRM Insurance Services or its suppliers subject for any harms (counting, without constraint, harms for loss of information or benefit, or because of business interference,) emerging out of the utilization or powerlessness to utilize the materials on HRM Insurance Services’s Internet webpage, regardless of the possibility that HRM Insurance Services or a HRM Insurance Services approved agent has been told orally or in written of the likelihood of such harm. Since a few purviews don’t permit constraints on inferred guarantees, or impediments of obligation for weighty or coincidental harms, these confinements may not make a difference to you.

5. Amendments and Errata

The materials showing up on HRM Insurance Services’s site could incorporate typographical, or photographic mistakes. HRM Insurance Services does not warrant that any of the materials on its site are exact, finished, or current. HRM Insurance Services may roll out improvements to the materials contained on its site whenever without notification. HRM Insurance Services does not, then again, make any dedication to update the materials.

6. Links

HRM Insurance Services has not checked on the majority of the websites or links connected to its website and is not in charge of the substance of any such connected webpage. The incorporation of any connection does not infer support by HRM Insurance Services of the site. Utilization of any such connected site is at the user’s own risk.

7. Site Terms of Use Modifications

HRM Insurance Services may update these terms of utilization for its website whenever without notification. By utilizing this site you are consenting to be bound by the then current form of these Terms and Conditions of Use.

8. Governing Law

Any case identifying with HRM Insurance Services’s site should be administered by the laws of the country of United States HRM Insurance Services State without respect to its contention of law provisions.

General Terms and Conditions applicable to Use of a Web Site.

We are focused on leading our business as per these standards with a specific end goal to guarantee that the privacy of individual data is secure and maintained.