This Privacy Policy outlines how TBF Insurance, along with its subsidiaries, utilizes your “Personal Information” (as defined below) during and after our direct business interactions with you. This Policy pertains to your Personal Information that we may periodically collect, utilize, and disclose while (1) conducting insurance brokerage or related financial services on your behalf and (2) providing access to our websites, including hubinternational.com. We take your privacy seriously and are dedicated to handling your Personal Information in accordance with applicable laws and this Policy. Please review this Policy thoroughly.
Policy Updates, Accessibility, and Regional Variances
Policy Updates: Our privacy practices may change over time, necessitating modifications to this Policy. The latest version of this Policy will be accessible on our websites at its usual location, along with the display of the Last Reviewed date. We encourage you to regularly check for updates and revisions to this Policy when you visit our websites.
By continuing to use our websites following any posted changes, you acknowledge acceptance of such modifications concerning your use of our websites.
Accessibility: If you have specific accessibility needs concerning this Policy’s content, we suggest reaching out to us at: admin@tbfcompanies.com
Notice to California Residents: If you are a California resident, you may have additional privacy rights. Due to California privacy laws’ intricate requirements, please refer to the TBF Insurance Privacy Notice for California Residents for further details on these supplementary rights.
Notice to Residents of Colorado, Connecticut, Utah, Virginia: Residents of Colorado, Connecticut, Utah, and Virginia may possess additional rights, including but not limited to the right to know, access, correct, transfer, restrict processing of, and delete certain Personal Information. More details on these rights are provided within this Privacy Policy.
Definition and Exclusions of Personal Information at TBF Insurance
Personal Information generally refers to data that directly or indirectly identifies you, such as your name, postal address, email address, and telephone number. Given our business nature as elaborated below under “Information Collection,” Personal Information may also encompass:
your name, Social Security Number, driver’s license, or other government-issued ID; financial details like assets, income, occupation, dependent information, and other pertinent financial data; information concerning previous claims; data obtained from reporting agencies and state and federal government entities, like state motor vehicle departments; information sourced from external parties, such as medical or health care providers and other third parties with whom you or we have a relationship; your account activity and premium payment history; credit card, bank account, or other account details as required to facilitate payment of insurance premiums or similar payments, often conducted through third-party systems like insurance carriers; and passive tracking information from our website or the Internet, including data acquired through internet cookies.
Personal Information excludes aggregated or anonymized information that does not identify or cannot reasonably be used to identify you.
Information Collection
We generally require Personal Information to conduct insurance brokerage or related financial services on your behalf. Typically, you provide this necessary information directly within insurance applications or during other communications. Alternatively, we may receive this and other Personal Information from third parties, including insurance carriers, industry service providers, and other parties with whom you have a relationship (e.g., your employer or financial or medical service providers). Over time, we may also generate this information based on your interactions with us, whether direct or indirect, such as through the use of cookies on our websites.
Please note that when you furnish information to us on a third-party site or platform, that information may be separately collected by the third party. We encourage you to review the privacy policies of such sites that may collect your Personal Information.
We generally collect the amount and types of Personal Information necessary to perform or support services on your behalf. This includes information required by insurance carriers or industry service providers to provide insurance coverage or related services. When you use our websites, we may gather information about your device, browser, and other web usage details using tracking tools detailed in this policy. This information may include Personal Information as defined above.
Cookies and Other Web Technologies:
Our websites may employ cookies and other technologies like web beacons. These tools assist us in better understanding user behavior, including for security and fraud prevention, learning about website areas visited, and facilitating and measuring advertisement effectiveness and web searches.
Communication Cookies: These cookies facilitate network traffic to and from our systems, aiding in error detection. Strictly Necessary Cookies: These cookies are essential to provide specific features or services that you have accessed or requested and cannot be provided without their use. Other Cookies: These cookies help us understand how visitors engage with our websites and online services, including assisting in assessing web search effectiveness and providing a more personalized experience. If you prefer certain cookies not be utilized, we provide options to disable their use where feasible. However, disabling certain cookies, particularly strictly necessary ones, may affect the availability of certain website features. We generally treat data collected using cookies and similar technologies as nonpersonal data.
Disclosure of Personal Information
We typically disclose your Personal Information to conduct services on your behalf and provide the insurance products and services you anticipate from us. Additionally, to operate our business and deliver requested services, information technology and other support service providers with whom we have arrangements may access your Personal Information. We do not sell your Personal Information to third parties, except in connection with mergers, sales, or other organizational asset transfers where Personal Information about our clients held by us is transferred.
We may occasionally disclose your Personal Information for the following purposes:
to fulfill or address the reason for providing the information, and for our regular business operations, such as obtaining insurance quotations or related financial services on your behalf; securing insurance or similar products on your behalf or facilitating related services by other industry service providers; managing or servicing your account or insurance, including reporting loss claims to other industry service providers like insurance carriers and adjusters; assessing our performance or offerings; and generating reports for credit bureaus. Additionally, we may retain your information to facilitate new quotations or placements. for legal reasons, such as making mandated or advisable reports to insurance regulatory bodies, law enforcement, or similar authorities; adhering to and complying with court orders, applicable laws, and other legal obligations; and defending against claims and enforcing our rights or protecting our employees or assets. for our marketing endeavors to offer you our products and services, including through targeted or similar advertising online. for joint marketing efforts, allowing us and any third-party product or service provider to jointly present you with products and services. However, we will only disclose your decision to opt-in for text message (SMS) marketing with affiliates or other third parties if we obtain your consent, or if legally required to do so. for everyday business purposes of our affiliates, like processing or servicing transactions or providing or receiving shared organizational services. Our affiliates will not rent or redistribute your Personal Information without your consent, except as legally mandated. for marketing purposes of our affiliates, enabling them to offer you their products and services. for other purposes permitted by law. To Limit Information Disclosure
To restrict the disclosure of your Personal Information with affiliates or non-affiliates for marketing purposes (and for any other purpose for which applicable law grants you the right to require us to limit sharing your Personal Information), you may at any time submit a request to us by:
Emailing us at: admin@tbfcompanies.com Visiting the TBF Consumer Sharing Opt-Out Portal California Residents: You may have additional rights concerning Personal Information disclosure or sharing under California privacy laws. Refer to the TBF Insurance Privacy Notice for California Residents for further details.
Other Important Website Information
Our websites contain links to third-party sites. Clicking on such links redirects you to websites we do not manage. This policy does not cover the information practices of those sites. Please carefully review the privacy policy of those third-party websites, as we are not responsible for them. Links to external sites do not imply our endorsement of the linked site or its content.
Our websites are not designed for individuals under 13 years of age. If you are under 13, do not provide any information through our websites or otherwise disclose any information about yourself to us. If we become aware of collecting or receiving Personal Information from a child under 13 without parental consent, we will endeavor to delete that information. To notify us of any such occurrence, please contact us using the mailing address provided below the “Your Right to Review Your Information” heading.
Information Security Practices
We maintain technical and organizational security measures to safeguard your Personal Information against loss, misuse, unauthorized access, disclosure, or alteration. TBF Insurance and its affiliates follow procedures outlined in our Code of Business Conduct and Ethics’ Systems Information and Standards to secure your Personal Information appropriately regarding storage and usage. However, while we take security measures seriously, the security of information cannot be guaranteed. If you suspect that your Personal Information maintained by us is no longer secure, please notify us immediately using the contact information provided below. In the event of a breach affecting your Personal Information, we intend to notify you to the extent required by applicable law.
Your Right to Review Your Information
You may have the right to access your Personal Information we can reasonably locate and retrieve, and request corrections, amendments, or deletions of any inaccurate information. To make such requests or ask questions about this Policy, you can reach us at:
Chief Legal Officer TBF Insurance [Address] [City, State, Zip]
Or:
Call us at 954-510-5555
Email us at:
admin@tbfcompanies.com Visit the TBF Consumer Sharing Opt-Out Portal Please include your name, address, telephone number, and email address in all correspondence with us, including emails. This assists us in processing your request correctly and verifying your identity to safeguard your information.
As mentioned earlier, California Residents may have additional rights regarding Personal Information disclosure or sharing under California privacy laws. For further information, refer to the TBF Insurance Privacy Notice for California Residents.
