Privacy Policy

Marshall & Sterling Privacy Policy

 

Marshall & Sterling believe you have the right to know the privacy policies of the websites you visit. We are committed to data security, and to protecting your personally identifiable information. This statement discloses the privacy practices for our website.

PURPOSE OF THIS NOTICE

Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic information about you with a non-affiliated third party unless the institution provides you with a notice of its privacy policy and practices, such as the type of information that it collects about you and the categories of personal information or entities to whom it may be disclosed. In compliance with the GLBA, Marshall & Sterling is providing you with this document, which notifies you of the privacy policies and practices of our agency.

OUR PRIVACY POLICIES AND PRACTICES

Information we collect – We may collect nonpublic personal information, about you from the following sources:

  • Information we receive from you on applications or other forms;
  • Information about your transactions with us, our affiliates or others;
  • Information we receive from a consumer-reporting agency;

Cookies and their use on this website - A cookie is a message given to a web browser by a web server. The message is then sent back to the server each time the browser requests a page from that server. Cookie files define you as a user, not as an identifiable person. We use cookies to better customize our website and our services to your interests and needs. We do not use cookies to retrieve information from your computer that was not willingly provided by you

Information we may disclose to third parties – In our normal course of business in quoting and contracting for insurance coverage for you we may disclose the following kinds of nonpublic personal information about you:

  • Information we receive from you on applications or other forms, such as your name, address, Social Security number, assets, income and beneficiaries;
  • Information about your transactions with us, our affiliates or others, such as your policy coverage, premiums and payment history; and
  • Information we receive from a consumer reporting agency, such as your creditworthiness and credit history. 

Third parties to whom we may disclose information – We may disclose nonpublic personal information about you to the following types of third parties:

  • Financial service providers, such as life insurers, automobile and home insurers, commercial insurers, mortgage bankers, securities broker-dealers and insurance agencies;

Service providers and joint insurance marketers – We may disclose all of the information we collect, as described above under the caption “Information we collect,” to insurance companies that perform marketing services on our behalf, or to other financial institutions with whom we have joint insurance marketing agreements. 

Your right to opt-out of third party disclosures – If you prefer that we not disclose nonpublic information about you to nonaffiliated third parties, you may opt out of those disclosures, and direct us not to make those disclosures  (other than disclosures permitted by law).  If you wish to opt out of disclosures to nonaffiliated third parties, you may contact us during normal business hours.  Our contact information is on our website in the Contact Us section.

Our practices regarding information confidentiality and security – At all times,  we use our best and diligent efforts to restrict access to nonpublic personal information about you to those employees or third parties who need to know that information in order to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with applicable federal and state laws and regulations to guard your nonpublic personal information.

Links and Co-Branded Sites - This Web site contains links to other sites. Marshall & Sterling provides links to other sites as a convenience to persons who visit our web site. If you choose to use the services provided by those sites, you may be asked by those sites to provide certain personally identifiable information (some of which may, on an individual or aggregated basis, be shared with Marshall & Sterling). Please be aware that Marshall & Sterling is not responsible for the privacy practices of those sites, even though Marshall & Sterling’s name or logo may appear on those sites. We encourage you to be aware when you leave our site and to read the Privacy Statements of each and every Web site that you visit, as the privacy policy of those sites may differ from ours. 

Our policy regarding dispute resolution – Any controversy or claim arising out of or relating to our privacy policy, or the breach thereof, shall be settled by arbitration in accordance with the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

Reservation of the right to change our privacy policy - We reserve the right to amend or replace this policy without notice.  By visiting our website, you agree to accept all terms and conditions outlined in this Privacy Policy. 

Marshall & Sterling Insurance
110 Main Street Poughkeepsie, NY 12601
Tel: 845-454-0800  |  Fax: 845-454-0880

California Consumer Privacy Act Disclosures

Updated: January 1, 2021

This California Consumer Privacy Act disclosure page supplements the Marshall & Sterling Privacy Page, and is effective as of January 1, 2021. Marshall & Sterling believes you have the right to know the privacy policies of the websites you visit. We are committed to data security, and to protecting your personally identifiable information. This statement discloses the privacy practices for our website. These additional disclosures are required by the California Consumer Privacy Act:

1. Categories of personal information collected. The personal information that Marshall & Sterling collects falls into the following categories established by the California Consumer Privacy Act:

  • Identifiers such as your name, address, phone numbers, or IP address;
  • Personal information, such as a credit card number;
  • Your age and/or gender;
  • Information about your personal or corporate property, home, auto and other resources for which you seek insurance coverage;
  • Personal information as required to write your insurance policies with 3rd party insurance carriers and wholesalers.

2. Categories of personal information disclosed for the purpose of writing your insurance. The personal information that Marshall & Sterling discloses fall into the following categories established by the California Consumer Privacy Act:

  • Personal Information we receive from you on insurance applications or other forms;
  • Personal Information about your transactions with us, our affiliates or others;
  • Information we receive from a consumer-reporting agency;

3. Right to Request Access to or Deletion of Personal Information: You may have the right under the California Consumer Privacy Act to request information about the collection of your personal information by Marshall & Sterling, or access to or deletion of your personal information. If you wish to do any of these things, please click here.

4. No sale of personal information. Marshall & Sterling does not sell any personal information of users or consumers. Furthermore, Marshall & Sterling only uses the personal information noted in this statement in conjunction with providing insurance products and service as described in our Privacy Statement.

5. No Discrimination. Marshall & Sterling will not discriminate against any consumer for exercising their rights under the California Consumer Privacy Act.

Marshall & Sterling Insurance
110 Main Street Poughkeepsie, NY 12601
Tel: 845-454-0800  |  Fax: 845-454-0880