Privacy Policy And Legal Disclaimer


Privacy Policy Notice

At INSURANCE & BENEFITS GROUP, we are committed to protecting your privacy as a visitor to this Web site and as our customer. To our visitors and to our customers, we offer this pledge:

INSURANCE & BENEFITS GROUP is the owner of the information, which is collected on this Web site. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.

Information Collection

We will ask you to provide your personal information to us when you enroll for coverage and when you purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send e-mail to us from this Web site. When you enroll for an insurance policy at INSURANCE & BENEFITS GROUP, we will ask you to provide your name, home address, mailing address, telephone number and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy so they can establish you as a policyholder. We will maintain a record of your information at the offices of INSURANCE & BENEFITS GROUP so we can provide you with policyholder service. The employees of INSURANCE & BENEFITS GROUP are each required to sign and acknowledge a Confidentiality And Nondisclosure Agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer's personal information.

When you purchase an insurance policy from INSURANCE & BENEFITS GROUP, you will pay the premiums with your credit card or personal check. If you use your credit card to pay the premium, your credit card information is deleted from our records after your purchase has been authorized. A transaction number will be provided to you on your Binder Of Insurance. You may use this transaction number as a reference to the credit card purchase. We do not keep a record of your credit card information. If you pay the premium using your personal check, we will keep a copy of your check in your file.

When you send us e-mail from this Web site, you will provide us with certain personally identifiable information including your e-mail address.

Cookies

A cookie is a piece of data that is stored on a visitor's hard drive while they are visiting this Web site. We may utilize a short-lived form of cookie when you visit this site. At INSURANCE & BENEFITS GROUP, a cookie is only used to identify one unique visitor from another visitor during a particular session. A session is the period of active site-use while that unique visitor is linked to our server. We may use cookie technology during a session as a tool to carry forward your input information during the enrollment process. This enables the visitor to input their information once and have the information appear later during the enrollment process. No personally identifiable information is stored on the cookie. The cookie expires and is deleted from the visitor's computer as soon as they close their browser or if they are not actively browsing our Web site for more than 20 minutes. Should a previous visitor to our Web site return for a new session, they will be issued a new cookie and in no way will they be recognized as a visitor from a previous visit or session.

Third Party Links

This Web site may contain links to third party Web sites that are not controlled by INSURANCE & BENEFITS GROUP. These third party links are made available to you as a convenience and you agree to use these links at your own risk. Please be aware that INSURANCE & BENEFITS GROUP is not responsible for the content of third party Web sites linked to INSURANCE & BENEFITS GROUP nor are we responsible for the privacy policy or practices of third party Web sites linked to INSURANCE & BENEFITS GROUP. Our Privacy Policy only applies to information we collect from you while you are at and while you are actively in a session with INSURANCE & BENEFITS GROUP. If you should link to a third party Web site from INSURANCE & BENEFITS GROUP, we strongly encourage you to review and become familiar with that Web site's privacy policy.

Changes In Our Privacy Policy

We reserve the right to change this Privacy Policy without providing you with advance notice of our intent to make the changes.

If you have any questions about our privacy policy, please feel free to contact us at:
(800)254-0079 or (660)827-2224 Fax (660)827-1785
Email: agency@ibgagent.com



Compensation Disclosure

AssuredPartners agencies typically receive compensation paid as a percentage of the premiums due the applicable insurance companies. In other cases, and depending on various State laws and the capacity in which our agency is acting, our agencies may receive other forms of compensation, such as contingents, overrides, profit-sharing, premium finance fees, expense reimbursements, producer subsidies, award trips and the like. We also earn interest on premiums we hold until it is time to pay the applicable insurance companies.

Our overriding desire is to provide great customer service, having you, the customer, believe we have earned our compensation. We believe in full disclosure of our compensation. Accordingly, if you have any questions about the compensation we receive from your policies, please just ask your account representative, who will gladly provide you a summary of our compensation arising from your policy (some estimation may be necessary, for example where contingents are involved).

We thank you for the opportunity to serve and appreciate your interest.