Privacy Policy

Tower Insurance Services, Inc. Corporate Privacy Policy

Due to the nature of the business, Tower Insurance Services, Inc. may deal in privileged customer information, including personal health information. When customers establish a relationship with us, we collect their personal private information to administer their account. It is our policy to protect private information, to comply with privacy laws, and to provide the best services possible to our customers while maintaining the integrity of our businesses.

Disclosure of Information

Disclosure of private information will be as necessary to effect, administer, or enforce a transaction or service requested or authorized by the consumer, or in connection with servicing or processing a product or service requested or authorized by the consumer. The disclosure is required or is a usual, appropriate or acceptable method to carry out the transaction or service business, such as for insurance underwriting at the consumer’s request or for reinsurance purposes, or for any of the following purposes as they relate to a consumer’s insurance: Account administration, reporting, investigating, or preventing fraud or material misrepresentation, processing premium payments, processing insurance claims, administering insurance benefits, participation in research projects, or as otherwise required or specifically permitted by Federal or State law.

To continue to offer products and services to our customers we may share information that is not protected health information with affiliated companies of Tower Insurance Services, Inc. or to credit reporting or collections to the extent allowed under the law. We will honor a customer’s request not to receive marketing materials.

Disclosing Information to Other Outside Companies – Periodically, we will need to share our customer’s private information with outside companies; for example, companies that we hire to maintain our computer systems.

We will communicate our privacy commitment to these companies and ask that these companies agree to safeguard customer information, use the information only for its intended purpose, and not distribute it to other companies unless it is necessary to complete the customer’s transaction.

Providing Privacy Information to Customers and Responding to Inquiries

Customers have the right to receive, and we have a responsibility to inform customers of, our privacy policies and practices. At a minimum, this policy will be available at our office, will be sent to all new customers and available at request.

Protecting Private Information

We will diligently protect our customer’s private information by establishing operational safeguards that will create standards and procedures for the security of computer systems that house private information to help prevent unauthorized access. For example, any web site where a SSN is posted, will be password protected and encrypted. We will allow access to our customer’s private information by only those employees who have a business reason to access such information and will establish operational procedures to safeguard private information from being released accidentally or released to individuals that fraudulently attempt to obtain the information. Also, we will train and educate all employees on the importance of confidentiality and protecting customer privacy. We will take appropriate disciplinary measures to enforce employee privacy responsibilities.

Complaint Procedure

It is the policy of Tower Insurance Services, Inc. that all complaints related to the protection of health information be investigated and resolved in a timely fashion. All complaints should be addressed to Tower Insurance Services, Inc. Privacy Officer, who is duly authorized to investigate complaints and implement resolutions if the complaint stems from a valid area of non-compliance with the HIPAA Privacy and Security Rule.

Information Collection And Use

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:

  • Email address
  • First name and last name
  • Phone number
  • Address, State, Province, ZIP/Postal code, City
  • Cookies and Usage Data

Usage Data

We may also collect information how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Tracking & Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information.

Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Examples of Cookies we use:

  • Session Cookies. We use Session Cookies to operate our Service.
  • Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
  • Security Cookies. We use Security Cookies for security purposes.

Use of Data

Tower Insurance Services, Inc. uses the collected data for various purposes:

  • To provide and maintain the Service
  • To notify you about changes to our Service
  • To allow you to participate in interactive features of our Service when you choose to do so
  • To provide customer care and support
  • To provide analysis or valuable information so that we can improve the Service
  • To monitor the usage of the Service
  • To detect, prevent and address technical issues

Disclosure Of Data

Legal Requirements

Analytics

We may use third-party Service Providers to monitor and analyze the use of our Service.

Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en

Links To Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children’s Privacy

Our Service does not address anyone under the age of 18 (“Children”).

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

Changes To This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the “effective date” at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, please contact us:

By email: info@towerinsurance.com