Privacy Policy

Last Modified: December 6, 2023

Introduction

Sands Point Risk Agency, LLC (“Company”, “us” or “we”) respects your privacy and is committed to protecting it through our compliance with this privacy policy. This policy describes the types of information we may collect from you or that you may provide when you visit our website sandspointrisk.com and any mobile applications to which this policy is posted (each, discussed in this policy as the “Website”), when you create an account with us to use the Website, if such functionality is available, and our data collection and handling practices.

This privacy policy is part of the Terms of Use applicable to the use of our Website. Please review this policy together with the Terms of Use, to understand all of your rights and obligations, and how we operate our Website.

This privacy policy applies to information we collect:

On the Website;
In email, text, and other electronic messages between you and the Website;
Through mobile and desktop applications, if any, that you download from the Website, if this policy is posted to them;
When you interact with our advertising and applications on third-party websites and services, if such advertising or applications include links to this policy; and
Through any other means associated with or relating to the Website.

This policy does not apply to information collected by:

Us offline or through any other means, including on any other website operated by Company or any third party (including our affiliates and subsidiaries);
The insurance brokers or carriers with whom we do business; or
Any third party, including through any application or content (including advertising) that may link to or be accessible from or on the Website.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to the terms of this privacy policy.

This privacy policy may change from time to time. Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the privacy policy periodically for updates.

Children under the Age of Eighteen (18)

Our Website is not intended for children under eighteen (18) years of age. No one under age eighteen (18) may provide any personal information to us or on or through the Website.

We do not knowingly collect personal information from children under the age of eighteen (18). If you are under eighteen (18), do not use or provide any information on this Website or on or through any of its features or register on the Website (if such feature is available), make any contact with us through the Website (if such feature is available), use any of the interactive or public comment features of this Website (if such feature is available) or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use.

If we learn we have collected or received personal information from a child under eighteen (18) years of age, we will delete that information. If you believe we might have any information from or about a child under the age of eighteen (18), please contact us at [email protected].

Information We Collect About You and How We Collect It

We may collect several types of information from and about users of our Website (some of which is considered “personal information” pursuant to applicable law), including:

Identifiers, such as name, mailing address, e-mail address, telephone number, or any other information that the Website collects, which applicable law may consider personally identifiable, personal information, personal data, and other such designations;
Information about the device you use to access the Website;
Your IP address, Identifier for Advertisers, Android/Google Advertising ID, International Mobile Equipment Identity, or another unique identifier;
Your device characteristics and functionality (including information about your operating system, hardware, mobile network, browser, browser language, etc.);
Referring and exit web pages and URLs;
Your browsing history, including the areas within our Website that you visit and your activities there, including remembering you and your preferences;
Your device location or other geolocation information;
Certain other device data, including the time of day you visit our Website; and
Information about your internet connection and internet provider.

We collect this information:

Directly from you when you provide it to us, such as when filling in forms on the Website (including when you register for an account, subscribing to a service, or requesting something from us, or when you fill out surveys, if any such features are available to you).
Automatically as you navigate through the Website, including through the use of cookies, web beacons, and other tracking technologies (including information about your network or computing device) and analytics services;
From third parties, for example, our business partners, service providers, and the insurance brokers and carriers that we may work with;
Records and copies of your correspondence (including email addresses), if you contact us through the Website;
When you run searches on our Website; and
When you contact our customer service agents, if available.

Automatic Data Collection Technologies

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about you, your equipment, your technology providers, and your activities, including:

Details of your visits to our Website, including traffic data, browsing patterns, location data, logs, and other communication data and the resources that you access and use on the Website; and
Information about your device and about your internet connection and service provider, as set forth above.

The information we collect automatically may be statistical data and may also include personal information, or we may maintain it or associate it with personal information we collect in other ways or receive from third parties. This information enables us to:

Allow you to use and access the Website;
Prevent fraudulent activity and improve security functionality;
Assess the performance of the Website, including as part of our analytic practices or otherwise to improve the content or services offered through or in connection with the Website;
Offer you enhanced functionality when accessing the Website, including identifying you when you sign into our Website (if such feature is available), and keeping track of your specified preferences;
Deliver content relevant to your interests on our Website and third-party sites based on how you interact with our advertisements and/or content;
Estimate our audience size and usage patterns;
Speed up your searches; and
Analyze our services and perform market research.

When you visit or leave our Website by clicking a hyperlink or when you view a third-party site that includes our plugins or cookies (or similar technology), we may automatically receive the URL of the site from which you came or the one to which you are directed.

We may also receive location data passed to us from third-party services or GPS-enabled devices that you have set up, which we may use for fraud prevention and security purposes. We may also use this information to provide customized services, content, and other information that may be of interest to you. If you no longer wish for us, our affiliates, or our service providers to collect and use location information, you may disable the location features on your device. Consult your device manufacturer settings for instructions on how to do this. Please note that if you disable such features, your ability to access certain features, services, or content may be limited or disabled.

The technologies we use for this automatic data collection may include:

Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. Note that while you can set your browser to not allow cookies, we may not be able to honor that request, and may track your activity and collect information about you and your online activities even when the browser is set to “do not track”;
Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies and you may not be able to shut down our collection of and use of information through this technology;
Web Beacons, Pixels and Tags. Pages of our Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity);
Embedded Scripts. An embedded script is programming code that is designed to collect information about your interactions with the Website, such as information about the links you click on;
ETag, or entity tag. An ETag, or entity tag, is a feature of the cache in browsers. It is an opaque identifier assigned by a web server to a specific version of a resource found at a URL. It is one of several mechanisms that HTTP provides for web cache validation. These allow websites to be more efficient and not serve content again, when data is already cached and ready to view;
Fingerprinting. Fingerprinting refers to the collection and analysis of information from your device, such as your operating system, plug-ins, system fonts and other data, for purposes of identification;
Recognition Technologies. Recognition technologies refers to various technology features used by websites, including application of statistical probability to data sets, which attempt to recognize or make assumptions about users and devices (e.g., that a user of multiple devices is the same user); and
Log Files. These track actions occurring on our Website, and which help us collect your IP address, browser type, Internet service provider, the webpages from which you came or to which you go before and after visiting our Website, and the date and time of your visits.

Google Analytics

We use Google Analytics, a service provided by Google, Inc. (“Google”) for various purposes, including potentially to analyze traffic on our Website, to grow our business, to improve and develop our services, to monitor and analyze use of our services, to aid our technical administration, to increase the functionality and user-friendliness of our services, and to verify that users have the authorization needed for us to process their request. Google may collect your IP address, and other information (although typically not your name), and utilizes the data collected to track and examine the use of our Website, and to prepare reports for us based on your activities online, among other uses. As part of Google Analytics, Google tracks many variables, including what website you visited prior to coming to our Website, how long you stay on a particular page, and your geographic location. Please be aware that Google uses the data it collects from our Website for its own purposes, and we do not control or direct such usage. Please visit Google’s privacy policy to understand how Google uses the information it collects: https://policies.google.com/privacy?hl=en-US

You may be able to opt out of the use of Google Analytics by visiting https://tools.google.com/dlpage/gaoptout/.

Behavioral Advertising

We may use your personal information to provide you with targeted advertisements or marketing communications we believe may be of interest to you. For more information about how targeted advertising works, you can visit the Network Advertising Initiative’s (“NAI”) educational page at http://www.networkadvertising.org/understanding-online-advertising/how-does-it-work.

You can opt out of certain targeted advertising, and learn more about your options related to such advertising, by using the links below:

Google: You can customize your experience with advertisements through Google services by visiting https://support.google.com/ads/answer/2662856/control-the-ads-you-see-android?hl=en. You can opt out of having your website activity available to Google Analytics by visiting https://support.google.com/analytics/answer/181881?hl=en and installing the Google Analytics opt-out browser add-on available at https://chrome.google.com/webstore/detail/google-analytics-opt-out/fllaojicojecljbmefodhfapmkghcbnh?hl=en.

Do Not Track

Do Not Track (“DNT”) is a concept promoted by certain regulatory authorities and industry groups for development and implementation of a mechanism that would allow internet users to control the tracking of their online activities across websites. Currently, various browsers (including Internet Explorer, Firefox, and Safari) offer a DNT option that allows a user to set a preference in the browser to not have his/her activities on the internet tracked. You can usually access your browser’s DNT option in your browser’s preferences. When a user’s browser is set to DNT, some cookies and other tracking technologies may become inactive, depending on how the website visited responds to DNT browser settings. If that occurs, the website visited will not recognize you upon return to that website, save your passwords or user names, and some other features of a website may become unavailable or not function properly.

We use reasonable efforts to configure our Website to respond to DNT signals, using currently available technologies. However, please note that third-party automated data collection technologies (including those used in connection with our Website) may not honor DNT signals, and we have no control over those third parties or their data collection practices.

Third-Party Use of Cookies and Other Tracking Technologies

Some content or applications, including advertisements, on the Website may be served by third-parties, including insurance brokers or carriers, advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our Website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.

How We Use Your Information

We may use information that we collect about you or that you provide to us, including any personal information:

To present our Website and its contents to you;
To provide you with information or services that you request from us;
To fulfill any other purpose for which you provide it;
To provide you with notices about your account and/or the Website;
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection, if needed;
To notify you about changes to our Website or any services we offer or provide though it;
To allow you to participate in interactive features on our Website, if any;
To develop and improve our services;
For behavioral profiling and advertising;
For any other purpose as needed for our business;
In any other way we may describe when you provide the information;
For any other purpose with your consent;
To contact you about our own and third-parties’ products and services that we think may be of interest to you; and
To enable us to display advertisements to our advertisers’ target audiences.

Updating Personal Information

We prefer to keep your personal information accurate and up to date. If you would like to change your contact information, please contact us at [email protected]. We will make good faith efforts to make requested changes in our then active databases as soon as reasonably practicable (but we may retain prior information as business records).

Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this privacy policy:

To our affiliates;
To contractors, service providers, insurance brokers and carriers, and other third parties we use to support our business and assist us in providing services;
To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Company’s assets or stock, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Company about our Website users is among the assets transferred;
To third parties to market their products or services to you;
To fulfill the purpose for which you provide it;
For any other purpose disclosed by us when you provide the information; and
With your consent.

We may also disclose your personal information:

To comply with any court order, law, or legal process, including responding to any government or regulatory request;
To enforce or apply the Terms of Use, including this privacy policy, and any other agreements between us, including for billing and collection purposes; and
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Company, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Data Security

The transmission of information via the internet is not completely secure. Although we try to protect your personal information, we cannot guarantee the security of your personal information transmitted through or collected through the use of our Website. Any transmission of personal information is at your own risk.

We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users’ personal information, we will notify you by email to the email address specified in your account, if applicable. We may also post a notice on the Website home page. The date this privacy policy was last revised is identified at the top of this page. You are responsible for reviewing this privacy policy each time that you visit our Website, to check for any changes.

California Residents

California Civil Code Section § 1798.83, known as the “Shine The Light” law, permits users of our Website who are California residents to request and obtain from us a list of what personal information (if any) we disclosed to third parties for direct marketing purposes in the preceding year, and the names and addresses of those third parties. You may request this information from us no more than once a year, but such request will be handled by us free of charge to you. To make such a request, please send an email to [email protected].

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at:

Address:

Sands Point Risk Agency, LLC

4 Star Point

Suite 202

Stamford, Connecticut 06902

E-mail: [email protected]