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PRIVACY POLICY

PRIVACY POLICY - NICK RICHARDS CONSULTING LLC

We take our visitor's privacy seriously. Please review our privacy policy below to see what information we collect and how we use it. 

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What information do we collect?
We collect information from you when you register on our site, place an order, subscribe to our newsletter, respond to a survey or fill out a form. When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address, mailing address or phone number. You may, however, visit our site anonymously.

 

What do we use your information for?
Any of the information we collect from you may be used in one of the following ways:

 

To process transactions

Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested.

 

To send periodic emails
The email address you provide for order processing, will only be used to send you information and updates pertaining to your order.

 

How do we protect your information?
We implement a variety of security measures to maintain the safety of your personal information when you place an order or access your personal information.

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Purposes for Collection of Personal Information

We collect and use your personal information to offer, provide, and maintain insurance products and related services to you. We may use your personal information for one or more of the following purposes:

  • To offer, provide, maintain and improve insurance products and related services, including claims-related services to you;

  • To authenticate and verify your identity, to maintain your preferences, and to communicate with you;

  • For safety and security purposes, including: prevention, detection and investigation of data security incidents or protection against malicious, deceptive, fraudulent or illegal activity; debugging and ensuring the integrity of our systems;

  • To provide appropriate or relevant products and services, conduct analytics, research, and development on our products and services;

  • Provide marketing communications to you;

  • To provide quality assurance; 

  • To provide a location-based product or service requested by you;

  • To apply relevant discounts; 

  • To create profiles based on personal information submitted by you and reflecting individual preferences; 

  • To comply with applicable laws and regulations or other governmental or judicial orders.

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Sharing your information

In accordance with CCPA and other applicable laws, we may disclose your personal information, for business purposes, to third-party service providers. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to keep that personal information confidential and not use it for any purpose, except in performing the contract, or as otherwise required or permitted by law. In addition to sharing your personal information with third-party service providers, we may share your information as permitted by applicable federal law as described in our customer privacy notices.

We may share your personal information as required or permitted by law including with:

  • Companies involved in insurance and other related transactions

  • Agents and brokers

  • Service providers which may include, but are not limited to:

    • Internet service providers

    • Data analytics providers

    • Companies that provide marketing, advertising, and related services

    • Legal, tax, accounting, and other similar support function providers

    • Payment processors

  • Government entities, including law enforcement and regulators

  • Consumer reporting agencies

  • Insurance support organizations

  • Commercial Banks in order to get financing

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Do we disclose any information to outside parties?
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

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Third party links
Occasionally, at our discretion, we may include or offer third party products or services on our website or one of our blogs. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

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Hyperlinks/Third-Party Sites and Services

We have agreements with third parties that allow you to go to their websites, or mobile applications, from our websites and/or mobile applications. If you go to these sites from our site, you may be asked to give non-public personal information for access to their services or products. You may become a part of that business’ customer base and be subject to its policies regarding the handling of customer information.

Please be aware that we are not responsible for the privacy practices of those sites or applications, even though our name or logo may appear on those sites and applications. We encourage you to be aware of this when you leave our site and to read the privacy statements of each and every website and mobile application that you visit, as the privacy policy of those sites may differ from ours. Our privacy statement applies solely to our websites and applications. 

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California Online Privacy Protection Act Compliance
Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.

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Childrens Online Privacy Protection Act Compliance
We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 18 years old or older. We make no active effort to collect personal information from children under the age of 13, and do not wish to receive any such information. If we learn that we have collected the personal information of a child under the age of 13, we will take steps to delete the information as soon as possible.

 

Your Consent
By using our site, you consent to our privacy policy.

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Changes to our Privacy Policy
If we decide to change our privacy policy, we will post those changes on this page.​

QUESTIONS AND COMMENTS

If you have any questions or comments regarding our privacy policy, please contact us using the form below:

Thanks for submitting!

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