800.234.9037info@protek-insurance.com

Legal

Terms and Conditions Privacy Policy

Terms and Conditions of Use

NFP Corp. ("NFP") owns and operates the Internet website located at www.NFP.com (the "Website"). As used herein, the terms "you," "your" and "yours" refer to the user or registered user using this Website. The terms "NFP," "we," "us" and "our" refer to NFP Corp. and its related or affiliated companies.

Your continued access and use of the Website are conditional on your acceptance of and continued compliance with the terms and conditions of use set out below (the "Terms and Conditions"). These Terms and Conditions will govern your use of any new features that augment or enhance the current services (together the "Services"). In addition to these Terms and Conditions and any additional terms, the NFP privacy notice, found at www.nfp.com/privacy-policy will govern how personal information you submit on this Website will be used, and together they form the agreement between you and us (the "Agreement"). Nothing in this Agreement will be deemed to confer any third-party rights or benefits. THIS AGREEMENT CONTAINS DISCLAIMER AND OTHER PROVISIONS THAT LIMIT OUR LIABILITY TO YOU.

By accessing, browsing, using and/or downloading the pages in this Website, you agree to accept and comply with this Agreement for each use and visit to this Website. If you do not agree to accept and comply with this Agreement, you should not access, browse or otherwise use this Website.

NFP reserves the right, at any time, to modify, alter or update these Terms and Conditions, and you agree to be bound by such modifications, alterations or updates ("Modifications"). Such Modifications will be effective immediately upon notice to you, which may be given by any means, including but not limited to posting on this Website or by electronic or conventional mail. Your use of this Website following any such Modification constitutes your agreement to follow and be bound by these Terms and Conditions, as modified.

These Terms and Conditions apply to all users of the Website. As a user, you represent and warrant that you either have reached the age of majority in your jurisdiction of residence, or are an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations and warranties set forth in this Agreement, and to abide by and comply with these Terms and Conditions. In any case, you affirm that you are over the age of 13, as the Website is not intended for children under 13.

Usage

You may not use this Website for any false or fraudulent purpose. You are also forbidden from using this Website to post or transmit any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic or profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability or otherwise violate any law. You may not use any device, software, document, method or routine that interferes or attempts to interfere with the normal operation of this Website.

You may not use this Website for any commercial, financial or other similar purpose without the express prior written consent of NFP. NFP reserves the right, at any time and without advance notice or liability, to terminate your access to this Website or any component therein.

You are solely responsible for providing, maintaining and ensuring compatibility with this Website, all hardware, software, electrical and other physical requirements for your use of this Website, including, without limitation, telecommunications and Internet access connections, Web browsers or other equipment, programs and services required to access and use this Website.

You are prohibited from violating or attempting to violate any security features of this Website, including, without limitation, (a) accessing content of data not intended for you, or logging onto an area with someone else’s credentials, (b) attempting to probe, scan or test the vulnerability of the Website or any associated system or network, or to breach security or authentication measures without proper authorization, (c) interfering or attempting to interfere with the use of the Website as to any user, host or network, including, without limitation, by means of submitting a virus to the Website, overloading, "flooding," "spamming," "main bombing" or "crashing," (d) using the Website to send unsolicited email, including, without limitation, promotions or advertisements for products or services, (e)forging any TCP/IP packet header or any part of the header information in any email or in any posting using the Website and its functionality or (f) attempting to modify, reverse-engineer, decompile, disassemble or otherwise reduce or attempt to reduce to a human-perceivable form any of the source code used by us in providing the Website or service. Any violation of system or network security may subject you to civil and/or criminal liability.

Liability

The content of this Website is provided for informational purposes only, with the understanding that NFP is not rendering financial, legal, accounting or other professional advice on specific matters. We recommend that you consult your professional advisors with respect to your individual situation.

YOU ACKNOWLEDGE THAT YOUR USE OF THE WEBSITE IS AT YOUR SOLE RISK. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NFP, ANY OTHER PARTY (WHETHER OR NOT INVOLVED IN CREATING, PRODUCING, MAINTAINING OR DELIVERING THE SITE) AND THE OFFICERS, DIRECTORS, EMPLOYEES, SHAREHOLDERS AND AGENTS OF NFP EXCLUDE ALL LIABILITY AND RESPONSIBILITY FOR ANY AMOUNT OR KIND OF LOSS OR DAMAGE THAT MAY RESULT TO YOU OR A THIRD PARTY (INCLUDING, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, PUNITIVE OR CONSEQUENTIAL LOSS OR DAMAGE OR ANY LOSS OF INCOME, PROFITS, GOODWILL, DATA, CONTRACTS, USE OF MONEY, OR LOSS OR DAMAGE ARISING FROM OR CONNECTED IN ANY WAY TO BUSINESS INTERRUPTION AND WHETHER IN TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE, GROSS NEGLIGENCE OR OTHERWISE) IN CONNECTION WITH THE WEBSITE IN ANY WAY OR IN CONNECTION WITH THE USE, INABILITY TO USE OR THE RESULTS OF USE OF THE WEBSITE, UNAUTHORIZED ACCESS TO OR ALTERNATION OF YOUR SUBMISSIONS OR DATA, STATEMENTS OR CONDUCT OF ANY THIRD PERSON ON THE WEBSITE, ANY OTHER MATTER RELATED TO THIS WEBSITE AND ANY WEBSITES LINKED TO THE SITE, OR THE MATERIAL ON SUCH WEBSITES, INCLUDING BUT NOT LIMITED TO LOSS OR DAMAGE DUE TO VIRUSES THAT MAY AFFECT YOUR COMPUTER EQUIPMENT, SOFTWARE, DATA OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO, USE OF OR BROWSING THE WEBSITE OR YOUR DOWNLOADING OF ANY MATERIAL FROM THE WEBSITE OR ANY WEBSITE LINKED TO THE WEBSITE.

YOU AGREE THAT ALL CAUSES OF ACTION ARISING OUT OF OR CONNECTED WITH THIS WEBSITE SHALL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION, AND THAT YOUR SOLE REMEDY IS TO CEASE USE OF THE WEBSITE.

Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

While NFP endeavors to ensure that this Website is available at all times, NFP will not be liable if, for any reason, this Website is unavailable at any time or for any period.

Disclaimer

THIS WEBSITE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT, INCLUDING THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE, WHICH NFP EXPRESSLY DISCLAIMS TO THE MAXIMUM EXTENT PERMITTED BY LAW. YOU ASSUME THE RISK OF ANY AND ALL DAMAGE FROM USE OF, OR INABILITY TO USE, THE WEBSITE. NFP DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE.

Indemnity

You agree to indemnify, defend and hold harmless NFP, its affiliates, officers, directors, employees, consultants, agents and representatives from any and all third-party claims, losses, liability, damages and/or costs, including reasonable attorneys' fees and costs, arising from your access to or use of the Website, your violation of these terms and conditions, or your infringement, or infringement by any other user on your behalf, of any intellectual property or other right of any person or entity. NFP will notify you in writing of any such claim, loss, liability or demand.

Third-Party Content

Links to third-party websites are provided for your convenience and information only. The content in any linked websites is not under our control and we are not responsible for it.

We reserve the right to terminate a link to a third-party website at any time. The fact that we provide a link to a third-party website does not mean that we endorse, authorize or sponsor that website, nor that we are affiliated with the third-party website's owners or sponsors.

By using the Website, you expressly relieve NFP from any and all liability arising from your use of any third-party website. Accordingly, we encourage you to be aware when you leave the Website and to read the terms and conditions and privacy policy of each other website that you visit.

Intellectual Property Rights

All information, including, without limitation, all text, design, graphics, drawings, photographs, advertisements, video clips, music and sounds, and all trademarks, service marks and trade names, and the selection and arrangements thereof (collectively "Site Content") is, unless otherwise noted, subject to intellectual property rights, including copyrights and trademarks held by or licensed by NFP. Except as expressly provided in this Agreement, no license to use, copy, distribute, republish, transmit or otherwise exploit any Site Content is given to you, and all intellectual property rights in and to the Site Content are expressly reserved to NFP.

Notwithstanding the forgoing, you may print a copy of the information contained on the Website for your personal use; however, you may not reproduce or distribute the text or graphics contained in this Website to others or substantially copy the information to your own server, or link to this Website, without the prior written permission of NFP. You may request permission by contacting the Office of the General Counsel at 212-301-4000 or by fax to 212-301-4001.

Other parties' trademarks, copyrights and service marks that may be referred to are the property of their respective owners. Nothing on this Website should be construed as granting, by implication, waiver, estoppel or otherwise, any license or right to use any trademark without our written permission. Neither the name of NFP Corp. nor our logo may be used in any way, including in advertising or publicity pertaining to distribution of materials on this Website, without prior written permission. You are not authorized to use our logo as a hyperlink to this Website unless you obtain our written permission in advance.

No Provision of Investment Advice or Solicitation of Offers

Nothing on this Website constitutes investment advice. In addition, our Website content is not an offer to sell or a solicitation of any offer to buy any security or any insurance product. No security offered is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities law or other laws of such jurisdiction. No such security is offered or will be sold in any jurisdiction by an entity which is not properly licensed to do so in such jurisdiction.

Products/Quotations

Under no circumstances should you regard any information you may access in this Website as a recommendation, advice or complete description of any products, service or plan. An insurance quote may be subject to receipt of additional information or other conditions. Insurance coverage is provided by various insurance companies and is subject to the terms and conditions of the policies. Circumstances vary, and you must carefully review such insurance policies and consult with your insurance advisors.

Licensing

NFP’s subsidiaries are licensed as insurance brokers or agents in various states, Canada and the United Kingdom. This Website is not intended as a solicitation for insurance in any state or province where NFP or its subsidiaries are not licensed.

Accounts

For certain aspects of the Website, you may be asked to register an account. In the event you agree to register an account, you will select and/or receive a username and password upon providing registration information and successfully completing the registration process. This account is personal to you, and you will not share it or allow any other person to utilize your account. You may never use another’s account without permission. You are responsible for maintaining the confidentiality of your username and password and are fully responsible for all activities that occur under your username and password. You agree to immediately notify NFP in the event your registration information changes or you learn of or have reason to suspect any unauthorized use of your account or any other breach of security. You also agree that you will provide truthful and accurate information during the registration process. NFP may refuse to grant a particular username to you for any reason.

NFP reserves the right to deny or revoke access to this Website, or any part thereof, or to otherwise terminate a user's access to its Website, at any time in its sole discretion, with or without cause and without notice to you.

Tax Advice Disclosure

Any tax advice contained on our Websites, including any Websites owned, operated or sponsored by any of our subsidiaries, unless otherwise specifically stated, is not intended or written to be used and cannot be used for the purpose of (1) avoiding penalties under U.S. tax laws or (2) promoting, marketing or recommending to another party any matters addressed herein.

Dispute Resolution, Governing Law and Jurisdiction

Dispute Resolution Generally: BY USING THIS WEBSITE, YOU AGREE THAT TO THE EXTENT PERMITTED BY APPLICABLE LAW: (1) ANY AND ALL DISPUTES, CLAIMS AND CAUSES OF ACTION ARISING OUT OF OR CONNECTED WITH THE WEBSITE WILL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION; (2) ANY AND ALL CLAIMS, JUDGMENTS AND AWARDS WILL BE LIMITED TO ACTUAL THIRD-PARTY, OUT-OF-POCKET COSTS INCURRED (IF ANY), BUT IN NO EVENT WILL ATTORNEYS' FEES BE AWARDED OR RECOVERABLE; (3) UNDER NO CIRCUMSTANCES WILL YOU BE PERMITTED TO OBTAIN ANY AWARD FOR – AND YOU HEREBY KNOWINGLY AND EXPRESSLY WAIVE ALL RIGHTS TO SEEK – PUNITIVE, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES, LOST PROFITS AND/OR ANY OTHER DAMAGES, OTHER THAN ACTUAL OUT-OF-POCKET EXPENSES), AND/OR ANY RIGHTS TO HAVE DAMAGES MULTIPLIED OR OTHERWISE INCREASED; AND (4) YOUR REMEDIES ARE LIMITED TO A CLAIM-FOR-MONEY DAMAGES (IF ANY), AND YOU IRREVOCABLY WAIVE ANY RIGHT TO SEEK INJUNCTIVE OR EQUITABLE RELIEF. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY, SO THE ABOVE MAY NOT APPLY TO YOU.

Arbitration: Any controversy or claim arising out of your use of the Website and/or any purchase made through the Website shall be settled by binding arbitration in a location determined by the arbitrator as set forth herein (provided that such location is reasonably convenient for claimant), or at such other location as may be mutually agreed upon by the parties, in accordance with the procedural rules for commercial disputes set forth in the Comprehensive Arbitration Rules and Procedures of JAMS ("JAMS Rules and Procedures") then prevailing, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The arbitrator shall be selected pursuant to the JAMS Rules and Procedures. The arbitrator shall apply New York law consistent with the Federal Arbitration Act and applicable statutes of limitations, and shall honor claims of privilege recognized at law. In the event that the claimant is able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, NFP will pay as much of the claimant’s filing and hearing fees in connection with the arbitration as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. If any part of this arbitration provision is deemed to be invalid, unenforceable or illegal (other than that claims will not be arbitrated on a class or representative basis), or otherwise conflicts with the rules and procedures established by JAMS, then the balance of this arbitration provision shall remain in effect and shall be construed in accordance with its terms as if the invalid, unenforceable, illegal or conflicting provision were not contained herein. If, however, the portion that is deemed invalid, unenforceable or illegal is that claims will not be arbitrated on a class or representative basis, then the entirety of this arbitration provision shall be null and void, and neither claimant nor NFP shall be entitled to arbitrate their dispute. Upon filing a demand for arbitration, all parties to such arbitration shall have the right of discovery, which discovery shall be completed within 60 days after the demand for arbitration is made, unless further extended by mutual agreement of the parties. THE ARBITRATION OF DISPUTES PURSUANT TO THIS PARAGRAPH SHALL BE IN YOUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN THE CLAIMS OF OTHER PERSONS OR PARTIES WHO MAY BE SIMILARLY SITUATED. DO NOT DOWNLOAD AND/OR USE THIS APP IF YOU DO NOT AGREE TO HAVE ANY CLAIM OR CONTROVERSY ARBITRATED IN ACCORDANCE WITH THESE TERMS AND CONDITIONS.

Governing Law & Jurisdiction: ALL DISPUTES IN CONNECTION WITH WEBSITE AND USE OF THE WEBSITE, SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK, WITHOUT GIVING EFFECT TO THE CONFLICT OF LAWS RULES THEREOF, AND ANY MATTERS OR PROCEEDINGS WHICH ARE NOT SUBJECT TO ARBITRATION AS SET FORTH ABOVE SHALL TAKE PLACE IN THE STATE OF NEW YORK IN THE STATE OR FEDERAL COURTS IN NEW YORK COUNTY, NEW YORK AND YOU CONSENT TO THE EXCLUSIVE JURISDICTION OF SUCH COURTS.

Waiver

The delay or omission by either party to enforce or exercise any terms or right pursuant to this Agreement will not impair any such term or right nor be construed to be a waiver thereof, and will in no way affect the other party’s right later to enforce it. Any waiver by either party of any covenants, conditions or agreements to be performed by the other party will not be construed to be a waiver of any succeeding breach thereof or any covenant, conditions or agreement herein contained.

Severability

If any part of these Terms and Conditions is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity or enforceability of any remaining provisions. Any information related to your use of this Website for illegal purposes will be provided to law enforcement authorities. These Terms and Conditions constitute the entire agreement between the parties relating to the use of this Website and supersedes and replaces any prior agreement and communication between the parties relating thereto.

Website Privacy Policy

Last Updated: January 2020

NFP is committed to respecting the privacy rights of its customers, visitors and other users of its website. We created this Website Privacy Policy to demonstrate our commitment to fair information practices and the protection of privacy. Our information practices for this website are described below.

Scope

This Website Privacy Policy applies to the website located at www.nfp.com (the “Site”). It does not apply to any separate sites of our affiliated companies, subsites or third-party sites that might be linked to, or accessible from, the Site.

This Website Privacy Policy applies to information about you obtained through the Site by NFP. This Website Policy explains how we may collect, use, disclose, and protect your personal information; with whom we share your personal information; and the privacy options available to you regarding our use of your personal information; and how to contact us regarding our privacy practices for the Site.

By visiting or using the Site, you consent to our collection, use and disclosure practices and other activities as described in this Website Privacy Policy.

Special Notice for International Users

If you are visiting this Site from outside of the United States, please be aware that NFP is based in the United States, and the information we obtain through the Site will be transferred to, processed, and stored in our servers in the United States. The data protection laws and regulations applicable to your personal information transferred to the United States may be different from the laws in your country of residence.

Information We Collect

Information We Collect Directly

When you visit the Site, your browser automatically provides, and we may automatically collect, certain personal information about when you access or use the Site (“Usage Information”). Usage Information includes:

  • Preferences and settings: time zone, language and character size
  • Identifiers: computer IP address; unique mobile device identifier
  • Technical information: type of device, operating system or platform (Mac, Windows), browser information (type, version)
  • Connection: Internet provider or mobile carrier name, connection speed and connection type; Internet service provider (ISP)
  • URL of the last Web page visited before visiting our Site; exit page
  • Information about your use of the Site: data stamp, pages viewed, time spent on a page, click through, clickstream data, queries made, search results selected, history, comments made
  • Location: general geographic location

The methods that may be used on the Site to collect Usage Information include:

  • Log Information: Log information is data about your use of the Site, such as IP address, browser type, internet service provider, referring/exit pages, operating system, date/time stamps, and related data, and may be stored in log files
  • Information Collected by Cookies and Other Tracking Technologies: Cookies, web beacons (also known as “tracking pixels”), embedded scripts, location-identifying technologies, device recognition technologies, and other tracking technologies (“Tracking Technologies”) may be used to collect information about your interactions with the Site. Brief descriptions of common Tracking Technologies are provided below:
    • Cookies. A cookie is a small text file that is stored on a user’s device. Session cookies make it easier for you to navigate the Site and expire when you close your browser. Tracking cookies remain longer and help in understanding how you use the Site and enhance your user experience. Cookies may remain on your hard drive for an extended period of time. If you use your browser’s method of blocking or removing cookies, some but not all types of cookies may be deleted and/or blocked and as a result, some features and functionalities of the Site may not work. A Flash cookie (or locally shared object) is a data file which may be placed on a device via the Adobe Flash plug-in that may be built-in to or downloaded by you to your device. HTML5 cookies can be programmed through HTML5 local storage. Flash cookies and HTML5 cookies are locally stored on your device other than in the browser and browser settings won’t control them. To identify certain types of local shared objects on your device and adjust your settings, please. The Site may associate some or all of these types of cookies with your device(s).
    • Web Beacons. Web beacons are small graphic images, also known as “Internet tags” or “clear gifs,” embedded in web pages. Web beacons may be used, for example, to count the number of visitors to the Site, to monitor how users navigate the Site or how long they remain on the Site, and to count content views. Some technologies will notify you of the presence of Web beacons, but browsers typically do not notify you of them.
    • Embedded Scripts. An embedded script is programming code designed to collect information about your interactions with the Site. It is temporarily downloaded onto your computer from our web server, or from a third party with which we work, and is active only while you are connected to the Site and deleted or deactivated thereafter.
    • Location-identifying technologies. GPS (global positioning systems) software, geo-filtering and other location-aware technologies locate (sometimes precisely) you, or make assumptions about your location, for purposes such as verifying your location and delivering or restricting content based on your location. If you have enabled GPS or use other location-based features on the Site, your device location may be tracked.
    • Fingerprinting. Collection and analysis of information from your device, such as, without limitation, your operating system, plug-ins, system fonts and other data, for purposes of identification and/or tracking.
    • Device Recognition Technologies. Technologies, including application of statistical probability of data sets, as well as linking a common unique identifier to different device use (e.g., Facebook ID), which attempt to recognize or make assumptions about users and devices (e.g., that a user of multiple devices is the same user or household).
    • In-App Tracking Methods. There are a variety of Tracking Technologies that may be included in mobile applications, and these are not browser-based like cookies and cannot be controlled by browser settings. Some use device identifiers, or other identifiers such as “Ad IDs,” to associate app user activity to a particular app and to track user activity across apps and/or devices.

Some information about your use of the Site and certain third-party services may be collected using Tracking Technologies across time and services and used by us and third parties for purposes such as to associate different devices you use and deliver relevant ads and/or other content to you on the Site and certain other websites or online services.

Information You Provide to Us

In some circumstances, you may elect to provide us with certain personal information through the Site.

This is the case if you subscribe to a newsletter, register for an event, contact us through email, submit a job application through the Site, login to a portal or request a proposal. Personal information you may submit through the Site includes your name, email address, phone number, company affiliation, state, education, employment background or other contact or personal information that you choose to disclose.

Certain features available on the Site may require you to submit personal information in order for those features to function as designed. This is the case, for example, when setting passwords or submission of your resume if you are applying for a job through the Site. You may choose not to provide personal information in those cases, but this may prevent you from being able to use those features.

Information We Collect From Other Sources

We may also obtain information about you through external sources, such as public databases, service providers, joint marketing partners, social media platforms, from people with whom you are connected through social media platforms, and from third parties. We will treat such information in accordance with this Website Privacy Policy. We are not responsible or liable for the accuracy of the information provided by third parties or for third-party policies or practices.

Use and Disclosure of Personal Information

Except as otherwise stated in this Website Privacy Policy, we do not sell, trade, rent, or otherwise share for marketing purposes the personal information that we collect through the Site with third parties.

In general, we use or may use your information for the following purposes:

  • Provide services,
  • Review and evaluate your resume when you apply for a job through our Careers page and perform the activities related to the interview, selection and, as applicable, onboarding
  • Respond to your questions and other requests for information made through the Site
  • Send invitations to our conferences, webinars and other events that we think may be of interest to you
  • Send our newsletter or other communications that you have requested or that may be of interest to you, in accordance with your preferences
  • Process your registration and manage your account through an online portal
  • Allow you to send content to a friend through the Site
  • Tailor Site features to you and improve your Site experience, such as personalizing content to your preferences or interests or by expediting the processing and completion of a transaction
  • Facilitate your use of the Site
  • Serve you advertisements
  • Perform data analysis and audit
  • Enhance, improve or modify the Site, identify usage trends, determine the effectiveness of our promotional campaigns, diagnose technical problems, and operate and expand our business activities
  • Prevent and address fraud, breaches of policies or terms, and threats of harm
  • Perform other functions as otherwise described at the time of collection
  • Sharing and Disclosure of Information

    We may share your personal information with the following entities or in the following circumstances:

  • Service providers and business partners – We may share your personal information with our service providers, suppliers, subcontractors and similar third parties who provide services to us or act on our behalf so that they can assist us with the provision, upkeep and maintenance of the Site and other related activities, such as the organization of conferences and webinars, email delivery or auditing, or with the selection of applicants for job openings at NFP. Third-party service providers are not meant to use personal information except as necessary to provide the relevant service to us.
  • Analytics – We use automated tools and applications, such as Google Analytics, to evaluate use of the Site. These third-party services use cookies and other tracking technologies to perform their services.
  • Affiliates/Our companies– We may share your personal information with entities that are under common ownership or control of our parent company (“affiliates”) for the purposes described in this Website Privacy Policy under “Use and Disclosure of Personal Information.” Such applicable affiliates generally includes subsidiary companies of our parent company that are branded with the NFP logo and providing insurance brokerage and consulting services, which may be referenced throughout the Site. Subject to local requirements, this information may be used to provide legal and related services offered by our affiliates and for the purposes described in this Website Privacy Policy.
  • Sale, merger, and corporate reorganization – We may transfer your personal information to a third party in the event of a reorganization, sale, merger, joint venture, assignment, transfer or other disposition of all or any portion of our business, asset or stocks, including in the event of corporate restructuring of NFP or our affiliates.
  • There may be times when we share your personal information if we believe such disclosure is necessary, especially in the following cases:

    • Compliance with applicable laws – When we believe it is necessary or appropriate under applicable laws, including laws outside your country of residence, or to comply with legal process.
    • Fraud prevention and protection of legal rights – When we believe it is necessary to enforce our terms and conditions; to investigate, prevent or respond to suspected illegal or fraudulent activity; to protect the safety, rights or property of NFP, and those of our affiliates, users or others; or to exercise or protect legal rights or defend against legal claims; to allow us to pursue available remedies or limit the damages that we may sustain.
    • Government authorities – If law enforcement authorities, courts or regulators, or other public or government authorities with appropriate jurisdiction – including public or government authorities outside your country of residence – request that we provide user information, and such request is made using the method required by law in the applicable jurisdiction, such as a search warrant, subpoena or a court order, and we believe that such request is facially valid, we will provide any information we have about a user that responds to such request.

    We reserve the right to disclose any information about you that we obtain through the Site. You acknowledge that such transfers may occur and are permitted by and subject to this Website Privacy Policy.

    Analytics Statistical Information

    We aggregate information regarding what portions of the Site users are visiting to develop statistics about the use of the Site. This information helps us create a better experience for users of our Site. For example, we may upgrade those parts of the Site that are heavily visited or optimize the website to work more efficiently with certain operating systems.

    We may provide such aggregated, anonymized or statistical information to third parties, such as our advisers or consultants for research, analytical or strategic purposes. This information is not intended to allow the identification of any specific user of our Site.

    We may use analytics services, cookies and other Tracking Technologies to help us analyze Site users and how they use the Site. Information generated by these services (e.g., your IP address and other Usage Information) may be transmitted to and stored by service providers and these service providers may use this information for purposes such as evaluating your use of the Site, compiling statistics reports on the Site’s activity and providing other services relating to Site activity and other internet usage.

    Minors

    The Site is not intended for, nor targeted to, children under 13, and we do not knowingly collect any personal information from children under 13. If we become aware that an individual submitting information is under 13, we will delete the information in accordance with applicable law.

    Social Features and Advertising

    You may find additional information on the products and services we distribute through third-party services, such as our social media websites (“Social Features”), including but not limited to Facebook, LinkedIn, Instagram and Twitter. Certain functionalities on the Site permit interactions that you initiate between the Site and the Social Feature. Social Features enable you to send content between the Site and a third-party service. These websites have their own privacy policies and data handling practices, which are different from ours.

    Please take the time to review these policies before disclosing or posting information on or through these Social Features or any button that links to these Social Features. Please keep in mind that any information you share on Social Features, including on social media websites, interactive forums, message boards or chat rooms, may be publicly displayed by the third-party service you use. Also, both NFP and the third-party service providers may have access to certain information about you and your use of the Site and the third-party service. You should exercise caution when deciding to disclose or share your personal information.

    We may engage and work with service providers and other third parties to serve advertisements on third-party services. These ads may be tailored to your interest based on your use of the Site and elsewhere on the Internet, sometimes referred to as “interest-based advertising,” which may include sending you an ad on a third-party service after you have left the Site (i.e., “retargeting”).

    Information You Disclose Publicly or To Others

    This Site may permit you to post or submit User-Generated Content (“UGC”) including, without limitation, written content, files, user profiles, or other content, including personal information. If you choose to submit UGC to any public area on the Site, your UGC will be considered “public” and will be accessible by anyone. Notwithstanding anything to the contrary, unless otherwise explicitly agreed by us, personal information included in the UCG is not subject to usage and sharing limitations, or other obligations, under this Website Privacy Policy or otherwise, and may be used and shared with third parties to the fullest extent permitted by applicable law. We encourage you to exercise caution when making decisions about what you disclose in such public areas.

    Additionally, the Site may offer you the option to send a communication to a contact. If so, we rely on you to only send such communication to people that have given you permission to do so. The recipient’s personal information you provide (e.g., name, e-mail address) will be used to facilitate communication. Your contact information and message may be included in the communication.

    Links to Third-Party Websites

    The Site may contain links to other websites or services. NFP does not control the content or privacy policies of such third-party websites or services. Third-party sites may use their own Tracking Technologies to independently collect information about you or solicit personal information from you. NFP accepts no responsibility or liability for privacy or other issues related to the collection or use of your information by such other websites, services or third parties.

    We urge you to be aware when you leave our Site, and to read the privacy statements of each website on which you land after you click on a link or social networking button located on our Site.

    Links to third-party websites or services are provided for your convenience and information. The inclusion of a link to a third-party website or service does not imply endorsement of the third party’s data handling practices and does not imply that their practices are covered by this Website Privacy Policy.

    Security

    We take reasonable technical, organizational and administrative measures to protect personal information collected through this Site against unauthorized or unlawful processing and against accidental loss, destruction or damage. However, because transmission via the Internet and online digital storage is not completely secure, we cannot guarantee the security of any information we may have collected from or about you through the Site.

    When the circumstances require, we use encryption technology (data scrambling) and authentication tools to protect information that you may provide through the Site. In addition, our employees are instructed that such information is to be used only in accordance with this Website Privacy Policy, and other information security policies and procedures we may adopt from time to time, and the laws applicable to each specific business.

    We will not collect any information such as your Social Security number or a bank or credit card account number, through the Site. Third-parties are used to process any bank card or credit card transactions. If you need to send us confidential information and are concerned about the security of the Site, then you should consider sending it via another secure connection or method.

    If you believe that your interaction with the Site is no longer secure, please immediately notify us of the problem in accordance with the “How to Contact Us” section below.

    Users' Rights

    Choice Regarding Emails or Marketing

    If you no longer want to receive emails or marketing-related materials from us, you may opt out of receiving these materials by following the unsubscribe instructions in such messages or by contacting us as indicated in the “How to Contact Us” section below. We will comply with your request as soon as practicable. Please note that even if you opt out of receiving email alerts from us, we may continue to send you other email communications.

    Access

    Each user has the right to review, change or suppress personal information that can reasonably be linked to, and that we have collected from that user. You may exercise this right by contacting us as indicated in the “How to Contact Us” section. For your protection, we may need to verify your identity before implementing your request. We will try to implement your request as soon as reasonably practicable.

    However, please note that we reserve the right to refuse to act on a request that is manifestly unfounded or excessive (e.g., because it is repetitive) and/or to charge a fee that takes into account the administrative costs for providing the information or the communication or taking the action requested. If you have a question, comment or request, please contact us as explained in the “How to Contact Us” section below.

    Opt Out of Tracking Technologies

    Regular cookies generally may be disabled or removed using tools available as part of most commercial browsers, and in some instances blocked in the future by selecting certain settings. Browsers offer different functionalities and options so you may need to set them up separately. Most browsers contain information on how to control or delete cookies. These settings will typically be found in the “Options” or “Preferences” menu of a browser. You may wish to refer to http://www.allaboutcookies.org/manage-cookies/. Also, tools from commercial browsers may not be effective with regard to Flash cookies (also known as locally shared objects), HTML5 cookies or other Tracking Technologies. Please be aware that if you disable or remove these technologies, some parts of the Site may not work and that when you revisit the Site, your ability to limit browser-based Tracking Technologies is subject to your browser settings and limitations.

    Your browser settings may allow you to transmit a “Do Not Track” signal when you visit various websites. The “Do Not Track” feature of these browsers sends a signal that informs operators of services online that the user does not want certain information about their online activities to be collected over time and across websites or online services. The Internet industry has not yet agreed on a definition of what “Do Not Track” means, how compliance with “Do Not Track” would be measured or evaluated, or a common approach to responding to a “Do Not Track” signal. Consequently, due to the lack of guidance, like many websites, we have not yet developed features that would recognize or respond to browser-initiated “Do Not Track” signals.

    Opt Out of Analytics and Interest-Based Advertising

    You may exercise choices regarding the use of cookies from Google Analytics by visiting https://tools.google.com/dlpage/gaoptout or downloading the Google Analytics Opt-out Browser Add-on. You may exercise choices regarding the use of cookies from Adobe Analytics by visiting http://www.adobe.com/privacy/opt-out.html.

    Special Notice for California Users

    California law (referred to as the “Shine the Light” law) permits customers in California to request certain details about how their “personal information” (as defined by California Civil Code Section 1798.83/84) is shared with third parties for direct marketing purposes.

    We do not share personal information with third parties or affiliates for those third parties’ or affiliates’ own direct marketing purposes. Californians may request information about our compliance with this law and our personal information handling practices by contacting as set forth in the How to Contact Us section below.

    Your inquiry must specify “California Privacy Rights Request- California Civil Code 1798.83/84 Request” in the subject line of the email or the first line of the letter, and include your name, street address, city, state and ZIP code. Please note that we are only required to respond to one request per California resident per year.

    For users who are residents of California, please also refer to our notice of California Privacy Rights.

    Changes

    We may modify or supplement this Website Privacy Policy from time to time because we may change our offering and/or data handling practices, or because new laws have been enacted. If we make any material changes to this Website Privacy Policy, we will post the updated Website Privacy Policy here, along with its effective date, and notify users as required by applicable law. You should review this page regularly to look for changes in this Website Privacy Policy.

    Your continued use of this Site after we have posted changes to this Website Privacy Policy on this page with a new effective date will indicate that you agree to be bound by such changes. If any change to this Website Privacy Policy is unacceptable to you, please discontinue your use of the Site.

    How to Contact Us

    To write to us regarding this Website Privacy Policy and our personal information handling practices, please contact the NFP Privacy Office as follows:

    Email: privacyoffice@nfp.com
    Address: NFP
    c/o Privacy Office
    1250 Capital of Texas Highway, Suite 600
    Austin, TX 78746
    Toll-Free Phone: (866) 824-3817

    We will do our best to respond to your request within 30 days and, in any event, we will respond within the timescales required by applicable data protection law.

    Regarding email communications: note that email communications are not always secure. Thus, please do include any confidential or sensitive information in any emails.

    Regarding postal communications: be aware that it may take us longer to route and process your request if it is made on paper than we would take with an electronic message.