Black Insurance Services Privacy Policy

Your personal privacy is important to us. To better protect your privacy, this Privacy Policy explains how we collect and use your personal information. IT IS VERY IMPORTANT THAT YOU READ THIS PRIVACY POLICY VERY CAREFULLY. Please see Terms of Use and Disclaimer for further information that governs your use of this website. By accessing, browsing and/or using this website, you accept and agree to be bound by this Privacy Policy and the Terms of Use and Disclaimer (“Terms and Conditions”).

Collection and use of personal information
This website may provide you with the opportunity to voluntarily submit forms to request additional information. In the course of these transactions, you may provide us with personal demographic information. Black Insurance Services (Hereafter know as B.I.S.) will use the information you provide solely to help Black Insurance respond to your request.
B.I.S. will not sell, rent, loan, trade or lease any information collected on this website.
B.I.S. may use and disclose your activity information unless restricted by this policy or by law. Some examples of the ways Black Insurance may use your activity information include:
• Customizing your experience on the website including managing and recording your preferences.
• Providing you with access to particular tools and services and enabling certain functions and tools on this website.
• Tracking paths of visitors to this website and within this website.
• Responding to your inquiries and sending you administrative and other communications.
Except as noted above, Black Insurance will not release individualized information obtained through this website to another party unless required to do so by government authorities, legal processes, or otherwise required by law.
Any personally-identifiable information collected through this website is not stored on the website, but will go to back office systems in the same manner that information from paper forms, submissions, and phone calls to customer service is currently handled. This information is used as defined herein. As a standard practice, as described below, we collect general statistical information on the content viewed, which is used to help us provide better service to you.
You have the right and ability to exit the B.I.S. site at any time and not remain in an active session. If you choose to remain in session on our site, you implicitly consent to this Privacy Policy and the Terms of Use and Disclaimer.
When you visit our website, we may collect certain information that does not identify you personally, but provides us with aggregate “usage data”. This information is used to measure the number of visitors to the different sections of our site and to help us make our site more useful to our visitors.
This website does employ “cookies” to provide visitors with information that is specific to them. A “cookie” is a collection of information sent by a website to a user’s computer, which is then sent back by the computer each time it accesses that website. These cookies do not contain any personally identifiable information, and they cannot be accessed or “read” by any website other than B.I.S.’ website, and most web browsers provide a simple procedure that enables you to control whether or not you want to receive cookies or notifies you when a website is about to deposit a cookie file.
If you choose, you may block or delete our cookies from your browser; however, blocking or deleting cookies may cause some of B.I.S.’ website features and functionality to work incorrectly.
Email
Please note that individualized information transmitted via email correspondence between you and B.I.S. — as opposed to transmission over this website — is not encrypted. As a result, like most, if not all, non-encrypted Internet email communications, such email correspondence may be accessed and viewed by other Internet users without your knowledge and permission while in transit.
You agree that any comments, suggestions, or other information sent to B.I.S. by way of this site is provided without restriction or obligation on B.I.S. and B.I.S. will be free to use such information on an unrestricted basis. You also agree:
• That information submitted is at your own risk,
• B.I.S. has no liability with respect to any unauthorized access by third parties,
• You are responsible for whatever material you submit, and
• You, not B.I.S., have full responsibility for any submitted message, including its legality, reliability, accuracy, completeness, appropriateness, originality, and copyright.
Electronic or hard copies of the information captured through this website system may be archived or retained in B.I.S.’ files or systems. Information from emails may be transcribed into other B.I.S. systems such as a calls database.
Security
B.I.S. uses physical, technical, and administrative safeguards to protect any personally identifiable data stored on its computers. Only authorized employees and third parties have access to the information you provide to B.I.S. for providing service to you.
HIPAA
HIPAA is the federal Health Insurance Portability and Accountability Act of 1996 (“HIPAA”).
HIPAA outlines strict guidelines to ensure the privacy and confidentiality of your Personal Health Information (PHI) such as your name or medical information. These guidelines require that your PHI be used for purposes of treatment, payment and health plan operations, and not for purposes unrelated to health care.
Minors
The content of this website is directed at adults. If you are under the age of 18, please consult with a parent or guardian and do not use this website without their consent, monitoring, and assistance.
Policy is subject to change
As additional features and functions are added, this Privacy Policy will be updated to correctly represent how information and features are being used. Each time you visit this website it is your responsibility to review the most current Terms and Conditions and any other policies, restrictions, conditions and notices. By accessing, browsing, and/or otherwise using this website you accept and agree to be bound by the most current Terms and Conditions and any other policies, restrictions, conditions and notices on this website.

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