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Our privacy policy.
Important information for your use of our website.
This Privacy Policy describes how your personal information is collected, used and shared when you visit insurewithgem.com (the “Site”).
Personal information we collect
When you visit the Site, we automatically collect certain information about your device, including information about your web browser, IP address, time zone and some of the cookies that are installed on your device. Additionally, as you browse the Site, we collect information about the individual web pages or products that you view, what websites or search terms referred you to the Site and information about how you interact with the Site. We refer to this automatically-collected information as “Device Information.”
We collect Device Information using the following technologies:
“Cookies” are data files that are placed on your device or computer and often include an anonymous unique identifier.
“Log files” track actions occurring on the Site and collect data including your IP address, browser type, Internet service provider, referring/exit pages and date/time stamps.
“Web beacons,” “tags” and “pixels” are electronic files used to record information about how you browse the Site.
In addition, if you pay your bill or make another form of financial transaction with the Site, we collect certain information from you, including your name, billing address, payment information (including credit card numbers), email address and phone number. We refer to this information as “Purchase Information.”
When we talk about “Personal Information” in this Privacy Policy, we are talking both about Device Information and Purchase Information.
How we use your personal information
We use your Personal Information to communicate with you, process financial transactions and provide you with information and/or advertising relating to our products or services.
In particular, we use Device Information that we collect to help us improve and optimize our Site (for example, by generating analytics about how visitors browse and interact with the Site and to assess the success of our marketing and advertising campaigns).
Sharing your personal information
We share your Personal Information with third parties to help us provide a better experience. For example, we use Google Analytics to help us understand how our visitors use the Site. You can read more about how Google uses your Personal Information here:
You can also opt-out of Google Analytics here:
https://tools.google.com/dlpage/gaoptout
We may also share your Personal Information to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive or to otherwise protect our rights.
Behavioral advertising
As described above, we may use your Personal Information to provide you with targeted advertisements or marketing communications we believe may be of interest to you. You may opt out of targeted advertising by visiting:
Facebook: https://www.facebook.com/ads/preferences/
Google: https://adssettings.google.com/
LinkedIn: https://www.linkedin.com/psettings/advertising
Bing: https://choice.microsoft.com/
Additionally, you can opt out of some of these services by visiting the Digital Advertising Alliance’s opt-out portal here:
Do not track
Please note that we do not alter our Site’s data collection and use practices when we see a Do Not Track signal from your browser.
If you are a European resident, you have the right to access Personal Information we hold about you and to ask that your Personal Information be corrected, updated or deleted. If you would like to exercise this right, please contact us.
Additionally, if you are a European resident we note that we are processing your information in order to fulfill contracts we might have with you (for example, if you request information through the Site) or otherwise to pursue our legitimate business interests listed above. Additionally, please note that your information will be transferred outside of Europe, including to Canada and the United States.
Data retention
When you interact with the Site, we will maintain your Personal Information for our records unless and until you ask us to delete this information.
Changes
We may update this privacy policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal or regulatory reasons.
Internet Web Site Disclaimer Language
General Disclaimer:
Notwithstanding any language to the contrary, nothing contained herein constitutes nor is intended to constitute an offer, inducement, promise, or contract of any kind. The data contained herein is for informational purposes only and is not represented to be error free. Any links to non-Gem Agency Inc are provided as a courtesy. They are not intended to nor do they constitute an endorsement by the Gem Agency Inc of the linked materials.
Solicitation of Insurance: (Alternative Examples)
Despite the efforts of Gem Agency Inc to provide accurate information, it is not possible to completely ensure that all information is constantly correct. The material presented on the server could include technical inaccuracies or typographical errors. As such, Gem Agency Inc does not accept any responsibility or liability for any actions taken as a result of using the information. Further, Gem Agency Inc assumes no responsibility for errors or emissions in the materials on this web site.
The information and descriptions contained in this site are intended as general information and are not necessarily complete descriptions of all terms, exclusions and conditions applicable to the products and services offered by Gem Agency Inc or any insurance company represented by the agency. The information contained throughout the web page is not an insurance policy or contract of insurance. Coverage and issues discussed are for the New York State area and may not be applicable in other areas. The insurance coverage afforded by Gem Agency Inc is subject to the terms and conditions of the policies issued.
Gem Agency Inc is licensed in the State of New York only and does not solicit business for persons or property outside of New York State.
The information contained in the Web site is not the policy itself and is designed only to briefly describe its contents. Each insurance company’s coverage may be different. For complete details and important exclusions, please read the policy. It is also not to be deemed the rendering of legal or insurance advice. If legal advice is sought, contact an attorney. Please contact Gem Agency Inc for insurance advice. No changes can be made, or coverage bound via this Web site, by e-mail, voicemail, or answering service. To make any changes to your current policy or to bind coverage, please call us at 315-735-1771.
This site is provided for general information about all of the different types of insurance that the Gem Agency Inc can offer through the companies that we represent. Coverage can NOT be bound for ANY type of insurance by electronic means through us of this site. Please contact us by e-mail if you have any questions about the terms under which this site is operated, or call us at 315-735-1771 (USA) with any questions.
Warning about E-Mail:
Information that is transmitted by e-mail over the Internet is not secure and can be intercepted and read by other Internet users. DO NOT use e-mail to send the Gem Agency Inc private or confidential data about yourself or others. Additionally, the Gem Agency Inc will not use e-mail to transmit responses that contain private or confidential data on an individual.
Copyright Notice:
The names, trademarks, service marks and logos of Gem Agency Inc and any of the insurance companies represented by the agency may not be used in any advertising or publicity, or otherwise to indicate Gem Agency Inc’s sponsorship of or affiliation with any product or service, without Gem Agency Inc’s prior express written permission.
No Warranty:
Gem Agency Inc does not warrant the accuracy, adequacy or completeness of the information and materials contained in this site and expressly disclaims liability for any errors or omissions in the information and materials. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer viruses, is given in conjunction with the information and materials contained in this site.
Limited Liability:
In no event will Gem Agency Inc, its agents or employees, be liable for any damages, losses or other expenses arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Gem Agency Inc, or its representatives, are advised of the possibility of sch damages, losses or other expenses.
Contact us
For more information about our privacy practices, if you have questions or if you would like to make a complaint, please contact us by email at meg@insurewithgem.com or by mail using the details provided below:
210 Utica Street, Clinton, NY 13323
