Information BFC Collects and How BFC Collects It.
“Personally Identifiable Information” or “PII” means any information that may be used to identify an individual, including, but not limited to postal address, telephone number, fax number, financial information, income, assets and e-mail address, and also may include certain business information, such as employer name, occupation, job function and job title.
“Anonymous Information” means information which does not enable identification of an individual user, such as aggregated information about the use of our Site and its Services.
If You choose to use the Services as a guest, and/or register and create an account in connection with the Services, we require You to submit information that may include Personally Identifiable Information. You represent and warrant that You have the necessary rights and authorizations to submit, use and authorize BFC to use, transmit and store such Personally Identifiable Information. BFC logs information about Your use of the Site. This information includes, but is not limited to, the following events:
- Logons and logoffs
- Requests for Quotes
- Transmission of Quotes
- Requests to transmit Your PII to an independent insurance agent
- Your authorization and/or rejection of such requests
- Communication errors
- Business rule validation failures
The Site only collects Personally Identifiable Information with Your knowledge. You are responsible for ensuring the accuracy of the Personally Identifiable Information that You submit via the Site. Inaccurate information will affect the information You receive when using the Site and the Services. For example, Your email address should be kept current because that it is how we communicate with you.
How We Use Your Information
We do not collect any Personally Identifiable Information from You unless You voluntarily choose to disclose such information while taking advantage of the Services on our Site.
- In order to take advantage of the Services on our Site You must provide certain Personally Identifiable Information and Anonymous Information to us.
- Personally Identifiable Information is (i) used to facilitate Your requests for insurance quotes, and (ii) sent to independent insurance agents in Your geographic area. and, as a result, You may be contacted by such agents.
- Your Personally Identifiable Information may be collected and used by us to track activity conducted by You on our Site including which Services You selected.
- You might be asked to disclose Personally Identifiable Information if You elect to participate in any sweepstakes or surveys we offer on the Site from time to time.
- If You submit Personally Identifiable Information to us through the Site, then we will use Your Personally Identifiable Information to improve our Services to You, to contact You and to identify and authenticate Your access to the Services that You are authorized to access. We will also send Your Personally Identifiable Information to independent insurance agents located in Your geographic area, and such agents may contact You regarding Your insurance needs.
- We may use Your e‐mail address to send updates, offers for our Services, a newsletter or news regarding our Services. You may choose not to receive email of this type by sending a single e-mail with the subject "BLOCK" to firstname.lastname@example.org. Please note that the e‐mail must come from the e‐mail account You wish to block.
- We may send You e‐mail service notifications that are related to Your account(s) or Services that You have used. These include e‐mails that provide account information, answer Your questions about Services, or fulfill a legal or regulatory disclosure requirement.
Cookies and Other Tracking Technologies.
Some of our Site pages utilize "cookies" and other tracking technologies including, but not limited to, Google Analytics. A "cookie" is a small text file that may be used, for example, to collect information about Site activity. Some cookies and other technologies may serve to recall Personally Identifiable Information previously indicated by a Site User. Most browsers allow You to control cookies, including whether or not to accept them and how to remove them. You may set most browsers to notify You if You receive a cookie, or You may choose to block cookies with Your browser.
We collect and analyze traffic on our Site by keeping track of the IP addresses of our visitors. IP addresses are unique numeric identifiers that are assigned to each computer browser accessing the Internet. An IP address, by itself, cannot identify You personally. However, when combined with other information provided by Your Internet Service Provider (ISP), Your IP address can be used to identify the computer originating a message.
BFC Disclosure of Your Information.
BFC will not disclose Personally Identifiable Information to anyone outside of BFC, except as described below.
- Aggregate Information. We may use Anonymous Information to improve our Services and enhance Your experience with the Site and its Services. BFC may disclose Anonymous Information about Users to advertisers, Content and service providers, and other affiliated and unaffiliated companies.
- Financial, Credit and Government Agencies. In order to provide You with our Services, and only where permitted by law, we may share Personally Identifiable Information You submitted with: (1) certified credit bureaus to verify information about Your credit report; and (2) government agencies to verify Your previous claims history and other relevant information. Your Personally Identifiable Information is maintained by credit agencies and disclosed by them to others as permitted by law.
- Others. We may disclose Personally Identifiable Information You submitted if we have a good faith belief that disclosure of such information is helpful or reasonably necessary to i) comply with any applicable law, regulation, legal process or governmental request, ii) enforce our Terms including investigations of potential violations thereof, iii) detect, prevent, or otherwise address fraud, security or technical issues, iv) protect against harm to the rights, property or safety of BFC, its users, Yourself or the public; v) investigate reports of visitors providing false or misleading information; vi) prevent or investigate reports of credit card fraud or unauthorized use; or (vii) protect against misuse or unauthorized use of our Site and/or Services.
In the Event of Merger, Sale, or Bankruptcy.
In the event that BFC is acquired by or merged with a third party entity, we reserve the right, in any of these circumstances, to transfer or assign to such third party entity the information we have collected from our Users as part of such merger, acquisition, sale, or other change of control. In the unlikely event of our bankruptcy, insolvency, reorganization, receivership, or assignment for the benefit of creditors, or the application of laws or equitable principles affecting creditors' rights generally, we may not be able to control how Your Personally Identifiable Information is treated, transferred, or used.
Security: Here at BFC, the privacy and security of Users data is as important to us as it is to You. We maintain strict physical, electronic, and procedural safeguards that are designed to control and protect Your data from unauthorized access. We continually monitor our systems to prevent unauthorized attempts at intrusion. We continually review our policies and practices, monitor our computer networks, and test the strength of our security in order to help us ensure the safety of customer information. We adhere to accepted industry privacy standards and comply with our own privacy practices, and, to the extent applicable, we comply with the Gramm-Leach-Bliley Act (GLBA) on privacy and security.
In addition, BFC uses RSA 1024 bit encryption and SSL, short for Secure Sockets Layer, a protocol for transmitting private information via the Internet. RSA-type encryption uses a public key and a private key to encrypt data that is transferred over a secure connection. This protocol is a standard used by many banking and e-commerce websites when You submit Personally Identifiable Information, such as credit card numbers and other personal data. SSL creates a secure connection between Your browser and our server. Addresses of web pages using an SSL connection start with https: instead of http: and most browsers also display an icon of a closed padlock when You visit a page using SSL.
Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. Therefore, while we follow accepted industry standards and implement reasonable security practices to protect Personally Identifiable Information, we cannot guarantee its absolute security. If You have any questions about the security of our Site, You can send an email to email@example.com
Our Employees: We restrict access to nonpublic Personally Identifiable Information about You to those employees whom we have determined need to know that information to provide products or Services to You.
Links to Other Sites and Collection of Information by Third Parties
The Site contains links to other sites. Once You enter another web site (whether through an advertisement, service, or content link), be aware that BFC is not responsible for the privacy practices of such other sites. We encourage You to look for and review the privacy statements of each and every web site that You visit through a link or advertisement on the Site.
Who Should Use Our Site? Our Site is not intended for children. We offer insurance related Services and thus do not market any products or Services to children under the age of thirteen or knowingly collect any information from children under the age of thirteen. If we become aware that information is or has been submitted by or collected from a child under the age of thirteen, we will delete this information and terminate access to the Site by such User.
Right to Access and Change Personally Identifiable Information
- Editing Your Personally Identifiable Information. If Your Personally Identifiable Information changes or You want to edit or update Your information You can do so by using Your password, for existing customers, or, for potential customers, through an e-mail link (to the extent that You provide us with a valid e-mail address).
- Implementing Change Request. We will use reasonable commercial efforts to make the changes You requested but it is not always possible to modify database information. In addition, if Your Personally Identifiable Information has been provided to third parties, we will not be able to make changes to it. Further, such information is never completely removed from our database due to technical constraints and the fact that we back up our systems. Therefore, You should not expect that all of Your Personally Identifiable Information would be removed from our database in response to Your request.
Your California Privacy Rights: California Civil Code Section 1798.83 permits customers of BFC who are California residents to request certain information regarding its disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an e-mail to firstname.lastname@example.org. Please note that we are only required to respond to one request per customer each year.
We reserve the right, at our discretion, to modify these Terms, which will be effective 10 days following the posting of the modification to the Site or providing notice to you, whichever occurs first, and will apply to causes of action arising after the effective date of the change. We will inform You regarding such modifications by either notifying You via Your e-mail address or by posting such latest changes on the Site. You should continue check the Site for changes. Your continued use of this Site 10 days following the posting of changes to these Terms or providing notice to you, whichever occurs first, will mean You accept those changes.
Ability to Accept Terms: You affirm that You are over the age of 18 and have the power, authority and capacity to enter into these Terms, and that you are a U.S. citizen, or are physically present in the United States as you use the Site. If it comes to BFC’s attention through reliable means that a user is a child under 18 years of age, BFC may terminate that user’s access to the Site.
By using the Site, You signify you meet all of the foregoing criteria, and agree any action taken by You on the Site shall be deemed an action taken by You and, to the extent You are accessing this Site for Your business, Your actions shall be deemed to be authorized actions on behalf of Your business.
Website Access: BFC hereby grants You permission to use the Site, provided that: (i); You will not copy, distribute or modify any part of the Site without BFC’s prior written authorization; (ii) You will not send unsolicited or unauthorized advertisements, spam, chain letters, etc.; (iii) You will not transmit any Content which contains software viruses, or other harmful computer code, files or programs; (iv) You will not disrupt servers or networks connected to the Site; (v) You will not disobey any requirements, procedures, policies or regulations established from time to time regarding use of this Site or any networks connected to this Site; (vi) You will not engage in hacking, cracking, “phishing”, “phreaking” or any other activity to circumvent established Internet security measures on the Site or elsewhere; and (vii) You comply with these Terms.
In order to access and use the Content and Services provided on this Site, You must (i) use the Site only for lawful purposes, and (ii) provide BFC with accurate and complete information. You may create an account on this Site or use the Site as a guest. You may never use another's account and/or password without permission. You must not impersonate any person or entity or misrepresent Your identity or affiliation with any person or entity, including using another person’s username, password or other account information or another person’s name, likeness, voice, image or photograph. You are solely responsible for the activity that you conduct on this Site, and any activity that occurs on Your account. You are solely responsible for keeping Your account password secure. You must notify BFC immediately of any breach of security or unauthorized use of Your password and/or account. You will be liable for any use made of Your account or password and the losses of BFC or others due to such unauthorized use. BFC will not be liable for Your losses caused by any unauthorized use of Your account and/or password.
You agree not to use or launch any automated system, including without limitation, "robots," "spiders," and "offline readers," that accesses the Site in a manner that sends more request messages to the BFC servers in a given period of time than a human can reasonably produce in the same period by using a conventional on-line web browser. BFC grants the operators of selected public search engines permission to use spiders to copy materials from the Site for the sole purpose of creating publicly available searchable indices of the materials, but not caches or archives of such materials. BFC reserves the right to revoke these exceptions either generally or in specific cases. You agree not to collect or harvest any personally identifiable information, including account names or e-mail addresses, from the Site, nor to use the communication systems provided by the Site for any commercial solicitation purposes.
BFC has the right to seek all remedies available at law and in equity for violations of these Terms. In addition, BFC has the right to terminate Your access to the Site, in its sole discretion, immediately and with or without cause.
Intellectual Property Rights: The content on the Site, including without limitation, the text, documents, descriptions, products, software, graphics, photos, sounds, videos, interactive features, services, and any other content on the Site ("Content") and the trademarks, service marks and logos contained therein ("Marks"), are owned by or licensed to BFC. Content on the Site is provided to You “AS IS” for Your information and personal use only and may not be used, copied, distributed, transmitted, broadcast, displayed, sold, licensed, de-compiled, or otherwise exploited for any other purposes whatsoever without BFC’s prior written consent. BFC reserves all rights not expressly granted in and to the Site. If You download or print a copy of the Content for personal use, You must retain all copyright and other proprietary notices contained therein. You agree not to circumvent, disable or otherwise interfere with security-related features of the Site or features that prevent or restrict use or copying of any Content or enforce limitations on use of the Site.
This section on Intellectual Property Rights shall survive any termination of these Terms.
BFC permits You to link to materials on the Site for Your personal or business use, and not on behalf of or for the benefit of other persons or entities.
Information Description: BFC attempts to be as accurate as possible. However, BFC cannot and does not warrant that the Services or the Content available on the Site is accurate, complete, reliable, current, or error-free. BFC reserves the right to make changes in or to the Content or Services, or any part thereof, according to its sole judgment, without the requirement of giving any notice prior to or after making such changes. Your use of the Content and the Services, or any part thereof, is made solely at your own risk and responsibility.
Limitation of Liability and Warranty: THE FOLLOWING SECTION REGARDING LIMITATION OF LIABILITY AND WARRANTY APPLIES WHETHER OR NOT THE SERVICES PROVIDED UNDER THE SITE ARE FOR PAYMENT.
EXCEPT AS EXPRESSLY PROVIDED OTHERWISE IN A WRITTEN AGREEMENT BETWEEN YOU AND BFC, THE SITE (INCLUDING THE CONTENT AND ANY SERVICES) IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND INCLUDING WITHOUT LIMITATION, REPRESENTATIONS, WARRANTIES AND CONDITIONS OF MERCHANTABILITY, MERCHANTABLE QUALITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND THOSE ARISING BY STATUTE OR FROM A COURSE OF DEALING OR USAGE OF TRADE. WHILE WE MAKE REASONABLE EFFORTS TO ENSURE THAT THE SITE WILL FUNCTION AS CLAIMED, BFC DOES NOT GUARANTEE THAT THE SITE WILL BE FREE OF BUGS, SECURITY BREACHES, VIRUS ATTACKS AND THE LIKE, OR THAT IT WILL ALWAYS BE AVAILABLE. THE SITE WILL OCCASIONALLY BE UNAVAILABLE FOR ROUTINE MAINTENANCE, UPGRADING, OR OTHER REASONS. IN ADDITION, YOU AGREE THAT BFC WILL NOT BE HELD RESPONSIBLE FOR ANY CONSEQUENCES TO ITS USERS THAT MAY RESULT FROM TECHNICAL PROBLEMS OF THE INTERNET, SLOW CONNECTIONS, TRAFFIC CONGESTION OR OVERLOAD OF OUR OR OTHER SERVERS, ETC.
THE FACT THAT BFC HAS PROVIDED A LINK TO A THIRD PARTY SITE IS NOT AN ENDORSEMENT, AUTHORIZATION, SPONSORSHIP OR AFFILIATION WITH RESPECT TO SUCH SITE, ITS OWNERS, OR ITS PROVIDERS.
BFC DOES NOT WARRANT, ENDORSE OR GUARANTEE ANY CONTENT, PRODUCT, OR SERVICE THAT IS FEATURED OR ADVERTISED ON THE SITE.
BFC IS NOT INSURANCE COMPANY. INSURANCE PLANS AND SERVICES ARE PROVIDED BY INSURANCE AGENTS, INSURANCE COMPANIES AND OTHER LICENSED INSURANCE-RELATED PROVIDERS. YOU ARE SOLELY RESPONSIBLE FOR YOUR INTERACTION WITH THE INSURANCE AGENTS, INSURANCE COMPANIES, AND OTHER INSURANCE RELATED PROVIDERS. IF YOU HAVE A DISPUTE WITH ANY INSURANCE AGENT, INSURANCE COMPANY OR OTHER INSURANCE RELATED PROVIDERS, YOU AGREE THAT BFC AND ITS LICENSORS ARE NOT LIABLE FOR ANY CLAIMS OR DAMAGES ARISING OUT OF OR CONNECTED WITH SUCH A DISPUTE.
BFC MAY BE PAID COMMISSIONS AND MAY RECEIVE OTHER PERFORMANCE-BASED COMPENSATION DIRECTLY OR INDIRECTLY FOR THE SERVICES PROVIDED TO YOU. NOT ALL PRODUCTS ARE AVAILABLE IN ALL STATES. RATES FOR THE INSURANCE PLANS AND SERVICES ARE SUBJECT TO CHANGE WITHOUT NOTICE.
THE CONTENT AND SERVICES AVAILABLE ON THE SITE ARE FOR UNITED STATES RESIDENTS ONLY. WE DO NOT INTEND, NOR SHOULD ANYTHING ON OUR SITE BE CONSTRUED AS AN ATTEMPT TO CONDUCT COMMERCE OUTSIDE THE UNITED STATES.
WE PRESENT CONTENT FOR THE PURPOSE OF HELPING OUR USERS DETERMINE WHAT INSURANCE COVERAGE MAY BE ADVISABLE FOR THEM AND PROVIDE FREE QUOTES TO SIMPLIFY COMPARISON-SHOPPING FOR INSURANCE. NEITHER BFC NOR ITS AFFILIATES REPRESENT THEMSELVES AS FINANCIAL ADVISORS, ATTORNEYS OR TAX PLANNING SPECIALISTS. THE OPINIONS, ADVICE AND STATISTICS ON OUR SITE ARE PROVIDED AS IS. WE MAKE NO WARRANTIES AS TO THE ACCURACY OR THE SUITABILITY OF THIS INFORMATION AS IT RELATES TO YOUR PERSONAL CIRCUMSTANCES OR ANY OTHER PARTICULAR PURPOSE.
THE INSURANCE QUOTES PROVIDED ARE FURNISHED BY FIRST COMMUNITY INSURANCE CO., BANKERS INSURANCE CO., OR BANKERS SPECIALITY INSURANCE CO. AND ARE SUBJECT TO CHANGE WITHOUT NOTICE. A QUOTE SHOULD NOT BE CONSTRUED AS A COMMITMENT FROM AN INSURANCE COMPANY TO ACTUALLY ISSUE THAT POLICY OR ANY OTHER POLICY TO YOU AT THE QUOTED PREMIUM OR ANY OTHER PREMIUM. THE QUOTES PRESENTED ARE BASED ON THE INFORMATION WE HAVE REQUESTED AND YOU HAVE GIVEN US. TO PURCHASE A POLICY, YOU MUST SUBMIT AN APPLICATION WITH ALL THE REQUESTED DETAILS TO THE INDIVIDUAL INSURANCE COMPANY. THE INSURANCE COMPANY WILL REVIEW YOUR APPLICATION, ALONG WITH INFORMATION IT MAY GATHER FROM OTHER SOURCES. BASED ON ITS UNDERWRITING ANALYSIS, THE INSURANCE COMPANY WILL DETERMINE THE PRECISE PREMIUM TO CHARGE YOU OR, IN CERTAIN CIRCUMSTANCES, DECLINE TO OFFER AN INSURANCE POLICY TO YOU. THIS UNDERWRITING PROCESS MAY ALSO RESULT IN HIGHER OR LOWER PREMIUMS THAN YOUR QUOTE.
UNDER NO CIRCUMSTANCES SHALL BFC, ITS AFFILIATES AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, LICENSORS, ASSIGNS AND AGENTS (“BFC PARTIES”) BE LIABLE FOR ANY LOSS OF MONEY, GOODWILL, REPUTATION, SPECIAL, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE SITE, ITS CONTENT AND/OR ITS SERVICES EVEN IF THE BFC PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN ANY EVENT AND WITHOUT LIMITING THE GENERALITY OF THIS SECTION, TO THE EXTENT PERMITTED BY LAW YOU AGREE THAT BFC’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES AND LOSSES SHALL NOT UNDER ANY CIRCUMSTANCES EXCEED AN AGGREGATE OF THE AMOUNT PAID BY YOU FOR ACCESSING AND USING THE SITE, IF ANY, IN THE 12 MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
Your Contact with Advertisers: Your dealings or correspondence with, or participation in promotions of, advertisers found on or through the Site (including, without limitation, payment and delivery of related products or services, and any other terms, conditions, representations or warranties associated with such dealings or correspondence) are solely between You and such advertisers. BFC makes no representations or warranties with respect to any advertising content of, or any products or services that may be obtained from, such advertisers. You agree that BFC will not be responsible or liable with respect to any loss or damage of any kind incurred as a result of: (a) any such dealings or correspondence between You and such advertisers, (b) content, products or services of such advertisers, or (c) the presence of such advertisers on the Site.
Indemnity: You agree to defend, indemnify and hold harmless the BFC Parties from and against any and all claims, damages, obligations, losses, liabilities, costs and expenses (including but not limited to attorney's fees) arising from: (i) Your use of the Site; (ii) Your violation of these Terms; or (iii) Your violation of any third party right, including without limitation any copyright, property, publicity or privacy right. This defense and indemnification obligation will survive these Terms and Your use of the Site. You must use your best efforts to cooperate with us in the defense of any such claim. We reserve the right, at our own expense, to employ separate counsel and assume the exclusive defense and control of any such matter subject to indemnification by You.
Assignment: These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by You, but may be assigned by BFC without restriction.
International Use: Neither BFC nor its affiliates make any representation that the Site, the Services or Content is appropriate or available for use in locations outside the United States. Those who choose to access the Site from other locations are responsible for compliance with any applicable local laws and any applicable laws regarding the transmission of technical data exported from the United States of the country in which you reside.
Digital Millennium Copyright Act: BFC respects the intellectual property rights of others and attempts to comply with all relevant laws. We will review all claims of copyright infringement received and remove Content deemed to have been posted or distributed in violation of any such laws.
Our designated agent under the Digital Millennium Copyright Act (the “Act”) for the receipt of any Notification of Claimed Infringement which may be given under that Act is as follows:
Bankers Financial Corporation
11101 Roosevelt Blvd. N.
St. Petersburg, FL 33716
If you believe that your work has been copied on the Site in a way that constitutes copyright infringement, please provide our agent with notice in accordance with the requirements of the Act, including (i) a description of the copyrighted work that has been infringed and the specific location on the Site where such work is located; (ii) a description of the location of the original or an authorized copy of the copyrighted work; (iii) your address, telephone number and e-mail address; (iv) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the law; (v) a statement by you, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf; and (vi) an electronic or physical signature of the owner of the copyright or the person authorized to act on behalf of the owner of the copyright interest.