Privacy and Security Policy
This website, and the various content, features and services offered on this website (collectively, the "Site"), is owned and/or operated by PM Insurance Services. PM Insurance Services is committed to respecting your online privacy and recognizes your need for appropriate protection and management of information you share with us. PM Insurance Services has established this privacy and security policy ("Privacy Policy") to let you know what information we may collect from you on the Site and how we may use and share that information. Please take a moment to review the terms of our Privacy Policy. By
using the Site, you agree to accept the terms of our Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the Site.
1. Personal Information; Changes to Personal Information
Personal Information means any information that may be used to identify an individual, including, but not limited to, first and last name, home or other physical address, telephone number, e-mail address, credit card information.
In general, you can visit the Site without telling us who you are or revealing any Personal Information about yourself. However, in order to make a purchase on the Site, we require you to provide Personal Information. Moreover, other
features or services may require you to provide Personal Information. For example, we may collect certain Personal Information if you choose to subscribe to a mailing list, participate in special offers, other promotions, or send
questions or comments to us via e-mail. Of course, should you purchase any products on the Site, we will collect Personal Information from you, which we will use to fulfill your order and for other purposes consistent with this Privacy Policy.
2. Aggregate Information
From time to time, PM Insurance Services may collect general, non-personal, statistical information about the use of the Site, such as how many visitors visit a specific page on the Site, how long they stay on that page and which hyperlinks, if any, they "click" on. We collect this information through the use of "cookies" and other tracking technologies, which are discussed in
greater detail below. We collect this information in order to determine which areas of the Site are most popular and to enhance the Site for visitors. PM Insurance Services may also group demographic and preferences information and
responses to surveys that we collect from visitors into aggregate data for the same purposes. However, please be assured that this aggregate data will not be disclosed together with your Personal Information under these circumstances.
3. Cookies and Other Tracking Technologies
Some of our web pages utilize "cookies" and other tracking technologies. A cookie is a small text file that a website transfers to an individual's hard drive. For example, we may use cookies to collect information about website activity, to maintain your shopping experience in our online store, and to make product recommendations to you. We do not save credit card information in cookies. 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. However, please be aware that some features of the Site may not function properly or may be slower if you refuse cookies. Moreover, your ability to complete a purchase may be compromised without enabling cookies in your
Internet browser.
An IP address is a number that is automatically assigned to your computer whenever you are surfing the web. Web servers, the computers that "serve up" web pages, automatically identify your computer by its IP address. We may link
the information we record using tracking technologies to Personal Information we collect at the Site for our own internal marketing and advertising efforts. However, we do not share this Personal Information with third parties. In
addition, we may use IP addresses and other tracking technologies to identify a visitor when we feel it is necessary to enforce the Site's policies, to protect the Site, our customers or others, or when we believe in good faith that the law or judicial requires it.
The Site may also use a technology called "tracer tags". These may also be referred to as "Clear GIFs" or "Web Beacons". This technology allows us to understand which pages you visit on the Site. These tracer tags are used to help us optimize and tailor the Site for you and other Site visitors.
4. Remarketing
PMInsuranceServices.com also uses 3rd party vendor re-marketing tracking cookies, including the Google Adwords tracking cookie. This means we will continue to show ads to you across the internet across all devices specifically on the Google Content Network (GCN). As always we respect your privacy and are not collecting any identifiable information through the use of Google’s or any other 3rd party remarketing system. The third-party vendors, including Google, whose services we use – will place cookies on web browsers in order to serve ads based on past visits to our website. – Third party vendors, including Google, use cookies to serve ads based on a user’s prior visits to your website. This allows us to make special offers and continue to market our services to those who have shown interest in our service. You may opt out of Google Analytics Advertising Features by visiting the Google Analytics opt-out page and install the add-on for your browser
https://tools.google.com/dlpage/gaoptout/. You may also opt out of the automated collection of information by third-party ad networks for the purpose of delivering advertisements tailored to your interests, by visiting https://www.google.com/ads/preferences/.
5. How We Use Your Information
With respect to the Personal Information we collect, we may retain and use that information for several purposes. For example, we may use your Personal Information in order to process and fulfill any purchases you make on the Site
(including any customary follow-up or confirmation communications regarding such purchases), process your catalog requests, establish an account for you, respond to your questions or send e-mails to our mailing list subscribers. We
may also use Personal Information to ensure compliance with our policies and applicable law. We use your e-mail address as a customer identifier on the Site. In addition, we may send you periodic communications by e-mail or regular mail, such as product updates, special promotional offers or information on our products or services which may be of interest to you. If you later wish to opt-out of receiving such promotional communications from us at any time, simply follow the instructions in Section 7.
6. With Whom We May Share Your Information
PM Insurance Services has not and will not share your Personal Information with third parties for their direct marketing purposes. However, we may disclose your Personal Information to third parties for other purposes, as set forth in
this Privacy Policy.
We may sometimes use other businesses to perform certain services for us, such as maintaining the Site and our mailing lists, processing orders and delivering products, sending postal mail and providing marketing assistance and data
analysis. We may provide Personal Information to those businesses when that information is necessary for them to complete a requested transaction or otherwise perform their duties.
PM Insurance Services fully cooperates with law enforcement agencies in identifying those who use our services for illegal activities, and may in its sole discretion disclose Personal Information or other information to satisfy
any law, regulation, subpoena, or government request, or in connection with litigation. PM Insurance Services reserves the right to release Personal Information or other information about users who we believe are engaged in illegal activities or are otherwise in violation of our Terms of Use Agreement, even without a subpoena, warrant or court order, if we believe in our sole discretion that such disclosure is necessary or appropriate to operate the Site, or to protect the rights or property of PM Insurance Services, its affiliates, or any of their officers, directors, or employees, agents, third party content providers, suppliers, sponsors, or licensors. PM Insurance Services also reserves the right to report to law enforcement agencies any
activities we reasonably believe in our sole discretion to be unlawful.
7. Privacy Preferences/Opt-Out
You can change or update your Personal Information on the Site by accessing your account page. PM Insurance Services also offers you control over your privacy preferences through a request submitted at our unsubscribe page, where you can request to not receive promotional materials from us. You may update these preferences at any time. Please allow sufficient time for your preferences to be processed.
If you do not want to receive promotional e-mails from PM Insurance Services, please follow one of the three options below:
1. You may opt-out from receiving promotional e-mail when registering for an account. When providing your account information, simply uncheck the box that asks whether you would like to receive e-mail updates about our new features,
services and special offers, and we will not send you any promotional information via e-mail. However, you will continue to receive non-promotional e-mails from us, such as order confirmations.
2. You may unsubscribe from receiving promotional e-mails at any time by using the unsubscribe page. Click here to unsubscribe now. Enter your email address and press submit. This will notify us to add your email address to our opt-out
list and you will no longer receive any of our promotional emails. However, you will continue to receive non-promotional e-mails from us, such as order confirmations.
3. When you receive a promotional e-mail from PM Insurance Services, it will contain a link that allows you to stop the delivery of e-mail messages from us. If you decide to use this opt-out link, you will no longer receive special
offers, valuable coupons, new product introductions and health and wellness information from PM Insurance Services; however, you will continue to receive non-promotional e-mails from us, such as order confirmations.
8. Security
PM Insurance Services intends to take reasonable and appropriate steps to protect the Personal Information that you share with us from unauthorized access or disclosure. When you transmit Personal Information to our servers,
your information is protected by both a "firewall" (a combination of computer hardware and software that helps keep unauthorized visitors from accessing information within our computer network) and industry standard SSL (secure
socket layer) encryption. Unfortunately, no data transmission over the Internet or stored on a server can be guaranteed to be 100% secure. As a result, while we strive to protect your Personal Information and privacy, we cannot guarantee
or warrant the security of any information you disclose or transmit to us online and cannot be responsible for the theft, destruction, or inadvertent disclosure of your Personal Information.
If you create an account on the Site, you may be asked to choose a password for your account, in which case your online account information shall be protected by your password. We recommend that you do not disclose your password to any
other person. You are responsible for maintaining the confidentiality of your password and account, and are fully responsible for all activities that occur under your password or account.
Credit card information collected by PM Insurance Services is encrypted through SSL before it is transmitted over the Internet.
9. Changes to Privacy Policy
The terms of this Privacy Policy may change from time to time. We will notify you of any material changes to this Privacy Policy by posting a notice on the homepage of the Site for a reasonable period of time after such changes are
made that this Privacy Policy has been updated, and by changing the "Last Updated" date at the top of this Privacy Policy. We encourage you to check this page periodically for any changes. Your continued use of the Site following the posting of changes to these terms will mean you accept those changes. If you have questions about this Privacy Policy, or believe that PM Insurance Services has acted inconsistently with this Privacy Policy, please contact us at service@PMInsuranceServices.com.
10. Third Party Websites
Please note that you may have cookies placed on your computer by third party websites that refer you to the Site. Although we do not share your Personal Information with these third party websites, they may be able to link certain non-personally identifiable information we transfer to them with Personal Information they previously collected from you. Please review the privacy policies of each website you visit to better understand their privacy practices. In addition, PM Insurance Services would like to inform you that anytime you click on links (including advertising banners), which take you to third party websites, you will be subject to the third parties' privacy policies.
While we support the protection of our customer's privacy on the Internet, PM Insurance Services expressly disclaims any and all liability for the actions of third parties, including but without limitation to actions.
11. Miscellaneous
This Privacy Policy and the privacy practices of PM Insurance Services will be subject exclusively to the laws of the State of California within the United States. PM Insurance Services makes no representation that this Privacy Policy and our practices comply with the laws of any other country or jurisdiction. Visitors who use the Site and reside outside the United States do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. If you reside outside of the United States, by using our Site, you consent to the transfer, processing and use of your information outside your country.
12. Contact Us
If this Privacy Policy does not answer your questions about our data practices, please contact us at service@PMInsuranceServices.com