privacy policy

 

Protecting your private information is our priority. This Statement of Privacy applies to americancontingency.com and governs data collected and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to American Contingency include americancontingency.com. By using the American Contingency website, you consent to the data practices described in this statement.

 

What personal data we collect and why we collect it 

We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain services available on the Site. These may include: (a) sending us an email message; (b) registering for an account on our Site. To wit, we will use your information for, but not limited to, communicating with you in relation to services you have requested from us. We may also gather personal or non-personal information in the future.

 

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. 

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

 

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

 

Cookies

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser. 

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

 

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

 

Analytics

We may also partner with selected third-party vendors such as Google Analytics  and others to allow tracking technologies on the Site and our mobile application through the use of first party cookies and third-party cookies, to, among other things, analyze and track users’ use of the Site, determine the popularity of certain content and better understand online activity in support of our goals. By accessing the Site, you consent to the collection and use of your information by these third-party vendors. You are encouraged to review their privacy policy and contact them directly for responses to your questions. We do not transfer personal information to these third-party vendors. However, if you do not want any information to be collected and used by tracking technologies, you can visit the third-party vendor or the Network Advertising Initiative Opt-Out Tool.

 

use of your personal information

American Contingency collects and uses your personal information to operate its website and deliver the services you have requested.

American Contingency may also use your personally identifiable information to inform you of other products or services available from American Contingency and its affiliates.

 

Who we share your data with

American Contingency does not sell, rent or lease its customer lists to third parties.

American Contingency may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is transferred to the third party. American Contingency may share data with trusted partners to help perform statistical analysis, send you email or postal mail, or provide customer support. All such third parties are prohibited from using your personal information except to provide these services to American Contingency, and they are required to maintain the confidentiality of your information.

American Contingency may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on American Contingency or the site; (b) protect and defend the rights or property of American Contingency; and/or (c) act under exigent circumstances to protect the personal safety of users of American Contingency, or the public.

 

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

 

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

 

Where we send your data

Visitor comments may be checked through an automated spam detection service. 

 

 tracking user behavior

American Contingency may keep track of the websites and pages our users visit within American Contingency, in order to determine what American Contingency services are the most popular. This data is used to deliver customized content within American Contingency to customers whose behavior indicates that they are interested in a particular subject area.

 

Automatically collected information

Information about your computer hardware and software may be automatically collected by American Contingency. The information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the American Contingency website.

 

Right to deletion

Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will:

– Delete your personal information from our records; and

– Direct any service providers to delete your personal information from their records.

 

Please note that we may not be able to comply with requests to delete your personal information if it is necessary to:

– Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing  business relationship with you, or otherwise perform a contract between you and us;

– Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;

– Debug to identify and repair errors that impair existing intended functionality;

– Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;

– Comply with the California Electronic Communications Privacy Act;

– Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;

– Comply with an existing legal obligation; or

– Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.

 

children under thirteen

American Contingency does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.

 

changes to this statement

American Contingency reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our site, and/or by updating any privacy information on this page. Your continued use of this Site and/or Services available through this Site after such modifications will constitute your: (a) acknowledgement of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.

 

Effective as of July 16, 2020