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Privacy Policy

Last Revised: June 4, 2024

Effective Date: {Fill in the date you plan to post this on your site}

We, 501(c) Insurance Programs, Inc. (“501(c) Services,” “we,” or “us”), are committed to protecting the privacy and security of personal information and to transparency about how we use personal information (also known as personal data). This Privacy Policy sets forth our policies and practices for collecting and using personal information regarding any of our services that link to this Privacy Policy (our “Services”). This Privacy Policy does not address our use of personal information outside the context of these Services.

For purposes of this Privacy Policy, we regard personal information as any information that relates to an identified person or reasonably identifiable person.

Within the context of the Services, this Privacy Policy explains how we use and disclose personal information. It also discusses how you can control certain uses and disclosures of your personal information. We will update this Privacy Policy from time to time, or as our privacy practices change, to ensure it accurately describes how we use personal information. When we do so, we will update the dates above. We recommend that you review this Privacy Policy occasionally for the latest information. If we change our practices in a material way, we will update this Privacy Policy.

If you have any questions regarding this Privacy Policy or our use of your information, please contact us using one of the methods detailed in the last section of this Privacy Policy.

1. How we use and share personal information

We limit the collection and processing of personal information to that which we need for our business purposes, as explained below:

Categories of individuals

Categories of personal information

Purposes

Methods of collection

Categories of third-party recipients (see below)

Public website users

  • Device, usage, and activity information
  • Interest and demographic information
  • Non-precise location information
  • To provide the website
  • Service analysis, security, and administration
  • Directly from individual
  • Indirectly by observing individuals’ activities or behavior
  • From analytics providers
  • From session replay providers
  • Analytics providers
  • Session replay providers

Trust website users (for authenticated members)

  • Device, usage, and activity information
  • Interest and demographic information
  • Non-precise location information
  • Account credentials (e-mail address and password)
  • Organizational affiliation
  • Personalization
  • Service analysis, security, and administration
  • Directly from individual
  • Analytics providers

Individuals who attend our webinars hosted on Zoom

  • Registration information, including email, address, and organizational affiliation
  • To customize and deliver the webinar
  • For post-webinar marketing and support
  • Zoom event registration
  • None

Individuals who send us feedback or other correspondence

  • Sender name and address
  • Contents of feedback or other correspondence
  • To respond to the feedback or other correspondence
  • Directly from individual
  • None

For Public Website Users:

Categories of personal information

  • Device, usage, and activity information
  • Interest and demographic information
  • Non-precise location information

Purposes

  • To provide the website
  • Service analysis, security, and administration

Methods of collection

  • Directly from individual
  • Indirectly by observing individuals’ activities or behavior
  • From analytics providers
  • From session replay providers

Categories of third-party recipients (see below)

  • Analytics providers
  • Session replay providers

For Trust Website Users (for authenticated members)

Categories of personal information

  • Device, usage, and activity information
  • Interest and demographic information
  • Non-precise location information
  • Account credentials (e-mail address and password)
  • Organizational affiliation

Purposes

  • Personalization
  • Service analysis, security, and administration

Methods of collection

  • Directly from individual

Categories of third-party recipients (see below)

  • Analytics providers

For individuals who attend our webinars hosted on Zoom:

Categories of personal information

  • Registration information, including email, address, and organizational affiliation

Purposes

  • To customize and deliver the webinar
  • For post-webinar marketing and support

Methods of collection

  • Zoom event registration

Categories of third-party recipients (see below)

  • None

For individuals who send us feedback or other correspondence:

Categories of personal information

  • Sender name and address
  • Contents of feedback or other correspondence

Purposes

  • To respond to the feedback or other correspondence

Methods of collection

  • Directly from individual

Categories of third-party recipients (see below)

  • None

Please be aware that we use third-party tracking technologies to share information with third parties for analytics purposes, as described in the table above. In particular, we may use session recording software to record your visits to our public website. This software enables us to record your use, interaction, and engagement with the website. It may capture user input, such as mouse and keyboard inputs and mobile gestures, as well as user views, such as browser or screen output. We use this software to help us optimize our visitors’ experience. By using our public website, you consent to our use of session recording software.

We do not collect or process personal information considered to be “sensitive information,” “sensitive personal information,” or “special category data” in connection with our Services.

2. Disclosure and sharing

In addition to the sharing with the third parties described in the table above, we may also share your personal information with:

  • Processors/service providers. We share your personal information with third parties that provide services to us. We engage these kinds of third parties with contracts that require them to use your personal information only to deliver the services for which we have engaged the third party, and as required by law. These third parties provide business, professional, administrative, or technical support functions for us, such as payment processing, billing, data storage, quality assurance, and marketing.
  • Legal compliance recipients. We disclose personal information to the courts, the government, law enforcement agencies, litigants, and similar recipients when required by law.
  • Successors. We may disclose personal information associated with a part of our business to a buyer, potential buyer, or other successor to our business.

We also may disclose personal information to third parties with your consent or at your direction.

Because no consensus has emerged on how to process a web browser’s “do not track” signal, we do not currently take any action in response to the signal. We also do not process the Global Privacy Control signal and do not presently fall within the scope of any legal requirement to do so.

3. Security, quality, and retention

We use reasonable administrative, technical, and physical safeguards to protect personal information in our possession from misuse, interference, loss, unauthorized access, unauthorized modification, or unauthorized disclosure. Nevertheless, you should understand that no data storage system or transmission of data over the internet or any other public network can be guaranteed to be completely secure, accurate, complete, or current.

We also take reasonable steps to ensure that the personal information we collect is sufficiently accurate, up-to-date, and complete for the purposes for which we process or disclose the personal information.

We retain personal information for as long as necessary for the purposes for which we use it, or longer if required by law. What is necessary depends on the context and purpose of processing. We generally consider the following factors when we determine how long to retain personal information:

  • retention periods established under applicable law;
  • industry best practices;
  • whether the purpose of processing is reasonably likely to justify further processing;
  • risks to individual privacy in continued processing;
  • applicable data protection impact assessment;
  • information systems design considerations/limitations; and
  • costs associated with continued processing, retention, and deletion.

4. International users

If you use our Services from outside the United States, please be aware that your personal information will be stored and processed in the United States, where our servers are located. If we transfer personal information to the United States from another jurisdiction, we will do so in a way that complies with any applicable legal requirements.

5. Children’s privacy

Our Services are not directed to children, and we do not knowingly collect any personal information from those under the age of 18. If we discover (or are informed) that we have collected personal information from a visitor under the age of 18, we will promptly delete such information.

6. Your privacy rights

Depending on the law in the State where you live, you may have certain rights regarding your personal information. To exercise your rights, please submit a request by contacting us through any of the means outlined below.

Your rights may include the following:

  • the right to opt-out of the use of personal information for targeted advertising, personal information sales, or profiling resulting in significant consequences (note, however, that we do not process personal information for any of these purposes);
  • the right to confirm whether we process your personal information and to access a copy (from which we may, for security purposes, exclude certain personal information), including a copy that is in a portable data format;
  • the right to the correction of inaccurate personal information;
  • the right to the deletion of your personal information; and
  • the right to appeal the action we take in response to any request to exercise these rights.

Only you, or someone legally authorized to act on your behalf, may make a request related to your personal information. We will verify that any requests from persons other than you have your legal authorization. You may also make a request on behalf of your child.

Your request must:

  • Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or a legally authorized representative; and
  • Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

You may also appeal the decision we make on your request by using the contact information below. When you contact us to appeal, please tell us why you believe we erred in responding to your request. We will respond to your appeal in accordance with the timelines set forth in applicable law.

7. Contacting Us

To exercise your rights or for other privacy-related inquiries, please contact us at:

 

Terms of service

These Terms of Service include a number of important provisions that affect your rights and responsibilities. These include the binding arbitration provision in section 12, limits on our liability to you in section 8, and your agreement to pay for damages caused by your misuse of our Services as set forth in section 9. Section 7 of these Terms of Service also set forth important restrictions on how you can use our websites and other “Services,” as defined below.

SECTION 1 – GENERAL TERMS

These Terms of Service apply to the use of the information services (“Services”) of 501(c) Services (“Company”). These services include our websites as well as any other information service that links to these Terms of Service. The terms “we,” “us,” and “our” refer to the Company. Please read these Terms of Service carefully before accessing or using our Services.

By using the Services, you warrant and represent that you have the capacity to form a binding contract with us because  you are at least the age of majority in the legal jurisdiction in which you reside or  you have been granted such capacity by court order, operation of law, or other legal act. By visiting and using our Services, you also warrant and represent that you meet all of the foregoing eligibility requirements and agree to be bound by these terms and conditions. If you do not agree to all the terms and conditions of this agreement, then you may not access the Services. These Terms of Service are an offer, and acceptance is expressly limited to these Terms of Service.

We may revise and update these Terms of Service from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all use of the Services thereafter. It is your responsibility to check this page periodically for changes and you agree that your continued use of or access to the Services following the posting of any changes constitutes acceptance of those changes.

In our exclusive discretion, a breach or violation of any of these Terms of Service may result in an immediate termination or suspension of your access to any or all of the Services. Additionally, we reserve the right to refuse access to the Services to anyone for any lawful reason at any time.

We reserve the right at any time to modify or discontinue the Services (or any part or content thereof). You agree that we shall not be liable to you or to any third party for any modification, price change, suspension, or discontinuance of the Services. You also agree to cease using our Services, or any portion thereof, upon our request.

You understand and agree that your communications with the Services may involve unencrypted transmissions over public networks.

SECTION 2 – ACCURACY, COMPLETENESS, AND TIMELINESS OF INFORMATION

The information presented on or through the Services is made available solely for general information purposes. We do not warrant its accuracy, completeness, usefulness, or suitability for any purpose. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Service, or by anyone who may be informed of any of its contents.

Occasionally, our Services may contain typographical errors, inaccuracies, or omissions relating to product descriptions, pricing, promotions, offers, product shipping charges, transit times, or availability. You agree that we may correct any errors, inaccuracies, or omissions, and change or update information or cancel orders if any information in the Services is inaccurate at any time without prior notice (including after you have submitted your order).

The Services may include content provided by third parties, including materials provided by other users. Such content and materials are solely the opinions and the responsibility of the person or entity providing them. These materials do not necessarily reflect our opinion. We are not responsible or liable to you, or any third party, for the content or accuracy of any such content and materials.

SECTION 3 – OWNERSHIP AND INTELLECTUAL PROPERTY

By using our Services, you do not acquire any ownership interest in the Services or their content. All content, including any trademarks, included in the Services is and shall continue to be the property of the Company or its licensors and shall remain protected under applicable copyright, patent, trademark, and other proprietary rights. Any copying, redistribution, use, or publication by you of any such content or any part of the Services is prohibited, except as expressly permitted in this Agreement. The Company grants you a limited, revocable, non-exclusive license to use the Services and the content therein. However, this license may not be used for republication, distribution, assignment, sublicense, sale, or preparation of derivative works.

SECTION 4 – THIRD-PARTY TOOLS AND LINKS

We may provide you with access to third-party tools and materials over which we neither monitor, nor have any control, nor input. You acknowledge and agree that we provide access to such tools “as is” and “as available” without any warranties, representations, or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools. You agree that your use of optional tools in the Services is entirely at your own risk. We recommend that you familiarize yourself with and approve of the terms on which tools are provided by the relevant third-party providers.

Moreover, links in the Services may direct you to third-party websites that are not affiliated with us. We are not responsible for their content or accuracy. By using such third-party websites, you agree that we will not be liable for consequences of such use. Please carefully review third parties’ policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third party.

SECTION 5 – POSTS, FEEDBACK, IDEAS, AND OTHER SUBMISSIONS

If you submit creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, “Comments”), you hereby grant us a perpetual, worldwide, non-exclusive, royalty-free, transferrable, and fully sub-licensable license to such Comments. You also agree that we may, at any time, use Comments in any medium. You agree that we shall have no obligation  to maintain any Comments in confidence;  to pay compensation for any Comments; or  to respond to any Comments. You warrant and represent that your Comments will not violate any right of any third party, including copyright, trademark, privacy, personality, or other personal or proprietary right. You further agree that your Comments will not contain libelous or otherwise unlawful, abusive, or obscene material, or contain any computer virus or other malware that could, in any way, affect the operation of the Services. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third parties as to the origin of any Comments. You also agree that we may remove your Comments from our Services for any reason or for no reason.

SECTION 6 – PRIVACY AND PERSONAL INFORMATION

We respect your privacy and are committed to giving you the information you need to understand how to protect it. Our Privacy Policy describes our processing of personal information in connection with the Services, the rights you may have with regard to your personal information, and how to exercise those rights. We update the Privacy Policy from time to time as our personal information processing practices and applicable laws change. We encourage you to review it regularly. Please note that our Services incorporate third-party technologies to facilitate website analytics. The personal information we collect as you use our Services may be shared with the providers of these technologies. These technologies involve the recording of conversations and other interactions you have with our Services. The data we share with these providers may include these recordings. By using our Services, you consent to this data sharing.

SECTION 7 – PROHIBITED USES

You agree you will not use our Services for any illegal or unauthorized purpose, nor may you violate any applicable laws, particularly including intellectual property laws, in your use of the Services. You also agree not to transmit any malicious or destructive code, such as worms or viruses.

In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the Services or their content: (1) for any unlawful purpose; (2) to solicit others to perform or participate in any unlawful acts or conduct prohibited herein; (3) to violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances; (4) to infringe or violate our intellectual property rights or the intellectual property rights of others; (5) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, disability, or any other legally protected status or characteristic; (6) to submit false or misleading information, misrepresent your identity or organizational affiliation, or imply that we have approved or endorsed you or any content you post to the services; (7) to collect the personal information of others or to send advertisements, bulk messages, or solicitations to other users of the Services; (8) to spam, phish, pharm, pretext, spider, crawl, or scrape; (9) for any obscene or immoral purpose; (10) in any manner intended to interfere with or circumvent the security features of the Services, other websites, or other services or devices on the Internet; (11) to disseminate or transmit unsolicited messages; (12) to reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code, underlying ideas, underlying user interface techniques, or algorithms used by or within the Services; (13) to create a false identity or otherwise attempt to mislead the Company or any person as to the identity or origin of any communication; (14) using another person’s username or password; (15) to buy, sell, or trade in usernames or other unique identifiers for use of the Services; (16) to incorporate the Services or their content into other websites or applications using frames or comparable techniques, (17) to remove any marks showing proprietary ownership from content you download from the Services; or (18) to use the Services in such a way that is intended or likely to strain the information services that deliver the Services.

SECTION 8 – LIMITATION OF LIABILITY AND DISCLAIMER OF WARRANTIES

We do not guarantee, represent, or warrant that your use of our Services will be uninterrupted, timely, secure, or error-free. You agree that we may interrupt the Services or cancel the Services at any time, without notice to you. You agree that your use of, or inability to use, the Services is at your sole risk. The Services are (unless otherwise expressly stated by us) provided “as is” and “as available” for your use, without any representation, warranties, or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.

In no case shall we (including our directors, officers, employees, members, affiliates, agents, contractors, interns, suppliers, service providers, and licensors) be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the Services or any products procured using the Services, or for any other claim related in any way to your use of the Services. This limit shall apply even if we have been advised of the possibility of such injuries, losses, or claims. We shall have no liability for  any injury, loss, or claim for any interruption, suspension, or disruption of the Services;  any errors or inaccuracies in the content available from the Services;  personal injury or property damages resulting from your use of the Services or the data contained therein; or  malware which may be transmitted using the Services by a third party. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the fullest extent permitted by law.

We shall not be liable for failure to perform occasioned by an event outside of our reasonable control (a “Force Majeure” event). These events include: strikes, lockouts, labor difficulties, riots, inability or difficulty in obtaining or procuring supplies, labor, or transportation, fires, storms, floods, earthquakes, explosions, pandemics, accidents, acts of God, interference by civil or military authorities, whether legal or de facto, acts of the public enemy, war, rebellion, insurrection, sabotage, embargoes, trade wars, or orders given by public authority.

SECTION 9 – INDEMNIFICATION

You agree to indemnify, defend, and hold us harmless, along with our parents, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns, and employees, from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your breach of these Terms of Service (including the documents they incorporate by reference), or your violation of any law or the rights of any third party.

SECTION 10 – SEVERABILITY

In the event that any provision of these Terms of Service is determined to be unlawful, void, or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law. Any unenforceable portion shall be deemed to be severed from these Terms of Service without affecting the validity and enforceability of any other remaining provisions.

SECTION 11 – ENTIRE AGREEMENT

If you are a Subscriber to our HR Program subject to a HR Services Subscription Agreement with us, that Agreement shall supplement these Terms of Service. To the extent the HR Services Subscription Agreement conflicts with these Terms of Service, that Agreement shall supersede these Terms of Service, but only with respect to your use of HR Program described therein. Otherwise, these Terms of Service, including any materials incorporated by reference, constitute the entire agreement between us. These Terms of Service supersede any prior or contemporaneous agreements, communications, and proposals, whether oral or written, between us (including, but not limited to, any prior versions of the Terms of Service). Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party. Our failure to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.

SECTION 12 – ARBITRATION, GOVERNING LAW, AND DISPUTE RESOLUTION

These Terms of Service and any dispute between us, except to the extent such dispute is governed under another agreement between you and us, shall be governed by and construed in accordance with the laws of the State of California without applying California’s choice-of-law rules.

You agree that any claim against us or dispute with us shall be resolved in binding arbitration conducted before a single arbitrator under the American Arbitration Association’s Commercial Arbitration Rules and Supplementary Procedures for Consumer Related Disputes. Such arbitration shall be conducted in Santa Clara, California. The arbitrator shall allow parties and witnesses to participate via video conference or other remote attendance technologies, unless doing so would substantially prejudice the rights of a party. You agree that the arbitrator’s award may be entered in any court of competent jurisdiction.  You understand that this provision means that you will not be entitled to a jury trial in any dispute with us.

You also agree that any dispute between us shall be resolved only on an individual basis and that you (and we) waive any right to bring a claim on a class-action or representative basis or to have a claim brought in such a way by any other person or party and  that any dispute between us must be filed for arbitration consistent with the requirements of this section within one year of accrual or be permanently barred. You and we also agree that, to the maximum extent permitted by law, neither you nor we shall be entitled to recover any punitive or exemplary damages, regardless of the nature of the dispute between us.

SECTION 13 – CONTACT INFORMATION

Questions about the Terms of Service may be sent to us at:

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