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Privacy Policies and Practices
 

Global Insurance Group has always been committed to ensuring the privacy and confidentiality of the information it receives. Recently, Congress enacted the Financial Services Modernization Act, which requires that certain companies, including insurance agencies, inform their customers how personal information is collected or disclosed.

To assist in underwriting and servicing your business with us, we may obtain non-public personal information, It could be information we receive from you verbally or from emails, on applications or forms, such as name, address, phone and fax numbers, email address, Social Security number, drivers license number, assets, income, medical information, etc. We’ll get information from your transactions with us, as well as your current and past insurance companies such as payment history, account balance, claims information, coverages, and premiums, etc. We may obtain information from third parties or consumer reporting agencies such as motor vehicle report, insurance score, credit history, etc. in addition, for life, annuity, disability and health products, we may obtain your medical history with your permission. The nature and extent of the information we obtain varies based on the nature of the products and services you receive.

 



We do not disclose any non-public personal information about our customers or former customers to anyone, unless the disclosure is necessary to service your account, and is permitted by law. For example, we may disclose non-public personal information about you in the following situations: to carry out a transaction that you request; to provide information to companies who perform services on our behalf to help us administer your insurance policies and adjust claims; to comply with a validly issued and enforceable subpoena or summons.

We do not sell information about our customers.

If you only supply us with your postal address on-line you will receive the information you requested only by mail. If you supply us with your telephone numbers on-line, you may receive telephone contact from us. If you give us your email address, you may receive email from us in the future.

While we strive to protect your information, Global Insurance Group cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk.

The importance of security for all personally identifiable information associated with our guests is of utmost concern to us. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, Global Insurance Group cannot ensure or warrant the security of any information you transmit to us or from our online applications. Once we receive your transmission, we make our best effort to ensure its security on our internal systems.

This web may contain links to other web sites. Global Insurance Group is not responsible for the privacy practices or the content of such web sites. Contact the authors or webmasters at those sites for their privacy practice statement.


Email Communication

We recognize that SPAM is an ever-growing problem. We protect your email address as is if it were our own. We do not share email addresses with anyone other than your insurance company or one you’re applying to. All email addresses are stored on secure servers with multiple layers of protection. By sharing your email with us, you consent to periodic newsletters and communications from Global Insurance Group. You can always opt out of these communications by contacting us.

Jurisdiction and Enforceability

Use of this website is governed by the laws of the state of Georgia, other than laws governing conflicts of laws. The exclusive venue for the resolution of any related dispute is a court of competent jurisdiction in Dekalb County, Ga. If any part of these terms and conditions are invalidated by a court of competent jurisdiction, the invalid provision(s) are deleted and the remaining provisions are not affected and remain valid and enforceable in accordance with the express terms thereof.

Loss Prevention

Any loss prevention or hazard management advice presented in this site is intended as general information of interest to the general public for controlling or minimizing the potential for injuries to persons and property and resulting losses occurring in the home, on the road, in workplaces, business environments, and other specified circumstances or situations. In providing this information, Global Insurance Group does not warrant that all potential hazards or conditions have been evaluated or can be controlled, or that such risks or losses are covered under the insurance polices or programs described in this site. This information is not intended as an offer to insure such conditions or exposures, or to indicate that Global Insurance Group will underwrite such risks. Global Insurance Group assumes no liability for insurance contracts issued by any insurance company it represents. Any losses are subject to the specific written terms and conditions of actual insurance policies issued by these companies.

Third-Party Sites

This site may contain links to other Internet sites (“third-party sites”) that are not maintained by Global Insurance Group. These links are provided solely for your convenience. Since other sites are not under our control, we cannot guarantee the quality, accuracy, or timeliness of those sites. Global Insurance Group makes no warranties or representations about, and disclaims any responsibility for, the contents of any products or services offered in such third-party sites. Any reference to a linked site or any specific product or service by name does not constitute or imply its endorsement by Global Insurance Group. Questions about the content of those sites should be directed to their authors.

It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses, malicious codes and other items of a destructive nature. IN NO EVENT WILL THE GLOBAL INSURANCE GROUP BE LIABLE TO ANY PARTY FOR ANY LOSS OR DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES CAUSED BY USE OF THIS WEB SITE, OR ANY OTHER HYPERLINKED WEB SITE.

Products and Services

The information and descriptions of products and services contained in this site are intended as general information and do not contain all of the terms, conditions and exclusions applicable to the products and services offered by Global Insurance Group and it’s insurance companies. The precise coverage afforded is subject to the terms and conditions of the policies as issued, and may vary from the general descriptions in this site. This Web site does not amend, modify, or supplement the policies. Availability of the products and services described varies by state. Always consult the actual policy for details regarding terms, conditions, definitions, coverages, and exclusions. Contact us to discuss products, services, and programs which may be available to you.

Please note that none of the information contained in this Web site should be viewed as an offer to sell, or as a solicitation to purchase, any of our products or services. Rather, the information on our products and services is provided to you so that you can learn what products Global Insurance Group generally offers. We believe there is not one policy to fit all people and insurance should be carefully tailored to the needs of the individual, business, or other organization. While we gather information, and may even offer premium indications, personal contact with one of our professionals becomes necessary prior to an actual sale. Global Insurance Group is committed to the concept of personal service.

Warranties Disclaimers

The materials contained in this site, and in linked sites, directly or indirectly accessible from this site, are provided
WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT.
Global Insurance Group makes no claims, promises, or guarantees about the accuracy, completeness, or adequacy of the contents of this Web site, and expressly disclaims liability for errors and omissions in the contents of this Web site. No warranty of any kind, implied, expressed 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 virus, is given with respect to the contents of this Web site or its links to other Internet resources.

Reference in this Web site to any specific commercial products, processes, or services, or the use of any trade, firm, or corporation name is for the information and convenience of the public, and does not constitute endorsement, recommendation, or favoring by Global Insurance Group.

Ownership information presented on this Web site is considered public information and may be distributed or copied.

Global Insurance Group has the unlimited right to use for any purpose all information submitted to Global Insurance Group by this site except those submissions made under separate legal contract.

This Web site and the information it contains are provided as a service by Global Insurance Group. This system is monitored to ensure proper operation, to verify the functioning of applicable security features, and for comparable purposes. Anyone using this system expressly consents to such monitoring. Unauthorized attempts to modify any information stored on this system, to defeat or circumvent security features, or to use this system for other than its intended purposes are prohibited and may result in criminal prosecution.
 

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