Kusel Associates Insurance respects the privacy of everyone (“Sites’ visitor” “user” or “you”) that uses our www.kuselassociates.com, as well as other device or online applications related or connected thereto (collectively, the “Sites”). The following Kusel Associates Insurance Privacy Notice (“Privacy Notice”) is designed to inform you, as a user of the Sites, about the types of personal information that Kusel Associates Insurance may gather about or collect from you in connection with your use of the Sites. It also is intended to explain the conditions under which Kusel Associates Insurance uses and discloses that personal information, and your rights in relation to that personal information. The Sites are subject to U.S. state and federal law. If you are accessing our Sites from other jurisdictions, please be advised that you are transferring your personal information to us in the United States, and by using our Sites, you are agreeing to that transfer and use of your personal information in accordance with this Privacy Notice. You also agree to abide to the applicable laws of the State of New Jersey and U.S. federal law concerning your use of the Sites and your agreements with us.
Company Name: Kusel Associates Insurance
Address: 190 Moore Street Hackensack, NJ 07601
2. HOW WE COLLECT AND USE YOUR PERSONAL INFORMATION
4. DO WE SHARE YOUR PERSONAL INFORMATION?
Kusel Associates Insurance contractually prohibits its contractors, affiliates, vendors and suppliers from disclosing any personal information received from Kusel Associates Insurance, other than in accordance with this Privacy Notice. These third parties may include advertisers, providers of games, utilities, widgets and a variety of other third-party applications accessible through the Sites. Kusel Associates Insurance neither owns nor controls the third-party websites and applications accessible through the Sites. Thus, this Privacy Notice does not apply to personal information provided to or gathered by the third parties that operate them. Before visiting a third party, or using a third-party application, whether by means of a link on the Sites, directly through the Sites or otherwise, and before providing any personal information to any such third party, users should inform themselves of the privacy policies and practices (if any) of the third party responsible for those Sites or applications, and should take those steps necessary to, in those users’ discretion, protect their privacy.
We may use third-party advertising companies to serve ads when you visit the Sites.
companies may use information about your visits to the Sites that are contained in Cookies in order to provide advertisements about goods and services of interest to you. Using a tool created by the Network Advertising Initiative, you can opt out of several third-party ad servers’ and networks’ Cookies simultaneously. If you would like more personal information about this practice and to know your choices about not having this personal information used by these companies, please follow the following links: http://networkadvertising.org/managing/opt_out.asp, http://preferences-mgr.truste.com/, or http://www.aboutads.info/choices/.
We use Google Analytics.
We may use third-party vendors, including Google, who use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize and serve ads based on your past activity on the Sites, including Google Analytics for Display Advertising. The personal information collected may be used to, among other things, analyze and track data, determine the popularity of certain content and better understand online activity. If you do not want any personal information to be collected and used by Google Analytics, you can install an opt-out in your web browser (https://tools.google.com/dlpage/gaoptout/) and/or opt out from Google Analytics for Display Advertising or the Google Display Network by using Google’s Ads Settings (www.google.com/settings/ads).
Users can connect their accounts to their social media accounts.
We may provide you the option to connect your account on the Sites to your account on some social networking sites for the purpose of logging in, uploading personal information or enabling certain features on the Sites. When logging in using your social network credentials, we may collect the personal information you have made publicly available on the social networking site, such as your name, profile picture, cover photo, username, gender, friends network, age range, locale, friend list and any other personal information you have made public. Once connected, other users may also be able to see information about your social network, such as the size of your network and your friends, including common friends. By connecting your account on the Sites to your account on any social networking site. We will not send any of your account personal information to the connected social networking site without first disclosing that to you. Each social network may further allow you to set privacy controls around your personal information on their system, and our collection of personal information will always follow such controls and permissions. This feature is subject to continuous change and improvement by us and each social networking site involved, and therefore the available features and shared personal information are subject to change. Please visit our Privacy Notice for any updates.
The Sites may have hyperlinks to social media networks.
We may use hyperlinks on the Sites which will redirect you to a social network if you click on the respective link. However, when you click on a social plug-in, such as Facebook’s “Like” button or Twitter’s “tweet” button that particular social network’s plugin will be activated and your browser will directly connect to that provider’s servers. If you do not use these buttons none of your data will be sent to the respective social network’s plugin providers. To illustrate this further, imagine the scenario where you click on the Facebook’s “Like” button on the Sites. Facebook will receive your IP address, the browser version and screen resolution, and the operating system of the device you have used to access the Sites. Settings regarding privacy protection can be found on the websites of these social networks and are not within our control.
We use third-party service providers on the Sites.
We may share your personal information, which may include your name and contact information (including email address) with our authorized service providers that perform certain services on our behalf. These services may include fulfilling orders, providing customer service and marketing assistance, performing business and sales analysis, supporting the Sites’ functionality and supporting contests, sweepstakes, surveys and other features offered through the Sites. We may also share your name, contact personal information and credit card personal information with our authorized service providers who process credit card payments. These service providers may have access to personal information needed to perform their functions but are not permitted to share or use such personal information for any other purpose. You can contact us to receive our current list of providers.
We may send marketing emails to users.
If you have opted in to receiving marketing communication from us then Kusel Associates Insurance may provide your personal information to third parties, with your consent, so that those third parties may directly contact you about additional products and services. To cease having your personal information used for marketing communication purposes, you can: Email us at: firstname.lastname@example.org
We take the security of your personal information seriously and use reasonable electronic, personnel and physical measures to protect it from loss, theft, alteration or misuse. However, please be advised that even the best security measures cannot fully eliminate all risks. We cannot guarantee that only authorized persons will view your personal information. We are not responsible for third-party circumvention of any privacy settings or security measures. We are dedicated to protect all personal information on the Sites as is necessary. However, you are responsible for maintaining the confidentiality of your personal information by keeping your password and computer/mobile device access confidential. If you have an account with Kusel Associates Insurance and believe someone has gained unauthorized access to it or your account please change your password as soon as possible. If you lose control of your account, you should notify us immediately.
6. PRIVACY RIGHTS – EU USERS
If you reside in the European Union (EU), United Kingdom (UK), Switzerland, Norway, Lichtenstein, or Iceland, you have certain data protection rights under your local laws. These rights may include:
The right to request access and obtain a copy of your personal information
The right to request edits or erasure of your personal information
The right to limit the processing of your personal information
Data portability right (if applicable)
The right to object to the processing of your personal information
If Kusel Associates Insurance relies on your consent to process your personal information, you have the right to withdraw your consent at any time. However, please note that this will not alter the validity of the processing before its withdrawal. If you wish to exercise any of the mentioned rights please contact us by: (Check all that apply) Email at: email@example.com or by referring to the contact details at the bottom of this Privacy Notice. Kusel Associates Insurance has 30 days to respond to your request. If you are not satisfied with Kusel Associates Insurance‘s handling of your privacy concerns please note that you have the right to complain to your local data protection supervisory authority. List of EU supervisory authorities: http://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.html. Switzerland supervisory authority: https://www.edoeb.admin.ch/edoeb/en/home.html. If you have any questions or comments about your privacy rights, you may email us at: firstname.lastname@example.org.
The Children’s Online Privacy Protection Act (“COPPA”) protects the online privacy of children under 13 years of age. We do not knowingly collect or maintain personal information from anyone under the age of 13, unless or except as permitted by law. Any person who provides personal information through the Sites represents to us that he or she is 13 years of age or older. If we learn that personal information has been collected from a user under 13 years of age on or through the Sites, then we will take the appropriate steps to cause this personal information to be deleted. If you are the parent or legal guardian of a child under 13 who has become a member of the Sites or has otherwise transferred personal information to the Sites, please contact Kusel Associates Insurance using our contact personal information below to have that child’s account terminated and personal information deleted.
8. DO-NOT-TRACK NOTICE
Most web browsers and some mobile operating systems include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. Because there is not yet a common understanding of how to interpret the DNT signal, the Sites currently do not respond to DNT browser signals or mechanisms.
9. GOVERNING LAW
10. PRIVACY NOTICE CHANGES
Kusel Associates Insurance may, in its sole discretion, change this Privacy Notice from time to time. Any and all changes to Kusel Associates Insurance’s Privacy Notice will be reflected on this page and the date of the new version will be stated at the top of this Privacy Notice. Unless stated otherwise, our current Privacy Notice applies to all personal information that we have about you and your account. Users should regularly check this page for any changes to this Privacy Notice. Kusel Associates Insurance will always post new versions of the Privacy Notice on the Sites. However, Kusel Associates Insurance may, as determined in its discretion, decide to notify users of changes made to this Privacy Notice via email or otherwise. Accordingly, it is important that users always maintain and update their contact personal information.
If you have any questions regarding our Privacy Notice, please contact us at: