Effective January 1, 2024
This privacy policy (“Privacy Policy”) generally describes the information ElmSure LLC (“we” or “us” or “ElmSure”) collects when you use or access its website and any of its platforms, products or services (collectively, the “Services”). It also explains how we use and share the information and what steps we take to protect it.
By visiting and using the ElmSure’s website or using its Services, you consent to our collection and use of your personal information as described in this Privacy Policy. Please read this Privacy Policy in its entirety. We reserve the right to modify, alter, or otherwise update this Privacy Policy at any time to address changing legal obligations, technologies, business practices and our Users’ needs, and we encourage you to check back periodically so that you are always aware of the most current policies and practices that ElmSure has in place to protect your personally identifiable information.
Please also review the (herein contained) Terms & Conditions that govern your use of our Services.
ElmSure complies with all applicable federal and state privacy laws and regulations.
We use the information we collect to provide, maintain, protect, optimize and improve our Services, and to enhance your user experience. We may also use the information we collect in the following ways:
We use the information you provide to update your account(s), process or service requested or authorized transactions, secure quotations for insurance, obtain insurance coverage or report or process claims.
ElmSure may also use your information to develop new Services, conduct research and to create anonymous or aggregated reporting for its own use.
ElmSure may use your information to offer our products or Services to you.
It may be necessary to provide information collected from you to respond to subpoenas, other discovery requests, legal investigations, court orders or to otherwise comply with the law. We may share information pursuant to a governmental agency or investigatory body request. ElmSure may be required to disclose an individual’s personal information in response to a lawful request by public authorities, including to meet national security or law enforcement requirements.
ElmSure does not share, sell, rent or otherwise distribute your personal information except:
We may share your personal information with other companies and individuals to perform functions or services for us or on our behalf, such as hosting this Site, sending email messages, and making phone calls. These parties are contractually or otherwise restricted from using any personal information for purposes other than providing services for ElmSure or on our behalf.
See Section 2 above. Additionally, ElmSure also reserves the right to disclose or use information if it has a good faith belief that such action is necessary to: (a) protect and defend the rights, property, or liability of ElmSure or its affiliates, other users of this platform, or the public; (b) enforce the Terms and Conditions; (c) respond to claims that any content violates the rights of third-parties; (d) respond to claims of suspected or actual illegal activity; (e) detect, address or prevent fraud, security or technical issues; or (f) respond to an audit.
We may disclose personal and other sensitive information, as necessary, in providing our products and services. In order to sell, solicit, and negotiate insurance, we may disclose your information to insurers, reinsurers, insurance intermediaries, brokers, underwriters, insurance reference bureaus, medical service providers, fraud detection agencies, our advisers, loss adjusters, lawyers, accountants, and others involved in the insurance sales and claims handling process.
We may disclose personal and other sensitive information after receiving your consent for such disclosure. Such consent may be provided via written, electronic, or verbal means, subject to ElmSure’s ability to reasonably validate your identity and determine the authenticity of such request.
Secure Internet Connectivity. ElmSure protects your personal/private information through the use of encryption technology. We use industry standard security protocol (Secure Sockets Layer or “SSL”) to ensure that the connection between your browser and our server remains protected.
Unfortunately, no data transmitted over the Internet or data storage system can be guaranteed 100% secure. If you believe your connection with us is no longer secure for any reason, please notify us immediately.
Information Security. Personal information and user-specific settings and preferences are stored using commercially standard database and website security software. User passwords and other sensitive User information are saved in encrypted form to prevent unauthorized access or disclosure and accidental loss, alteration, or destruction.
Evaluation of Information Protection Practices. Periodically, our operations and business practices are reviewed for compliance with corporate policies and procedures governing the security, confidentiality, and quality of our information.
Employee Access, Training and Expectations. Our employees are required to protect confidential Third Party information in general as a condition of employment at ElmSure, and our business practices limit the use and disclosure of such information, including personal information, to authorized persons, processes, and transactions.
Keeping your information accurate and up to date is very important since inaccurate or incomplete information could impact our ability to deliver Services to you. Please let us know about any changes that may be required to your personal information by updating your account profile or by contacting your account manager.
Even if you are no longer our customer, we may continue to share your information as described in this Privacy Policy.
ElmSure may post links to third-party websites that are governed by their own terms and are not subject to this Privacy Policy. We do not exercise control over these third-party sites and are not responsible for the privacy practices of any third-party. We encourage you to read the privacy policies and terms of use of any third-party web sites you visit.
The Services are operated in the United States and intended for users located in the United States. If you access this Site from a location outside of the United States, your information may be transferred to the United States and you agree to such transfer. Furthermore, you acknowledge that the United States may not provide the same level of protections as the laws of your country.
The Services are not intended for anyone under the age of 18. We do not knowingly collect, use or disclose information of children under the age of 18 without the consent of their parents or legal guardians. We will delete any personal information collected that we determine to be from a user younger than the age of 18.
If you are a California Resident/Consumer, you may have certain rights with respect to your personal information under the California Consumer Privacy Act of 2018 (CCPA). For additional information on our data collection practices, your rights under the CCPA, and how to exercise those rights, you can visit our California Privacy Policy by visiting (www.elmsure.com) or clicking on the “Privacy Policy” link at the bottom of our webpages (www.elmsure.com).
ElmSure does not share or disclose your personal information to third parties for the third-parties’ direct marketing purposes. Therefore, California’s “Shine the Light” law (California Civil Code § 1798.83) does not apply to ElmSure.
This Privacy Policy may be revised at any time to reflect changes in the law or in ElmSure’s business operations. Any changes will be effective immediately upon the posting of the revised Privacy Policy. Sometimes there may be material changes to this Privacy Policy that we want to apply retroactively. If so, we will notify you and obtain your consent to the extent required by applicable law.
