GayInsurance.com values the users of our website (hereafter known as the "Website"). Your privacy and trust are of the utmost importance to us. We recognize that you may be concerned about our collection, use and disclosure of your personal information that we collect when you use the Website and the services offered on the Website.

This Privacy Policy describes the information that we collect from you, how we collect this information and what we do with it after we collect it. By using the Website, you are accepting the practices described in this Privacy Policy.

It may be necessary to make changes to the Privacy Policy from time to time. We will notify you of any changes by sending you an email, posting a notice on the Website and/or posting a notice in your account when you first login after we have made changes. If you receive notification of a change in our Privacy Policy, you must review the new Privacy Policy carefully to make sure you understand our practices and procedures. You may not be able to receive notices from us if your cookies are not set to be accepted or are disabled.

Personal Information - We collect personal information that you provide to us, such as your name, mailing address, phone number, email address and financial information.

Non-Personal Information - We may also collect non-personal information from you, such as your browser type, your ISP, operating system, and your Internet protocol (IP) Address ("Non-Personal Information"). Non-Personal Information cannot be easily used to personally identify you and will help us to tailor future updates to our Website to benefit the majority of our clients.

Providing Information to Us - We collect personal information from you when you provide it to us. For example, if you are interest in or purchase a policy, we may collect your name, mailing address, telephone number and e-mail address. If you create a Client Account, we may also collect your name, mailing address, email address, and other information that we request during the registration process.  If you sign up to receive our newsletter, we will collect your e-mail address.

Communications With Us - If you communicate with us regarding the Website, we will collect any information that you provide to us during our communication.

Analytic and Reporting Technologies - Like the operators of most websites, we use analytic and reporting technologies to record non-personal information such as Internet domain and host names, Internet protocol (IP) addresses, browser software, operating system types and the dates and times that they are accessed.

Disclosure to Unaffiliated Third Parties - We never release any personal information about you to any other third party agency or person(s).  The only way that we will release any personal information about you is under direct, official subpoena or order from an official United States court or lawful authority within legal parameters.

A cookie is a small file placed on the hard drive of your computer. Most websites use cookies. We use cookies to track your use of the Website, provide you with a more personalized user experience and to allow you to login and begin use of the GayInsurance.com automatically when you visit the Website.

Cookies may used by GayInsurance.com and are not linked to personal information. This Privacy Policy covers the use of cookies by GayInsurance.com.

Personal Information - Whenever we obtain your personal information, we use commercially reasonable efforts to protect it from unauthorized access or disclosure. However, we are not insurers of the security of your personal information. Accordingly, we assume no liability for any disclosure of data due to errors in transmission, unauthorized third party access or other acts of third parties, or acts or omissions beyond our reasonable control.

You can obtain a copy of and request that we correct errors in your personal information by emailing us at Paul@gayinsurance.com.  For your protection, you will be required to provide proof of your identity to obtain a copy of your personal information. If your personal information changes or if you no longer want to use GayInsurance.com, you may correct, update or deactivate your personal information and/or your account by contacting our personnel.   You may be contacting by GayInsurance.com to verify that you want specific changes made; this is for your protection.  We may contact you via telephone, U.S. mail or e-mail.

You may be able to access third party websites directly from the Website. This Privacy Policy does not apply when you access third party websites. We cannot control how third parties may use personal information you disclose to them, so you should carefully review the privacy policy of any third party website you visit before using it or disclosing your personal information to its provider.

We provide you the opportunity to opt-out of having your personal information used for certain purposes. For example, if you purchase a policy but do not wish to receive any additional marketing material from us, you can indicate your preference through your online account with GayInsurance.com or by contacting us directly.

If you no longer wish to receive our newsletters and promotional communications, you may opt-out of receiving them by following the instructions included in each newsletter or communication or by emailing us at Paul@gayinsurance.com.  

If we disclose your personal information to a third party in a manner that is not set forth in this Privacy Policy, you will be notified so that you can make an informed choice about sharing your personal information with that third party.