Swilling Underwriters (the “Company”) has created this privacy statement to demonstrate the company's commitment to privacy show our commitment to promoting and protecting the privacy rights of individuals, as enumerated by state and federal laws.
The Company adheres to the following principles in connection with our information gathering and dissemination practices.
ACCEPTANCE OF TERMS
EMAIL MESSAGES SENT AND RECEIVED
Swilling Underwriters is pleased to communicate with you by email. However, if you communicate with us by email, please remember that Internet E-Mail may not be secure and you should avoid sending sensitive or confidential Internet email messages unless they are adequately encrypted. If you send anyone at the Company an e-mail that includes personal information, normally we will use the information provided only to respond to your message and for no other purposes. Sometimes we may forward your e-mail to a different company that may be better able to help you. Please note, communications you send to the Company are not confidential or protected by any professional privilege or relationship. And, if you send us a threat or message that describes or promotes unlawful activity, Swilling Underwriters reserves the right to share such threat or message with law enforcement authorities.
COLLECTION OF PERSONAL INFORMATION
Swilling Underwriters collects personal information on individuals only as allowed by law. The Company limits the collection of personal information to what is relevant and necessary to accomplish a lawful purpose of the Company. For example, the Company may need to know an individual’s home address, e-mail address, or telephone number, in order to answer the individual’s questions or in order to provide requested assistance. Personal information, as defined in the Information Practices Act, includes information that identifies or describes an individual including, name, Social Security number, physical description, home address, home telephone number, education, financial matters, and medical or employment history.
The Company does not collect home, business or e-mail addresses, or account information from persons who simply browse the Company’s Internet Websites. Swilling Underwriters collects personal information about individuals through the Company’s Website only if an individual provides such information to the Company voluntarily through e-mail, registration forms, or surveys.
COLLECTION OF NON-PERSONAL INFORMATION
We may use your IP address to help diagnose problems with the server, and to administer the Website. Your IP address may also be used to gather broad demographic information, and to generate user statistics. You may choose to contact@SwillingUnderwriters.com a question to us and supply us with your name, address, phone number, fax number, email and company name. This information is used to respond to your questions about our services, and this site.
If you provide us with your E-Mail address, we may send you periodic updates via e-mail. We provide users the opportunity to opt-out of receiving email from us at any time. You may also choose to update your email subscription information at any time. To do so, simply follow the simple instructions contained in any email sent from our site.
The information that Swilling Underwriters automatically collects includes items such as:
Swilling Underwriters makes every attempt to avoid the use of “cookies,” the simple text files stored on your computer by your Web browser. Cookies may be used on our site when needed to maintain the functionality of an interactive application and is used only during the session in which you access the interactive application. The cookie feature is used only to store a randomly generated identifying temporary tag on your computer. You can refuse the cookie or delete the cookie file from your computer by using any of the widely available methods. However, if you turn off your cookie option, you may not be able to access some of the features in our interactive applications. Cookies created on your computer by using this Website do not contain personal information and do not compromise your privacy or security.
SOCIAL MEDIA WIDGETS
GENERAL USES OF INFORMATION SUBMITTED
Swilling Underwriters endeavors in each instance to tell people who provide personal information to the Company the purpose for which the information is collected. The Company strives to tell persons, who are asked to provide personal information, about the general uses that Company will make of that information. The Company does this at the time of collection. With each request for personal information, Swilling Underwriters provides information on the authority under which the request is made, the principal uses the Company intends to make of the information, and the possible disclosures the Company is obligated to make .
The Company allows individuals, who provide personal information, to review the information and contest its accuracy or completeness.
PERSONAL INFORMATION COLLECTED
Swilling Underwriters uses personal information only for the specified purposes, or purposes consistent with those purposes, unless the Company obtains the consent of the subject of the information, or unless required or allowed by law or regulation. Some pages provide you with an opportunity to order products, make requests, and register to receive materials and/or services. This information is used only by the Company and is not passed on to third-party providers, but a copy of this material is maintained by the Company's marketing administrator, solely for use by Swilling Underwriters . The types of personal information collected on these pages may include:
If you submitted a form on the Website, all information submitted the form will be collected.
Swilling Underwriters uses information security safeguards. Regarding the personal information of individuals collected or maintained by the Company, the Company takes reasonable precautions to protect such information against loss, unauthorized access, and illegal use or disclosure. The Company uses Secure Socket Layer (SSL) encryption software to protect the security of individuals’ personal information during transmission of such information through the Website forms. Such personal information is stored by the Company in secure locations. The Company’s staff is trained on procedures for the management of personal information, including limitations on the release of information. Access to personal information is limited to those members of the Company’s staff whose work requires such access. Confidential information is destroyed according to the Company’s records retention schedule. Swilling Underwriters conducts periodic reviews to ensure that proper information management policies and procedures are understood and followed.
THIRD PARTY DISCLOSURE
Swilling Underwriters may be required to disclose information to law enforcement, government officials, or other third parties when
THIRD PARTY LINKS
Portions of this Website may contain links to other resources on the Internet, these links are offered only for use at your own discretion. Those links are provided merely to help you identify and locate other Internet resources that may be of interest, and are not intended to state or imply that Swilling Underwriters sponsors, is affiliated or associated with, or is legally authorized to use any trade name, registered trademark, logo, legal or official seal, or copyrighted symbol that may be reflected in the links. The Company is not responsible for the privacy practices or the content of such Websites. You should review the privacy or security disclosures on each third-party site for further information.
The Company does not endorse, and is not responsible for, the product, service, or overall Website content available on third-party sites. Swilling Underwriters does not represent you or the third-party site in any transaction you enter into with the third-party.
Swilling Underwriters will not send you email unless it is in response to you contacting us, sending us an email, requests submitted through forms, or your request to be emailed newsletters or other similar types of messages from us. Newsletters and other such emails from us that you requested to receive will contain a link and/or instructions on how you can stop receiving these emails should you decide that you no longer wish to receive them. We do not spam and we do not solicit; if you receive such a type of message, it did not come from us at swillingunderwriters.com. The Company will not give, sell, or otherwise transfer addresses maintained by us to any other party for the purposes of initiating, or enabling others to initiate, electronic mail messages.
NO SPAM EMAIL HARVESTING
Swilling Underwriters provides email addresses, forms and other means on this site for the purposes of communication from and with our clients/consumers. The email addresses provide on this website is intended for the contact of people inquiring about the aspects of The Company- only. we do not provide these email addresses and methods for others to spam or solicit us, and doing so is a violation of the law. Therefore, contact from solicitors, Search Engine Optimization SEO companies, Search Engine Marketing Companies SEM, email marketing companies and web development companies is prohibited.
Visitors agree that harvesting, gathering, storing, transferring to a third party or sending any message(s) to the identifier constitutes an acceptance and subsequent breach of these terms of service. Copyrights all content included on the website, as well as the compilation of that content into one, coherent website, is the property of Swilling Underwriters and protected by United States and international copyright laws. Reproduction of the content of the Website without the written permission Swilling Underwriters is prohibited.
SPECIAL LICENSE RESTRICTIONS FOR NON-HUMAN VISITORS
Special restrictions on a visitor's license to access the Website apply to Non-Human Visitors. Non-Human Visitors include, but are not limited to, Spiders and Spider Masters. "Spiders" include, but are not limited to, web spiders, bots, indexers, robots, crawlers, harvesters, or any other computer programs designed to access, read, compile or gather content from the Website automatically. Spider Masters include, but are limited to, any individual directing, authoring, running, hosting, controlling or otherwise utilizing Spiders to access, read, compile or gather content from the Website. Such Non-Human Visitors are restricted from taxing the resources of the Website beyond what would be typical of a human visitor.
In consideration for access to the Website, Non-Human Visitors agree to read and observe the restrictions as set forth in the robots.txt file included at the root level of the Website. Those restrictions on Non-Human Visitors set forth in the robots.txt file shall be considered a part of the Terms of Service. The robots.txt file specifies restrictions to the directories Non-Human Visitors may access. Non-Human Visitors accessing directories beyond what is allowed by the robots.txt file is recognized by the parties to this agreement as a breach of the Terms of Service by the offending Non-Human Visitor. Furthermore, as specified by the "no-email-collection" flag in the header of every web page and the robots.txt file, email addresses on this site are considered proprietary intellectual property of the author of the Website. It is recognized that these email addresses are provided for human visitors alone, and have value in part because they are accessible only to said human visitors. You further acknowledge and agree by accessing the Website that each email address the Website contains has a value not less than $50 each derived from their relative secrecy. The compilation, storage, and potential distribution of these addresses by Non-Human Visitors substantially diminish the value of these addresses. Intentional collection, harvesting, gathering, or storing email addresses by Non-Human Visitors is recognized under this agreement as a violation of this agreement and expressly prohibited.
PERSONAL COMPUTER SECURITY
In general, Swilling Underwriters encourages all individuals to use appropriate safeguards to secure their computers and the information on those computers including, installing a firewall, use of anti-virus software, use of anti-spyware software, manage your system and browser to protect your privacy and secure your wireless network.