Privacy Policy

Gibson Insurance Agency, Inc. (“Gibson,” “us” or “we”) respect your privacy and are committed to protecting it through compliance with this Privacy Policy. Gibson provides or otherwise makes available to you certain online services, including our Websites, software, software add-ins, and other online programs, as well as related products and services we may offer to you (collectively, the “Services”). This Policy discloses the privacy practices and possible uses of information that thegibsonedge.com (our “Website”) collects via the Services. This Policy also covers how personal and other information that we receive or collect about you is treated. Please read the information below to learn the following regarding your use of this Website.

You acknowledge that this Privacy Policy is designed to be read in connection with our Legal Notices, which is available at https://www.thegibsonedge.com/legal-notices, and that by accessing or using our Website, you agree to be bound by the Website’s terms and conditions, as well as this Policy.

We reserve the right to change this Privacy Policy from time to time. We may also update this Policy from time to time in our discretion. Any such updates will be posted on the Website, or you will be notified of any updates when you access or log into the Website. We may also do so by updating any privacy information on this page. Your continued use of the Website and/or Services available through this Website after such modifications will constitute your: (a) acknowledgment of the modified Policy; and (b) your agreement to abide and be bound by that Policy.

If you have any questions about this Policy, please feel free to contact us in the manner in the manner noted below.

IMPORTANT: BY USING THE WEBSITE AND/OR OFFERINGS AVAILABLE ON THIS WEBSITE, YOU GIVE YOUR CONSENT THAT ALL PERSONAL DATA THAT YOU SUBMIT MAY BE PROCESSED BY US IN THE MANNER AND FOR THE PURPOSES DESCRIBED BELOW. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, DO NOT USE THE WEBSITE.

Types of Information We Collect

We collect information about our users in various ways, including by our users’ voluntary submissions, by your utilization of the Services, and through the use of cookies and other tracking technology, as described below. We collect two types of information about our users: Personally Identifiable Information (“PII”) and Aggregate Information.

1. Personally Identifiable Information: This refers to information that lets us know the specifics of who you are, when you use the Services, such as registering for an account, completing an application, or sending us feedback, we may ask you to provide certain information about yourself.
   
   Examples of PII may include your first and last name, company names, email and fax address, social security number, postal mailing address (including city, state or province zip code), employer, job title and department, telephone and facsimile numbers, credit information about you or your company (such as accounts payable, contact information, bank references, financial statements, W-9 forms, and the like), as well as other identifying information such as IP address, user and device name and geolocation.
   
   You may choose not to provide certain of this information, by simply not entering or providing the information, but as a result, you may not be able to take advantage of some or all of our Services. Or you may withdraw your consent to use your PII at any time, by clearing or blocking cookies (as described below) or utilizing the contact information provided in the Updating and Correcting Information; Contact Information section below.
   
   We collect PII about our clients from the following sources:
   
   Information we receive on applications or other forms, such as name, address,
   
   Information about our clients’ transactions with us and our affiliates, such as claims and payment history.
   
   Information we receive from a consumer reporting firm, such as a credit bureau.
   
   We do not disclose PII to third parties, except (1) when we have your permission, (2) when the disclosure is necessary for the purpose for which the information was obtained, as disclosed herein, (3) when the third party is acting on behalf of us to provide or manage the Website or the Services, (4) when required by applicable law, or (5) where otherwise stated in this Policy. We do disclose non-public information to only the companies that our firm represents as is allowed by Section 8 (G) of Indiana Department of Insurance Rule 760 IAC 1-67.
   
   Inside the firm, we restrict access to your PII to members of the firm, and to employees of the firm who have agreed to maintain the confidentiality of our clients’ information. We train employees in the proper handling of personal information and we restrict access to this information to necessary employees only.
   
   
2. Aggregate Information. This refers to information that does not by itself identify a specific individual. We gather certain information about you based upon where you visit on our Website and what other websites may have directed you to us. This information, which is collected in a variety of different ways, is compiled and analyzed on both a personal and an aggregated basis. This information may include the Website’s Uniform Resource Locator (“URL”) that points to the website you just came from, which URL you go to after visiting our Website, what browser you are using, and your Internet Protocol (“IP”) address.

How We Collect and Use Information

We do not collect any PII about you unless you voluntarily provide it to us. However, you may be required to provide certain PII to us when you elect to use certain products or services available on the Website. These may include: (a) registering for an account on our Website; (b) completing an application; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting a form or transmitting other information by telephone or letter; or (f) submitting your credit card or other payment information when completing a credit application through our Website. When processing certain information, such as payment information with affiliated banking institutions or payment processors, we encrypt the transaction, using Secure Socket Layer (SSL) encryption technology, in order to prevent your PII from being stolen or intercepted. Additionally, your credit card information is encrypted and stored on a restricted-access database that is away from our main Website and only accessible by authorized users.

We will primarily use your PII to provide product or service offerings to you. We will also use certain forms of PII to enhance the operation of our Website, improve our internal marketing and promotional efforts, statistically analyze Website use, improve our product and service offerings, and customize our Website’s content, layout, and services. We may use PII to deliver information to you and to contact you regarding administrative notices. Finally, we may use your PII to resolve disputes, troubleshoot problems and enforce our agreements with you, including the Legal Notices and this Privacy Policy.

The technologies we use for this automatic data collection may include:

1. Cookies (or browser cookies). Cookies are small text files placed on the hard drive of your computer that are used to track user behaviors, recognize repeat users, and target advertising content. Cookies do not identify specific users, only the user’s device. Depending on how you use our Website, we may store cookies on your computer in order to collect certain aggregate data about our users and to customize certain aspects of your specific user experience. Cookies may also include more personalized information, such as your IP address, browser type, the server your computer is logged onto, the area code and zip code associated with your server, and your first name to welcome you back to our Website. We may use cookies to perform tasks such as: monitoring aggregate website usage metrics, storing and remembering your passwords (if you allow us to do so), storing account and advertising preferences that you have set, and personalizing the Services we make available to you. However, we do not use cookies to track your browsing behaviors.
   
   You may refuse to accept browser cookies by activating the appropriate settings on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
   
   
2. Other Tracking Technologies. Such technologies (such as Web Beacons and Flash Cookies) may record information such as Internet domain and host names, IP addresses, browser software and operating systems, and dates and times of use. We may also use Google Analytics to collect information regarding your behavior, demographics, and geolocation or to help us to better develop Website Content. For more information about Google Analytics, go to www.google.com/policies/privacy/partners. You can also opt out by going to http://tools.google.com/dlpage/gaoptout.

Third-Party Use of Cookies and Other Tracking Technologies

We seek to establish relationships with third-party vendors or service providers that we believe are reputable and able to adequately protect personal data. Some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based advertising or other targeted content. We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.

User Choices on Collection and Use of Information

We may, from time to time, send you email regarding new products and services that we feel may interest you. In addition, if you indicated upon registration that you are interested in receiving offers or information from us and our partners, we may occasionally call or send you direct mail about products and services that may be of interest to you. Only Gibson (or agents working on behalf of Gibson and under confidentiality agreements) will send you these solicitations, and only if you have previously indicated that you wish to receive them. If you do not want to receive solicitations from us, you can “opt-out” by accessing your account online editing your account information to no longer receive such offers and mailings.

You also have choices with respect to cookies, as described above. By modifying your browser preferences, you have the choice to accept all cookies, to be notified when a cookie is set, or to reject all cookies. If you choose to reject all cookies some parts of our Website may not work properly in your case. California residents may have additional personal information rights and choices. Gibson does not collect PII on California residents.

Disclosure of Your Information

We may disclose Aggregated Information about our users without restriction. We may disclose PII that we collect or you provide as described in this policy:

• To our subsidiaries and affiliates.
• To contractors, service providers, and other third parties we use to support our business.
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of the Gibson’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by the Gibson about our Website users is among the assets transferred.
• To third parties to market their products or services to you if you have not opted out of these disclosures. For more information on opting out of disclosures, see User Choices on Collection and Use of Information.
• To fulfill the purpose for which you provide it.
• For any other purpose disclosed by us when you provide the information.
• With your consent.

We may also disclose your PII:

• To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Gibson, our clients, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Updating and Correcting Information; Contact Information

We believe you should have the ability to access and edit the PII that you have provided to us. Some portions of the Services may also enable you to access and update your PII by visiting a specific web page or similar functionality within the Service. On those pages, you may be able to update your information, as well as manage your email preferences. If you wish to access or update your PII and are not able to do so through the Services or on this Website, please contact us, as indicated in the Updating and Correcting Information; Contact Information section below. If you have any questions, concerns or inquiries about your Privacy Policy, our use of your PII, or our privacy practices, you can reach us at:

Gibson Insurance Agency, Inc.
202 S. Michigan St. #1400
South Bend, Indiana, 46601
Attn: Becky Beckman, Director of Marketing
Email: bbeckman@thegibsonedge.com

Please include your name, address, and/or email address when you contact us.

We encourage you to promptly update your PII if it changes. You may ask to have the information on your account deleted or removed; however, some information, such as past transactions, logs of technical support calls, or other information may not be deleted. In addition, it may be impossible to completely delete your information without some residual information because of backups.

Security of Your PII

At our Website you can be assured that we take the protection of your PII seriously. We employ measures to protect your PII against loss or theft, as well as unauthorized access, disclosure, copying, use, modification or destruction thereof utilizing security measures, including physical, organization and technological measures consistent with current industry standards. For example:

• We work hard to ensure that the data we collect is reliable, accurate, complete and current. We encrypt all PII, in order to prevent unauthorized parties from viewing such information when it is transmitted to us. We also only keep collected information only for as long as reasonably necessary and use it only for the purposes for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements.
• We limit access to PII only to specific employees, contractors and agents who have a reasonable need to come into contact with your information. For example, we may provide members of our technical support team with limited access to your account in order to allow them to troubleshoot problems you may be having with the Website.
• Additionally, we also employ a number of physical, electronic, and procedural safeguards to protect PII. Our secure servers and our data centers are protected by industry-standard encryption, and our servers reside behind firewalls and employ high-level password protection.
• Finally, access by you to your PII is available through a password and unique client ID selected by you. This password is encrypted. We recommend that you do not divulge your password to anyone.

In order to most effectively serve you, credit applications are handled by established third party trade credit processing institutions and processing agents. They receive the information needed to verify and authorize your credit card or other payment information and to process your credit application. We take care to use third-party vendors and service providers that we believe are reputable and able to live up to our and your expectations, including about the handling of confidential information.

Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your PII, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) the security, integrity and privacy of any and all information and data exchanged between you and us through this Website cannot be guaranteed.

Miscellaneous

1. Intended Audience. You must be at least 18 years old to have our permission to use this Website. Our policy is that we do not knowingly collect, use or disclose PII about minor visitors.
2. Voluntary Public PII Disclosure. You should also be aware that when Personally Identifiable Information is voluntarily disclosed (i.e. your name, email address) in the discussion forums or other public areas on this Website, that information, along with any information disclosed in your communication, can be collected and used by third parties and may result in unsolicited messages (including unwanted spam messages) from third parties. Such activities are beyond our control and this Policy does not apply to such information.