American Brokerage Services, Inc. (“ABS”, also referred to as “we”, “our” or “us”) owns and operates this website (the “Website”). This privacy policy set forth below (the “Privacy Policy”) applies to consumers, visitors (collectively, “you” or “your”) and agents of ABS’s (“ABS
Agents”) use of this Website, governs data collection and usage and applies to information that ABS Agents supply to ABS. We have established strict standards to maintain the privacy and security of information we collect over the internet.
You and ABS Agents are not required to provide personal information to browse the information found on our websites. Personal Identifiable Information is only collected when you voluntarily provide it to us or when ABS Agents provide your Personal Identifiable Information to us. “Personal Identifiable Information” collected about you, your dependents/beneficiaries, or ABS Agents, as applicable, may include:
In certain cases, we may receive sensitive information about you. For example, if you, or an ABS Agent, applies for insurance or other products through a third-party marketing partner that is a professional, trade, political, religious or community organization. In addition, we may obtain information about your criminal record or civil litigation history in the process of preventing, detecting, and investigating fraud. We may also obtain sensitive personal information if you or an ABS Agent voluntarily provides such information to us.
Except as provided in this Privacy Policy, we will maintain the confidentiality of your or an ABS Agent’s Personal Identifiable Information and will not disclose or sell information to third parties.
We will not sell, disseminate, disclose, trade, transmit, transfer or share any Personally Identifiable Information about you, a dependent/beneficiary or an ABS Agent to any third party unless the release of such information is: (i) specifically authorized by you or an ABS Agent; (ii) necessary to complete the transactions requested by you or an ABS Agent; (iii) required either by law or to comply with legal process served on ABS; (iv) necessary to protect or defend the rights or property of ABS; (v) required by exigent circumstances or to protect individual personal safety or the public; or (vi) otherwise permitted by this Privacy Policy.
We may use Personal Identifiable Information for one or more of the following purposes:
We may use Personal Identifiable Information for research and development purposes, including, to analyze and improve the Website and our business and for business promotion purposes. We turn Personal Identifiable Information into anonymous data by removing any data that personally identifies you or an ABS Agent to third parties.
Our subsidiaries and affiliates may have access to and use of Personal Identifiable Information in connection with the conduct of our business where appropriate.
We do not sell or release Personal Identifiable Information to outside marketers who may want to offer you their own products and services unless we receive your express consent; nor do we release information we receive about you or an ABS Agent from a consumer reporting agency.
Depending on your relationship with us, we may ask you or an ABS Agent to provide certain Personal Identifiable Information about you and your dependents/beneficiaries to adequately provide goods or services to you. For example, you or an ABS Agent may provide us with general identification and account information such as your name, telephone number, policy or account number, postal address, email address, or date of birth when you:
You or an ABS Agent may also provide us with your financial information and goals when you or an ABS Agent use certain services, features or tools on our Website.
We may include widgets, tool bars or icons from social media providers on our Website that allow you to interact or share information with them and these social media networks may collect information about your browsing on the pages of our Website. Such collection may occur where the widgets, tool bars or icons are visible, even when you or an ABS Agent do not click on or otherwise activate the widgets, tool bars or icons. The privacy policy of the relevant social media network controls the collection, use and disclosure of all information collected by that social media network.
Third parties may collect Personal Identifiable Information about you or an ABS Agent’s online activities over time and across different websites when you use our Website. We may share information with marketing providers, analytics providers, and Advertising Partners. “Advertising Partners” means advertising networks which deliver targeted advertisements to consumers, including advertisements with links to our Website and advertisements which generate related statistics and metrics. These Advertising Partners may utilize information collected through a variety of data technologies to provide advertising placement, customization, auditing, research and reporting for us and other advertisers.
Our Website may collect internet protocol addresses for the purposes of systems administration, authentication and security, server problem diagnosis and compiling aggregate information, such as how many visitors access the Website. When you or an ABS Agent visits a particular page on our Website, our servers may log the user’s internet protocol address. An internet protocol address is a number that is assigned to a computer automatically when an individual uses the internet.
Our Website may use cookie technology to improve your experience and gather information for statistical reporting and other related business purposes. A cookie is a small piece of information sent by a site that is saved on your electronic device. A cookie holds information a site may need to personalize your experience and gathers statistical data, such as which pages are visited, what is downloaded, the internet provider’s domain name, countries that our visitors come from and the addresses of sites visited immediately before and after visiting our Website. We may use cookies in conjunction with third party services to obtain demographic data on visitors to our Website. You or an ABS Agent can stop certain types of cookies from being downloaded on your electronic device by selecting the appropriate settings on your web browser.
If you or an ABS Agent discloses any Personal Identifiable Information relating to other people to us or to our service providers, you and the ABS Agent agrees to: (i) inform the individual about the content of this Privacy Policy and any other applicable privacy notice provided to you or the ABS Agent; and (ii) obtain any legally required consent of Personal Identifiable Information about the individual in accordance with this Privacy Policy and any other applicable privacy notice provided to you or an ABS Agent.
We are committed to ensuring the security of Personal Identifiable Information and take all appropriate technical, physical, legal, and organizational measures to safeguard your data and Personal Identifiable Information in accordance with applicable privacy and data security laws. Unfortunately, despite our best efforts, no data transmission over the internet or data storage system can be guaranteed to be 100% secure and we cannot guarantee the security of networks and systems we operate or that are operated on our behalf. We do not guarantee or warrant that any part of this Website, including files available for download, are free of viruses or other harmful code. It is your responsibility to take appropriate precautions, such as the use of anti-virus software, to protect your computer hardware and software while using the internet.
If you or an ABS Agent have reason to believe that your interaction with us is no longer secure (for example, if you suspect that the security of your Personal Identifiable Information you or an ABS Agent have shared with us has been compromised) or if you have any other data security questions or concerns related to ABS, please contact us as specified in the How to Contact Us section of this Privacy Policy. To protect your privacy, please do not use email to communicate any information that you want kept confidential.
Our employees are authorized to access Personal Identifiable Information only when they need it to perform their job responsibilities. Employees who have access to Personal Identifiable Information are aware of this Privacy Policy are required to: (i) keep Personal Identifiable Information confidential; and (ii) complete privacy training annually. We regularly review data flows and identify points in which Personal Identifiable Information is vulnerable and create controls and protections as appropriate.
Should your or an ABS Agent’s relationship with us end, we will continue to follow the procedures described in this Privacy Policy to the extent that we retain Personal Identifiable Information about you or an ABS Agent. We will store such information in accordance with applicable laws or regulatory requirements and retain data for as long as necessary to fulfill those purposes for which the personal data was collected. If we no longer need to retain that information, we will dispose of it in a secure manner.
The Website is designed for a general audience and is not directed to children under the age of 13. We do not knowingly collect or solicit Personal Identifiable Information from children under the age of 13. If we learn that we collected Personal Identifiable Information from a child under the age of 13, we will promptly dispose of that information in a secure manner. If you or an ABS Agent believe that a child under the age of 13 may have provided us with Personal Identifiable Information, please contact as specified in the How to Contact Us section of this Privacy Policy.
We review this Privacy Policy regularly and reserve the right to update this Privacy Policy at any time and without prior notice to you or an ABS Agent to reflect changes in our privacy practices. We will indicate at the bottom of the Privacy Policy when it was most recently updated.
To update your preferences, update or correct any information, submit a request, or ask us questions about this Privacy Policy, please contact by email at privacy@absgo.com or write to us at:
American Brokerage Services, Inc.
Attn: Privacy Notice Inquiry
805 East Willow Grove Avenue, S-2B
Wyndmoor, PA 19038
Rev. Nov-23