Privacy Policy

This statement discloses the privacy practices for the Novamar Insurance Group and includes:

• What information is gathered/tracked
• How the information is used
• Who information is shared with

Questions regarding this statement should be directed to the corporate headquarters of Novamar Insurance Group in the United States.

Summary

Novamar Insurance Group collects no personally identifying information about individuals except when specifically and knowingly provided by such individuals or, in the case of corporate owned policies insuring individuals, by the corporate owner of the policies. Except as described in this Statement, Novamar Insurance Group will not release any of said information about you without your permission, unless permitted or required by law.

What Information Novamar Insurance Group Collects

The Novamar Insurance Group web site gathers two types of information about people: Information and data you provide voluntarily for contact request forms; and aggregated tracking information such as IP address and server information.

Disclosure of Your Information:

It is not our policy to share your private information with non-affiliated third parties other than as permitted or required by law. For example, we may share all of the information listed above with non-affiliated third parties for, including but not limited to, the following reasons: The information is essential in servicing or processing the insurance needs of our clients in a way that is customary and necessary among insurance agents. Our services and processes might include, but are not limited to, underwriting, obtaining renewal terms, rating, and providing quotes for insurance. Information necessary to protect the confidentiality or security of our client’s records.
Information necessary to resolve client disputes or inquiries. Information required by individuals or entities who are assessing our legal compliance. Information required for us to comply with the law. Information necessary to protect against or prevent fraud, unauthorized transactions, claims or other liability.

Financial Representative Contact Request Forms

When you would like to have a Novamar Insurance Group Representative contact you, we will ask you for:

• Your name
• Your street address
• Your phone number
• Your email address

Since insurance is primarily state-regulated, and our Financial Representatives are licensed by state, we need your street address so that we may forward your information to the Novamar Office nearest you. Your name, phone number and/or email address enable you to be contacted, per your request.

Customer Service Request Forms

We want to provide our customers with a means to communicate with us 24 hours a day, seven days a week. We do this through our Contact page on our websites and by means of the footer found on each page of the site. Telephone and email information is provided for your convenience. In order to provide you with the service you need in the most efficient way possible, we will ask you for some or all of the following information:

• Your name
• Your social security number
• Your street address
• Your policy/annuity/IRA number
• Your Insurance Service Account number (if applicable)
• Your phone number
• Your email address

This information is for our internal use to service your request, so that we or our administrators may access your customer information. It is not shared with any other third party, unless permitted or required by law.

Hyperlinks

This web site may contain hyperlinks or "links," to and from other Internet sites. These sites may have different privacy practices from our web site. Our Online Privacy Statement applies solely to our site. Please review the online privacy statements of any other Internet sites you may visit. These links also do not imply an affiliation between Novamar Insurance Mexico and the site owner, or any endorsement, approval or verification of any content contained on other web sites.

Cookies and Web Beacons

A cookie is a small piece of information a web site can store on your computer. This small text file contains a unique identification number that is transferred from a web site to the hard drive of your computer so that the site administrator may identify your computer and passively track its activities on the web site. This unique number identifies your Web browser to our computer system whenever you visit our site. A cookie will not allow a web site to learn any personally identifiable information (such as your real name and address) that you have not otherwise disclosed.

Cookies are currently used on most major web sites and have become an industry standard. Most Web browser preferences can be adjusted to alert you that a cookie will be sent to your hard drive, or you can refuse to receive a cookie. While this web site does not require you to use cookies, it is possible that certain services may not function properly if you choose to refuse to receive a cookie.

Clear GIFs or single-pixel GIFs, known as Web beacons, are small files that are placed on Web pages. Web beacons work with cookies and assist in gathering web site statistics such as unique visitors and the number of times individual pages are displayed. You can learn more about web beacons and cookies from Wikipedia.

This site uses two types of cookies. We use session cookies to ensure better performance and a more enjoyable and consistent user experience from your entry point into our site. Session cookies are also used on the password-protected area of www.novamarinsurance.com an area that can be accessed through this site. A session cookie is a small text file that is sent to your browser when you access the site and is then stored temporarily in memory. The session cookie is available only during the course of the browser session; the information is not sent to or stored on your computer's hard drive. Closing your browser or logging off will invalidate the session cookie.

In addition, this site uses machine cookies, also known as persistent cookies. This site uses persistent cookies in connection with gathering web site statistics through Google Analytics services discussed below. This information is only collected in aggregate form. No personal information is collected. You have the option to opt out of cookies.

If you'd like to delete cookies or instruct your web browser to delete or refuse cookies, please visit the help pages of your web browser. Please note, however, that if you delete cookies or refuse to accept them, you might not be able to use all of the features we offer, you may not be able to store your preferences, and some of our pages might not display properly.

Aggregated Tracking Information

To enable us to continually improve on the content we offer our users, as well as for systems administration purposes, we collect aggregate information site-wide. This gives us an idea of which parts of our site users are visiting. We do not link IP addresses to anything personally identifiable, which means a user's session will be tracked, but the user will be anonymous. To assist us in this process, this site use Google Analytics. Google Analytics uses cookies and Web beacons to collect various non-personal information regarding visitors' use of this site, including daily unique visitors, page views, length of time of page views, page navigation paths, time of day of visits, browser type used by visitors, the Internet Service Provider used to connect to the Internet and this site, and the type of operating system used by visitors. Again, this information is only collected in aggregate form. No personal information is collected. Google Analytic's privacy policy may be viewed at http://www.google.com/privacypolicy.html.

Changes and Revisions

We reserve the right to amend this Statement from time to time. Any material change to our online privacy practices will be reflected in this Online Privacy Statement. We will indicate the date this Statement was last updated.