Privacy Policy and Terms of Use

Privacy Policy and Terms of Use

Website Privacy Policy and Terms of Use

 

I. Introduction:

The policies below describe SageSure Insurance Managers LLC (“SageSure”, “us,” “our”, or “we”) agreement with you (“you”) when you visit our public-facing websites hosted under the domains https://sagesure.com and https://www.icg360.com (the “Websites”), except as noted below. By using the Websites, you signify your agreement to these policies. If you do not agree to these policies, you may not use the Websites.

 

Please note that this Website Privacy Policy and Terms of Use does not apply to your use of any MySageSure service available through the Websites, such as the MySageSure consumer portal or the MySageSure payment processing applications. These services and functions are subject to their own terms of use and privacy policy which are available by accessing the MySageSure pages and portal login screens.

 

II. Privacy Policy:

We respect your privacy and created this Privacy Policy to let you know what information we collect when you access and/or use our Websites and how we may use or disclose it.

 

This PRIVACY NOTICE of SageSure Insurance Managers LLC (collectively, “SageSure,” “we,” “us,” or “our”) and applies to visitors, users, customers, consumers, and others (“consumers” or “you”). It explains how we collect, use, protect, and share your personal information and your rights under the privacy laws of your state, and other applicable privacy laws and regulations.

 

Categories of Personal Information We Collect

We collect the following categories of personal information from or about our consumers:

  • Identifiers and personal information categories (e.g., name, date of birth, mailing address, phone number, email address, internet protocol address, Social Security number, insurance policy number, driver’s license number, bank account number and other payment information, financial history, marital status)
  • Protected classification characteristics (e.g., age and marital status)
  • Commercial information (e.g., records of personal property, payment history, claims history, other payment or financial information, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies)
  • Internet or other electronic network activity information regarding your interaction with our website (e.g., browsing history, cookies, search history, information on a consumer’s interaction with a website, application, or advertisement)
  • Sensitive Personal Information: We collect the following information, which is considered to be “sensitive” personal information: social security number, driver’s license number, bank account number(s), and marital status.

 

Sources of Information

We obtain the categories of personal information listed above from the following categories of sources:

  • Directly from our consumers. For example, we collect the information that you provide (or someone else who provides it on your behalf) when you fill out online applications, or other forms, and when you submit questions or comments online or by email or by text messages.
  • Directly and indirectly from activity on our website. For example, we collect information from submissions through our website portal and website usage details collected automatically through cookies and other similar tracking technologies.
  • From consumer reporting agencies, public records and data collection agencies. For example, we collect information regarding your obligations with others, your creditworthiness, loss history, and claims data from these sources.
  • From transactions with SageSure or other nonaffiliated parties. For example, we collect information, such as your name, address, availability of funds, insurance coverage, transaction history, claims history and premiums, from these sources.

We collect information in the following ways:

  • Automatic Collection: If you download material or browse through the Websites, our servers automatically collect certain information about you which may include: (a) the name of the domain and host from which you access the Internet; (b) the browser software you use and your operating system; (c) the Internet address of the website from which you linked to the Websites; (d) the Internet address of the device you used to access the Websites and the location from which such access occurred; and (e) the time(s) when you accessed the Websites.
  • Voluntary Collection: You may voluntarily enter or otherwise provide information to us on the Websites, such as through a contact request form or email. You may also voluntarily provide information to us when you use certain features of the Websites, such as applying for a job with us.

 

Purposes and Use of Collected Personal Information

We may use or disclose the personal information, including certain sensitive personal information, we collect for one or more of the following business purposes:

  • To fulfill or meet the reason for which the information is provided.
  • To provide you with information, products or services that you request from us.
  • To maintain or service consumer accounts and to provide customer service.
  • To provide you with email alerts, text message alerts, event registrations and other notices concerning our products or services, or events or news, that may be of interest to you.
  • To carry out our obligations and enforce our rights arising from any contracts entered into between you and us.
  • Improve, market or promote products and services to you.
  • Consider your application for employment.
  • Compile, synthesize, generate and analyze anonymous usage and other aggregated information.
  • To improve user experience by making our website easier to use and navigate.
  • To evaluate or conduct a business combination, such as a merger or sale.
  • As necessary or appropriate to protect the rights, property or safety of us, our clients or others.
  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
  • As described to you when collecting your personal information.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

 

Sharing Personal Information

We may disclose your personal information, including certain sensitive personal information, to a third party for business purposes, as described above. As permitted by applicable law, we may share the following categories of personal information with a third party for a business purpose:

  • Identifiers and personal information categories (e.g., name, date of birth, mailing address, phone number, email address, Internet Protocol address, Social Security number, insurance policy number, bank account number and other payment information, financial history, marital status)
  • Protected classification characteristics (e.g., age, marital status)
  • Commercial information (e.g., records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies)
  • Internet or other electronic network activity information (e.g., browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement)
  • We may also disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may, as allowed by law, disclose your personal information, including certain sensitive personal information, for a business purpose to the following categories of third parties:

  • Third parties that use your personal information to process payments, validate your credit and loss history, and provide other similar services on our behalf.
  • Other insurance institutions, financial institutions, reinsurers, insurance producers, or consumer reporting agencies as needed in connection with any insurance application, policy or claim involving you.
  • Third parties that conduct research, including actuarial or underwriting studies.
  • Adjusters, appraisers, auditors, investigators and attorneys.
  • Third parties that may explore certain transactions with SageSure, such as certain investments, loan transactions, and mergers and acquisitions of portions or all of our business.
  • Third parties who perform business, professional or insurance functions for SageSure including service providers, agents or independent contractors.
  • To our subsidiaries and affiliated companies.
  • We may disclose your personal information to law enforcement, government agencies, and other related third parties, in order to comply with the law, enforce our policies, or protect our or others’ rights, property, or safety.

We do not sell any of your personal information. 

 

Third-Party Links

Our website contains links to other sites. SageSure is not responsible for the privacy practices or content of such other sites. If you have any questions about how these other sites use your information, you should review their policies and contact them directly.

 

How SageSure Responds to Do-Not-Track Signals

Certain state law requires commercial website owners and operators to disclose how their website responds to web browser “do not track” signals. If you have enabled your browser for that purpose, at this time, we do not honor “do not track” requests or change our services or information practices in any way as a result of receiving “do not track” requests from your browser.

 

Collection and Use of Information From Children

NOTICE TO CHILDREN UNDER THE AGE OF 13 AND THEIR PARENTS OR LEGAL GUARDIANS: SAGESURE/ICG360 DOES NOT KNOWINGLY COLLECT PERSONAL INFORMATION FROM CHILDREN UNDER THE AGE OF 13 AND CHILDREN UNDER THE AGE OF 13 ARE SPECIFICALLY PROHIBITED FROM SUBMITTING ANY PERSONAL INFORMATION ON THE WEBSITES. IF YOU ARE UNDER THE AGE OF 13, DO NOT SEND SAGESURE/ICG360 ANY PERSONAL INFORMATION INCLUDING WITHOUT LIMITATION YOUR EMAIL ADDRESS, NAME AND/OR CONTACT INFORMATION.

 

Your Rights

You have the following rights with respect to your personal information:

  • Right to Know: You have the right to request that we disclose certain information to you about our collection, use, and disclosure of your personal information over the past 12 months. Once we receive and confirm your request, we will disclose the following to you:
    • The categories of personal information we collected about you.
    • The categories of sources for the personal information we collected about you.
    • Our business or commercial purpose for collecting that personal information.
    • The categories of third parties with whom we share that personal information and the categories of personal information shared with those third parties.
    • The specific pieces of personal information we collected about you.
  • Right to Opt Out: You have the right to opt-out of sharing of your information with third parties, subject to certain exceptions for SageSure to provide you products and services.
  • Right to Correction: You have the right to request correction of any inaccurate personal information.
  • Right to Request Deletion: You have the right to request that we delete your personal information that we have collected about you, subject to certain exceptions.
  • Right to Non-Discrimination: We will not discriminate against you because you exercise your rights. For example, we will not deny you goods or services or charge you a different price or rate for goods or services if you make an access or deletion request.

 

Exercising Your Rights

To exercise the rights described above, please submit your request to us by either:

Only you, or a person legally authorized to act on your behalf, may submit a request related to your personal information. You may also submit a request on behalf of your minor child. You may only make a request for information twice within a 12-month period. We will not charge a fee to respond to your request. Any such inquiry will be responded to within thirty-day (30) days. We must verify your identity with respect to such inquiries. Depending on the nature of the Personal Information at issue, we may require additional measures or information from you as part of that verification.

You will be asked to provide your name, insured property address, and date of birth when making the request.

 

Security

SageSure implements reasonable security measures to ensure the security of your personal information. Please understand, however, that no data transmissions over the Internet can be guaranteed to be 100% secure. Consequently, SageSure cannot ensure or warrant the security of any information you transmit to us and you understand that any information that you transfer to us is done at your own risk. If we learn of a security system breach we may attempt to notify you so that you can take appropriate protective steps. By using the services or providing personal information to us, you agree that we can communicate with you electronically regarding security, privacy, and administrative issues relating to your use of the services. We may post a notice via our website if a security breach occurs. We may also send an email to you at the email address you have provided to us in these circumstances. Depending on where you live, you may have a legal right to receive notice of a security breach in writing.

 

Data Retention

We will not retain your personal information any longer than necessary to fulfill the purposes described in this our Privacy Policy. Under our record retention policy, we are required to destroy personal information after we no longer need it according to specific retention periods. However, we may need to hold personal information beyond these retention periods due to regulatory requirements or in response to a regulatory audit, investigation, or other legal matter.

 

For More Information

If you have any questions regarding this Privacy Notice, please visit us at www.sagesure.com/contact-us/

 

Cookies:
A cookie is a file that a website can place on your computer’s hard drive for record-keeping or other administrative purposes. We may use cookies to help personalize your experience or to market products and services to you.

 

III. Terms of Use:
You may not use the Websites for certain purposes:
You may use the Websites only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Websites in any manner that could disable, overburden, damage, or impair the Websites or interfere with any other person’s use of the Websites.

The text, images, information and other material contained on the Websites (“Content”) are proprietary to us and/or our partners and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property and proprietary rights laws. You agree not to modify, copy, distribute, or re-sell any Content or other information obtained from or through the Websites. No right, title or interest in or to the Websites or any Content is transferred to you, and all rights not expressly granted are reserved by SageSure/ICG360.

 

Limitations of Liability:
You understand and agree that neither SageSure/ICG360 nor its suppliers or vendors are responsible for any claim, loss, or damage directly or indirectly resulting from your use of the Websites or the information resources contained or accessible through the Websites. The access to and use of the Websites and the Content is solely at your own risk.

 

SageSure/ICG360 assumes no liability for ANY DAMAGES WHATSOEVER RESULTING FROM ANY LOSS OF DATA OR OTHERWISE ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE, OPERATION OR PERFORMANCE OF THE WEBSITE. You acknowledge and agree that the limitations set forth above are fundamental elements of these Terms of Use and the Websites would not be provided to you absent such limitations.

 

Disclaimer of Warranty:
The Websites and the Content are provided on an “as is” basis. SAGESURE/ICG360, ITS LICENSORS, AND ITS PARTNERS, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES’ RIGHTS, AND FITNESS FOR PARTICULAR PURPOSE.

 

IV. General Terms:  

Legal Provisions: If any provision of these policies is determined by a court of competent jurisdiction to be invalid, all other terms and conditions shall remain in full force and effect. These policies and the resolution of any dispute arising hereunder shall all be governed and construed in accordance with the laws of the state of New York, without regard to its conflicts of law principles. You consent to the jurisdiction of the courts of the state of New York.

Links to Other Websites and Social Media: SageSure/ICG360 is not responsible for the practices or policies of the websites or social media platforms linked to or from the Websites. If you elect to use a link that accesses another party’s website or a social media platform, you will be subject to that website’s or platform’s practices and policies.

How to Contact Us: If you have questions about these policies, you can contact us by email at marketing@SageSure.com.

Updates to these Policies: From time to time, we may modify or update these policies at our sole discretion. We encourage you to review these policies frequently for such changes. These polices were last updated July 1, 2023.