Last Revised: January 27, 2016
We collect nonpublic personal information about you from the following sources:
If you login to the members-only section of our site, we set a cookie with a randomly-generated anonymous identifier to allow you to navigate those pages.
In addition, Roanoke Insurance Group (RIG) member companies provide cookies via this website as part of the opt-out process.
We use web beacons (invisible images often referred to as pixel tags or clear GIFs) on our sites in order to recognize users, assess traffic patterns, identify preferred content and measure site engagement. We also include web beacons in our e-mail messages, including newsletters, in order to count how many e-mail messages have been opened.
Our website also uses a third party to collect information, including through the use of web beacons, browser cookies and other tracking technologies. We may collect via web beacons various data provided by your browser while you are on our site and elsewhere where we may be acting as a 3rd party. This data is collected in the aggregate, but may include or be associated with other non-Personally Identifiable Information (PII) or PII that users have voluntarily submitted.
We collect and store in server logs non-personally identifiable information, including but not limited to browser type, IP address, operating system, the date and time of visits, the pages visited on the site, time spent viewing the site, and return visits to the site. We also use Google Analytics, a service that records non-personally identifiable data such as browser type, operating system, the date and time of a visit, where visitors came from, the pages visited on this website, the time spent viewing site, where visitors went when they left the site, and return visits to the site.
We aggregate this non-personally identifiable data to better understand how visitors use our site, and to help manage, maintain, and report on use of our website. We store IP addresses for fraud detection and prevention purposes.
We may share this non-personally identifiable data with third parties for the limited purpose of reporting on use of our website, or to comply with applicable law. We also may share this data with our service providers. We do not rent, sell or share any non-personally identifiable data collected on this website with third parties for marketing purposes.
In the course of our general business practices, we may disclose the information that we collect (as described above) about you or others without your permission to the following types of institutions for the reasons described:
To a third party if the disclosure will enable that party to perform a business, professional or insurance function for us;
To a financial institution, agent or credit reporting agency for either this agency or the entity to whom we disclose the information to perform a function in connection with an insurance transaction involving you;
To an insurance regulatory authority, law enforcement or other governmental authority for regulatory compliance, the detection or prevention of fraud or as otherwise required or allowed by law;
To a group policyholder for the purpose of reporting claims experience or conducting an audit of our operations or services.
In addition to those circumstances listed above, and unless you tell us not to, we may disclose certain information about you to third parties whose only use of the information will be for purposes of marketing a product or service. Under no circumstances will we disclose for marketing purposes any medical information; information relating to a claim for benefit or a civil or criminal proceeding involving you; or personal information relating to your character, personal habits, mode of living or general reputation.