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Privacy Policy

Thank you for visiting Riles and Allen

We respect your privacy and want you to understand the ways in which we collect and use information provided online.

This Online Privacy Policy applies to www.rilesandallen.com and other websites or mobile applications that link to this Policy (the “Online Services”).

How We Collect Personal and Non-Personal Information through the Online Services

We collect two kinds of information through the Online Services: non-personal information and personal information.

The non-personal information we collect includes: the visitor’s browser type, device type, and operating system; area(s) of the Online Services visited; date and time of access; host or Internet service provider (ISP) information; and identity of the referring site (any site from which the visitor accessed the Online Services).

We also collect personal information that can identify a visitor, user or insured, including but not limited to name, address or other contact information, policy information, claim information (including materials you submit as part of your claim), customer service requests, information provided for roadside assistance services, or other information that you choose to provide to us, but only when you voluntarily provide it.  If you apply for a job or register with our Career Center, we may collect personal information about your work and educational history. 

Sources of Personal Information We Collect

The type of personal information we collect depends on the financial product or service (if any), or other interaction, that you have with us.  We may collect the categories of personal information listed above from the categories of sources described in the Sources of Personal and Non-Personal Information We Collect through the Online Services section below.

Sources of Personal and Non-Personal Information We Collect through the Online Services

We may collect personal and non-personal information from the following sources:

  • information from you directly or from your agent, broker or other representative, including information from applications, worksheets, questionnaires, claim forms or other documents (such as name, address, driver’s license number, Social Security number and amount of coverage requested);
  • information about your transactions with us, our affiliates or others (such as products or services purchased, claims made, account balances and payment history);
  • information about you from a corporate policyholder or its representatives in connection with your coverage or a claim that you may have under the corporate policyholder’s policy;
  • information from a consumer reporting agency (such as motor vehicle reports or information about your credit or creditworthiness);
  • information from other non-Riles and Allen sources (such as prior loss information and demographic information);
  • information from Riles and Allen service providers, business partners or other representatives (such as administrators, adjusters, and vendors);
  • information from visitors to our websites (such as that provided through online forms and collected through other website tools);
  • information from an employer, benefit plan sponsor, benefit plan administrator or group master policyholder for any Riles and Allen individual or group insurance product that you may have (such as name, address and amount of coverage requested); and
  • information about you from public sources (such as information you submit in a public forum, a blog, chat room, or social network). 

How We Use and Share Your Information

We may use and share the information we collect through the Online Services for a number of purposes including:

  • to provide you with, renew or modify products and services;
  • to provide you with the information and documents you request and for other customer service purposes;
  • to process claims and other legal actions;
  • to provide you with information about www.rilesandallen.com and other websites, mobile applications or Online Services that link to this Online Privacy Policy or required notices;
  • to carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing, collections and payments;
  • to deliver marketing communications or promotional materials that may be of interest to you and to assist us in determining relevant advertising;
  • for advertising and marketing purposes, as well as claims assessment and actuarial purposes, we may share your information with analytics service providers;
  • to improve, enhance and maintain the quality of services we provide and the usefulness of the Online Services;
  • to customize your experience when using the Online Services;
  • to comply with applicable laws;
  • to respond to law enforcement requests, court orders or regulations, subpoenas, search warrants, other legal processes, or to perform other reporting obligations, as required by applicable law;
  • to perform research, testing and product development and demonstrations, and to analyze use of our websites and online applications;
  • to prevent and detect fraudulent, malicious, deceptive, infringements of our policies and contracts and other potential misuse of or illegal activity relating to our products, services and assets;
  • to carry out actuarial analysis and develop our actuarial and pricing models;
  • to assist our affiliates in their everyday business purposes;
  • to provide training or organize events;
  • as described to you when collecting your personal information;
  • to investigate privacy, security or employment-related incidents;
  • to refer you to our third party partners as part of a referral program;
  • to conduct financial, tax and accounting audits, and audits and assessments of Riles and Allen’s business operations or security and financial controls;
  • to plan, engage in due diligence for, and implement commercial transactions; and
  • to comply with contracts related to products or services that we provide to you such as reinsurance agreements. 

We also may anonymize, combine or aggregate any of the information we collect through the Online Services or elsewhere for any of these purposes or for analyzing usage statistics and trends.

In addition, we may share your information in the following circumstances:

  • We may disclose the information we collect from you to our affiliates or subsidiaries;
  • We may disclose the information we collect from you to vendors, service providers, contractors or agents who perform functions on our behalf;
  • If our assets or equity are acquired by or merged with another company, if substantially all of our assets are transferred to another company, or as part of a bankruptcy proceeding, we may transfer the information we have collected from you to the other company;
  • We also may disclose the information we collect from you in order to comply with the law, a judicial proceeding, court order, or other legal process, such as in response to a court order or a subpoena;
  • We may share aggregate or de-identified information about users with third parties for marketing, advertising, research or similar purposes.

If you provide us with personal information in connection with products or services that we provide to you primarily for personal, family or household use, we will not sell, license, transmit or disclose this information outside of Riles and Allen unless:  

  1. you expressly authorize us to do so;
  2. it is needed to allow our contractors or agents to provide services for us;
  3. it is needed to provide our products or services to you;
  4. it is disclosed to entities that perform marketing services on our behalf or to other entities with whom we have joint marketing agreements;
  5. in connection with a merger, consolidation, acquisition, divestiture or other corporate restructuring of all or part of our business; or
  6. it is otherwise required or permitted by law.

How We Collect, Use and Protect Social Security Numbers

Riles and Allen may collect Social Security numbers (“SSNs”) in the course of our business.  We strive to protect the confidentiality and security of SSNs in our possession, custody or control by: (i) limiting access to SSNs and (ii) maintaining reasonable administrative, technical and physical safeguards to protect against the loss, misuse or unlawful disclosure of SSNs.  We do not share SSNs for marketing purposes.

Children’s Privacy

The privacy of children online is an important issue to Riles and Allen, and Riles and Allen encourages parents to supervise their children’s activities online.  Riles and Allen does not seek or knowingly collect personal information from children under the age of 13. Riles and Allen requests that children under the age of 13 not disclose or provide any personal information through the Online Services. If we learn that we have received information directly from a child who is under the age of 13, we will take appropriate action in accordance with applicable law. To learn more about the Children’s Online Privacy Protect Act (COPPA) please visit the Federal Trade Commission’s website at https://www.ftc.gov/.

How We Use “Cookies” and Other Data Collection Tools

Cookies. Riles and Allen may place electronic “cookies” in the browser files of your computer or mobile device when you access a Riles and Allen website.  Cookies are pieces of information that a Riles and Allen website transfers to your computer or mobile device to enable our systems to recognize your browser and to tailor the information on our websites to your interests.  For example, if you previously visited a Riles and Allen website and accessed your account information or inquired about particular services over the website, cookies enable us to present information tailored to your account and/or those particular interests the next time you visit the website. Moreover, Riles and Allen or our third party service providers or business partners may place cookies on your computer or mobile device that can be matched to other personal information we maintain about you to pre-populate certain online forms for your convenience.  We also use cookies to analyze visitors’ use of our websites.  This analysis helps us better understand which areas of our sites are most useful and popular so we can plan improvements and updates accordingly. Third parties, including Facebook, may use cookies, web beacons, and other storage technologies to collect or receive information from Riles and Allen websites and apps and elsewhere on the internet and use that information to provide measurement services and target advertisements to you.

Why are cookies important for the use of Riles and Allen websites?

We use cookies to improve the functionality of this website and to track information about how the website is used in order to continually improve it and personalize it to user preferences. In particular:

  1. Cookies enable an individually tailored use of the websites. Some functions on our websites cannot be used without cookies, i.e. logging in or changing settings. Cookies need to be enabled for optimal use of the website.
  2. We are unable to monitor visitor numbers for our website without cookies. Security and fraud risks on our site increase without this information, which is something we wish to avoid.
  3. Cookies allow us to check how users access and navigate our site. This is very important in order to make the website better and more user friendly.

Types of Cookies

Cookies may be either “persistent” cookies or “session” cookies. This website uses both persistent and session cookies.

A persistent cookie consists of a text file sent by a web server to a web browser, which allows us to collect and analyze (on an anonymous basis) traffic and use of this website, monitor the system and improve operating performance, for example, store your preferences to enhance your subsequent visits. It will not be automatically deleted when the browser is closed but is stored by the browser and will remain valid until its set expiration date (unless deleted by the user before the expiration date).

A session cookie is essential to ensure the correct functioning of this website and is used to manage registration/login and access to reserved features. It is stored temporarily during a browsing session and will expire at the end of the user session, when the web browser is closed.

It is also important to be aware that some cookies (which are generally session cookies) are what is known as strictly necessary. Strictly necessary cookies enable you to move around the website and use features which you have explicitly requested. You can disable other forms of cookie while allowing strictly necessary cookies – see “Your Cookies Choices” below.

Clear GIFs, pixel tags, and other technologies. In addition to cookies, we may also use other means of passively collecting non-personally identifiable data about your use of our web sites, such as through the use of “clear GIFs” (small pieces of data that may be embedded in images on our web sites that enable us to track your usage of our web sites) and analyzing “click stream” data (the virtual trail you leave behind while browsing the Internet and viewing our web sites).We use clear GIFs and click stream data to gather data about your visit to our web sites and in connection with emails to track response rates. The data may include information about your device, such as your IP address, but does not identify you by name. Blocking cookies will prevent clear GIFs from tracking your activity, and also prevent us from collecting certain other information, such as your IP address; but we still obtain a record of a visit. In addition to the information we collect from cookies, from clear GIFs, through the analysis of click stream data, and any other means we may employ to collect non-personally identifiable information about you or your visits to our web sites, we may also obtain anonymous information which you provide to us online — for example, when you use our tools and calculators.

Your Cookie Choices

You can enable or disable cookies by adjusting your browser settings. This allows you to reject the placement of all cookies (except strictly necessary cookies). You can also delete cookies which have already been placed on your device.

Please remember that disabling or deleting some or all cookies may prevent some web services (including on this website) from functioning correctly, and may lead to a less smooth or less personalized browsing experience.

You should visit the “Help” section of your browser for how to manage your cookie settings, or follow the links below:

For further general information on cookies and more detailed advice on how to disable and enable them please go to https://www.allaboutcookies.org.

Do Not Track. We and our service providers or third-party ad servers may also use cookies or similar technologies to collect information about your browsing activities over time and across different websites following your use of the Online Services. While, as described above, you may have the opportunity to control the use of cookies through your web browser, we do not currently respond to web browser “Do Not Track” signals or other mechanisms that provide a method to opt out of the collection of information across the networks of websites and online services in which we participate. For more information about Do Not Track, please visit www.allaboutdnt.com.

Third Party Analytics. We use automated devices and applications, such as Google Analytics, to evaluate usage of our Online Services. We also may use other analytic means to evaluate our Online Services. We use these tools to help us improve our services, performance, and user experiences. These entities may use cookies and other tracking technologies to perform their services. We do not share your name and contact information with these third party analytics providers; however, these providers may obtain unique identifiers for your device or your IP address.

Security of Internet Communications

The Internet is not a secure medium.  We employ reasonable administrative, technical and physical safeguards designed to protect personal information. When you enter sensitive information (such as a credit number or social security number) on our web sites, we encrypt that information using secure socket layer technology (SSL) or similar technology during its transmission to our web site. Unfortunately, no method of transmitting or storing data can be guaranteed to be secure, and we do not assume any responsibility for any harm, loss or damage you may experience from transmission of information by or to Riles and Allen over the Internet. If you believe that the security of any account you might have with us has been compromised, please contact us using one of the methods described below.

We restrict access to personal information collected about you at our web sites to our employees, our affiliates’ employees or others who need to know that information to provide services to you or in the course of conducting our normal business operations.

How to Contact Us and Access and Correct Your Information

If you have a question or would like to access and correct personal information you have submitted to us through the Online Services, please log into your account for the particular Online Service or send a letter or email to the address below with your question or requesting to see your information.

Please address requests to:

Riles and Allen Group
Attention: Privacy Inquiries
2813 S Hiawassee Rd # 208
Orlando, FL 32835

Blogs and Other Interactive Features

We may offer blogs, online forums or other interactive features on the Online Services that enable you to share information about our services or other issues of interest. You should be aware that any communications you submit or post to any such interactive features on the Online Services may be viewable by other participants or users. Therefore, by submitting or posting to such interactive features you acknowledge and agree that you have no expectation of privacy or confidentiality in the content you submit for such features, whether or not it contains personal information about you.

Links to Other Sites

For your convenience, we may provide links to other web sites and web pages that we do not control. We cannot be responsible for the privacy practices of any web sites or pages not under our control and we do not endorse any of those web sites or pages, the services or products described or offered on such web sites or pages, or any of the content contained on those web sites or pages. Before providing any personal information to such web sites, please be sure to carefully review the web site’s privacy policy.

We are not responsible for the collection, usage and disclosure policies and practices (including the data security practices) of other organizations, such as Google, Apple, Microsoft and Facebook or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider or device manufacturer, including any Personal Information you disclose through or in connection with the Apps or our Social Media Pages.

Consent

By using the Online Services, you signify your consent to this Online Privacy Policy and this site’s Terms of Use. If you do not agree to this policy or the site’s Terms of Use, please do not use the Online Services. The Online Services are not for use within any country or jurisdiction or by any persons where such use would constitute a violation of law. If this applies to you, you are not authorized to access or use any of the Online Services.

Maintenance of the Services

Many of the Online Services are maintained by us in the United States, and are not intended to subject us to the laws or jurisdiction of any state, country or territory other than that of the United States.

Changes to this Privacy Policy

We may change this Online Privacy Policy at any time and from time to time. Any amendments or modifications to this Online Privacy Policy will become effective immediately upon posting. Your continued use of any of our Online Services following the posting of a revised version of this Online Privacy Policy will constitute your acceptance of the revised Policy. If you do not agree with the revised Online Privacy Policy, do not use any of our Online Services.

Contact Information

If you have any questions or comments about this section of the Online Privacy Policy, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights, please do not hesitate to contact us at:

Riles and Allen Group
Attention: Privacy Inquiries
2813 S Hiawassee Rd # 208
Orlando, FL 32835