OIG INC dba CONSTRUCTION PRO'S INSURANCE SERVICES (Hereafter referred to interchangeably as CONSTRUCTION PRO'S INSURANCE SERVICES, we, us, and our) believes strongly in protecting the privacy of Internet users who visit our Website, located at https://www.contractors-insure.com (the “Website”). This Privacy Statement is to inform you, the user of this Website, and the entities you represent, of how this Website collects, utilizes, and protects the personal information you choose to provide us. Generally, personal information is data used to identify you or your activities on the Website or through services offered on the Website.

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This Privacy Statement applies solely to data collected via the Website. There may be additional personal (and other) information that we have or collect about you or your company pursuant to other relationships, which is subject to other agreements and rules.

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What Data Do We Collect?

The information collected through the Website falls into two categories: (1) information voluntarily supplied by visitors to our Website and (2) information gathered via automated means as visitors navigate the Website.

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Information Voluntarily Supplied by Visitors: Using this Website, you may provide us with personal information to help us serve your needs. For example, providing us with your name, mailing address, driver’s license number, e-mail address, or other data that identifies you to request or receive information. Any personal information provided to us is used only for the purpose indicated on the Website or in this statement.

Information Gathered via Automated Means: We use various tools to enhance the Website user experience and track users of the Website, including cookies and web beacons. Cookies are small pieces of text that a website places on your computer to help it remember information about your visit. Web beacons are tiny graphics with unique identifiers embedded invisibly on the web pages. Neither cookies nor web beacons can read data off your computer’s hard drive or collect personal information. We use information collected from cookies and web beacons to improve the user’s experience and the overall quality of our services. We may also use cookies to identify a user’s device when that user returns to our Website and to provide services more efficiently. We may also use cookies and web beacons to collect information from third parties (such as Google) to help advertise our products and services, to analyze the effectiveness of our marketing or the performance of this Website, and to determine whether you may be interested in other products or services. We also use web beacons to help deliver cookies and compile analytics. Our cookies and web beacons may also come from third-party service providers who have permission to place such tools on our Website.

You can refuse to accept and delete cookies by adjusting your browser setting. Please note that restricting or deleting cookies may impact your browsing experience on the Website or prevent you from using some of its services which may result in the deletion of any preferences you have set. For more information on rejecting or deleting cookies, consult with your browsers or device help documentation or visit https://www.aboutcookies.org/. CONSTRUCTION PRO'S INSURANCE SERVICES does not use technology that recognizes do-not-track signals from your browser. You can also opt out of internet-based advertising by installing a browser plugin from a third party where available. For more information about internet-based advertising, please see https://thenai.org/opt-out/.

In addition, while ensuring network security and consistent service for all users, CONSTRUCTION PRO'S INSURANCE SERVICES employs software programs to monitor network traffic, identify unauthorized access, detect damaging computer viruses and software, and improve the performance of CONSTRUCTION PRO'S INSURANCE SERVICES’ network and this Website. During such monitoring, these programs may detect additional information from your computers, such as your IP address, addresses from network packets, and other technical information. Any such information is used for the purpose of maintaining the security and performance of CONSTRUCTION PRO'S INSURANCE SERVICES’ networks and computer systems.

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How Do We Use the Data We Collect?

We will use the information you provide to serve your needs, which may include sending you electronic or written materials. For example, if you supply us with your telephone number, you may receive telephone contact from us in response to your request.

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Do We Share Your Data?

We will not sell, exchange, or otherwise distribute your personal information without your consent, except to the extent required by law, in accordance with your instructions, or as identified in this Privacy Statement:

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Affiliates: To enable our affiliates to provide you services and to contact you regarding additional products and services in which you have expressed an interest.

Agents and Service Providers: We may contract with other companies and individuals to perform functions or services for us or on our behalf, such as hosting this Website, sending e-mail messages, and making phone calls. They may have access to personal information needed to perform their functions but are contractually restricted from using it for purposes other than providing services for CONSTRUCTION PRO'S INSURANCE SERVICES or on our behalf.

Business Transfers: As we continue to develop our business, we might sell or buy assets. In such transactions, user information generally is one of the transferred business assets. If CONSTRUCTION PRO'S INSURANCE SERVICES or its assets are acquired, your personal information may be one of the transferred assets.

Legal Matters: CONSTRUCTION PRO'S INSURANCE SERVICES may preserve, and has the right to disclose, any information about you or your use of this Website without your prior permission if CONSTRUCTION PRO'S INSURANCE SERVICES has a good faith belief that such action is necessary to: (a) protect and defend the rights, property, or safety of CONSTRUCTION PRO'S INSURANCE SERVICES or its affiliates, other users of this Website, or the public; (b) enforce the Terms of Service that apply to use of this Website; (c) respond to claims that any content violates the rights of third parties; (d) respond to claims of suspected or actual illegal activity; (e) respond to an audit or investigate a complaint or security threat; or (f) comply with applicable law, regulation, legal process, or governmental requests.

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Your Rights Regarding the Collection and Use of Personal Information We Collect

Certain states provide certain rights. California grants users specific rights in using and collecting personal information. Subject to limitations and based on your residency, you may be entitled to the following rights:

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Right to Correct: You have the right to request that we correct any mistakes or update any personal information, as long as the requested corrections and updates would not violate any law or cause the information to be incorrect in our opinion.

Right to Limit the Use and Disclosure of Sensitive Personal Information: You have the right to limit the use or disclosure of personal information we collect to only that use necessary to provide the requested services.

Right to Know: You have the right to know and request information regarding the categories and specific personal information we have collected about you in the last 12 months, the purposes for collecting such information, and the categories of third parties with whom we share such information. Although we do not sell personal information, or should we do so in the future, you have the right to know if we were to do so.

Right Not to be Retaliated Against: You have the right not to be retaliated against for exercising the right to opt out or any other right provided.

If you wish to exercise any of the above rights, please submit your request via our Contact Us form.

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What Steps Do We Take to Protect Your Information?

This Website and all information that you submit through this Website is collected, stored, and processed in the United States within CONSTRUCTION PRO'S INSURANCE SERVICES -controlled databases. We restrict access to your personal information to our employees, affiliates, and service providers who need to use it to provide this Website and our products or services. We have implemented physical, administrative, and technical safeguards to protect your personal information from unauthorized access. However, as effective as our security measures are, no security system is impenetrable. We cannot guarantee the security of our systems nor that the information you provide will not be intercepted while being transmitted to us over the Internet.

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Some Other Matters

Accessing and Correcting Your Information: Keeping your information accurate and up to date is very important. Inaccurate or incomplete information could impact our ability to deliver relevant services to you. Please let us know of any required changes to your personal information via our Contact Us form.

External Links: This Website includes links to other sites operated by organizations other than CONSTRUCTION PRO'S INSURANCE SERVICES. If you access another organization’s Website using a link provided, the other organization may collect information from you. CONSTRUCTION PRO'S INSURANCE SERVICES is not responsible for linked websites’ content, privacy practices, or their use. Once you have left this Website via such a link (you can tell where you are by checking the URL in the location bar on your browser), you should refer to those website’s privacy policies, terms of use, and practices to determine how they will handle the information they collect from you.

Applicability of This Privacy Statement to International Users: This Privacy Statement is provided in accordance with and subject to U.S. law. If you access this Website from a location outside of the United States, you agree that your use of this Website is subject to the terms of this Privacy Statement and the Terms of Service.

Minors: This Website is not intended for minors. If you are under the age of eighteen (18), you are not authorized to use this Website. We do not knowingly collect, use, or disclose information about minors under the age of thirteen (13) without the consent of their parents or legal guardians. In an instance where such information is or was collected, it would be purely accidental and unintentional.

Rights of California Residents: Under California’s Consumer Privacy Act of 2018, Cal. Civil Code § 1798.100 et seq. Website visitors who are California residents may request and obtain a notice once a year about the personal information CONSTRUCTION PRO'S INSURANCE SERVICES shared with other businesses for their direct marketing purposes. Such a notice will include a list of the categories of personal information that was shared (if any) and the names and addresses of all third parties with which the personal information was shared (if any). The notice will cover the preceding calendar year. To obtain such a notice, please contact us as described below. In addition, under this law, you are entitled to be advised how our Website handles “do not track” browser signals. As described above, CONSTRUCTION PRO'S INSURANCE SERVICES does not use technology that recognizes do-not-track signals from your browser.

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Changes to Privacy Statement

The Privacy Statement is subject to change at any time. It was last changed on November 28, 2023. If we make changes to this Privacy Statement, we will update the date it was last changed. Any changes we make to this Privacy Statement become effective immediately when we post the revised Privacy Statement on this Website. We recommend that you review this Privacy Statement regularly for changes.

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Questions or Concerns?

Any questions, concerns, or complaints about this Privacy Statement or our privacy practices should be directed to CONSTRUCTION PRO'S INSURANCE SERVICES via our Contact Us form.