USE OF THIS WEB SITE
This web site is maintained by GNY Insurance Companies, 200 Madison Avenue, New York, New York 10016 (212) 683-9700. Any comments regarding use of this site should be directed to: firstname.lastname@example.org.
This web site is directed to those individuals and entities located in the United States. It is not directed to any person or entity in any jurisdiction where, by reason of nationality, residence, citizenship or otherwise, the publication or availability of the web site and its content, including its products and services, are unavailable or otherwise contrary to local laws or regulations. If this applies to you, you are not authorized to access or use any of the information on this web site. GNY makes no representation that the information, opinions, advice, or other content on the web site is appropriate, or that its products and services are available outside of the United States. Those who choose to access this Web Site from other locations do so at their own risk and are responsible for compliance with applicable local laws.
Access to, and retrieval of, non-proprietary content from this site is voluntary and unrestricted. This site is not a solicitation by GNY of any individual, group, entity, or market in any particular jurisdiction. By maintaining this passive website, GNY cannot be construed as doing or transacting business, or as otherwise being subject to the jurisdiction of any governmental authority, of any country, state, or locality in which the user of this or any linked site, server, vendor, or internet provider is resident, domiciled, or located.
WHY WE COLLECT AND USE INFORMATION
We collect and use Information for business purposes regarding our insurance products and services and other business relations involving our customers. In particular, we gather this information to evaluate your request for insurance, to evaluate your insurance claims, to administer, maintain, or review your insurance policy, to process your insurance transactions, or to acquire information that may be required or permitted by law.
We receive most if not all of this information from your insurance broker, who may also use the information to help with your overall insurance program or to market additional products and services to you. We may also use your information to offer you other products or services that we or our affiliates provide.
Not all of the products and services described on this web site are available in all geographic areas of the United States, or you may not be eligible for all of the insurance products and services described in this web site. GNY reserves the right to determine all eligibility for such products and services in its sole discretion.
The web site may provide a general description of certain types of insurance products, coverage, and services available through GNY. These descriptions are not a part of an insurance contract or policy, and do not amend, revise, or alter the terms of any policy issued by GNY.
INFORMATION GNY INSURANCE COMPANIES COLLECTS
The only information GNY Insurance Companies collects from web site users, including brokers, is contained within electronic mails web site users voluntarily send to us.
We invite job seekers, members of the press, and others with general inquiries to contact GNY by electronic mail with links through the website, email@example.com. Electronic mail sent to that address is received by GNY Insurance Companies' Human Resources Department. GNY Insurance Companies does not collect any of information it receives via firstname.lastname@example.org in any database. In addition, GNY Insurance Companies does not knowingly collect any information from minors.
NOTICE TO CONNECTICUT CLAIMANTS CONCERNING THE COLLECTION OF SOCIAL SECURITY NUMBERS
We comply with Connecticut's General Statutes, Title 42, § 42-470 and § 42-471, and do not do any of the following, which are prohibited or restricted by § 42-470 in your State:
(1) We do not publicly post or publicly display in any manner an individual's Social Security number;
(2) We do not print an individual's Social Security number on any card required for the individual to access products or services provided for that person;
(3) We do not require an individual to transmit that individual's Social Security number over the Internet; even though Connecticut law permits us to gather such information on a secure connection or where the Social Security number is encrypted; and
(4) We do not require an individual to use his or her Social Security number to access an Internet web site, even though Connecticut law permits us to establish a password or unique personal identification number or other authentication device to access the Internet web site
We do collect, use, and release Social Security numbers as required by State or federal law, and for internal verification, investigation, and administrative purposes. We refer you to § 42-470 (d), which provides: "This section does not prevent the collection, use or release of a Social Security number as required by state or federal law or the use of a Social Security number for internal verification or administrative purposes."
We collect Social Security numbers on all claimants who have made a claim for bodily injury or medical expenses with our companies. Not only is this information necessary for us to uniquely identify each claimant, but we are legally required to use these numbers in providing information to the United States government, including Medicare, to identify persons to whom, or to whose health providers or related persons, we have made payment or are being requested to make payment.
For more information on how we protect your privacy against unlawful and unwarranted disclosure, we refer you to the section of this message entitled "HOW THE DATA GNY INSURANCE COMPANIES COLLECTS IS STORED AND PROTECTED."
PRODUCER AND PRODUCER PORTAL
GNY Insurance Companies believes that its insureds and potential insureds are best served by working with a producer to procure insurance policies from GNY Insurance Companies. Therefore, GNY Insurance Companies does not sell insurance directly to the public or collect any personal information directly from the public. Except in those states that require the use of agents, GNY accepts business only through independent producers who are not agents of GNY Insurance Companies. To locate a producer in your area, please click here. Your producer has access to GNY's producer portal on GNY's website, through which your producer may (1) forward an electronic mail to GNY Insurance Companies and (2) view reports including your Billing Statements, Loss Runs, and Production Reports. You should discuss what information your producer will and will not submit to GNY Insurance Companies by this web site.
The only information GNY Insurance Companies collects on the website from web site users, including brokers, is contained within electronic emails web site users voluntarily send to us.
HOW THE DATA GNY INSURANCE COMPANIES COLLECTS IS STORED AND PROTECTED
GNY Insurance Companies is committed to the safety and security of your personal information. E-mail submissions over the Internet may not be secure and are subject to the risk of interception by third parties. Please consider this fact before e-mailing any information. Though we cannot guaranty that your information is secure, we have taken extraordinary steps to protect your information. GNY Insurance Companies collects data by way of the producer portal on its webpage. The producer portal requires the producer to log in by a producer-specific identification name and password. The information on the additional users is stored in a MYSQL database and is used to authenticate the users when they log in and to return to them the correct access to areas of the portal that include reports and content. This information is protected by being on a separate, non-public-facing server that is behind a firewall and which can only be accessed by people with correct security rights.
You agree not to submit or transmit any e-mails or materials through the web site that (i) are defamatory, threatening, obscene or harassing, (ii) contain a virus, worm, Trojan horse, or any other harmful component, (iii) incorporate copyrighted or other proprietary material of any third party without that party's permission, or (iv) otherwise violate any applicable laws. GNY shall not be subject to any obligations of confidentiality regarding any information or materials that you submit online except as specified in this privacy statement, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.
GNY INSURANCE COMPANIES MAY DISCLOSE PERSONAL INFORMATION TO ASSIST IT IN THE BUSINESS OF INSURANCE
In order to provide the best service to you, GNY Insurance Companies may in its discretion share your personal information with professionals that GNY Insurance Companies retain, including investigators, outside adjusters, or experts. As a condition of accepting such information, each of those entities must agree to protect your personal information as required by law. GNY Insurance Companies may also disclose your personal information without your permission or knowledge if required by law, in cases involving criminal activity or fraud, or if directed by a State Insurance Department or by Court Order.
GNY INSURANCE COMPANIES, YOUR PRODUCER, AND TWO ADMINISTRATIVE VENDORS HAVE ACCESS TO THIS INFORMATION
Only GNY Insurance Companies, your producer, and two of our administrator vendors, Adams and Knight, and Rackspace, will have access to your information. GNY Insurance Companies does not share with, sell, or lend your confidential information to, anyone, other than as stated above.
YOUR PERSONAL INFORMATION MAINTAINED BY GNY INSURANCE COMPANIES
Please write or email GNY Insurance Companies at Privacy@gny.com to request a copy of personal information your producer has provided to us. When you email, please indicate your name, address, policy number, and claim number (if applicable), and a phone number where you can be reached.
LINKS TO OTHER WEBSITES
SCOPE OF USE AND USER E-MAIL
You are only authorized to view, use, copy for your records, and download small portions of the content of this website (including, without limitation, text, graphics, software, audio, and video files and photos) for your informational, non-commercial use, provided that you leave all the copyright notices, including copyright management information, or other proprietary notices, intact. You may not store, modify, reproduce, transmit, reverse engineer, or distribute a significant portion of the content of this web site, or the design or layout of the web site, or individual sections of it, in any form or media. The systematic retrieval of data from the web site is also prohibited.
The commercial use, reproduction, transmission, or distribution of any information, software, or other material available through the web site without the prior written consent of GNY is strictly prohibited.
THE WEB SITE, AND ANY CONTENT, ARE PROVIDED TO YOU ON AN "AS IS," "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, STATUTORY OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, SYSTEMS INTEGRATION, ACCURACY, AND NON-INFRINGEMENT, ALL OF WHICH GNY EXPRESSLY DISCLAIMS. GNY DOES NOT ENDORSE, AND MAKES NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF THE CONTENT OF THIS WEB SITE, AND WILL NOT BE LIABLE OR OTHERWISE RESPONSIBLE FOR ANY FAILURE OR DELAY IN UPDATING THE WEB SITE OR ANY OF ITS CONTENT. WE HAVE NO DUTY TO UPDATE THE CONTENT OF THE WEB SITE. GNY MAKES NO REPRESENTATIONS OR WARRANTIES THAT USE OF THE CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR ANY RESULTS OR OTHER CONSEQUENCES OF ACCESSING THE WEB SITE AND USING THE CONTENT, AND FOR TAKING ALL NECESSARY PRECAUTIONS TO ENSURE THAT ANY CONTENT YOU MAY ACCESS, DOWNLOAD, OR OTHERWISE OBTAIN IS FREE OF VIRUSES OR ANY OTHER HARMFUL COMPONENTS. THIS WARRANTY DISCLAIMER MAY BE DIFFERENT IN CONNECTION WITH SPECIFIC PRODUCTS AND SERVICES OFFERED BY GNY. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMER MAY NOT APPLY TO YOU. YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.
GOVERNING LAW, LOCATION AND MISCELLANEOUS
The content of this web site and the legal terms used in it are governed by the laws of the State of New York, without reference to its choice of law rules. If New York law conflicts with any part of this privacy statement, the terms of this web site will be deemed modified to conform to the law. The other provisions will not be affected by any such modification.
IF YOU HAVE ANY QUESTIONS REGARDING THIS POLICY, PLEASE WRITE TO:
GNY Insurance Group
200 Madison Avenue, 3rd Floor
New York, New York 10016
Tel: (212) 683-9700
Fax: (212) 843-1962
Last modified July 30, 2009