Terms and conditions

SENTRY INSURANCE AGENCY, INC. TERMS OF USE 

Thank you for visiting https://www.insured-by.com/. This Website is owned and operated by SIA Insurance Agency, Inc. (“SIA”).  SIA and its affiliated companies offer a range of websites, and other online services, including https://www.insured-by.com/ website (the “Website”) (collectively, the “Services”). References to “We,” “our,” “us” or “SIA” refer to SIA Insurance Agency, Inc., our affiliated companies, and our collective online Services. References to “You” or “your” means and refers to you and your status as a visitor to or user of the Services. 

USE OF THE SERVICES AND ACCEPTANCE OF TERMS. 

Please carefully review the terms of use for each of our Services (“Terms of Use”) and the terms and conditions of our Privacy Policy BELOW before using or accessing any of our Services. These Terms of Use contain important information regarding use of and access to our Services, your obligations, legal rights and remedies, as well as various limitations and exclusions. PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY BEFORE USING OR ACCESSING ANY OF THE SERVICES. BY USING OR ACCESSING OUR ONLINE SERVICES, YOU ARE AGREEING TO BE BOUND BY AND ACKNOWLEDGE YOUR ACCEPTANCE OF THESE TERMS OF USE. 

If you do not agree to be bound by these Terms of Use, or if you do not agree with our Privacy Policy, please do not use or access the Services offered through our Website, or any other software, tools, or Services we may provide. By browsing, submitting information to, accessing materials, information or the Services, registering for an account or otherwise using the Services, you acknowledge and agree to be bound by and comply with these Terms of Use. 

From time to time, we may update these Terms of Use, our Privacy Policy and other terms and conditions that may govern your access or use of the Services including our Website or other software, tools, or Services we may provide. For significant changes to these Terms of Use, we will notify you by posting a prominent notice on our Website indicating at the bottom of the Terms of Use when it was most recently updated or by other means of notification.  As such, we encourage you to please check the Terms of Use periodically for material changes. You agree to be bound by all the provisions of these Terms of Use that are displayed on the Website or with the applicable Service on the date you use the Service. Your continued use of any of our Services indicates your acceptance of all of the provisions of these Terms of Use that are displayed on the Website on the date of such use. 

MATERIALS AVAILABLE THROUGH THE WEBSITE AND SERVICES. 

Depending on the role of a user and/or the types of Services being accessed or utilized by a user, a user may have access to various types of content, materials and tools through the Website and Services, including but not limited to, Third-party Materials, Association Materials, Insurance Materials and/or SIA-owned Content and Materials as such terms are individually defined below (collectively referred to herein as “Materials”). 

SIA and its suppliers, partners, and licensors may make available such Materials through the Website and other Services. The Materials are provided solely for educational and informational purposes. The Materials may contain errors in facts or information from time to time. Before you act in reliance on any facts or information in any Materials, you should confirm any facts that are important to your decision. SIA makes no representations or warranties as to the reliability, accuracy, timeliness, usefulness, or completeness of any Materials or any facts, content, information or data contained therein. SIA matches associations to preferred Brokers who are licensed as property and casualty insurance brokers in Florida (and other states), and is compensated for its services by a licensed broker (not by the association). SIA does not market, sell, issue, or service insurance policies, and is not responsible for the insurance that an association purchases. 

SIA is not responsible for, and has no control over, the content of any such Association Materials, Third-party Materials or Insurance Materials that may be provided or accessible through our Services. You understand that SIA cannot, and does not, guarantee or warrant that the Materials, from any source, that are available for access or downloading through this Website or the Services are or will be free of errors or defects, contain complete and accurate information or are or will be free of infection, viruses, worms, Trojan horses or other code or defects that contain or incorporate contaminating or destructive properties. 

Third-party Materials. 

The Website and Services may contain certain downloadable materials provided by outside third-parties and vendors, such as, but not limited to, insurance carriers, insurance brokers and/or agents (“Third-party Materials”). 

Permitted Use of Third-Party Materials. End Users shall have the right to use these Third-party Materials solely for use in connection with their registered End User role and for business and institutional purposes. These Third-party Materials may not be sold, licensed, leased or used to create derivative works except as expressly permitted in writing by SIA. 

SIA-owned Content and Materials. 

The Website and Services contain certain materials and content developed by SIA that may be available for downloading and use by users, such as, but not limited to, insurance information, insurance premium information, and.or other records. These materials are posted publicly on SIA’s Website and are available for use by users for personal use only. Other SIA-owned content that is available to certain registered users may include, but are not limited to, board education and training materials, and other documents related to certain associations in connection with their registered End User role, and personal, business and institutional purposes. 

RESTRICTIONS ON USE. 

You acknowledge that this Website, the Services, the Materials and any underlying technology used in connection with this Website and/or the Services, including all software, material, information, graphics, animations, audio, video, photos, and other data, available on this Website or through the Services provided by SIA, its licensors, vendors or approved third-party providers, are the copyrighted works of SIA or such third parties. Except for the permitted uses expressly stated above, you may not use, copy, distribute, republish, resell, upload, post or transmit any Materials without the prior written consent of SIA. Modification of the Materials for any purpose may violate SIA, or a third party’s intellectual property rights. The Materials provided on the Website and through the Services are provided for use in accordance with the permitted uses set forth above and lawful purposes only. 

USER SUBMISSIONS. 

All personally identifiable information, including, but not limited to, first name, last name, mailing address, email address and telephone number (collectively “PII”) and content, designs, ideas, graphics, or other information that you send to us or otherwise make available through this Website or the Services (together, the “Submissions”), is and remains your property. SIA’s practices relating to the use and protection of any PII provided to SIA through the Website are detailed in SIA’s Privacy Policy (as described below). You consent to SIA’s collection, use, storage and transmission of such Submissions, including any PII, for SIA’s Business Purposes and activities (as such terms are defined in our Privacy Policy). 

By sending, commenting, reviewing, uploading, posting or otherwise making available any Submissions, you automatically represent and warrant you have rights as owner of the Submissions to grant to SIA the required permission and license for use of such Submissions, and you do hereby grant to SIA a perpetual, royalty-free, fully-paid up, non-exclusive right and license to use, reproduce, modify, publish, distribute, perform, display, store, disclose consistent with the terms of the Privacy Policy, and transmit the Submissions through the Website and/or the Services, for any and all commercial and non-commercial purposes. You acknowledge that you are responsible for all Submissions that you submit, and you, not SIA, have full responsibility for the Submissions, including their legality, reliability, appropriateness, originality, and/or copyright. You further agree that you will not, directly or indirectly, make any defamatory comments or remarks, as defined by law, about SIA or any of its employees in any user Submissions. 

Any Submission posted to the public facing and publicly accessible portions of the Website or other publicly accessible Services will be deemed to have been provided as not being confidential information and treated as NOT CONFIDENTIAL. By posting a Submission, you represent and warrant that you own or otherwise control all of the rights to your Submission as described in these Terms of Use including, without limitation, all the rights necessary for you to provide, post, upload, input or submit your Submissions.  

In addition to the representations and warranties set forth above, by posting a Submission, you represent and warrant that: (a) the Submission is an original work and you are the copyright owner of your Submission or you have all required licenses and permission of the copyright owner(S) of the Submission an all content therein, to provide, present and use the copyrighted work in the manner of use, display or performance on our Website, and with our other Services, and (b) you currently possess and hold all rights necessary to grant the licenses and permissions to SIA, End Users and others, described in these Terms of Use or otherwise necessary for the purposed use thereof. You acknowledge that SIA is not responsible for the accuracy, content or message of any Submissions. All Submissions, whether publicly posted or privately transmitted, are the sole responsibility of the End User, Association or persons from whom such Submissions originated or were supplied to and through our Services. This means that you, and not SIA, are entirely responsible for all Submissions that you post or provide to the Website and Services. 

SECURITY MEASURES. 

SIA has taken reasonable and appropriate steps and has employed industry-standard practices and technology to ensure the integrity and confidentiality of personally identifiable information (PII); but because even the most secure computer system can be violated, SIA cannot guarantee absolute security. Please review SIA’s Data Security and Privacy Protocol BELOW for more information regarding SIA’s security protocol. 

IMPORTANT: Please keep in mind that whenever you voluntarily disclose information about yourself in the public domain, it is likely to be collected and used by third parties. These third parties may use your information to contact you or for unauthorized purposes. Also, please remember that no one can guarantee the absolute security of information transmitted electronically. 

OBLIGATIONS OF VISITORS. 

You agree not to do any of the following while visiting or using the Website or any Services provided by or through the Website or pertaining to the Website or Services: 

  • restrict or inhibit any other authorized user from using, accessing or enjoying the Website or the Services;
  • impersonate any person or entity or falsely state or otherwise misrepresent your professional or other affiliation with any person or entity or indicate that you are an employee or representative of SIA when you are not;
  • post, transmit, upload or otherwise introduce into our Services unlawful, offensive, threatening, abusive, libelous, false, defamatory, obscene, vulgar, pornographic, profane or indecent information, Submissions or content of any kind, including, without limitation, any images or other material depicting nudity, obscenity or other prohibited or unlawful content or actions;
  • post, transmit, or introduce Submissions, comments or material containing harassing or offensive language or engage in disruptive activities online or into our Services;
  • post, transmit or introduce into our Services any information, software or Submissions which contains a virus, Trojan horse, worm or other harmful component;
  • post, transmit or introduce any unsolicited advertising, promotional materials, “junk mail,” “spam,” “chain letters” or any other form of solicitation on the Website or through the Website or the Services;
  • post, upload or transmit any material or Submissions that is or contains content, information or data that is fraudulent or violates or infringes the proprietary or other rights or privacy of others, including material that violates privacy rights or publicity rights, or infringes copyright, trademark or other intellectual property and/or proprietary rights;
  • post, transmit or upload into our Services Submissions or material that encourages or provides instructional information about illegal activities, in particular hacking, cracking or distribution of counterfeit software;
  • solicit other users to join or contribute money to any online service or other organization, advocate or attempt to get users to join in illegal schemes or plan or participate in scams involving other users;
  • violate any applicable law or regulation, including without limitation any local, state, provincial, national or international law, any export control laws, or any regulations promulgated by any state or federal authority;
  • access or use password protected, secure or non-public areas of the Website or the Services without properly registering or authorization;
  • frame, repackage, or otherwise redistribute any portion of the Website or the Services; or
  • use the Website or any Services to collect personally identifying information about users of the Website or the Services, or conduct any activity in violation of SIA’s Privacy Policy.

In SIA’s sole and absolute discretion, SIA may terminate or suspend your access to the Website and/or the Services at any time, and without notice and for any reason or no reason, including, but not limited to, as a result of your violation or threatened violation of any of the obligations described above or of SIA or a third party’s privacy, or intellectual property rights. SIA shall have no liability or responsibility to you or any third party as a result of such termination or suspension. The terms and conditions provided in these Terms of Use will survive any such termination of your use or agreement with us regarding use or access to the Services or any acts or omission you may undertake or instructed others to do so. 

THIRD-PARTY WEBSITES. 

This Website may contain links to external sites operated by Third Parties (“Third-Party Sites”).  SIA shall not be responsible for, and has no control over, the content, services or actions that may be displayed, observed, experienced, posted, displayed or performed on any such Third-Party Sites. You understand that SIA cannot and does not guarantee, represent or warrant that the Third-Party Sites, or any websites, files, content, data or software of any kind, available from such Third-Party Sites, will operate correctly or without error or will be free of infection, viruses, worms, Trojan horses or other code or defects that contain or incorporate contaminating or destructive properties. Links to Third-Party Sites or other websites do not imply an endorsement of the materials, products, content, data, services, available activities, opinions, or ideas displayed on, or disseminated at or through those Third-Party Sites, nor does the existence of a link to SIA’s Website or Services imply that the organization or person publishing at that Third Party Site endorses any of the materials or ideas at this Website or Services. SIA reserves the right to disable links from Third-Party Sites to any of SIA’s Services at any time without prior notice. 

PRIVACY POLICY. 

Our policies concerning the use of your personal information are set forth in our Privacy Policy BELOW. The terms of the Privacy Policy are incorporated herein by this reference. Please carefully review the information contained in the Privacy Policy.  By using this Website, the Services and/or the Materials provided through this Website or the Services, you agree to waive and release SIA from any claim or liability in connection with the collection, use, or disclosure of information that is consistent with the terms of the Privacy Policy. 

INDEMNIFICATION. 

You agree to indemnify and hold SIA, and its affiliates, officers, agents, partners, and employees, harmless from any claim or demand, including reasonable attorney’s fees, made by any third party, including claims of infringement by third parties, due to or arising out of: (i) any Submissions you (or your authorized agent) submit, upload, post, email, or otherwise transmit through or about this Website and/or Services; (ii) your (or your authorized agents) use, access to or misuse of our Website and/or Services; (iii) any use or misuse of the Association Materials or Third-party Materials you (or your authorized agent) download or access through the Website or Services; (iv) any use, access to or misuse of the Insurance Materials you (or your authorized agent) purchase through the Website or Services; (v) your (or your authorized agents) connection to or entry into this Website or the Services; (vi) your (or your authorized agents) gross negligence or willful acts; or (vii) your (or your authorized agents) breach of these Terms of Use, Privacy Policy or any applicable terms and conditions applicable for our Services. 

TERMINATION. 

You may discontinue your participation in and access to the Website or Services at any time. Unless agreed to otherwise between SIA and user, you acknowledge and agree that SIA may terminate, suspend or block your or your authorized agents, or any End Users accessing the Services, using of all or part of the Website and/or the Services, or undertaking transactions through the Services, without prior notice and for any. You agree that upon termination, suspension, barring from or discontinuance of use or access to the Services for any reason, SIA may delete all information related to you on the Website or Services and may bar your access to the Website and/or your use of the Services. 

INTELLECTUAL PROPERTY. 

The Website and Services and certain of the Materials displayed on or through the Website and Services, including but not limited to certain of the Association Materials, Insurance Materials, Third-party Materials and SIA-owned Content and Materials are protected by copyright, trademark, and other intellectual property and laws of the United States or other applicable states, provinces countries, territories or jurisdictions. SIA, its licensors, third-party vendors and other applicable third-party content owners exclusively own all right, title and interest in and to the Website, Services and Materials and any content that may be available, downloaded or purchased, including but not limited to, the Insurance Materials, Association Materials, Third-party Materials and SIA-owned Content Materials, including all related and associated intellectual property rights. 

UNLESS IDENTIFIED AS DOWNLOADABLE, THE SENTRY-OWNED CONTENT AND MATERIALS, INCLUDING BUT NOT LIMITED TO, ALL DESIGNS, PHOTOGRAPHS, GRAPHICS, VIDEOS, AND OTHER IMAGERY, MAY NOT BE USED, COPIED, DOWNLOADED, REPUBLISHED, REPRODUCED, ADAPTED, MODIFIED, DISTRIBUTED, LICENSED, SOLD, TRANSFERRED, TRANSIATTED, STREAMED, BROADCASTED OR OTHERWISE EXPLOITED WITHOUT SIA’S PRIOR EXPRESS WRITTEN PERMISSION. SIA’S NAMES, TRADEMARKS, SERVICE MARKS, AND LOGOS THAT APPEAR ON THE WEBSITE MAY NOT BE USED IN ANY MANNER OR FOR ANY PURPOSE WITHOUT SIA’S PRIOR EXPRESS WRITTEN PERMISSION. 

All SIA-owned Content and Materials contained on the Website and displayed through the Services are copyrighted materials of SIA Insurance Agency, Inc. © 2023. All rights reserved. 

All trademarks, service marks, and logos referenced or appearing on the Website or through the Services are the property of SIA or their respective owners. 

DMCA AGENT POLICY. 

We respect the intellectual property rights of others, and require that the people who use this Website and/or the Services do the same. If you believe that your work appears on this Website or the Services and has been copied in a way that constitutes copyright infringement, please forward the following information to the Copyright Agent named below: (i) Your address, telephone number, and email address; (ii) A description of the copyrighted work that you claim has been infringed; (iii) A description of where the alleged infringing material is located; (iv) A statement by you that you have a good faith belief that the disputed use is not authorized by you, the copyright owner, its agent, or the law; (v) An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; and (vi) A statement by you, made under penalty of perjury, that the above information contained in your notice is accurate and that you are the copyright owner or are authorized to act on the copyright owner’s behalf. 

Copyright Agent: 

Bradley Pomp 
SIA Insurance Agency, Inc. 
2180 West SR 434 – Suite 5000 
ATTN: Agent 

Longwood, FL 32779 
Email: admin@insured-by.com 

GENERAL TERMS AND CONDITIONS. 

These Terms of Use will be governed and interpreted in accordance with the laws of the State of Florida, United States of America, notwithstanding any principles of conflicts of law. If any party institutes a lawsuit or other action or proceeding pertaining to these Terms of Use, any right or obligation of any party hereunder, or any breach of these Terms of Use, then the sole and exclusive venue and jurisdiction for filing and maintaining any such lawsuit or other action or proceeding shall be in the Courts sitting in Seminole County, Florida or the U.S. Middle District of Florida and each party waives the right to institute or maintain any such suit, action or proceeding in any other courts or forums whatsoever. 

By using the Website and/or Services, you consent and submit yourself to the personal jurisdiction of such court. You agree that in the event of a breach by you of any provision of these Terms of Use, SIA shall be entitled to seek and obtain injunctive or other equitable relief, or both, in each case without the requirement to post any bond or other form of security, and without such act constituting an election of remedies or disentitling SIA to each and every remedy available at law or in equity for a breach of this agreement by you. These Terms of Use, together with any applicable terms and conditions of sale, EULA, Management Agreements, SaaS Terms and Conditions, and the Privacy Policy constitute the entire agreement between the parties relating to the use of this Website and the Services. 

DISCLAIMER; LIMITED WARRANTY. 

SIA MAY MAKE CHANGES TO THIS WEBSITE OR THE SERVICES AT ANY TIME.  THE MATERIALS displayed, provided and/or accessED ON THE WEBSITE AND/OR THE SERVICES MAY be out of date, and/or may INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. THIS WEBSITE, THE SERVICES AND THE MATERIALS ON THIS WEBSITE AND THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.  SIA MAKES NO WARRANTY THAT THE WEBSITE, THE SERVICES or MATERIALS WILL ALWAYS BE AVAILABLE FOR USE. TO THE MAXIMUM EXTENT PERMITTED BY LAW, SIA EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND WITH RESPECT TO THE WEBSITE, THE SERVICES AND all MATERIALS OFFERED THROUGH THE WEBSITE AND/OR THE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. 

SIA DOES NOT WARRANT THAT THE WEBSITE OR THE SERVICES, THE FUNCTIONS CONTAINED ON THE WEBSITE OR THE SERVICES, OR THE MATERIALS accessed through THE WEBSITE or services WILL BE UNINTERRUPTED, TIMELY, SECURE, accurate OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, THAT MESSAGES OR REQUESTS WILL BE DELIVERED OR RECEIVED, OR THAT THE WEBSITE, THE SERVICES OR THE MATERIALS ON THIS WEBSITE OR THE SERVER THAT MAKES THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ARE RESPONSIBLE FOR ENSURING THAT YOU HAVE IMPLEMENTED PROCEDURES TO PREVENT SUCH CONTAMINATING COMPONENTS FROM INFECTING YOUR COMPUTER AND ITS DATA. SIA DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OF, OR THE RESULT OF THE USE OF THIS WEBSITE, THE SERVICES OR THE MATERIALS ON THE WEBSITE RELATED TO THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. TO THE EXTENT THAT APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. 

LIMITATION OF LIABILITY. 

IN NO EVENT WILL SIA BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND/OR CONSEQUENTIAL DAMAGES (INCLUDING WITHOUT LIMITATION THOSE RESULTING FROM LOST PROFITS, LOST DATA, STOLEN INFORMATION OR BUSINESS INTERRUPTION) ARISING OUT OF THE USE, INABILITY TO USE, OR THE RESULTS OF USE OF THIS WEBSITE, THE SERVICES, ANY WEBSITES LINKED TO THIS WEBSITE, THE MATERIALS OR INFORMATION CONTAINED ON ANY OR ALL SUCH SITES, MATERIALS, OR SERVICES WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY AND WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.  IN NO EVENT WILL SIA, OR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THIS WEBSITE, THE SERVICES OR ANY MATERIALS OFFERED THROUGH THE WEBSITE OR THE SERVICES BE LIABLE TO YOU IN ANY MANNER WHATSOEVER FOR ANY ACTION OR NON-ACTION TAKEN BY YOU IN RELIANCE UPON INFORMATION or MATERIALS PROVIDED THROUGH THIS WEBSITE OR THE SERVICES. TO THE EXTENT THAT APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.  SIA’S TOTAL LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, AND CAUSES OF ACTION RELATED TO THE WEBSITE, SERVICES, AND MATERIALS OR YOUR ACCESS OR USE OF THE WEBSITE, SERVICES OR THE MATERIALS OFFERED THROUGH THE WEBSITE or services WILL NOT BE GREATER THAN THE AMOUNT YOU PAID FOR THE MATERIALS PURCHASED THROUGH THE WEBSITE OR THE SERVICES THAT GAVE RISE TO SUCH CLAIMS. 

SERVERABILITY; WAIVER. 

If any provision of these Terms of Use are found by a court of competent jurisdiction to be void, invalid, unenforceable or otherwise contrary to law or equity, the remaining provisions of these Terms of Use that can be given effect without such void or unenforceable term or provision, shall be given full effect and binding on the parties. SIA’s failure to enforce strict performance of any provision of these Terms of Use, or to penalize any violation of these Terms of Use, does not constitute a waiver of future violations. 

PRIVACY POLICY. 

SENTRY INSURANCE AGENCY, INC. PRIVACY POLICY 

This privacy policy (“Privacy Policy”) describes how SIA Insurance Agency, Inc. (“SIA”) and its affiliated companies may collect, use and share information that we have obtained through your use of the https:// http://www.insured-by.com/ (“Website”), online services, and other related services (collectively, the “Services”). By using or accessing the Services you are consenting to the practices and policies described in this Privacy Policy and the other terms and conditions of this Privacy Policy.  “You” or “your” means and refers to you as a user of the Services. “We,” “our,” “us” or “SIA” refers to SIA Insurance Agency, Inc., our affiliated companies and our Services. 

BY ACCESSING OR USING THE SERVICES, YOU AGREE TO THE PRACTICES AND POLICIES OUTLINED IN THIS PRIVACY POLICY AND YOU HEREBY CONSENT TO THE COLLECTION, USE, AND DISCLOSURE OF CERTAIN INFORMATION AS DESCRIBED IN THIS PRIVACY POLICY. YOU AGREE TO BE BOUND BY ALL THE PROVISIONS OF THE PRIVACY POLICY THAT ARE DISPLAYED ON THE WEBSITE OR WITH ANOTHER SERVICE ON THE DATE YOU USE THE SERVICES. YOUR CONTINUED USE OF THE SERVICES, INDICATES YOUR ACCEPTANCE OF ALL OF THE PROVISIONS OF THIS PRIVACY POLICY DISPLAYED ON THE WEBSITE OR OTHER SERVICE ON THE DATE OF SUCH USE OR ACCESS. IF YOU DO NOT AGREE WITH THIS PRIVACY POLICY, YOU CANNOT USE OR ACCESS THE SERVICES AND SHOULD DISCONTINUE USE IMMEDIATELY. 

Our Privacy Policy is designed to provide transparency into our privacy practices and principles, in a format that our visitors and users of our Services can navigate, read and understand. We are dedicated to treating your personal information with care and respect. Please review the following Privacy Policy and contact us at info@insured-by.com if you have any questions or concerns. 

PRIVACY POLICY SCOPE: 

This Privacy Policy describes: 

  • Types of Information We Collect 
  • How We Collect Information
  • How We Process Your Information and Our Lawful Basis for Doing So
  • How We Share Your Information
  • How We Protect the Privacy of Children Online
  • Your Access to and Control Over Your Information
  • Persons Covered by the GDPR (General Data Protection Regulation); Additional Jurisdiction Specific Rights
  • California Privacy Rights – Notice to California Residents
  • Consent
  • Sensitive Data
  • Information Retention
  • Security
  • Third-Party Services
  • Email and Marketing Communications
  • Changes to our Privacy Policy
  • Contact Us

TYPES OF INFORMATION WE COLLECT: 

Within the last twelve months we have collected the following types of personal information from users of our Services for business or commercial purposes: 

  • Personal identifiers, such as your name, physical address, email address, phone number, IP address, device identifiers, and identifiers associated with cookies;
  • Commercial information such as records of purchase and transaction histories, company name, and units managed in your portfolio;
  • Information described in subdivision (e) Section 1798.80 of the California Civil Code such as your name, address and telephone number; insurance information; financial information; account information such as account balances, association charges and other account ledger information.
  • Financial information, such as credit card, ACH, bank account information and other banking information (through our third party payment processor only);
  • Electronic network activity, such as information about how you use, access, or interact with the Services;
  • Information related to maintenance and/or service requests;
  • Professional or employment-related information such as the company or Association for which you are an authorized End User and your title or position;
  • Geolocation information, such as city and state you provide, or location information derived from your interactions with the Services, subject to the settings on your device or browser;
  • User Data and Information (defined below) provided directly by End Users while using the Services;
  • Supplemental information provided by you as an End User while using the Services;
  • Records of communications with our customer support team for training and quality assurance purposes; and
  • Inferences regarding your preferences or other characteristics.

HOW WE COLLECT INFORMATION: 

Information Provided Directly by You. 

You actively provide information to SIA in various ways while using our Services. For example, you share information when you: 

  • Submit a service request for maintenance;
  • Send SIA an Email;
  • Call SIA;
  • Send mail or packages to SIA that includes information for use in our online Services;
  • Visit SIA’s office in person and provide information for use in our online Services; or
  • Request customer service or contact us by sending us a message through our “Contact Us” link on our Website.

Automatically Gathered Information. 

SIA automatically tracks certain information about you based upon your behavior while using the Services. This information is used to better understand and serve you by responding to your particular interests and needs. 

Usage Details. 

When you access and use the Services, we may automatically collect certain details of your access to and use of the Services, including traffic data, date and time you access the Services, the number of links you click within the Services and any third party website and sections within the Services that you access. 

Device Information. 

When you access the Services, we may collect information about your device and internet connection, including the device’s unique device identifier, IP address, geolocation, operating system, type of mobile device you use, browser type and network information. 

Use of Cookies (or mobile cookies). 

Our Services may use cookies to enhance the user experience while using our Services. Cookies are pieces of information that some apps and websites transfer to the computer or mobile device that is browsing that app or website and are used for record-keeping purposes by many apps and websites. Use of cookies makes web browsing easier by performing certain functions such as saving your passwords, saving personal preferences regarding your use of the website, and ensuring that you don’t see the same advertisement repeatedly. It may be possible to refuse to accept cookies by activating the appropriate setting on your device. However, if you select this setting you may be unable to access certain parts of our Services. 

By using or accessing or continuing to use or access our Services, you are agreeing to our use of cookies. We may choose to use any or all of the following cookies: 

  • Strictly necessary cookies. These are cookies that are required for the operation of our Services. They may include, for example, cookies that enable you to log into secure areas of our Services. 
  • Analytical/performance cookies. These allow us to recognize and count the number of visitors and to see how visitors move around our Services when they are using them. This helps us to improve the way our system works, for example, by ensuring that users are finding what they are looking for easily. 
  • Functionality cookies. These are used to recognize you when you return to our Services. This enables us to personalize our content for you and remember your preferences. 
  • Targeting cookies. These cookies record your visit to our Services, the pages you have visited and the links you have followed. We may use this information to make our Services and the advertising displayed more relevant to your interests. 

Please note that third parties (including, for example, advertising networks, payment processors and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. 

Use of Web Beacons. 

A “web beacon,” “clear GIF,” “web bug,” or “pixel tag” is a tiny graphic file with a unique identifier that is similar in function to a cookie, but allows us to count the number of users that have visited certain pages or screens of our Services, and to help determine the effectiveness of promotional or advertising campaigns, and for other related app statistics. 

HOW WE PROCESS YOUR INFORMATION AND OUR LAWFUL BASIS FOR DOING SO: 

Generally. 

We use your personal information to: 

  • provide the functionality, Materials and Services requested or purchased, including, but not limited to, preparing insurance proposals, communication updates, processing work orders;
  • fulfill your orders and requests for Materials and Services;
  • provide users with customer service and technical support;
  • provide users with a tailored experience when using our Services;
  • enhance functionality of our Services;
  • protect the security and integrity of our Services and help prevent fraud;
  • conduct analytics; and
  • send notifications pertaining to orders or requests.
  • Processing

We may process personal information for one or more of the following reasons: 

  • a legitimate business interest, such as providing the services requested and providing you with access to and use of the Services;
  • compliance with a legal obligation; 
  • to protect your vital interests or the vital interests of another person or entity; and/or 
  • other specific purposes for which you have given consent to the processing of your personal information. 

Information Provided By Potential Clients to Request a Proposal. 

Individuals, communities, associations or other organizations seeking to more information about SIA’s insurance program may submit a request for additional information, by using SIA’s Contact Us link on the Website. Users will be required to submit the name and zip code of their association/community, their first and last name and email address and may elect to provide their telephone number, street address, city, state, number of units, need for on-site services and a personal message. 

Supplemental Information Provided While Using the Services. 

Supplemental information may be requested and provided by users through the Services to facilitate the offering of Services and functionality requested or purchased by you or the Association Client for which you are an authorized End User of, including the following: 

  • User Data and Information includes information that we obtain or receive from you, related to the SIA Association Client of which you are an authorized End User, information related to SIA Association Client associations, communities and organizations, information related to the homeowners that reside within the SIA’s Association Client’s associations,  communities and organizations, as well as permanent records and other Association Materials provided by you or a SIA Association Client. 
  • We may collect and process the User Data uploaded or provided by you, in order to provide the Services requested or purchased by you, or the SIA Association Client for which you are an authorized End User of. 
  • Handling contact and support requests. If you send us an email through our “Contact Us” link to request user support, or if you contact us by other means including, but not limited to, via phone, we process your personal information to the extent it is necessary for our legitimate interest in fulfilling your requests, providing the Services to you and communicating with you. 

Providing and Promoting our Website and Services and its Security. 

We process your personal information by tracking your use of our Services, creating aggregated non-personal data, verifying accounts and activity, investigating suspicious activity, and enforcing our terms and policies to the extent it is necessary for our legitimate interest in promoting the safety and security of the Services, and in protecting our rights and the rights of others. 

We process your personal information to analyze trends and to track your usage of and interactions with our Services to the extent it is necessary for our legitimate interest in developing and improving our Services and providing our users with relevant content and service offerings, or where we seek your consent. We process device and usage data which in some cases may be associated with your personal information, to analyze trends and assess and improve the overall user experience to the extent it is necessary for our legitimate interest in developing and improving the services. 

Geo-location Information. 

When you use certain of our Services, we may collect information about your precise or approximate location as determined through your IP address, GPS, or nearby devices (Wi-Fi access points, cell towers, etc.) to provide the Services. 

Marketing and Communications. 

From time to time your personal information, such as your name, phone number, email address or mailing address, may be used to contact you with SIA promotional materials, newsletters, information pertaining to your homeowners association, or other information that may be of interest to you based on your preferences. You may be contacted by the phone number or e-mail address you provide to us. We may contact you in this way based on our legitimate interest in undertaking marketing activities to provide you with the most up-to-date information on our Services and other products and services you may be interested in based on your preferences. By providing your contact information you have opted-in to receive direct marketing and commercial information by means of allowable electronic communications. You can withdraw your consent to receive any direct marketing communication from us by emailing info@insured-by.com or following the unsubscribe instructions in our email communications. 

Non-Personal Information. 

We collect and create de-identified and aggregated information and other non-personal information, which is not related to an identified or identifiable natural person (“Non-Personal Information”). You agree that SIA owns, without restriction, all Non-Personal Information and that you have no rights in or to any Non-Personal Information. Because Non-Personal Information cannot be used to personally identify you, you agree we may use such information for any lawful purpose. 

HOW WE SHARE YOUR INFORMATION: 

Generally. 

We do not sell, share, or otherwise transfer your personal information to third parties, except for sharing your personal information with our third-party service providers and partners in furtherance of SIA’s Business Purposes as described below. We may also share your personal information when we believe sharing is necessary to comply with applicable law, enforce our policies, or protect our or others’ rights, property, or safety. 

We may share your personal information with other trusted third-party companies and individuals to provide and improve the Services, facilitate and complete transactions, requested services, process payments, analyze use of our Services, perform analytics and produce statistics on the Services, or deliver other requested services and features to you. These third-party service providers may include, but are not limited to, payment processors, insurance service providers, insurance brokers, agents and carries, and mail/parcel delivery service providers. These third-party service providers are contractually bound to only process the limited personal information we provide them to perform specific tasks at our direction. These third-party providers are bound to maintain the personal information they receive from SIA in accordance with this Privacy Policy. 

As a general rule, beyond the uses set forth above that assists us in carrying out SIA’s Business Purposes and provide the Services requested by you, we will not sell your personal information to third parties without your permission. 

Legal Requirements. 

As we may determine in our sole discretion, we may disclose personal information if required to do so by applicable law, including, without limitation, responding to a subpoena or request from law enforcement, court, or government agency, or in the good faith belief that such action is necessary to: (i) comply with a legal obligation; (ii) protect or defend our rights, interests or property or that of third parties; (iii) prevent, investigate, or identify possible wrongdoing in connection with the Services; (iv) act in urgent circumstances to protect the personal safety of customers, guests, or the public; or (v) protect against legal liability. 

We have disclosed the following categories of personal information to third parties for our operational business purposes within the preceding 12 months: 

Categories of Personal Information  

  • Identifiers – Name, email address, phone number, account name, address  
  • Commercial Information – Account balances, association charges, account ledger information.  

Categories of Third Parties 

  • This information is shared with third party payment processors and third party mailing and shipping service providers. 
  • This information may also be shared with third party professional service providers such as attorneys and CPAs when authorized or requested by you. 
  • This information is shared with third party payment processors. 

All third parties that we share information with for our business purposes are required to maintain their own privacy and security measures. Your information will be treated in accordance with such third-party’s privacy policies. 

HOW WE PROTECT THE PRIVACY OF CHILDREN ONLINE: 

Our Services are not intended for minors or children under 16 years of age and no part of our Services are designed or intended to attract anyone under the age of 16. We will never ask for or knowingly collect information from children, if you are a child under the age of 16, you are not permitted to use the Services. Consistent with the Children’s Online Privacy Protection Act, we will not knowingly collect any information from children under the age of 16. If you think that we have collected personal information from a child under the age of 16 through our Services please contact us by emailing info@insured-by.com and we will dispose of the information. 

YOUR ACCESS TO AND CONTROL OVER YOUR INFORMATION: 

You have options about the various ways we collect, use and store your personal information. 

Contact Us. 

You can also contact us through one of the options provided in the Contact Us section at the bottom of this Privacy Policy. 

PERSONS COVERED BY THE GDPR (GENERAL DATA PROTECTION REGULATION); ADDITIONAL JURISDICTION SPECIFIC RIGHTS: 

You may have certain additional rights relating to your personal information, subject to local data protection laws. If you are located in the European Union (EU) or European Economic Area (EEA), the following rights under the General Data Protection Regulation (GDPR) are available to you.  Depending on your jurisdiction, and the laws applicable to you, your rights may include the following: 

Accessing Personal Information. 

You can request details of your personal information we hold and a copy of such information. We will confirm whether we are processing your personal information and provide additional details including what kind of information we have about you, where we collected it, how we use it (including the legal basis for our processing), how long we expect to keep it, the categories of third parties with whom we share your information, details of any automated decision making or profiling and the safeguards regarding data transfers, subject to the limitations set out in applicable laws and regulations. If you ask us, we will provide you with a copy of your personal information free of charge. We may charge you a fee to cover our administrative costs if you request multiple copies of the same information or if the requests are manifestly unfounded or excessive. 

Editing and updating Personal Information. 

If you find that your personal information needs to be edited or updated, you can ask us to update it by contacting us. Please make sure to provide us with all the information we need to be able to address your request, including both the old and new information. 

Deletion, Erasure or Rectification of Personal Information. 

At your request, we will delete or rectify your personal information if: (i) it’s no longer necessary to retain your personal information; (ii) you withdraw the consent which formed the basis of your personal information processing; (iii) you have successfully objected to the processing of your personal information (see below); (iv) your personal information was processed unlawfully;  (v) we are required to delete your personal information to comply with any of our legal obligations; or (vi) the information is inaccurate and needs to be corrected. We will review requests on a case by case basis and we might not be able to comply with your request if we need to process your personal information: (i) for exercising the right of freedom of expression and information; (ii) to comply with our legal obligations; (iii) to establish, exercise or defend a legal claim; or (iv) to perform a task in the public interest. If we are unable to comply with your request for any of the forgoing reasons, we will notify you of the reasons why your request was rejected. 

Choosing to delete your personal information may impact your ability to use our Services and online features, including closure of your online account, termination of your status as an authorized End User of the CommunityPro® Portal. 

Restriction on Processing of Personal Information. 

You have the right to request us to limit the processing of your personal information if: (i) you dispute the accuracy of your personal information; (ii) your personal information was processed unlawfully and you request a limitation on processing, rather than a deletion of your personal information; (iii) we no longer need to process your personal information, but you need your personal information in connection with a legal claim; or (iv) you object to the processing of your personal information based on our legitimate interests pending verification as to whether we have an overriding legitimate ground for such processing. To the extent needed, we may still keep some of your data to ensure we comply with your request to limit processing, or for other legal purposes. 

Objecting to Certain Types of Processing Including Automated Decision Making. 

Where we process your Personal Information based upon our legitimate interests, you have the right to object to this processing on grounds relating to your particular situation if you feel it impacts your fundamental rights and freedoms. Where we process your personal information based upon our legitimate interests and where decisions are made by automated processing which has a legal or other significant effect on you, you may also object to such automated decision making. 

Portability of Personal Information. 

You can request us to send you your personal information in a structured, commonly used, machine-readable format so that it can easily be transferred and used by a third party. 

Withdrawing Consent. 

We primarily rely on legitimate business interests to process your personal information, but to the extent we use consent to process your personal information, you have the right to withdraw any consent you may have given us at any time. We will comply with your request promptly. If you withdraw your consent, we might not be able to provide some of our Services to you. 

Filing a Complaint with a Data Protection Authority. 

We will try to resolve any problems that you have but you are always able to contact your local data protection authority for assistance or to make a complaint. 

How to Exercise Your Rights. 

If you wish to exercise any of these rights, please email by emailing info@insured-by.com. We will respond to your request within 30 days of accepting it. Before accepting your request, we may need to ask for some identifying documentation from you, to make sure we don’t inadvertently provide your personal information to someone else. If you are not in the EU or EEA, or other jurisdiction that provides these rights as a matter of law, you can still apply for any of these rights, and we will comply where the request is reasonable in our discretion. 

CALIFORNIA PRIVACY RIGHTS – NOTICE TO CALIFORNIA RESIDENTS: 

Individuals who are residents of California and have provided their personal information to us may request information regarding our disclosures, if any, of their personal information to third parties for a third party’s direct marketing purposes. To learn more, please review your California Privacy Rights BELOW.  

CONSENT: 

When you provide us with personal information through our Services, through the mail, or over the phone, we imply that you consent to our collecting it and using it to carry out SIA’s legitimate Business Purposes. 

IMPORTANT: Except as stated herein as necessary to carry out SIA’s Business Purposes and to provide the Services, we do not sell your personal information to any third parties, including but not limited to advertisers, strategic partners or vendors. 

SENSITIVE DATA: 

We do not collect any Sensitive Data about you. Sensitive data refers to data that includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, or information about your health and genetic and biometric data. We do not collect any information about criminal convictions and offences. 

INFORMATION RETENTION: 

SIA has a legal duty to keep various records, for different periods of time, depending on their content and the state to which they pertain. SIA will retain your personal information only for so long as is necessary to implement, manage, and provide the services requested by you or the Association Client, or as required to comply with our legal and regulatory requirements, rules and obligations, which may vary based on the state in which you reside. When SIA no longer needs, nor is no longer required to maintain the information, SIA will remove it from its system. 

SECURITY: 

SIA uses technical, administrative, and physical measures to protect your personal information against accidental or intentional destruction, loss, alteration, unauthorized disclosure, or access and against other unlawful forms of collecting and processing. SIA follows industry standards and practices to help protect the confidentiality and integrity of your personal information that is collected and processed. Please review SIA’s Data Security and Privacy Protocol BELOW for more information regarding SIA’s security protocol.  

THIRD-PARTY SERVICES: 

In general, the third-party providers used by us, if any, will only collect, use and disclose your information to the extent necessary to allow them to perform the services they provide to us. However, certain third-party service providers, such as payment gateways and other payment transaction processors, have their own privacy policies in respect to the information we are required to provide to them for your purchase-related transactions. For these providers, we recommend that you read their privacy policies so you can understand the manner in which your Information will be handled by these providers. 

Our Services may contain links to other websites, applications, and services maintained by third parties in which case the privacy policy of such third party applies and this Privacy Policy does not apply. The information practices of such other services are governed by the third-party privacy policies, which we encourage you to review to better understand those third parties’ privacy practices. 

In particular, remember that certain providers may be located in or have facilities that are located a different jurisdiction than either you or us. Therefore, if you elect to proceed with a transaction that involves the services of a third-party service provider, then your information may become subject to the laws of the jurisdiction(s) in which that service provider or its facilities are located. 

Analytics/Performance Cookies. 

SIA uses analytic tools to analyze the performance of our Website and Services as well as how visitors use our Website and Services including: 

Google Analytics – For more information on Google Analytics cookies and privacy policies, visit policies.google.com/ . To opt-out of being tracked by Google Analytics across all websites visit https://tools.google.com/dlpage/gaoptout. This will allow you to download and install a Google Analytics cookie-free web browser. 

EMAIL AND MARKETING COMMUNICATIONS: 

We are committed to being compliant with the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003 (“CAN-SPAM Act”). All e-mails you receive from SIA are intended to fully comply with the CAN-SPAM Act. You can withdraw your consent to receive any direct marketing communication from us by contacting by emailing info@insured-by.com or following the opt-out instructions in our email communications. 

CHANGES TO OUR PRIVACY POLICY: 

We reserve the right to change the terms of this Privacy Policy at any time by posting those changes to this Privacy Policy, so that you are always aware of our processes related to collection, use and disclosure of your personal information. For significant changes, we will notify you by posting a prominent notice on our Website indicating when the Privacy Policy was most recently updated.  Please consult this portion of the Website regularly for important changes to the Privacy Policy as they occur. 

CONTACT US: 

Contact us by emailing info@insured-by.com 

SIA Insurance Agency, Inc. 

Attn: Risk Management 

2180 West SR 434, Suite 5000 

Longwood, Florida 32779 

DATA SECURITY AND PRIVACY PROTOCOL. 

Data Security and Privacy Protocol 
Technical and Organizational Measures 

The technical and organizational security measures (“TOMs”) and controls implemented by SIA Insurance Agency, Inc. (“SIA”) to protect Customer Data, including personal data and ensure the ongoing confidentiality, integrity, and availability of SIA’s products and services are described herein. SIA may, from time to time, make changes to these security measures and controls, but in so doing will not materially weaken its protection of Customer Data. 

  • Information Security Governance. 
    • SIA maintains dedicated staff responsible for the development, implementation, and maintenance of SIA’s information security program. 
    • SIA implements a set of policies for information security that are defined, approved by management, published, and communicated to personnel and relevant external parties. 
    • SIA regularly reviews the policies for information security at planned intervals or if significant changes occur to ensure their continuing suitability, adequacy, and effectiveness. 
    • SIA implements audit and risk assessment procedures for the purposes of periodic review and assessment of risks to the SIA organization, monitoring and maintaining compliance with SIA policies and procedures, and reporting the condition of its information security and compliance to executive management. 
    • SIA values the confidentiality of information and adheres to requirements for confidentiality or non-disclosure agreements reflecting the organization’s needs for the protection of such information are identified, regularly reviewed, documented, and enforced. 
  • Information Security Training. 
    • SIA requires that new personnel complete security awareness training as part of the on-boarding process. 
    • SIA ensures that all employees of the organization and, where relevant, contractors receive regular, but at least annually, and appropriate awareness education and training and regular updates in organizational policies and procedures, as relevant for their job function. 
    • Employees and, where relevant, contractors complete regular, but at least annually, data protection training as relevant for their job function. 
  • Data Protection.  
    • SIA engages in information assets classification to classify information in terms of legal requirements, value, criticality and sensitivity to unauthorized disclosure or modification.
    • SIA maintains identified, documented, and implemented acceptable use standards of information, the assets associated with the information, and information processing facilities.
    • SIA storage media is disposed of securely, ensuring data is rendered unrecoverable, when no longer required or prior to reuse, using formal procedures.
    • SIA has an established access control policy which is, documented, and reviewed based on business and information security requirements. The controls include:
      • Access controls for workspaces,
      • Access controls for IT systems, and
      • Access controls for apps and data.
      • SIA actively engages in security controls which include logical segregation of data, restricted (e.g., role-based) access, monitoring, and where applicable, utilization of industry-standard encryption technologies.
      • SIA actively engages in data security controls for requesting, approving, revoking, and revalidating user access to systems and applications. Only personnel with clear business need will be provided access to systems and applications with personal data.
      • SIA has a designated Network Systems and Security Director.
      • Employees receive work instructions and guidelines regarding confidentiality and data protection as relevant for their job, to ensure compliant handling of personal data.
      • Sub processors and service providers are carefully selected and are bound to SIA’s processing restrictions. Incidents are notified to SIA without undue delay.
    • Technical Security Controls.  
      • SIA implements detection, prevention, and recovery controls to protect against malware, combined with appropriate user awareness.
      • SIA regularly scans to detect technical vulnerabilities and apply appropriate mitigation actions to reduce the associate risk and exposure to such vulnerabilities.
      • SIA regularly patches and updates, in a timely manner, systems and applications based on the severity of identified vulnerabilities.
      • SIA monitors various information sources to ensure knowledge of and response to relevant threats.
      • SIA networks are managed and controlled to protect information in systems and applications and segregates groups of information services, users, and information systems as appropriate. This includes separation of networks for processing, administration and supporting services in case of high protection requirements.
      • SIA applies appropriate protections at the network edge, including stateful firewalls to filter attacks.
      • SIA ensures information involved in electronic messaging will be appropriately protected.
      • SIA information involved in consulting services passing over public networks is protected from fraudulent activity and unauthorized visibility to the extent commercially practical.
      • SIA implements password controls designed to manage and control password strength and usage. Company prohibits users from sharing passwords and accounts.
      • SIA ensures that all remote access to internal networks, systems and applications are protected by multi-factor authentication.
      • SIA protects internal devices utilizing security controls including automated locking screen saver, antivirus software, firewall software, hard disk encryption and appropriate patch levels.
    • Physical security. 
      • SIA ensures physical security perimeters are defined and used to protect areas that contain either sensitive or critical systems and information.
      • SIA ensures secure areas are protected by appropriate entry controls to ensure that only authorized personnel, based on job role, are allowed access.
      • SIA ensures that non-authorized personnel are logged and escorted in areas that contain either sensitive or critical systems and information.
      • SIA ensures that secure areas containing sensitive or critical systems and information monitor for environmental hazards such as heat, fire, and water damage.
    • Secure Software Development Lifecycle. 
      • SIA ensures principles, including such principles similar to Privacy by Design, for engineering secure systems are established, documented, maintained, and applied to any information system implementation efforts.
      • SIA ensures testing of security functionality is carried out during development and that acceptance testing programs and related criteria are established for new information systems, upgrades, and new versions.
      • SIA ensures test data is selected carefully, protected, and controlled.
      • SIA ensures that changes to systems and applications undergo and appropriate change management procedure designed to test, approve, and monitor changes to the SIA environment.
    • Logging and Monitoring.  
      • SIA maintains a central repository of security records and ensures collection of such records from all relevant information technology infrastructure. These logs will be maintained for a minimum of one year.
      • SIA ensures all user access activities, including successful and failed logins, are maintained in the central repository.
      • SIA ensures information security logs are actively monitored and events are reported through appropriate management channels as quickly as possible and will ensure information security incidents are responded to in accordance with the documented procedures.
    • Incident Response.  
      • SIA has an established, documented Information security event response program.  Events are with reported through appropriate management channels as quickly as possible.
      • SIA ensures information security incidents, including privacy related incidents are responded to in accordance with the documented procedures and compliance requirements. SIA will follow documented incident response processes, including notification to the impacted parties without undue delay.
      • SIA ensures the Incident Response process includes a detailed investigation to identify root cause of the event and to document and incorporate lessons learned.
    • Disaster Recovery and Business Continuity.  
      • SIA determines its requirements for information security and the continuity of information security management in adverse situations, e.g., during a crisis or disaster.
      • SIA will document and maintains procedures to maintain business continuity and recover from a disaster.
      • SIA maintains a backup policy to define the organization’s requirements for backup of information, software, and systems.

    CALIFORNIA PRIVACY RIGHTS. 

    If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with additional rights and options regarding your personal information. 

    Right to Access and Right to Know. 

    You can request access to a copy of the personal information that we have about you, including a list of categories of your personal information that we have collected and used over the past 12 months. We will provide to you the following information (to the extent required by law): 

    • The categories of personal information we have collected about you. 
    • The categories of sources from which we collect your personal information. 
    • The business or commercial purpose for collecting or selling your personal information. 
    • The categories of third parties with whom we share your personal information. 
    • The specific pieces of personal information we have collected about you. 
    • The categories of personal information that we have disclosed for a business purpose, along with the category of any other company we shared it with. 
    • The categories of personal information that we have sold, along with the category of any company we sold it to. If we have not sold your personal information, we will say so. 

    Right to Information Portability. 

    You can request the transfer of your personal information to you or to a third party. We will provide to you, or a third party you have chosen, your personal information in a commonly used, machine-readable format. 

    Right to Correct Information. 

    You have the right to request that we correct any inaccurate personal information. 

    Right to Deletion. 

    You have the right to request that we delete the personal information that we have collected and retained, subject to certain exceptions. Once we receive a request, we will delete (to the extent required by law) the personal information we retain about you and direct any service providers to do the same. If we determine that an exception applies, we will inform you of the reason for denying the deletion request. In some cases, deletion may be accomplished through de-identification. 

    Please understand that if you request us to delete your personal information, our subsequent removal of such personal information may impact your ability to use our Services, and may limit your use of or participation in our Services that require your personal information. 

    Right to Opt-Out of Sale of Personal Information. 

    You have the right to opt-out of the sale of your personal information, however, we do not “sell” your personal information as that term is defined under the CCPA. To the extent we change our processing practices or new laws come into effect, we may update this Privacy Policy. 

    Minors. 

    Pursuant to CCPA, Sentry does not share the information of minors under age 16 without their affirmative authorization. 

    Right to Non-Discrimination. 

    We will not discriminate against you for exercising any of your CCPA rights. This generally means we will not deny you goods or services, charge different prices or rates, provide a different level of service or quality of goods, or suggest that you might receive a different price or level of quality of goods. 

    Verification of Requests. 

    Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. The CCPA requires that we verify the identity of each person who makes a request to know what personal information we have about you or to delete the personal information we have about you. 

    You may request this information no more than two times in a rolling twelve-month period. When you make this request, the information provided may be limited to personal information we collected about you in the previous 12 months. 

    All requests must provide sufficient information to allow us to reasonably verify you are the person whom we collected personal information about or an authorized representative of such person. We will only use the information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request. Please describe your request with sufficient detail to allow us to properly respond to it. We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. 

    Shine the Light Request. 

    California Civil Code § 1798.83 permits residents of California to request from Sentry a notice disclosing: (1) the categories of personal information we have shared with third parties, if any, for the third parties’ direct marketing purposes, during the preceding calendar year, and (2) the names and addresses of those third parties. 

    How to Submit a Request. 

    You can submit an access, deletion or correction request, or a shine the light request by contacting us using any of the methods listed below: 

    Contact us by emailing info@insured-by.com 

    SIA Insurance Agency, Inc. 

    Attn: Risk Management 

    2180 West SR 434, Suite 5000 

    Longwood, Florida 32779 

    Do Not Track Signals. 

    Your web browser may let you choose your preferences as to whether you want to allow websites to collect personal information over time about your online activities across different websites or online services. At this time, our Services do not respond to “Do Not Track” options which you may have seen in your web browser regarding the collection of your information, and our Services may continue to collect information in the manner described in this Privacy Policy. 

    LAST UPDATED: January 10, 2023