Privacy Policy

ON POINT INSURANCE CONSULTING PRIVACY POLICY

On Point Insurance Consulting, LLC, d/b/a On Point Insurance Consulting, (“we”, “our”, and “us”) takes the privacy and security of those who visit our website (“you”, “your”, “yours”) very seriously, and we encourage you to read this privacy policy (“Policy”) carefully to understand how we collect, store, and maintain information that you share with us.  This Policy describes the kinds of information we collect from you and the measures we take to protect that information.  All references in this Policy to “website” include all of On Point’s websites. “Personal Information” as used in this Policy means information that can be used to identify you, directly or indirectly, alone or together with other information.

What Information Does On Point Insurance Consulting Collect from Me?

We collect certain information from you when you share that information with us, when you use our website, attend our events, communicate with us such as by e-mail, phone call or text message, interact with us through social media, and when you purchase our products from us.  

  • Personal Information

o We may collect certain personal information you share with us, including, but not limited to, your name, company name, physical address, hometown, telephone number, birthday, gender, and email address. 

o If you create an account with us, we also collect your login and account information, including your username and password.

  • Aggregate Information. Aggregate Information is information that does not identify you in any way.  Aggregate Information may be collected when you visit our website, independent of any information you voluntarily enter.  Additionally, we may use one or more processes to de-identify information that contains Personal Information, such that only Aggregate Information remains.  We may collect, use, store, and transfer Aggregate Information without restriction.
  • Website Information. We also collect certain types of non-personal information whenever you visit our website.  By “Site Visit Information” we mean information that does not directly identify you personally, such as IP address, device information, unique identifiers, and browser information.

Does On Point Insurance Consulting Use Cookies or Beacons?

On Point Insurance does not actively use “cookies” or “beacons”. The website of On Point Insurance Consulting is hosted by BlueHost, which is a Newfold Digital, Inc. (“Newfold”) product.  Newfold may make use of cookies or beacons as outlined in their Privacy Policy. In particular Newfold may collect geolocation data in the form of an IP address and device information, including the type of device and browser used. This information is captured in the form of log files collected by the Newfold servers.  For more information, you may view Newfold’s Privacy Policy here.  

 

Information For California Consumers 

If you are a resident of California, you have certain rights to the Personal Data that we have collected about you. Under California law, the exercise of these rights is subject to certain exemptions to safeguard the public interest (e.g., the prevention or detection of crime) and our interests (e.g., maintaining confidentially when legally required ). We will comply with your request as soon as reasonably practicable. Requests to exercise your rights may be granted in whole, in part, or not at all, depending on the scope and nature of the request and applicable law. To prevent unauthorized access to your Personal Data, we take steps to verify an individual’s right to the data – including requiring users to reach out to us directly from a verified email address, pass a challenge response, and/or confirm information associated with the account. Following verification of your identity, we will notify you if we are unable to fulfill your request and outline the reasons we are unable to honor your request at this time.

 

  1. Your California Privacy Rights
    You have the following rights:
    • Right of access to your Personal Data: You have the right to ask us for confirmation on whether we are processing your personal data, and access to the Personal data, as permitted by law. This may include what Personal Data we collect, use, or disclose about you.
    • Right to deletion: You have the right to ask us to delete your Personal Data, as permitted by law.
    • Right to Opt-out of “Sale” and Certain Sharing Practices: You have the right to opt-out of certain data sharing practices with third parties who may use your Personal Data solely for their own purposes. Your right to opt-out is limited to information we “sell” to these third parties. “Sell” in this case does not mean providing data in exchange for money-we don’t do that. “Sell” instead means the disclosure of data, including technical device data that does not identify you directly, when a third party might use that data for its own purposes, such as for personalized advertising.

Note to California users between 13 and 16: If you are between the ages of 13 and 16, we do not “sell” your information to these third parties without authorization from you.

  • Right to Non-Discrimination: We will not discriminate against you, in terms of price or services that we offer, if you submit one of the rights requests listed above.
  1. How to exercise your rights
    • Exercise your rights (other than opt-out of “sale”): To exercise your rights to your Personal Data, please contact us through info@onpointinsconsulting.com or at the address listed below.

On Point Insurance Consulting, LLC
18 8th Avenue NE
Hickory, NC 28601

Additional California Rights:

California Civil Code Section 1798.83 permits California residents to request and obtain from us a list of what Personal Data (if any) we disclosed to third parties for that third party’s direct marketing purposes in the preceding calendar year and the names and addresses of those third parties. Requests may be made only once a year and are free of charge.

 

Under Section 1798.83, we currently do not share any Personal Data with third parties for their direct marketing purposes. If we do decide to share your Personal Data with third parties for their marketing purposes, you may opt-out of this disclosure at any time by submitting a request to info@onpointinsconsulting.com, or in writing to:


On Point Insurance Consulting, LLC
18 8th Avenue NE
Hickory, NC 28601

It is important to note that this opt-out does not prohibit disclosures made for non-marketing purposes or for purposes of assisting us with our own marketing.

 

Additionally, if you are a registered user under the age of 18 and a resident of California, you may request removal of content you have posted to the Services. Requests can be made to info@onpointinsconsulting.com. Please note that making such requests does not ensure complete or comprehensive removal of the content. For example, we may retain the information for our own internal records, and it is also possible that a third party we do not own or control may copy the posting and repost it elsewhere.

 

INFORMATION FOR NEVADA RESIDENTS

Nevada residents can opt out of the sale of their Personal Information. We do not sell Personal Information today, and we do not have plans to sell Personal Information in the future. However, Nevada residents have the legal right to opt out of the sale of their Personal Information, even if their information is not currently being sold. You may opt out by emailing a request to info@onpointinsconsulting.com. In your request, please specify that you want to “Opt-out of Sale of Personal Information in Nevada.” Please allow 60 days for a response. 

WHAT IF I LIVE OUTSIDE THE UNITED STATES? 

If you are visiting us from the European Economic Area, Switzerland, or the United Kingdom, please see the “EUROPEAN USERS” section below.  We are based in the United States, and our website is hosted there.  If you are visiting our website from another country, the laws governing our website’s collection and use of personal information may be different from the laws of your country.  If you decide to visit our website, or share your Personal Information with On Point Insurance Consulting, you are agreeing to be governed by the laws of the United States, and agree to the transfer of your information to the United States.

EUROPEAN USERS

This section applies to all Personal Information (referred to as “personal data” in this section) collected by us from visitors and customers in the European Economic Area (“EEA”), the United Kingdom, and Switzerland (“personal data”) that are using our website. The processing of personal data is governed by the General Data Protection Regulation (“GDPR”) in the EEA, and similar data privacy laws in the United Kingdom and Switzerland. These laws require us to provide certain information regarding our processing of your personal data. 

  • Our Processing of personal data: On Point Insurance Consulting is the data controller of personal data you provide to us, and the purposes of our processing of personal data are described in this Policy and outlined below.  We may also process personal data on other bases permitted by the GDPR and applicable laws. In general, we process personal data on the following legal grounds: 
    • Providing our products and services to you or performing a contract we have with you: In certain circumstances, we need your personal data to comply with our contractual obligation to deliver products you order from us. For example, if you buy our products through our website, we need your name and contact details so that we can communicate with you and deliver the products to you. In this case, your personal data is necessary to provide you with the products that you order. If you do not provide your personal data we will not be able to provide you with the requested products and services.
    • When the processing is necessary for purposes of our legitimate business interest in conducting our business: For example, we have a legitimate interest in communicating information about our company and (subject to marketing authorizations) our commercial products, events, and company initiatives; and improving our website content and functionality. We take into account any risks to your fundamental rights and freedoms in assessing these purposes (including your right to privacy);
    • When the processing is necessary for us to comply with our legal obligations; and 
    • When you give us the consent to process your personal data 
  • Categories of personal data: All categories of personal data collected and processed by us are described in this Policy.
  • Recipients of personal data: We use various service providers to manage our website, help us fulfill product orders, and assist us as described in this Policy.  Our service providers change from time to time.  Note that we require our service providers to treat your personal data in a manner that is consistent with this Policy. If you would like specific information about our service providers who have received your information, please contact us at info@onpointinsconsulting.com and we will provide that information to you. 
  • Transfers of personal data outside of the EEA: On Point Insurance Consulting is based in the U.S. and that’s where we process personal data.  When you provide personal data to us, we transfer that personal data to the U.S. We treat the personal data of EEA users in accordance with this Policy.  We take appropriate steps to protect your privacy and implement reasonable security measures to protect your personal data in storage. We also enter into contracts with our data processors that require them to treat personal data in a manner that is consistent with this Policy.
  • Personal data retention: We retain personal data so long as it is necessary for the purpose for which it was collected, and delete personal data after it is no longer needed for these purposes.  This does not affect your right to request that we delete your personal data before the end of its retention period.  We may archive personal data (which means storing it in inactive files) for a certain period of time prior to its final deletion, as part of our ordinary business continuity procedures.
  • Your rights:
    • You have the right to access to your personal data, to have it corrected if the personal data we have is incorrect, to request that we restrict or delete your personal data, and to object to our processing of your personal data. Your rights may be subject to various limitations under applicable privacy laws.  If you wish to exercise any of these rights, or if you have any concerns about our processing of your personal data, please contact us info@onpointinsconsulting.com.  
    • You have the right to file a complaint concerning our processing of your personal data with your national data protection authority.
    • You have the right to file a complaint with a competent data protection supervisory authority, in particular in the EU Member State where you reside, work or the place of the alleged infringement. You have the right to do so if you consider that the processing of Personal Data relating to you infringes applicable data protection laws.
    •  

WHAT IF I FOLLOW A LINK TO A THIRD-PARTY WEBSITE? 

Our website and our social media posts may contain links to third-party websites. Those websites are governed by their own privacy and data use practices and policies.  We do not have control over the privacy practices of the advertisers or other third-parties operating these websites, and we have no control over how these third parties collect or use the information you chose to share with them.  

HOW DOES ON POINT INSURANCE CONSULTING PROTECT MY INFORMATION? 

The security of your personal information is our most important objective.  We use reasonable administrative, physical, and technical safeguards to secure any personal information which you share with us. Despite these safeguards and our additional efforts to secure your information, we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third-parties will not be able to defeat our security measures, and improperly collect, access, steal, or modify your personal information.  

WILL ON POINT INSURANCE CONSULTING CHANGE THIS PRIVACY POLICY?

Each time you use our website the current version of this Policy will apply. This Policy may be amended from time to time for any reason, and we will post a new Policy on this page as indicated by the “last updated” date below.  You should consult this Policy regularly for any changes.

CONFIDENTIALITY; EXCEPTIONS: We do not knowingly reveal any personal information that is provided by our customers through our website to any third parties except as provided in this Privacy Policy, when requested to do so by a governmental agency having jurisdiction, by a court of competent jurisdiction or other operation of law, or when we believe that disclosure is necessary or appropriate to prevent physical harm or financial loss in connection with an investigation of suspected or actual illegal activity. All information provided by customers using our ordering system is kept strictly confidential and secure to prevent unauthorized use of personal information.

We reserve the right to transfer any information we have about you in the event we sell or transfer all or a portion of our business or assets. Should a sale or transfer occur, we will use reasonable efforts to direct the transferee to use the personal information you have provided through this website in a manner that is consistent with this Privacy Policy.

 

HOW DO I CONTACT ON POINT INSURANCE CONSULTING?

For questions about this Policy or about our privacy and information security practices generally, you can contact us at info@onpointinsconsulting.com .