Privacy Policy

Your privacy is priority at Personal Coverage, Inc. (PCI dba Specialty Food and Beverage Insurance) SFB Insurance Services in California. For questions you may contact service@personalcoverage.com.

This privacy policy describes the types of information we may collect from you or that you may provide when visiting our website www.specialtyfoodbeverage.com and our practices for collecting, using, maintaining, protecting and disclosing this information. By visiting and using the website, and providing your information to us, you agree to accept the practices described in this policy.

In this policy, we will refer to ourselves as PCI and “we,” and you as “you.”

How do we collect your information?

We collect information that you supply to us directly, such as when you interact with our website, emails, and text messages.

We collect information from phone or other written communications with you.

What other information is collected?

We, our service providers, or other partners may collect information by automated means. These means may consist of the use of our website, our social media presence, and internet-enabled services and platforms such as cookies (see Your Privacy), web beacons, tags, scripts, local shared objects, advertising identifiers, and other technologies.

Information collected from automated means may include:

Browser type and search terms related to our content
IP addresses
Data relating to your use of the service
URLs that refer visitors to our websites
Details about your interaction with our websites, mobile apps, social media platforms or other connected devices and services
Interaction and viewing of advertisements and content
Geo-location data

The information we collect automatically is statistical data and does not include personal information. Still, we may maintain or compare it with personal information we collect in other ways or receive from third parties to help us improve our website and provide better customer service.

How do we use your information?

The information we collect may be used in any of the following ways:

To improve our website and customer service support
To send you announcements, correspondence, marketing materials, offers and other information related to PCI
To invite you to engage with us by participating in contests, surveys, sweepstakes, and promotions, and deliver entries and rewards (if you have not opted out of this, see Your Privacy below)
To improve our business, services, and products
To publish product reviews and strengthen our brand
To prevent fraudulent transactions, protect our rights and property, and comply and enforce applicable legal requirements, industry standards, and our policies and terms

Do we share your information?

We do not sell or rent information we collect. We may share your information with a third party in one of the following instances.

We share information with our insurance companies in which we are direct agents and when we act as a broker on your behalf.

When you inte3ract with third-party social media sites, that information you provide may be displayed publicly.

We may share your information in response to a request for information that is required by any applicable law, rule, regulation, or legal process.

If we believe your actions are inconsistent with our other policies, to protect the rights, property or safety of PCI or others.

In connection with, or during negotiation of any merger, acquisition, sale of assets or any business, or other change of control transaction or financing between future parties.

With analytics partners and service providers.

With your explicit consent or direction.

How do we protect your information?

The security of your information is imperative. We take reasonable and commercially accepted and industry-standard security measures to maintain the safety of your personal information. These measures help protect your information from loss, theft, misuse, unauthorized access, disclosure, alteration, and destruction, both while receiving and following the reception of your information. No online transactions or electronic storage measures are 100% secure, so while we cannot guarantee the absolute security of your information, we strive to provide industry-standard security measures to protect you. Actions taken within the organization to further this protection include: physical, electronic, and managerial procedures within the organization, including the monitoring of information and transactions, and security research on the best technologies to keep your information secure.

Children’s Online Privacy Protection Act (COPPA) Compliance

We do not knowingly collect personally identifiable information from children under the age of 13. This website is not designed for children, and we do not wish to collect personal information from children under 13. If a child under the age of 13 has provided us with personally identifiable information online, we ask that a parent or guardian contact us at service@personalcoverage.com, so we can take steps to remove such information.

California Online Privacy Protection (CalOPPA) / New York SHIELD Act

For California and New York residents using our website, personally identifiable information collected could include name, address, email address, and phone information, but only if submitted voluntarily by you. We only share information with insurance companies or other intermediaries in which we act as an insurance broker on your behalf if you decide to proceed with a quotation. This information is not collected on our website but will be in other forms and stored in our policy management system which is not linked to our website.

GDPR

This website is not intended to collect any personally identifiable information from residents of the European Union or the UK.

Changes to Our Privacy Policy

We reserve the right to amend this policy at any time without prior notice. Your continued use of the website after any changes or revisions to this privacy policy indicates your agreement with the terms of such revised privacy policy.

This policy was last modified on April 21, 2021.

Your Privacy

As a website user, we strive for you to be aware of choices regarding your privacy and information.

Cookies

This site uses cookies to provide us website visitor analytics including: Google Analytics, Google Analytics Demographics and Interest Reporting, Google Ads, and Remarketing with Google Analytics. Conversion tag data may be shared with third parties to improve advertising effectiveness.

Information Collected

Cookies are pieces of electronic data stored on your computer or device which can help improve your access to the site and provide us information on your interactions with our website. Information collected via cookies can include IP address, geolocation, device and browser information, how you interacted with our site, how you reached our site, and websites visited prior to reaching our site. In addition, we utilize Google Demographics and Interest Reporting to better understand our website visitors including their age, gender, and interests.

Opting Out

If you prefer to limit, reject, or change your browser cookies, the ability to do this may be found in your device or the browser security settings. Otherwise, most browsers use cookies by default. Instructions on how to opt out via a browser extension can be found at https://tools.google.com/dlpage/gaoptout.

Promotional Communications

You may opt-out of receiving promotional communications from PCI by emailing us at service@personalcoverage.com or following the unsubscribe information provided in the correspondence. If you opt-out, we may still send you non-promotional communications regarding your account or business transactions.

International Visitors: Please note that this website is not intended for visitors from the European Union or the UK.

Other Website Policies

There are external links throughout our website. When clicking on an external link you will be brought to another website. Please be aware that these policies will no longer apply once you leave our website domain.

Contacting Us

For privacy or security questions, or any other questions may contact us using the information below.

Personal Coverage, Inc.
P.O. Box 564
Ballston Spa, NY 12020