Privacy Policy

We Are Committed to Protecting Your Privacy

Effective date: July 16, 2018

Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available in the footer navigation of every page on the website.

Our website may collect data through the following ways:

  • Cookies: Google Analytics a web analytics service offered by Google that tracks and reports website traffic through the use of cookies.
  • Google Adwords uses conversion tracking to help us see when ads lead to conversions from various sources.
  • Links to third-party websites that are not operated by us.

We aim for full transparency on how we gather, and use user data. Below is our Privacy Policy, which incorporates and clarifies these principles.

Information Collection And Use

How We Collect This Data – Tracking & Cookies

We may employ third party companies and individuals to facilitate our website (“Service Providers”), to perform web-related services or to assist us in analyzing how our website is used.
These third parties have access to information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Usage Data

Google Analytics and Google Adwords use cookies, through which we may collect information on which pages of the website are accessed and used (“Usage Data”).

  • Your web browser automatically sends us (and we may retain) information such as the:
    Internet domain through which you access the Internet (e.g., yourServiceProvider.com if you use a commercial Internet service provider, or yourSchool.edu if you use an Internet account from your school);

    • Internet Protocol address of the computer you are using;
    • type of browser software and operating system you are using;
    • date and time you access our site; and
    • the Internet address of the site from which you linked directly to our site.
  • We will use this information as aggregate data to help us maintain this site, e.g., to determine the number of visitors to different sections of our site, to ensure the site is working properly, and to help us make our site more accessible and useful.
  • We will not use this information to identify individuals, except for site security or law enforcement purposes.
  • We will not obtain Personal Data (personally identifiable information that can be used to contact or identify you) when you visit our site.

What are cookies?

Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our website.

Service Providers

We may use the following third-party Service Providers, that help us manage and maintain the website, and/or provide cookies to monitor and analyze the use of our website, these include:

Google Analytics

Higgins Insurance uses a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our website. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.
You can opt-out of having made your activity on the website available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy

Google Adwords

Higgins Insurance may occasionally use an online advertising service developed by Google, through which we may pay to display brief advertisements, service offerings, product listings, and video content within the Google ad network to web users. Google Adwords uses conversion tracking to help us see when ads lead to conversions from various sources. For example, Google Adwords makes it possible to track when a visitor completes an action on our website. This could be, clicking a link, or any other valuable action.
For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy

Thrive Creative Group

These are the folks that help Higgins Insurance manage and maintain this website. They have access to the website, Google Analytics, and Google Adwords data. We require Thrive Creative Group to follow this Privacy Policy for the protection of personal information they may have access to. For more information on Thrive Creative Group’s privacy policy, please visit: https://thinkthrive.com/privacy/

Links To Other Sites

Our website contains links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit. This is especially true for any social media platform, including, but not limited to:

  • Facebook: https://www.facebook.com/policy.php
  • Twitter: https://twitter.com/en/privacy
  • Google+: https://policies.google.com/privacy
  • Pinterest: https://policy.pinterest.com/en/privacy-policy
  • LinkedIn: https://www.linkedin.com/legal/privacy-policy

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

How and Why We Use Information

We may use the data we collect for various purposes:

  • To provide and maintain the website
  • To provide analysis or valuable information so that we can improve our website
  • To monitor the usage of the our website
  • To detect, prevent and address technical issues

Legal Bases for Collecting and Using Information

A note here for those in the European Union about our legal grounds for processing information about you under EU data protection laws, which is that our use of your information is based on the grounds that we have a legitimate interest in using your information to provide and update our website, to improve our website so that we can offer you an even better user experience, to safeguard our website, to measure, gauge, and improve the effectiveness of our advertising, and better understand user retention and attrition, to monitor and prevent any problems with our website, and/or you have given us your consent upon accessing this website you received a notification that we place certain cookies on your device and access and analyze them later on, as described in our Tracking & Cookies section.

Sharing Information

How We Share Information

We do not sell our User Data information.

We share information about our User Data in the limited circumstances spelled out below and with appropriate safeguards:

  • Subsidiaries, Employees, and Independent Contractors: We may disclose information about User Data to our subsidiaries, our employees, and individuals who are our independent contractors that need to know the information in order to help us provide our services or to process the information on our behalf. We require our subsidiaries, employees, and independent contractors to follow this Privacy Policy for personal information that we share with them.
  • Business Transfers: In connection with any merger, sale of company assets, or acquisition of all or a portion of our business by another company, or in the unlikely event that Higgins Insurance goes out of business or enters bankruptcy, User Data would likely be one of the assets that is transferred or acquired by a third party. If any of these events were to happen, this Privacy Policy would continue to apply to your information and the party receiving your information may continue to use your information, but only consistent with this Privacy Policy.

Creative Commons Sharealike License

We would like to thank Auttomatic, the creator of many products and services that enhance our websites, who decided to make this Privacy Policy available under a Creative Commons Sharealike license.

How Long We Keep Information

We generally discard information about you when we no longer need the information for the purposes for which we collect and use it–which are described in the section above on How and Why We Use Information and we are not legally required to continue to keep it. For example, we keep the web server logs for a period of time in order to, among other things, analyze traffic to the website and investigate issues if something goes wrong.

Security

While no online service is 100% secure, we work very hard to protect User Data information against unauthorized access, use, alteration, or destruction, and take reasonable measures to do so, such as monitoring our website for potential vulnerabilities and attacks.

Choices

You have several choices available when it comes to information about you:
Set Your Browser to Reject Cookies: Please see the section below on How to Manage Cookies.

How to Manage Cookies

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.
You can choose not to accept cookies from any website, by changing the settings of your browser. You can also delete cookies stored in your browser at any time.
For more information about cookies, including how to delete them from your computer and configure your browser to refuse them from any other site, visit the following resource, or refer to your individual browser settings for additional information on disabling cookies:

  • USA.gov

Your Rights

If you are located in certain countries, including those that fall under the scope of the European General Data Protection Regulation (AKA the “GDPR”), data protection laws give you rights with respect to your personal data, subject to any exemptions provided by the law, including the rights to:

  • Request access to your personal data;
  • Request correction or deletion of your personal data;
  • Object to our use and processing of your personal data;
  • Request that we limit our use and processing of your personal data; and
  • Request portability of your personal data.

If would like to contact us about one of the other rights, scroll down to Contact Us to find out how to reach us. EU individuals also have the right to make a complaint to a government supervisory authority.

Please note: this website only collects User Data, not Personal Data.

Children’s Privacy

Our website does not address anyone under the age of 18 (“Children”).
We do not knowingly collect personally identifiable information from anyone under the age of 18.

Changes To This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.
We will let you know via email and/or a prominent notice on our website, prior to the change becoming effective and update the “effective date” at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have a question about this Privacy Policy, or you would like to contact us about any of the rights mentioned in the Your Rights section above, please contact us.

Higgins Insurance
4057 Lafayette Road
Hopkinsville, KY 42240
Telephone: (270) 886-3939
Fax Number: (270) 886-8177

Change Log

July 16, 2018: drafted policy.

Copyright © 2018 Higgins, Ins.. All Rights Reserved. // Website Designed by Thrive Creative Group, LLC