Privacy Policy

Effective Date: November 7, 2024

This is D. Francis Murphy Insurance Agency, Inc’s Privacy Policy, which explains how we collect, use, disclose, and safeguard your information. By using our products, services, and/or website, or by providing information to us, you are agreeing to the collection, use, and disclosure of your information in accordance with this Privacy Policy. By using our products, services, and/or website, or by providing information to us, you also represent and warrant that you have fully read and completely understand this Privacy Policy, and agree to be bound by the terms herein.

Please read this Privacy Policy carefully. Your agreement with the terms of this Privacy Policy is a prerequisite to your use of our products, services, and website. By using our products, services, and/or website, you consent to our use of your information as provided in this Privacy Policy. If you do not agree with the terms of this Privacy Policy, then you do not have permission to use our website, and must stop accessing it immediately.

In addition, please be aware that any information we collect about you may be transferred to and processed in jurisdictions or countries that may not have the same data-protection laws as where you live. By using our products, services, and/or website, or otherwise transferring data to us, you consent to any and all such transfer and storage of your information elsewhere.

1. Information We May Collect

We may collect your information as follows:

A. Information Provided to Us

We may collect personal information that has been willingly provided to us. Such information may include, but is not limited to the following:

• Contact Information: Your name, home/work/mailing address, e-mail address, home/work/mobile telephone number, and fax number.
• Individual Information: Your photograph, date of birth, Social Security number, driver’s license number, and demographic information (e.g., age, sex, height, weight, eye color, hair color, marital status, etc.).
• Background Information: Your family information, marital history, citizenship status, passport information, alien registration number, education information, employment information and history, financial information and history, tax information, residential history, criminal history, and court records (including citations and charges that may have been dismissed), health information and medical records, insurance information, mortgage information, veteran status, organ-donor status, driver’s license information, motor-vehicle records, and automobile information.
• Other Service-Related Information: Information regarding your transactions with us or our affiliates, information regarding your transactions with nonaffiliated third parties, information from consumer reporting agencies, information related to businesses and other organizations, and trusts, which are connected to you, information about your intellectual and other property, information regarding your preferences, interests, or favorites, and other personal information necessary or advisable to provide you with our products or services.
• Payment Information: Your credit-card information and bank-account information.

We may obtain such personal information directly from you through your access and use of our products or services, from third parties using our products and services, including, without limitation, employers who have purchased our products or services for their employees, or from third parties from whom we request information in connection with providing or potentially providing our products or services, such as insurance agencies or companies, state registries/departments/divisions of motor vehicles (or their equivalent), or credit bureaus. We may also obtain such personal information directly, such as through inspections of your property.

It is important that the personal information we hold about you is accurate and current. Please tell us if your personal information changes during your relationship with us.

Under certain circumstances, you may be required to provide us with certain personal information necessary for compliance with applicable law, or to fulfill your contractual obligations with us. If you fail to provide us with any such required, personal information, then there may be negative consequences to you, including, without limitation, our inability to provide you with our products and services.

B. Information Collected by Our Servers

Our servers (which may be hosted by a third-party service provider) may collect information about you automatically when you access our website, such as your IP address; Internet service provider (ISP); network; browser type and version; device type and other hardware information; operating system and other software information; unique device identifier (UDID) or other device ID; medium access control (MAC) address; location; time zone; language; metadata; access times and dates; areas or pages viewed; time spent on a page; click through; clickstream data; queries made; search results selected; links clicked; text entered; and mouse movements; as well as the websites you viewed immediately before and after accessing our website.

C. Cookies and Other Data-Collection or Tracking Technologies

We may use cookies, which are small files placed on your computer or mobile device, when you visit our website, as well as web beacons, tracking pixels, and other data-collection or tracking technologies on our website. We may use both “session cookies” (which expire once you close your web browser) and “persistent cookies” (which stay on your computer until you delete them) to provide you with a more personal and interactive experience on our website. Persistent cookies can be removed by following your Internet browser’s help-file directions.

Information collected may include, but is not limited to your operating system type and other software information; browser type and version; domain; mobile network; IP address; Internet service provider; and other system settings; as well as the language your system uses, the country and time zone in which you are located, your access times and dates, and information on the websites you viewed immediately before and/or after accessing our website. These are used to make our website function correctly, display information more effectively, remember your preferences and settings, customize and offers on our website or services, gather statistical information to improve our products and services, help us analyze technical and navigational information about our website, detect and prevent fraud, and for security, marketing, and other business purposes.

We may utilize Google Analytics (including, without limitation, Remarketing, Google Display Network Impression Reporting, Google Analytics Demographics and Interest Reporting, and integrated services that require Google Analytics to collect data for advertising purposes, including, without limitation, the collection of data via advertising cookies and identifiers), and other, third-party vendors that use cookies and/or similar technologies, to collect and analyze information about the use of the Site and report on activities and trends. Our partners and affiliates may also use cookies and/or similar technologies to collect non-personally identifiable information about your activities on our website and other websites, in order to provide you with targeted advertising based upon your interests. This means that these partners and affiliates may use cookies to show you ads based upon your previous visits to our website. Together with our partners and affiliates, we may use these cookies and/or similar technologies to report how your ad impressions, other uses of ad services, and interactions with these ad impressions and ad services, are related to your visits to our website.

For information on how Google collects and processes data, please visit https://policies.google.com/technologies/partner-sites.

You may be able to control, reject, or opt out of use of cookies and/or similar technologies in certain circumstances. Please see Section 8.C below for more information.

D. Children’s and Minors’ Privacy

Our products, services, and website are intended for adults, not children. It is not our intent to collect the personal information of anyone under thirteen years old except as strictly necessary to provide specific products or services requested by you, and we do not knowingly utilize any plug-ins or ad networks that collect personal information through third-party websites or online services, which are directed at children. If we obtain actual knowledge that any individual under thirteen years old has given us personal information, then we will take steps to delete such information. In addition, we do not knowingly allow any marketing or advertising, which is specifically targeted to anyone under eighteen years old and that is prohibited by applicable law.

E.“Do Not Track” Signals

There are currently no commonly accepted standards for recognizing or responding to “Do Not Track” signals. As a result, we do not currently respond to “Do Not Track” signals.

2. How We May Use Information We Collect

The information we collect from you may be used for any one or more of the following purposes, under the following legal bases:

Fulfillment of Services

• To evaluate requests for insurance coverage, determine rates, issue insurance policies, and otherwise provide you with and facilitate products and services you request from us, and to respond to questions and other requests for information from you.
• To service insurance policies, evaluate and settle claims, and otherwise meet contractual obligations.
• To process and collect payments for our products and services.

These are necessary (1) to fulfill our contractual obligations to you, and to take steps requested by you prior to our entering into a contract (e.g., to provide a quote); and (2) for our legitimate interests and/or those of a third party, including, without limitation, providing you the best possible service, developing and maintaining our relationship with you, establishing, exercising, and defending our legal claims and rights, and building and running our business.

Website Administration

• To administer our website and services, and diagnose technical problems.
• To improve and personalize your experience with our website, such as by personalizing content to your preferences or interests (e.g., language, font size, etc.), or by expediting the processing and completion of a transaction; and to allow you to navigate and browse through our website quickly and efficiently.
• To send you administrative information, and notifications (e.g., for security, support, or maintenance purposes), and to solicit input and feedback about our website, products, services, or other aspects of our business.

These are necessary for our legitimate interests and/or those of a third party, including, without limitation, providing you the best possible service, maintaining our relationship with you, ensuring network and information security, ensuring and optimizing the functionality of our website, and building and running our business.

Business Management

• For our business purposes, such as to keep, update, and enhance our records (including, without limitation, of your contact information and correspondence); to perform research, data and statistical analysis, audits, or security-and-fraud monitoring and prevention; to consider applicants for employment; to enhance, improve, or change our website, products, or services; to evaluate and develop our marketing or other business strategies; to identify usage trends; to ensure safe working practices, staff administration, and assessment; and for operational reasons, such as improving efficiency, training, and quality control.
• To generate aggregated, anonymized, and statistical information.
• As we believe is necessary or advisable in connection with or during negotiation of (i) any merger, or any sale, assignment, transfer, or other disposition, of all or any portion of our business, stock, or assets, including, without limitation, in the event of any corporate restructuring, or any other change of ownership or control; or (ii) any joint venture, acquisition, divestiture, financing, restructuring, reorganization, or dissolution, or any bankruptcy, insolvency, receivership, or the like.

 These are necessary (1) to comply with our legal obligations; and (2) for our legitimate interests and/or those of a third party, including, without limitation, establishing, enforcing, and defending our legal rights and protecting the rights of third parties; providing you the best possible service; protecting and promoting our reputation; ensuring network and information security; ensuring and optimizing the functionality of our website; developing and improving our products and services; and building and running our business.

Legal Compliance; Preventing Misconduct, Abuse, or Misuse

• To verify information provided to us.
• To perform external audits and quality checks.
• To protect the rights, property, and/or interests, of ourselves, our equity holders and/or business partners, and/or others, including, without limitation, in relation to enforcement of our agreements, billing and collection for our products and services, ensuring the confidentiality of sensitive information, prosecuting or defending against legal or other claims (including, without limitation, to mitigate liability in an actual or threatened lawsuit), or any litigation, dispute resolution, or regulatory action.
• To investigate and remedy violations or potential violations of law, or of our policies or agreements; to prevent unauthorized access and modifications to our systems; or to investigate, detect, prevent, or take other action regarding illegal activity, suspected fraud, crime, or other wrongdoing.
• As we believe is required by law, regulation, or professional obligation, or required by any governmental body (including, without limitation, any arbitrator, grand jury, or self-regulatory organization), such as to screen for financial and other sanctions or embargoes, or to comply with a search warrant, subpoena, court order, government investigation, inquiry, audit, statutory return, or other legal requirement or other, valid, legal process.
• As we believe is advisable in response to a lawful request of any governmental body (including, without limitation, any arbitrator, grand jury, or self-regulatory organization), including, without limitation, for purposes of law enforcement or protecting national security.
• To otherwise address legal concerns or liabilities; to prevent harm or potential harm; or if we believe there is an emergency or other circumstance that justifies such usage.

These are necessary (1) to fulfill our contractual obligations to you; (2) to comply with our legal obligations; and (3) for our legitimate interests and/or those of a third party, including, without limitation, establishing, enforcing, and defending our legal rights and protecting the rights of third parties; detecting and preventing fraud, crime, and other misconduct or misuse; protecting public safety or national security; and protecting our reputation and business.

Marketing and Promotions

• To verify your e-mail address; to send communications you have requested or that may be of interest to you based on your apparent preferences and interests; to call you by telephone for our business purposes, including, without limitation, as part of secondary fraud protection or, where permitted, to solicit your feedback; and to send you newsletters, surveys, offers, and other marketing/promotional information or materials, or invitations to events that we think may be of interest to you.

These are necessary for our legitimate interests and/or those of a third party, including, without limitation, developing and maintaining our relationship with you, promoting our reputation, and building and running our business. Where required by applicable law, we will obtain your consent before using the information we collect to send you such communications.

Other

• To perform other functions as otherwise described at the time of collection, which are necessary to fulfill our contractual obligations to you, necessary to comply with our legal obligations, or necessary for our legitimate interests and/or those of a third party, or to which you consent.

3. With Whom We May Share Information

 Information we collect may be disclosed in accordance with this Privacy Policy, including, without limitation, information regarding you, information regarding your transactions with us and/or our affiliates, information regarding your transactions with nonaffiliated third parties, and information from consumer reporting agencies. We reserve the right to disclose any information we collect in accordance with this Privacy Policy. We may share your information with others as follows:

A. Service Providers, Suppliers, Etc.

We may share your information with those who provide services to us or act on our behalf, such as our subsidiaries and affiliates, or our service providers, suppliers, subcontractors, and similar, non-affiliated third parties, for our everyday business purposes (such as to investigate, defend, or settle claims, process transactions, maintain accounts, market our products and services, respond to court orders and legal investigations, or report to credit bureaus) or as otherwise permitted by applicable law, as set forth in Section 2 above. These may include, without limitation, financial service providers, non-financial companies, insurance companies we represent, underwriters, independent claims adjusters, appraisers, investigators, or attorneys, as well as businesses that help us with data processing, marketing, or other aspects of our business.

B. Legal Compliance; Preventing Harm

We may share your information with third parties, as we consider necessary or advisable, in our sole discretion,

(i) as necessary to effect, administer, or enforce a transaction requested or authorized by you, or in connection with servicing or processing a product or service requested or authorized by you, or in connection with maintaining or servicing your account with us, such as with medical-care institutions or medical professionals to verify coverage;

(ii) to provide information to insurance-rate advisory organizations, guaranty funds or agencies, applicable rating agencies, persons assessing compliance with industry standards, and our attorneys, accountants, and auditors; to protect the confidentiality or security of our records; to protect against or prevent actual or potential fraud, identity theft, unauthorized transactions, claims, or other liability; for required institutional risk control, or for resolving customer disputes or inquiries; to consumer reporting agencies in accordance with the Fair Credit Reporting Act of 1970, as amended; to persons such as lien holders, mortgagors, or lessors, who hold a legal or beneficial interest relating to you, including, without limitation, for purposes of debt collection; and to persons acting in a fiduciary or representative capacity on behalf of you;

(iii) to comply with applicable laws, rules, and other legal requirements, and with properly authorized civil, criminal, administrative, or regulatory investigations, or subpoenas or summons by federal, state, or local authorities; and to respond to judicial process or government regulatory authorities having jurisdiction over us for examination, compliance, or other purposes, as authorized by law;

(iv) to law-enforcement agencies and regulators; for investigations on matters related to public safety; to report known or suspected instances of elder or dependent adult financial abuse or to cooperate with an adult protective services agency investigation of such abuse; and to identify or locate missing and abducted children, witnesses, criminals and fugitives, parties to lawsuits, parents delinquent in child-support payments, organ and bone-marrow donors, pension-fund beneficiaries, and missing heirs; and

(v) for other purposes allowed by applicable law.

C. Corporate Sale, Merger, Reorganization, Etc.

We may share, transfer, and/or assign your information to third parties, in connection with or during negotiation of any merger, or any sale, assignment, transfer, exchange, or other disposition, of all or any portion of our business, stock, or assets, including, without limitation, in the event of any corporate restructuring.

 We may also share information with others if we have your consent to do so. In addition, you should be aware that certain personal information will become public record when certain documents are filed with the federal or state governments, with a court or other governmental body, or with certain self-regulatory organizations. This Privacy Policy does not cover these, or any similar, third-party actions.

4. Security

We have safeguards in place to protect the security of personal information we collect from you. Although we take precautions intended to help protect the information that we process, no security system is fully secure, and it is possible for the security of your personal information to nonetheless be compromised, for example, during transmission, or from events and circumstances outside our reasonable control. Therefore, we cannot guarantee the security of your personal information, and cannot assume responsibility or liability for any unauthorized access. You should consider these risks carefully before sending personal information to us.

When disclosing any protected-health or other personal information, you should remain mindful of the fact that such information is potentially accessible to the public and, consequently, can be collected and used by others without your consent. Accordingly, you should consider carefully before submitting sensitive information that you would not want disclosed to the public, and should recognize that your use of the Internet, and our website and products and services, is solely at your risk. If you have created an account on our website, then you are responsible for safeguarding and preventing unauthorized access to the user information and password that you use to access such account. In the end, you are responsible for maintaining the secrecy of all your personal information, including, without limitation, your protected-health information.

ACCORDINGLY, WE DISCLAIM ALL LIABILITY FOR THE THEFT, LOSS, OR INTERCEPTION OF, OR UNAUTHORIZED ACCESS OR DAMAGE TO, YOUR DATA OR COMMUNICATIONS, BY USING THIS WEBSITE OR OUR PRODUCTS AND SERVICES. BY SENDING SUCH INFORMATION TO US, YOU ACKNOWLEDGE THAT YOU FULLY UNDERSTAND AND ASSUME THESE RISKS.

IF YOU BELIEVE YOUR PRIVACY HAS BEEN BREACHED THROUGH USE OF OUR WEBSITE OR OUR PRODUCTS OR SERVICES, THEN PLEASE CONTACT US IMMEDIATELY AT ASSISTANCE@DFMURPHY.COM.

5. Retention and Removal

 We will retain information we collect for as long as we consider necessary to perform the activities and fulfill the purposes described in this Privacy Policy,

including, without limitation, to complete any transaction that you began before asking us to change or delete your information; respond to any questions, complaints, or claims, made by you or on your behalf; show that we treated you fairly; comply with a legal request; resolve a dispute; enforce an agreement; or keep records required by law; unless a longer retention period is required or permitted by applicable law.

The criteria used to determine our retention periods include, without limitation,

• the length of time we have an ongoing relationship with you (for example, for as long as you keep using our website, products, or services);
• whether a legal obligation to which we are subject applies (for example, certain laws require us to keep records of your transactions for a certain period of time before we can delete them); and
• whether retention is advisable considering our legal position (such as for statutes of limitations, litigation or other disputes, legal requests, or regulatory investigations).

We will periodically reevaluate our retention schedule. When we no longer require your information, we will use reasonable steps to destroy or erase your information so that it cannot practicably be read or reconstructed. It is possible that residual information may remain within our databases, back-ups, or other records, which may not be removed until such databases, back-ups, or other records, are permanently wiped or destroyed in accordance with our standard retention practices.

6. Links or Citations to Third Parties; Third-Party Services

 Our website may include citations or links to third-party websites, and may offer functions, applications, or other services, developed and maintained by third parties. We do not exercise control over such third parties, however. This Privacy Policy does not apply to such third-party websites or services, and we have not reviewed any such third party’s privacy policies. Such third parties may collect and share information about you, and may have different privacy policies and practices from ours.

If you visit any third-party website or enable any third-party services offered by our website, then we strongly encourage you to carefully review such third party’s privacy policies.

Citations or links to third-party websites on our website, or third-party services offered by our website, do not mean that we are affiliated with such third party, or that we endorse such third party or its privacy policies or practices, website, or products or services.

7. Social Media

Our website may include social-media features, such as the Facebook “like” button, and widgets, such as the “Share this” button or interactive mini-programs that run on our website. These features may collect your IP address and which page you are visiting on our website, and may set a cookie to enable the social-media feature to function properly. Social-media features and widgets are either hosted by a third party, or hosted directly on our website. Depending on the features, your use of these features may result in the collection or sharing of personal information about you.

Your interactions with any of these features are governed by the privacy policies of the company providing that particular feature. We strongly encourage you to carefully review the privacy policies of the company providing any social-media feature with which you interact, as well as your privacy settings with such social media.

Social-media features on our website do not mean that we are affiliated with the company providing such feature, or that we endorse the company providing such feature or such company’s privacy policies or practices.

8. Your Privacy Rights

 A. Marketing

You may opt out of receiving various marketing communications from us by following the opt-out instructions contained in such communications, or contacting us at assistance@dfmurphy.com.. Please note, however, that even if you opt out of marketing communications from us, we may still send you administrative, service-related, and/or other non-marketing communications.

B. Personal Data

i. Data Deletion or Management

You may request information regarding the personal information we have on you, or that we delete, correct, or update any personal data we have on you, by contacting us at assistance@dfmurphy.com.

ii. Verification; Refusal of Request

For your protection, we may need to verify your identity before carrying out any request. Any personal data we collect from you to verify your identity in connection with your request will be used solely for the purposes of verifying your identity. We are not obligated to comply with a request if we cannot verify that the person making the request is the person about whom we collected data or is someone authorized to act on such person’s behalf.

Please note that we reserve the right to refuse to act on any request that we consider manifestly unfounded or excessive (for example, because it is repetitive, requires disproportionate or commercially unreasonable effort, or risks the privacy of others), and/or to charge a fee that takes into account the administrative and other costs for taking any such action you request.

In addition, please note that we may also refuse any request

(a)   if we believe we are required to keep your information (including, without limitation, for a certain time period) by any law, regulation, professional obligation, or other legal requirement or process;

(b)   if required or lawfully requested by any governmental body (including, without limitation, any arbitrator, grand jury, or self-regulatory organization), including, without limitation, for purposes of law enforcement or protecting national security; or

(c)   if we believe keeping your information is necessary or advisable to protect the rights, property, and/or interests, of ourselves, our equity holders and/or business partners, and/or others, including, without limitation, in relation to enforcement of our agreements; billing and collection for our products and services; ensuring the confidentiality of sensitive information; prosecuting or defending against legal or other claims (including, without limitation, to mitigate liability in an actual or threatened lawsuit); any litigation, dispute resolution, or regulatory action; or to otherwise address legal concerns or liabilities, or prevent harm or potential harm to others; or

(d)  for other reasons allowed under applicable law.

C. Cookies; Interest-Based Advertising; Device Identifiers

You may be able to control, reject, or delete cookies from our website through your web browser, or to have your browser alert you when a cookie is placed on your mobile device. Please refer to the technical information for your specific web browser for instructions on managing cookies. You may also opt out of the use of cookies by certain third-party vendors by visiting the Network Advertising Initiative, the Digital Advertising Alliance, TrustArc, and Adobe.

You can opt out of Google’s use of cookies by visiting Google’s Ads Settings, currently available at https://myadcenter.google.com/. You can also prevent Google Analytics from using your data by downloading and installing the Google Analytics Opt-out Brower Add-on, currently available at https://tools.google.com/dlpage/gaoptout.

In addition, you may be able to opt out of interest-based advertising on your mobile device. Instructions for how to opt out in the most popular mobile operating systems are currently available at https://thenai.org/opt-out/mobile-opt-out/. Certain apps for opting out may also be available, such as the AppChoices app. You also may be able to reject mobile device identifiers by activating the appropriate setting on your mobile device.

Please note, however, that blocking or disabling cookies or mobile device identifiers may prevent you from accessing all of the features available through our website, or otherwise adversely interfere with the functionality of our website.

9. Changes to Our Privacy Policy

We reserve the right to make changes to this Privacy Policy from time to time, and for any reason. Your use of our products, services, and/or website, after the effective date of any such changes will be deemed to be your acceptance of this Privacy Policy as revised.

10. How to Contact Us

If, at any time, you believe that we have not adhered to this Privacy Policy, or if you have any questions about this Privacy Policy, then please contact us at the following:

E-mail:
assistance@dfmurphy.com

Telephone:
(800) 222-8711

Mailing Address:
Attn: Customer Privacy Inquiries
D. Francis Murphy Insurance Agency, Inc.
50 Main Street
Hudson, MA  01749