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Learn MoreNFP Privacy Policy | California NFP Privacy Policy
Last Updated: December 2019
NFP is committed to respecting the privacy rights of its customers, visitors and other users of its website. We created this Website Privacy Policy to demonstrate our commitment to fair information practices and the protection of privacy. Our information practices for this website are described below.
This Website Privacy Policy applies to the website located at www.nfp.com (the “Site”). It does not apply to any separate sites of our affiliated companies, subsites or third-party sites that might be linked to, or accessible from, the Site.
This Website Privacy Policy applies to information about you obtained through the Site by NFP. This Website Policy explains how we may collect, use, disclose, and protect your personal information; with whom we share your personal information; and the privacy options available to you regarding our use of your personal information; and how to contact us regarding our privacy practices for the Site.
By visiting or using the Site, you consent to our collection, use and disclosure practices and other activities as described in this Website Privacy Policy.
If you are visiting this Site from outside of the United States, please be aware that NFP is based in the United States, and the information we obtain through the Site will be transferred to, processed, and stored in our servers in the United States. The data protection laws and regulations applicable to your personal information transferred to the United States may be different from the laws in your country of residence.
When you visit the Site, your browser automatically provides, and we may automatically collect, certain personal information about when you access or use the Site (“Usage Information”). Usage Information includes:
The methods that may be used on the Site to collect Usage Information include:
Some information about your use of the Site and certain third-party services may be collected using Tracking Technologies across time and services and used by us and third parties for purposes such as to associate different devices you use and deliver relevant ads and/or other content to you on the Site and certain other websites or online services.
In some circumstances, you may elect to provide us with certain personal information through the Site.
This is the case if you subscribe to a newsletter, register for an event, contact us through email, submit a job application through the Site, login to a portal or request a proposal. Personal information you may submit through the Site includes your name, email address, phone number, company affiliation, state, education, employment background or other contact or personal information that you choose to disclose.
Certain features available on the Site may require you to submit personal information in order for those features to function as designed. This is the case, for example, when setting passwords or submission of your resume if you are applying for a job through the Site. You may choose not to provide personal information in those cases, but this may prevent you from being able to use those features.
We may also obtain information about you through external sources, such as public databases, service providers, joint marketing partners, social media platforms, from people with whom you are connected through social media platforms, and from third parties. We will treat such information in accordance with this Website Privacy Policy. We are not responsible or liable for the accuracy of the information provided by third parties or for third-party policies or practices.
Except as otherwise stated in this Website Privacy Policy, we do not sell, trade, rent, or otherwise share for marketing purposes the personal information that we collect through the Site with third parties.
In general, we use or may use your information for the following purposes:
We may share your personal information with the following entities or in the following circumstances:
There may be times when we share your personal information if we believe such disclosure is necessary, especially in the following cases:
We reserve the right to disclose any information about you that we obtain through the Site. You acknowledge that such transfers may occur and are permitted by and subject to this Website Privacy Policy.
We aggregate information regarding what portions of the Site users are visiting to develop statistics about the use of the Site. This information helps us create a better experience for users of our Site. For example, we may upgrade those parts of the Site that are heavily visited or optimize the website to work more efficiently with certain operating systems.
We may provide such aggregated, anonymized or statistical information to third parties, such as our advisers or consultants for research, analytical or strategic purposes. This information is not intended to allow the identification of any specific user of our Site.
We may use analytics services, cookies and other Tracking Technologies to help us analyze Site users and how they use the Site. Information generated by these services (e.g., your IP address and other Usage Information) may be transmitted to and stored by service providers and these service providers may use this information for purposes such as evaluating your use of the Site, compiling statistics reports on the Site’s activity and providing other services relating to Site activity and other internet usage.
The Site is not intended for, nor targeted to, children under 13, and we do not knowingly collect any personal information from children under 13. If we become aware that an individual submitting information is under 13, we will delete the information in accordance with applicable law.
Social Features and AdvertisingYou may find additional information on the products and services we distribute through third-party services, such as our social media websites (“Social Features”), including but not limited to Facebook, LinkedIn, Instagram and Twitter. Certain functionalities on the Site permit interactions that you initiate between the Site and the Social Feature. Social Features enable you to send content between the Site and a third-party service. These websites have their own privacy policies and data handling practices, which are different from ours.
Please take the time to review these policies before disclosing or posting information on or through these Social Features or any button that links to these Social Features. Please keep in mind that any information you share on Social Features, including on social media websites, interactive forums, message boards or chat rooms, may be publicly displayed by the third-party service you use. Also, both NFP and the third-party service providers may have access to certain information about you and your use of the Site and the third-party service. You should exercise caution when deciding to disclose or share your personal information.
We may engage and work with service providers and other third parties to serve advertisements on third-party services. These ads may be tailored to your interest based on your use of the Site and elsewhere on the Internet, sometimes referred to as “interest-based advertising,” which may include sending you an ad on a third-party service after you have left the Site (i.e., “retargeting”).
This Site may permit you to post or submit User-Generated Content (“UGC”) including, without limitation, written content, files, user profiles, or other content, including personal information. If you choose to submit UGC to any public area on the Site, your UGC will be considered “public” and will be accessible by anyone. Notwithstanding anything to the contrary, unless otherwise explicitly agreed by us, personal information included in the UCG is not subject to usage and sharing limitations, or other obligations, under this Website Privacy Policy or otherwise, and may be used and shared with third parties to the fullest extent permitted by applicable law. We encourage you to exercise caution when making decisions about what you disclose in such public areas.
Additionally, the Site may offer you the option to send a communication to a contact. If so, we rely on you to only send such communication to people that have given you permission to do so. The recipient’s personal information you provide (e.g., name, e-mail address) will be used to facilitate communication. Your contact information and message may be included in the communication.
The Site may contain links to other websites or services. NFP does not control the content or privacy policies of such third-party websites or services. Third-party sites may use their own Tracking Technologies to independently collect information about you or solicit personal information from you. NFP accepts no responsibility or liability for privacy or other issues related to the collection or use of your information by such other websites, services or third parties.
We urge you to be aware when you leave our Site, and to read the privacy statements of each website on which you land after you click on a link or social networking button located on our Site.
Links to third-party websites or services are provided for your convenience and information. The inclusion of a link to a third-party website or service does not imply endorsement of the third party’s data handling practices and does not imply that their practices are covered by this Website Privacy Policy.
We take reasonable technical, organizational and administrative measures to protect personal information collected through this Site against unauthorized or unlawful processing and against accidental loss, destruction or damage. However, because transmission via the Internet and online digital storage is not completely secure, we cannot guarantee the security of any information we may have collected from or about you through the Site.
When the circumstances require, we use encryption technology (data scrambling) and authentication tools to protect information that you may provide through the Site. In addition, our employees are instructed that such information is to be used only in accordance with this Website Privacy Policy, and other information security policies and procedures we may adopt from time to time, and the laws applicable to each specific business.
We will not collect any information such as your Social Security number or a bank or credit card account number, through the Site. Third-parties are used to process any bank card or credit card transactions. If you need to send us confidential information and are concerned about the security of the Site, then you should consider sending it via another secure connection or method.
If you believe that your interaction with the Site is no longer secure, please immediately notify us of the problem in accordance with the “How to Contact Us” section below.
If you no longer want to receive emails or marketing-related materials from us, you may opt out of receiving these materials by following the unsubscribe instructions in such messages or by contacting us as indicated in the “How to Contact Us” section below. We will comply with your request as soon as practicable. Please note that even if you opt out of receiving email alerts from us, we may continue to send you other email communications.
Each user has the right to review, change or suppress personal information that can reasonably be linked to, and that we have collected from that user. You may exercise this right by contacting us as indicated in the “How to Contact Us” section. For your protection, we may need to verify your identity before implementing your request. We will try to implement your request as soon as reasonably practicable.
However, please note that we reserve the right to refuse to act on a request that is manifestly unfounded or excessive (e.g., because it is repetitive) and/or to charge a fee that takes into account the administrative costs for providing the information or the communication or taking the action requested. If you have a question, comment or request, please contact us as explained in the “How to Contact Us” section below.
Regular cookies generally may be disabled or removed using tools available as part of most commercial browsers, and in some instances blocked in the future by selecting certain settings. Browsers offer different functionalities and options so you may need to set them up separately. Most browsers contain information on how to control or delete cookies. These settings will typically be found in the “Options” or “Preferences” menu of a browser. You may wish to refer to http://www.allaboutcookies.org/manage-cookies/. Also, tools from commercial browsers may not be effective with regard to Flash cookies (also known as locally shared objects), HTML5 cookies or other Tracking Technologies. Please be aware that if you disable or remove these technologies, some parts of the Site may not work and that when you revisit the Site, your ability to limit browser-based Tracking Technologies is subject to your browser settings and limitations.
Your browser settings may allow you to transmit a “Do Not Track” signal when you visit various websites. The “Do Not Track” feature of these browsers sends a signal that informs operators of services online that the user does not want certain information about their online activities to be collected over time and across websites or online services. The Internet industry has not yet agreed on a definition of what “Do Not Track” means, how compliance with “Do Not Track” would be measured or evaluated, or a common approach to responding to a “Do Not Track” signal. Consequently, due to the lack of guidance, like many websites, we have not yet developed features that would recognize or respond to browser-initiated “Do Not Track” signals.
You may exercise choices regarding the use of cookies from Google Analytics by visiting https://tools.google.com/dlpage/gaoptout or downloading the Google Analytics Opt-out Browser Add-on. You may exercise choices regarding the use of cookies from Adobe Analytics by visiting http://www.adobe.com/privacy/opt-out.html.
California law (referred to as the “Shine the Light” law) permits customers in California to request certain details about how their “personal information” (as defined by California Civil Code Section 1798.83/84) is shared with third parties for direct marketing purposes.
We do not share personal information with third parties or affiliates for those third parties’ or affiliates’ own direct marketing purposes. Californians may request information about our compliance with this law and our personal information handling practices by contacting as set forth in the How to Contact Us section below.
Your inquiry must specify “California Privacy Rights Request- California Civil Code 1798.83/84 Request” in the subject line of the email or the first line of the letter, and include your name, street address, city, state and ZIP code. Please note that we are only required to respond to one request per California resident per year.
For users who are residents of California, please also refer to our notice of California Privacy Rights.
We may modify or supplement this Website Privacy Policy from time to time because we may change our offering and/or data handling practices, or because new laws have been enacted. If we make any material changes to this Website Privacy Policy, we will post the updated Website Privacy Policy here, along with its effective date, and notify users as required by applicable law. You should review this page regularly to look for changes in this Website Privacy Policy.
Your continued use of this Site after we have posted changes to this Website Privacy Policy on this page with a new effective date will indicate that you agree to be bound by such changes. If any change to this Website Privacy Policy is unacceptable to you, please discontinue your use of the Site.
To write to us regarding this Website Privacy Policy and our personal information handling practices, please contact the NFP Privacy Office as follows:
Email: privacyoffice@nfp.com
Address: NFP
c/o Privacy Office
1250 Capital of Texas Highway, Suite 600
Austin, TX 78746
Toll-Free Phone: (866) 824-3817
We will do our best to respond to your request within 30 days and, in any event, we will respond within the timescales required by applicable data protection law.
Regarding email communications: note that email communications are not always secure. Thus, please do include any confidential or sensitive information in any emails.
Regarding postal communications: be aware that it may take us longer to route and process your request if it is made on paper than we would take with an electronic message.
We are required by the California Consumer Privacy Act of 2018 (“CCPA”) to provide to California consumers (as defined under CCPA) an explanation of how we collect, use and share their personal information, and of the rights and choices we offer California consumers regarding our handling of the personal information.
NFP Corp. and its subsidiary companies (“we”, “us” or “NFP”) provide insurance brokerage and consulting products and services, as well as other financial services and products, to corporate and individual clients.
This Privacy Notice (“Notice”) describes how NFP collects, handles and processes personal information in relation to your access or all of the services, websites and apps we offer (collectively, the “Services”), The Notice is a statement of our practices and of rights regarding your personal information and is not a contractual document, and does not create any rights or obligations on either party, beyond those which already exist under data protection laws. This Notice is intended to meet the requirements of the CCPA as amended. Bolded terms not otherwise defined in this Notice have the same meaning as set forth under the CCPA.
This Notice covers those applicable Services offered by NFP in California to consumers and their households, however this Notice does not apply, and excludes Services of our companies, as follows:
We collect personal information about California consumers as summarized in the table below.
Category |
Examples |
Sources |
Purposes for Collection |
Categories of Recipients |
Identifiers |
Name, postal address, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number |
Consumer Business partners Clients |
Providing Services Security Compliance & operations Research & development Quality control & audit |
Business partners Our companies* Government entities Operating systems and platforms Business/asset purchasers ** |
Customer/ Individual Records |
Name, address, telephone number, email address, signature, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, medical information, health insurance information |
Consumer Business partners Clients |
Providing Services Security Compliance & operations Research & development Quality control & audit |
Business partners Our companies* Government entities Operating systems and platforms Business/asset purchasers ** |
Protected Characteristics |
Marital/familial status, race, religion, disabilities |
Consumer Business partners Clients |
Providing Services Security Compliance & operations Quality control & audit |
Business partners Our companies* Government entities Operating systems and platforms Business/asset purchasers ** |
Commercial Information / Purchase Details |
Purchase history or tendencies |
Consumer Business partners |
Providing Services Compliance & operations Research & development |
Business partners Our companies* Business/asset purchasers ** |
Internet Usage Information |
Browsing history, search history, information regarding interactions with our website or advertisements |
Consumers |
Security Compliance & operations Research & development Quality control & audit |
Business partners Our companies* Operating systems and platforms |
Sensory Data |
Audio recordings of customer service calls, CCTV footage |
Consumers |
Providing Services Security Compliance & operations Quality control & audit |
Business partners Our companies* Operating systems and platforms |
Professional or Employment Information |
Professional, educational, or employment-related information |
Consumers |
Providing Services Security Compliance & operations Quality control & audit |
Business partners Our companies* Government entities |
Inferences from PI Collected |
Customer profiles reflecting preferences and predispositions |
Consumer Business partners |
Providing Services Research & development |
Business partners Our companies* Operating systems and platforms |
* We work closely with other businesses and companies that fall under NFP and its affiliates and subsidiaries, which may or may not be NFP branded
** We will not sell your personal information to third parties other than to the extent reasonably necessary to proceed with the consideration, negotiation, or completion of a merger, reorganization, or acquisition of our companies’ business, or a sale, liquidation, or transfer of some or all of our companies’ assets. In these situations, we will use reasonable efforts to ensure any such purchaser uses personal information transferred in accordance with this Notice.
Other than as noted above, we do not sell personal information and have not done so since January 1, 2019.
When required by applicable law, when we share personal information with corporate third-parties we will take reasonable efforts to ensure that such third parties maintain a comparable level of protection of the personal information as set out in this Notice by using contractual or other means. To the fullest extent permitted by applicable law, we exclude all liability arising from the use of your personal information by third parties.
Children’s Information
We do not knowingly collect online information from children under the age of 13. Our Services are marketed towards corporate entities and adults. If we are notified that we have collected personal information, as defined by the Children’s Online Privacy Protection Act (“COPPA”), of a child under the age of 13, we will delete the information as expeditiously as possible.
California consumers have the following rights. Please note that the CCPA limits these rights by, for example, prohibiting us from providing certain sensitive information in response to an access request and limiting the circumstances in which we must comply with a deletion request. If we deny your request, we will communicate our decision to you.
You also have the right of non-discrimination for access to our Services should you exercise any applicable rights under the CCPA. You also have a right to submit requests for these rights, including through a toll-free number. See HOW TO CONTACT US Section below.
We implement technical, organizational, administrative and physical measures to help ensure a level of security appropriate to the risk to the personal information we collect, use, disclose and process. These measures are aimed at ensuring the on-going integrity and confidentiality of personal information. We evaluate these measures on a regular basis to help ensure the security of the processing. Please be aware that, despite our ongoing efforts, no security measures are perfect or impenetrable. We restrict access to your personal information to those who require access to such information for legitimate, relevant business purposes. We seek commitments of confidentiality, security and proper use from third-party service providers we engage to process personal information.
We will keep your personal information for as long as we have a relationship with you. Once our relationship with you has come to an end, we will retain your personal information for a period that enables us to:
We will delete your personal information when it is no longer required for these purposes. If there is any information that we are unable, for technical reasons, to delete entirely from our systems, we will put in place appropriate measures to prevent any further processing or use of the personal information.
The NFP subsidiary providing you Services is primarily responsible for the personal information collected in relation to that Service, and your relationship managers at such firms can serve as a contact for your questions or concerns.
You may also contact the NFP privacy office as follows:
Email: privacyoffice@nfp.com
Address: NFP
c/o Privacy Office
1250 Capital of Texas Highway, Suite 600
Austin, TX 78746
Toll-Free Phone: (866) 824-3817
We reserve the right to make changes to this Notice at any time consistent with applicable local laws. Such changes, as long as they do not have a fundamental impact on the nature of our processing of your personal information or otherwise have a substantial impact on you, will be posted on our website (www.nfp.com). We encourage you to review the website and Notice periodically for any updates or changes.
This Notice is effective as of January 1, 2020.