Privacy Policy

This is the Privacy Statement for website of CM&F Group, Inc. (CM&F), which is at located at www.CM&Fgroup.com (the Website).

Except for the "Contact Us" and "Interactive" pages discussed below, the Website is provided for your general informational purposes only. And, except as discussed below, CM&F and its affiliates do not collect or utilize personal information (that is, information from which an individual may be identified) from visitors to the Website.

OUR "CONTACT US" PAGE

Information you send via email using the "Contact Us" page on the Website will be used to respond to your inquiry. In some instances, your inquiry might appropriately be answered by our referring to your inquiry to an insurance carrier with which we regularly work (for example, AIG, Travelers, Chubb, CNA, Fireman's Fund, St. Paul, XL Capital, etc.), and in those cases we may, as we think appropriate, forward your inquiry, and some or all of the information that you provide, to one or more of those carriers for purposes of responding to your inquiry. CM&F does not use for marketing purposes without your permission the information you submit to us. We do not share the information you submit with third parties for marketing purposes without your permission. If we think it appropriate to forward your inquiry, and the information you submit, to a carrier, we cannot control the carrier's further use of the information you submit. Generally, the insurance carriers with which we work have similar policies; however CM&F does not accept any responsibility for the carriers' policies or practices.

OUR "INTERACTIVE" PAGES

The Website also has interactive pages that are designed to permit you apply for certain types of insurance coverage and otherwise transact business with us via the Internet. Personal information you send using the interactive pages will be used by CM&F and by the applicable insurance carrier(s) to process your application. CM&F and the applicable carrier(s) will also use the information you provide to administer your insurance (for example, billing, manage claims, renewals, etc.). Information you send using the interactive pages may and will be maintained by CM&F and by the applicable carrier(s) as permanent records. Any information you send to us via the Internet in connection with an insurance application or insurance administration may and will be used and shared in accordance with law and industry practice in the same manner and for the same purposes as if you had provided the same information in writing. CM&F does not use applicants' and customers' insurance application and administration information for marketing purposes other than for renewals and using your contact information to send you information about other insurance products that may be of interest to you. CM&F does not share your personal information with third parties for marketing purposes, however CM&F may use your contact information to directly offer to you services and products available from CM&F that may be of interest to you. Generally, the insurance carriers with which we work have similar policies; however CM&F does not accept any responsibility for the carriers' policies or practices.

ENCRYPTION AND INTERNET SECURITY

Our interactive pages use secure socket layer (SSL) encryption technology for browser contact. SSL protects the privacy of information as it crosses the Internet between your web browser and our web server. You can tell if you are visiting a secure area by looking at the padlock symbol at the bottom of your browser screen. If it is "locked," you have a secure session.

Presently, regular e-mail correspondence between you and CM&F is not encrypted over the Internet.

Also, there is a danger that others may have access to your e-mail through your own computer system.

STATISTICAL INFORMATION

Statistical information derived from the information submitted to CM&F may be shared with third parties, however, such statistical information is not associated with any individual in a personally identifiable manner.

COOKIES

This Website uses cookies to allow you to select a preferred location view and default home page view, and to let you access recently visited links (such as products, services, and individual CM&F pages) more easily. These cookies also permit the CM&F to store your recently visited pages so we can display information to you more effectively.

Using your web browser's Tools or Options or Preferences functions, you can disable or de-activate or remove cookies. If you disable cookies on your browser, the site will not remember certain functional preferences. You will not be able to access a preferred location view, a customized default home page view, or your recently visited links.

We may collect and share cookie information third party business partners and service providers so that we can continue improving this site and the services available to you. If we do collect and share this information, we will do so only in aggregated, non-personally identifiable format, for example, to track how many users viewed a particular product page during a given month.

We may also use a service that collects data remotely by using web beacons or tags embedded in our site's content. The data we collect includes which operating system and browser you use, how you navigate to and through our site, and how long you stay on our web pages. This information is anonymous and does not include your name, e-mail address, or any other contact or personal information. We may share this anonymous information with service providers to give us reports of this aggregated, anonymous data. We will use this aggregated, anonymous data to improve our site by responding to our users' interests and providing more relevant and useful information.

LINKS

Although the Website does not generally have links to any other website, if there are such links (and if you utilize them) the operator of such other website may collect information about you, including through cookies or other technologies. In addition, your Internet or other service provider(s) may collect information about or submitted by you while you use the Website, or any other website. You acknowledge that information collection or privacy practices of any party other than CM&F are not monitored or controlled by CM&F is not responsible for such websites. Links on the Website to other websites are provided only as a convenience, and the inclusion of such links does not imply endorsement of the linked site. You should review the privacy policies of any other website that you visit to understand how your information is collected and used.

RESERVATION

Notwithstanding the information and policies stated above, the right to use and disclose to third parties any information under the following circumstances is reserved: when the law permits it (such as, for example, to comply with laws or to respond to governmental authorities); to legal advisors; and to protect the rights, property, safety or security of CM&F, Website visitors or the public.

This Privacy Statement applies solely to online information collection and use practices in connection with this Website. It does not apply to any practices conducted offline.

CM&F reserves the right to make changes to this Privacy Statement from time to time, which will be provided to you by posting the revised draft of the Statement on this Website. You will be able to determine when this Statement was last revised by checking the "Last Revised" legend at the top of the Statement.