Privacy Policy

This notice describes our privacy policy (“Notice”). By visiting our Web Site (“Web Site”), you are accepting the practices described in this Notice.

ARTICLE I– PRINCIPLES:

Section 1.01 -- Principles: We may gather and use information as follows:

(1) Notice: We may gather and use information as follows:

(a) Volunteered Information: We will receive and  store any information you enter on the Web Site or give us in any other way that personally identifies you to improve your experience at the Web Site, to get a better general understanding of the type of individuals visiting the Web Site, and to enable us to contact you when needed.  Typically you will provide information on the Web Site for the purchase of products or services or when you  submit comments or questions for review by us.

(b) Automatic Information: To enable us to provide content that users need and desire, we collect aggregated site-visitation statistics using cookies. A Cookie is simply a small data file we place on your computer’s hard drive when you first visit the Web Site (“Cookie”). This file contains a unique number that helps us identify you when you return to the Web Site. Cookies are employed by thousands of web sites to enhance users’ web viewing experience. Cookies can neither damage user files nor can they read information from users’ hard drives. We combine all usage information provided by such Cookies and we do not monitor your use of the Web Site. Allowing us to create a Cookie on your hard drive will not give us or any other site access to the rest of your computer’s hard drive, and only we will be able to read the Cookie that the Web Site creates.

(c) Information Use: We use information for personal identification; to get a better general understanding of the type of individuals visiting the Web Site; to respond to your requests for purchases, comments, or questions; to improve your experience at the Web Site; to collect aggregated site-visitation statistics; and to alert you to product enhancements, special offers, updated information, and other new services from us. We also use information to alert you of subscription renewal discounts, to automatically renew your subscription and advise you of upcoming service offerings and events.

We may disclose information to third parties, including selling or disclosing customer lists to commercial or charitable users thereof. Disclosure for such purposes is limited to your name, company, position, address, phone and fax numbers, and web site and email addresses. If you do not wish to have such information disclosed, please let us know by contacting us. To enable us to process your request, please include your name and address. Once properly notified, we will remove your name from the lists and disclosures as soon as we practicably can in the course of normal business practices.

When you order products or services from us, we ask for your credit card number and billing address. We use this information only to bill you for the products or services you order at that time and for no other purpose. Annual subscriptions are payable on the purchase date of the Subscription and renew automatically each anniversary unless canceled in writing thirty days in advance of each anniversary date.

Any user questions or comments submitted to us may become available in the public sections of the Web Site, including a section entitled “Frequently Asked Questions,” immediately after such questions or comments are submitted to us. If we publicize any user questions, such questions will not contain facts that identify the user or the specific parties involved. We also reserve the right to use any user comments submitted to us for promotional purposes and by submitting such comments to us you agree that we may do so.

We may release any user information if required to comply with law; to enforce or to apply the Web Site Terms and Conditions; or under the good faith belief that disclosure is otherwise necessary or advisable including, without limitation, to protect the rights, properties, or safety of us or our users.

(2) Choice: We give you a choice as to the type and amount of private information we have, as follows:

(a) Volunteered Information: You can always choose not to provide certain information to us. If you choose not to provide personal information, you can still use many parts of the Web Site. However, you will not be able to purchase products and services and you will not be able to take advantage of many of our features. If you have previously provided certain information to us and you desire to remove such information from our databases, or if you do not wish for your information to be disclosed to third parties, you may contact us to remove such information.

(b) Automatic Information: Most web browsers automatically accept Cookies, but if you prefer, you can edit your browser options to block Cookies in the future. The “Help” portion of the toolbar on most browsers will explain how you can prevent your browser from accepting new Cookies, how to set the browser to inform you when you receive a new Cookie, or how to reject Cookies altogether.

(3) Access: We provide you with the ability to ensure that your personal information is correct and current. You may review and update your personal information by contacting us. For security purposes, we require user verification via user’s user name and password to receive personal information.

(4) Security: We protect the security of your personal information. We takes steps to protect your data from loss, misuse, alteration, destruction, or unauthorized access. We use sophisticated security technologies to secure users’ ordering information, user name, and password. We encrypt users’ ordering information, user name, and password (including users’ credit card account number) using Secure Socket Layer (“SSL”) technology. SSL is a proven coding system that lets your browser automatically encrypt, or scramble, data before you send it to us. To support this technology, users must have an SSL-capable browser. SSL is one of the safest encryption technologies available. While we use such sophisticated security technology to secure users’ ordering information, user name, and password, we cannot guarantee that any electronic commerce is totally secure.

Section 2.01 -- User Safeguards: You are responsible for maintaining the secrecy of your user name, password, and any account information. It is important for you to be responsible and protect your user name, password, and computer against unauthorized users. It is important to sign off when you have completed using a computer accessible by others.

Section 3.01 -- Children: We do not sell products for children. Users of the Web Site must be at least eighteen years old. If a child has provided us with personal information, that child’s parent or guardian should contact us  to delete such information from our records.

Section 4.01 -- Third Party Web Sites: Please be aware that the Web Site may have links to third party web sites that may collect personally identifiable information about you. When you click on one of these third party links, you are entering another web site for which we have no responsibility. This Notice does not cover the information practices or policies of such third party web sites. We encourage you to read the privacy statements of all such web sites since their privacy policies may be materially different from our Notice.

Section 5.01 -- Agreement and Modification: By using and accessing the Web Site you indicate that you have read and understand this Notice and you consent to the collection and use of information by us in the manner explained in this Notice. This Notice and the Web Site Terms and Conditions, including without limitation, provisions covering limitations on damages, arbitration of disputes, and the application of Texas law govern any dispute over privacy. By using and accessing the Web Site you agree to indemnify us for any and all third party claims resulting from your breach of this Notice or the Web Site Terms and Conditions. If you have any questions or concerns about your privacy at the Web Site, please contact us. If you do not accept this Notice, do not access and use the Web Site. We may revise this Notice at any time without notice by updating this Notice. Any modifications in the way we use personal information will be provided in future updates of this Notice so you are always aware of what information we collect, how we use it, and under what circumstances we disclose such information. Modifications will be effective immediately and will be available on the Web Site. You should visit this web page periodically to review the Notice. User accepts any such modifications to this Notice by continued use of the Web Site after such modifications are made.

Section 6.01 - Google Analytics: Please be aware that Google Analytics Demographics and Interest Reporting may be tracking visitor data on this website. Google Analytics may use cookies to collect this data, which is used to get a better general understanding of the type of individuals visiting the Web Site; to collect aggregated site-visitation statistics; and to improve marketing and customer service initiatives through the website. This information will not be sold to third parties, and the data collected to Google Analytics Demographics and Interest Reporting is not personally identifiable. If you'd like to opt-out of Google Analytics Demographics and Interest Reporting, click here.

Our Privacy Policy-

At Stephens Insurance Group, we are committed to protecting your privacy as a visitor to this Web site and as our customer.  To our visitors and to out customers, we offer this pledge:
Stephens Insurance Group is the owner of this information, which is collected on this Web site.  We will not sell, disseminate, disclose, trace, transmit, transfer, share, lease or rent any personal identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.
Information Collected-
We will ask you to provide your personal information to us when you enroll for coverage and when you purchase in insurance policy from us.  We will also ask you to provide your personal information policy as Stephens Insurance Group, we will ask you to provide your name, home address, mailing address, telephone number and e-mail address.  This information well be provided to the insurance company when you purchase an insurance policy so they can establish you as a policy holder.  We will maintain a record of your information at the offices of Stephens Insurance Group, so we can provide you with the policyholder service.  The employees of Stephens Insurance Group are each required to sign and acknowledge a Confidentially And Nondisclosure Agreement.  Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer's personal information.

When you purchase an insurance policy from Stephens Insurance Group, you will  pay the premiums with you credit card or personal check.  If you use your credit card to pay the premium, your credit card information is deleted from our records after your purchase has been authorized.  A transaction number will be provided to you on your Binder of Insurance.  You may use this transaction number as a reference to the credit card purchase.  We do not keep a record of your credit card information.  If you pay the premium using your personal check, we will keep a copy of your check on file.

When you send us an email from this website, you will provide us with a certain personally identifiable information including your email address.

Cookies
A cookie is a piece of date that is stored on a visitor's hard drive while they are visiting this Web Site.  We may utilize a short-lived form of cookie when you visit this site.  At Stephens Insurance Group, a cookie is only used to identify one unique visitor during a particular session. A session is the period of active site-use while that unique visitor is linked to our server.  We may use cookie technology during a session as a tool to carry forward your input information during the enrollment process.  This enables the visitor to input their information once and have the information appear later during the enrollment process.  No personally identifiable information is stored on the cookie.  The cookie expires and is deleted from the visitor's computer as soon as they close their browser or if they are not actively browsing our Web site for more then 20 minutes.  Should a previous visitor to our Web site return for a new session, they will be issued a new cookie and in no way will they be recognized as a visitor from a previous visit or session.

Third Party Links
This web site may contain links to third party Web sites that are not controlled by Stephens Insurance Group.  These third party links are made available to you as a convenience and you agree to use these links at your own risk.  Please be aware that Stephens Insurance Group is not responsible for the privacy policy or practices of third party Websites linked to Stephens Insurance Group.  Our privacy policy only applies to information we collect from you while you are at and while you are actively in a session with Stephens Insurance Group.  If you should link to a third party Web site from Stephens Insurance Group, we strongly encourage you to review and become familiar with that Web site's privacy policy.

Changes in our Privacy Policy
We reserve the right to change this Privacy Policy without providing you with advance notice for our intent to make changes.

If you have any questions about our privacy policy, please feel free to contact us at:

AGENCY CONTACT INFORAMTION