What does this Policy Cover?

This CRC Tapco Statement of Online Privacy Practices (“Privacy Policy”) describes how we collect information when you visit or use CRC Tapco’s websites, and other online services (“Online Services”) that link to this Privacy Policy. It also describes how we use and share such information and explains your privacy rights and choices.
Our Online Services are intended for a U.S. audience. The terms “CRC Tapco,” “we,” “us,” or “our” mean CRC Tapco Wholesale & Specialty and its U.S. affiliates. “You” means an individual who visits our Online Services and does not refer to a business or other entity or to individuals outside the U. S.
CRC Tapco’s business address is CRC Tapco Underwriters, LLC, 3060 S Church St, Burlington, NC, USA. CRC Tapco Customer Service may be reached at 800-334-5579.
Should you have questions regarding CRC Tapco’s Privacy Notices, please contact our Compliance Privacy Group at tihcompliance@tihinsurance.com or by calling 866-858-5158.

What isn’t covered by this policy?

This Privacy Policy does not apply to the websites or services of CRC Tapco’s businesses and affiliates that do not directly link to this policy. Some CRC Tapco businesses and affiliates have their own privacy policies, which can be found on their websites. It also does not apply to non-CRC Tapco companies, such as third-party websites to which we link online. Please review the privacy policies of other websites and services you visit to understand their privacy practices.

Other important notices

Our CCPA Notice At Collection relates to the California Consumer Privacy Act applies to certain information we collect about California residents.

What information does CRC Tapco collect?

When you visit a CRC Tapco website, application, or otherwise interact with us online, we may collect the following information:

• Your browser type (such as Google Chrome, Microsoft Edge, Apple Safari, Mozilla Firefox)
• Your Internet Protocol or “IP” address (Your IP address is a number that is automatically assigned to your device by your Internet Service Provider. An IP address is identified and logged automatically whenever you visit a site, along with the time of the visit and the page(s) that were visited)
• The presence of any software and hardware on your device that may be necessary to view our site
• Configuration information about the device you are using, including, but not limited to, your device type, web browser type and version, operating system type and version, display/screen settings, language preferences, domain names, access times and referring website addresses.
• Personal information submitted on applications, forms, and onsite electronic messaging. Types of personal information typically include:
• Name
• Driver's license number or other government-issued ID
• Address
• Email
• Telephone number
• Policy or other account information
• Usernames
• Passwords and other authentication information
• Other non-public information
• Communication or opt-out preferences (such as email or text messages)
• Website analytics information such as pages visited and average time spent on a particular page to determine what CRC Tapco services are the most popular. This data is used to deliver customized content and advertising within CRC Tapco to customers whose behavior indicates that they are interested in a particular subject area.

How does CRC Tapco share the information it collects?

CRC Tapco shares your information in different ways as permitted and required by law. For example, we may share your information with:

• Affiliates and other entities of the CRC Tapco
• Businesses with which we partner to offer products and services for our clients or prospective customers
• Service providers that provide various services to us, such as those we use to help detect and prevent fraud
• Government entities and other third parties as needed for legal or similar purposes, such as:
• To respond to requests from our regulators
• To respond to a warrant, subpoena, governmental audit or investigation, law enforcement request, legal order, or other legal process
• To facilitate a merger, acquisition, sale, bankruptcy, or other disposition of some or all of our assets
• To exercise or defend legal claims

Please note, we may also share aggregated and de-identified data, such as aggregated statistics regarding product usage, with third parties.
We reserve the right to transfer personal information we have about you in the event we sell or transfer all or a portion of our business or assets (including, without limitation, in the event of a reorganization, dissolution, or liquidation).

What if I am visiting the CRC Tapco website from outside the United States?

Our sites are intended only for U.S. and Canadian residents and we do not knowingly collect personal data or information via our websites of residents of other jurisdictions.

How long does CRC Tapco retain records?

We store your personal information as long as it is required to meet our contractual and legal obligations, or if we have a legitimate business need to do so.

What technologies does CRC Tapco use?

CRC Tapco and its online advertising and marketing partners may employ various technologies to collect information, including:

• Cookies- Cookies are pieces of information stored directly on your device. Cookies provide information that is used for security purposes, to facilitate navigation, to display information more effectively, and to personalize/customize your online experience. The cookies CRC Tapco uses do not collect or store any personally identifiable information about you. CRC Tapco uses persistent cookies to learn how visitors use our site, such as which pages are viewed the most, to identify the most common navigation paths, or to customize the presentation of information on the site. CRC Tapco also uses session cookies to learn how visitors use our site or for login access and authentication purposes. Session cookies are no longer active after you log off the service that initiated them, and all session cookies are automatically deleted when you close all browser windows. CRC Tapco may also partner with third parties, including, but not limited to, Google (see Advertising, below), to track user activity on our website. You can choose to block or disable these cookies as most devices and browsers offer their own privacy settings. Doing so, however, may result in diminished performance on our site.
• Firewalls, passcodes, data encryption, and other safety features - CRC Tapco uses these technologies to help secure the information you provide to us.

How does CRC Tapco interact with me online?

Online advertising on CRC Tapco websites and applications
CRC Tapco advertises its products and services on pages within our sites. To make the content and advertising as informative and useful as possible, CRC Tapco may target and personalize content and advertisements for products and services on our site.

Online advertising on third-party websites and applications

CRC Tapco may advertise its products and services on websites and applications not affiliated with CRC Tapco. The third-party companies we hire to display these ads use their own tracking technologies to measure the effectiveness of these ads and to understand your interests. Many of our third-party partners have their own privacy policies. We encourage you to review these policies carefully.

Social media

CRC Tapco provides experiences on social media platforms such as LinkedIn, or that enable online sharing and collaboration. We use social media to facilitate social engagement and sharing, when such sharing is appropriate and safe. Please note, any content you post, such as pictures, information, opinions, or any personal information that you make available to other participants on these social platforms, is subject to the terms of use and privacy policies of those platforms. Please refer to them to better understand your rights and obligations with regard to such content.

Given the very public nature of social media, it is critical that we all safeguard confidential financial information. If you post information on a CRC Tapco site that we feel should be shielded from public view, we will remove it. This includes not only specific details about your CRC Tapco accounts and other private, confidential information (such as your Social Security number), but details of information relayed in private conversations between you and CRC Tapco representatives. Please know that in taking down or editing your posts, we are focusing our experience and best judgment to keep your personal information safe.

Email

Email transmitted across the internet is normally not protected and may be intercepted and viewed by others. Therefore, you should refrain from sending any confidential or private information via unsecured email to CRC Tapco. We'll never ask you to send confidential information to us via email, such as your logon ID, password, full account numbers, or Social Security number.

Occasionally, we will retain the content of your email—and our replies—to confirm proper responses to your questions and requests, to comply with legal and regulatory requirements, and to ensure that we consistently deliver an enjoyable client experience to you.

Linking to other sites

CRC Tapco may provide links to non-CRC Tapco companies, such as business partners or other resources. If you choose to link to websites not controlled by CRC Tapco, we are not responsible for the privacy or security of these sites, including the accuracy, completeness, reliability or suitability of their information. If you are asked to provide information on one of these sites, we urge you to carefully study their privacy policies before sharing.

Control your online and other privacy preferences

In summary, the following links can help you to customize and control your privacy preferences when interacting with CRC Tapco online:

• Do Not Track
  At this time, we do not currently respond to other browser “do not track” signals or other mechanisms that allow you to tell websites you do not want to have online activities tracked.

You can also control your marketing preferences for direct mail, email, and telemarketing preferences, along with the sharing of your personal information via our automated voice response line at 866-858-5158, or via email to tihcompliance@tihinsurance.com.

How does CRC Tapco protect my children?

CRC Tapco strictly follows the federal guidelines of the Children’s Online Privacy Protection Act (COPPA), which gives parents control over what type of information is collected online about their children. We do not knowingly collect, maintain, or use personally identifiable information from children under age 13 on our websites. We are not responsible for the data collection and use practices of nonaffiliated third parties that are linked from our websites. Visit the Federal Trade Commission’s COPPA Website for more information.

How does CRC Tapco protect me from fraud and secure information?

To protect personal information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include device safeguards, secured files and buildings, as well as oversight of our third- party service providers to help protect the confidentiality and security of information. Please email the Compliance Privacy Group at tihcompliance@tihinsurance.com.

How can I make sure my information is accurate, and use my individual rights?

Keeping your account information accurate and up to date is very important. If your account information is incomplete, inaccurate, or not current, please contact your agent, or the broker or underwriter assigned to your account. You can also email us at tihcompliance@tihinsurance.com or call 866-858-5158.
We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws. Please see additional information regarding what may be available under the California Consumer Privacy Act (CCPA) here. We will ask you to verify your identity to help us respond efficiently to your request.
Under non-U.S. data protection laws, you may have the right to complain to a data protection authority about our collection and use of your personal information.

How will CRC Tapco notify me about online privacy practices updates?

CRC Tapco’s Online Privacy Practices may be revised from time to time, so please review them periodically. Any changes will become effective when we post the revised Practices on the site (Please note the effective date listed at the top of this page). If we revise our Online Privacy Practices in a material way, we will provide a conspicuous notice on our website when any changes take effect.

How can I contact CRC Tapco?

CRC Tapco welcomes your comments regarding this Statement of Online Privacy Practices. If you believe that CRC Tapco has not adhered to this Statement, please contact CRC Tapco at tihcompliance@tihinsurance.com or via phone 866-858-5158. We will use commercially reasonable efforts to promptly determine and remedy the problem.