We collect information to provide services to you and to improve our Website and products. The type of information we collect varies depending on your relationship with us and how you use the Website. The information we collect may be “personal information,” which is information that can identify, describe or is capable of being associated with you, or “non-personal information,” which is de-identified or cannot be used to identify you. Information that is publicly available about you is not considered to be personal information.

 We collect:

• Information you provide to us: We collect information you provide to us by filling out forms on the Website, registration or responses you provide to inquiries on the Website. This information may include your name, email address, address, phone number, and any other information you provide to us on our online forms. You are not obligated to provide information to us, but you may not be able to access certain features of the website if you do not provide requested information.

• Automatic Information: Our Website automatically collects certain information from you, such as the date and time of access, the area(s) of the Website visited, browser type, operating system, host or Internet Service Provider (ISP), IP address, location at the city level and identification of the site from which you may have been referred to our Website.

• Information received from others: We may receive information from third parties about you, such as medical records, motor vehicle records or claims information.

This Website is not intended for children, and we do not knowingly collect personal information from children under the age of 13.

FCCI uses your information in order to administer commercial insurance policies, to provide our policyholders and bondholders with efficient service like filing a claim, to improve our Website, and for our other everyday business purposes such as brand-building and recruiting.

We share your information with our affiliates and non-affiliated third-parties, such as our service vendors, business partners or agents, for our business purposes, and as provided by law.

Our business purposes may include, but are not limited to, administration of policies, processing claims, communicating with you, responding to court orders and legal investigations, reporting to credit bureaus, reporting to government agencies, analyzing our services, detecting fraud, creating and improving modeling, and protecting our security.

We may also share your personal information with your express consent. We may share information collected automatically as described above with third-party tracking tools, like Google Analytics. You may opt out of Google Analytics as provided in the Analytics and Advertising section below.

We do not share your creditworthiness information with our affiliates or non-affiliated third parties for their everyday business purposes. We do not share your personal information with non-affiliated third parties except as described in this section.

Certain pages on our Website may provide content tailored for specific customers. Personal information supplied through the registration process will be kept confidential and we do not disclose that personal information to non-affiliated third parties, except where permitted or required by law. Additional privacy notices may be provided.

The Website may contain links to other non-FCCI websites. FCCI is not responsible for the content or privacy practices of any other websites on the Internet that are linked to or from the Website. Please note
that when you click on a link on the Website, you may be transferred to another website that may not be under FCCI’s control. FCCI encourages you to read the privacy statements on any of those linked sites as their privacy policies may differ from this Policy.

Users may encounter forums, blogs or other interactive features on our Website that are designed to give consumers the opportunity to share information. FCCI wants you to know that other users of our Website may be able to view any communications you make through such interactive features. As a consequence, you acknowledge through your use of such interactive features that you understand that you do not have any expectation of privacy or confidentiality regarding any content provided through such features, regardless of the type or nature of the information provided. You remain fully responsible for any content you provide through forums, blogs or other interactive features on our Website. You agree not to upload or post content that is obscene, discriminatory or illegal in nature. FCCI retains the right to remove your content, in its sole discretion. FCCI makes no representation or warranty as to the accuracy or completeness of content posted by users, and hereby disclaims liability in connection with reliance upon user generated content.

“Cookies” are small files of information that may be stored by your browser or on your computer’s hard drive. FCCI may use Cookies to tailor your experiences with the Website. For example, FCCI may use Cookies to determine whether a visitor is new or has previously viewed the Website. You will still be able to access the Website should you decide to not allow your browser to accept Cookies or you delete Cookies associated with the Website. But, your experience with the Website may not be as efficient when such settings are applied, and it is possible that you may not be able to access all parts of the Website.

The Internet is not a secure communications medium. While FCCI does employ many safeguards to protect personal information transmitted to it over the Internet, and does periodically test the security of its systems, FCCI is unable to assume responsibility for any harm, loss or damage that you may experience from the transmission of information by or to FCCI over the Internet.

 FCCI takes reasonable steps to ensure that the privacy of your non-public personal information is maintained. We maintain physical and electronic safeguards to protect information we acquire. We periodically review and test our electronic systems to assess the strength of our security precautions. 

The Website uses Google Analytics, which is a web analytics service offered by Google that tracks and reports on website traffic. Google uses the data collected to track and monitor use of the Website. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. You can opt-out of having your activity on the Website available to Google Analytics by installing the Google Analytics opt-out browser add-on, currently available at https://tools.google.com/dlpage/gaoptout. The add-on prevents the Google Analytics JavaScript from sharing information with Google Analytics about your visits and activity. For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: http://www.google.com/intl/en/policies/privacy/

                                                                                                                                                                                            If you have any questions regarding this privacy policy or should you desire to access and correct personal information that you submitted through the Website, please send a written request to the address designated below. FCCI will make corrections, whenever possible, but we may not be able to provide information relating to claims, litigation, investigations and other matters. Kindly address questions and requests as follows:

BY MAIL:                                                                                                                                                                  FCCI Insurance Group, Attention: General Counsel, 6300 University Parkway, Sarasota FL  34240-8424

BY EMAIL:                                                                                                                                                                             ComplianceDepartment@fcci-group.com

*All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.