Privacy Policy
At The Ferguson Insurance Team, we take your privacy, and the confidentiality of your personal information seriously, both as a visitor to our website and as our client, and we are committed to protecting your privacy.
Our Committment to You:
The Ferguson Insurance Team is the owner of the information, which is collected on this Web site. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally 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 Collection
We will ask you to provide your personal information to us as part of the process of quoting and considering various insurance products, as well as when you apply for coverage or purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send e-mail to us from this Web site. When you purchase any insurance policy from The Ferguson Insurance Team, we will ask you to provide your name, home address, mailing address, telephone number and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy so they can establish you as a policyholder.
We will maintain a record of your information at the offices of the Ferguson Insurance Team so we can provide you with policyholder service. The employees of The Ferguson Insurance Team are each required to sign and acknowledge a Confidentiality 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 send us e-mail from this Web site, you will provide us with certain personally identifiable information including your e-mail address.
We may collect personal information from:
You, on applications or other forms. Information we collect may include names, address, and social security numbers.
Your transactions with us, such as payments of premiums or submission of claims.
Third parties, including doctors, employers, and other insurers. Information we collect may include medical records, employment history and claim history.
Credit reporting agencies, insurance reporting agencies, government agencies, and medical information providers.
Text Messaging
Clients may choose to communicate with the Ferguson Insurance Team by text messaging, also known as SMS messaging, for their convenience. Text messages from the Ferguson Insurance Team will be sent from our main office number (843) 797-7285. We use text messaging to communicate only with clients who have granted us permission, and to communicate regarding their insurance policies currently in force or may be considering, as well as to provide a channel for communications with our clients about billing, claims, endorsements, renewals, quotes, and other general questions or concerns as they may arise. We do not use text messaging for mass marketing or other advertising purposes, nor will we sell, rent, or lease our clients phone numbers to third parties. Standard carrier rates apply for all text messaging with The Ferguson Insurance Team.
Information Disclosure
Our agency makes every effort to maintain absolute privacy while using our web site. If information is ever viewed by another party, it is purely accidental and by using our web site, you release us from any liability should this information be downloaded, viewed or retrieved against our privacy rules. We shall not be liable for any unlawful acts of others who steal this information through any means.
We do not sell nonpublic information to anyone. We do not disclose nonpublic personal information to our affiliates or to non-affiliated third parties, except as required or permitted by law. As permitted by law, we may share nonpublic information with companies that perform administrative or marketing services to us. Our contracts with such companies prohibit them from using nonpublic personal information for any purpose other than that for which they were hired.
Disclaimer
Please contact our office at (843) 797-7285 to discuss specific coverage details and your insurance needs. In order to protect your privacy, please do not send us your confidential personal information by unprotected email. Instead, discuss that personal information with us by phone.
Statements on this website as to policies and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverages pertain to their individual situation.
Information provided on this website does not constitute professional advice. If you have legal, tax or financial planning questions, you need to contact a qualified professional.
Notice of Insurance Information Practices
Personal information about you, including information from a credit report and loss history may be collected from persons other than you in connection with the application for insurance and subsequent policy renewals. You have the right to review your personal information in our files and can request correction of any inaccuracies. Such information as well as other personal and privileged information collected by us or our agents may in certain circumstances be disclosed to third parties without your authorization to assist in servicing your account. A more detailed description of your rights and our practices regarding such information can be accessed by contacting your agent or broker and asking for additional details about our information and disclosure practices.
Any person who knowingly and with intent to defraud any insurance company or another person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and subjects the person to criminal and civil penalties.
Cookies
A cookie is a piece of data that is stored on a visitor's computer while they are visiting this Web site. We may utilize a short-lived form of cookie when you visit this site. At The Ferguson Insurance Team, a cookie is only used to identify one unique visitor from another 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 to us. 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 than 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 The Ferguson Insurance Team. 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 we are not responsible for the content of third party Web sites linked to us nor are we responsible for the privacy policy or practices of third party Web sites linked to The Ferguson Insurance Team. Our Privacy Policy only applies to information we collect from you while you are at and while you are actively in a session with The Ferguson Insurance Team. If you should link to a third party Web site from Viall Insurance Agency, 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 of our intent to make the changes.
If you have any questions about our privacy policy, please feel free to contact us at contact@fergusoninsuranceteam.com or (843) 797-7285.