Privacy Policy

Your Privacy Is Important To Us

Last Updated April 19, 2018

Orchid Insurance is located at:
Orchid Insurance
1201 19th Place, Suite A110
Vero Beach, FL 32960
866-370-6505

It is Orchid Underwriters Agency, LLC (“Orchid Insurance”) policy to respect your privacy regarding any information we may collect while operating our website. This Privacy Policy applies to orchidinsurance.com (hereinafter, “our Website”, “us”, “we”, or “orchidinsurance.com”). We respect your privacy and are committed to protecting personally identifiable information (“PHI”) you may provide us through the Website. Personally identifiable information is any information that can be used to distinguish or trace an individual’s identity, either alone or when combined with other personal or identifying information that is linked or linkable to a specific individual.  This may include:

  • Name
  • User name
  • Postal address (including billing and shipping addresses)
  • Telephone number (including home and mobile phone numbers)
  • Email address
  • Credit and debit card number
  • Profile picture
  • Social media account ID
  • Country of residence

Orchid has  adopted this Privacy Policy (“Privacy Policy”) to explain what information may be collected on our Website, how we use this information, and under what circumstances we may disclose the information to third parties. This Privacy Policy applies only to information we collect through the Website and does not apply to our collection of information from other sources.

This Privacy Policy, together with the Terms and conditions posted on our Website, set forth the general rules and policies governing your use of our Website. By providing Personal Information to us, you agree to the terms and conditions of this Privacy Policy.

How We May Collect Personal Information

  • Online tracking: Because we do not track our Site users over time and across third- party websites, we do not respond to browser do-not-track signals.

To the extent permitted by applicable law, the Personal Information you provide through the Sites may be combined with Personal Information and Other Information that you provide to us (via online or offline means), that is publicly available, or that we may otherwise obtain online or offline, including, for example, from providers of demographic and other information, social media platforms and other third parties.

How We May Use Personal Identifiable Information

To the extent permitted by applicable law, we may use Personal Information:

  • to respond to your inquiries and fulfill your requests, such as to send you newsletters or to respond to your questions and comments.
  • to send administrative information to you, for example, information regarding the Sites and changes to our terms, conditions, and policies.  Because this information may be important to your use of the Sites, you may not opt-out of receiving these communications.
  • to provide you with updates and announcements concerning our products, promotions and programs and to send you invitations to participate in special programs.
  • to re-contact you if we have not heard from you in a while.
  • to permit you to participate on message boards, chat, profile pages and blogs and other services to which you are able to post information and materials (including our Social Media Pages).  Please note that any information you post or disclose through these services will become public information, and may be available to visitors to the Sites and to the general public.  We urge you to be very careful when deciding to disclose your Personal Information, or any other information, on the Sites. Please see the “Choices and Access” section below, to learn how you may request removal of your posts.
  • to permit you to participate in social sharing, including live social media feeds.
  • for our business purposes, such as analyzing and managing our businesses, market research, audits, developing new products, enhancing our Sites, improving our services and products, identifying usage trends, determining the effectiveness of our promotional campaigns, tailoring the Sites experience and content based on your past activities on the Sites, and gauging customer satisfaction and providing customer service (including troubleshooting in connection with customer issues).
  • as we believe to be necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities, including public and government authorities outside your country of residence; (d) to enforce our terms and conditions; (e) to protect our operations or those of any of our affiliates; (f) to protect our rights, privacy, safety or property, and/or that of our affiliates, you or others; and (g) to allow us to pursue available remedies or limit the damages that we may sustain.

OTHER INFORMATION

Other Information We May Collect

“Other Information” is any information that does not reveal your specific identity, such as:

  • Browser and device information
  • Server log file information
  • Information collected through cookies, pixel tags and other technologies
  • Demographic information and other information provided by you
  • Location information
  • Aggregated information

We may use and disclose Other Information for any purpose, except where we are required to do otherwise under applicable law.  If we are required to treat Other Information as Personal Information under applicable law, then, in addition to the uses listed in the “How We May Collect Other Information” section below, we may use and disclose Other Information for all the purposes for which we use and disclose Personal Information.

How We May Collect Other Information

We may collect Other Information in a variety of ways, including:

  • Through your browser or device:  Certain information is collected by most browsers or automatically through your device, such as your Media Access Control (MAC) address, computer type (Windows or Macintosh), screen resolution, operating system name and version, device manufacturer and model, language, Internet browser type and version, service provider, and the name and version of the Sites (such as the App) you are using.  We use this information for statistical purposes as well as to ensure that the Sites function properly.
  • Through server log files:  Your “IP Address” is a number that is automatically assigned to the computer or device that you are using by your Internet Service Provider (ISP).  An IP Address is identified and logged automatically in our server log files whenever a user visits the Sites, along with the time of the visit and the page(s) that were visited.  Collecting IP Addresses is standard practice on the Internet and is done automatically by many websites.  We use IP Addresses for purposes such as calculating Sites usage levels, helping diagnose server problems, and administering the Sites.  Please note that we treat IP Addresses, server log files and related information as Other Information, except where we are required to do otherwise under applicable law.
  • Using cookies:   Cookies
    To enrich and perfect your online experience, Orchid Insurance uses “Cookies”, similar technologies and services provided by others to display personalized content, appropriate advertising and store your preferences on your computer. A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. Orchid Insurance uses cookies to help Orchid Insurance identifies and tracks visitors, their usage of http://orchidinsurance.com, and their website access preferences. Orchid Insurance visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Orchid Insurance’s website, with the drawback that certain features of Orchid Insurance’s websites may not function properly without the aid of cookies.If you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allows you to decline the use of cookies.  To learn more about cookies, please visit http://www.allaboutcookies.org/.  By continuing to navigate our website without changing your cookie settings, you hereby acknowledge and agree to Orchid Insurance’s use of cookies.
  • Using pixel tags, web beacons, clear GIFs or other similar technologies:  These may be used in connection with some Sites pages and HTML-formatted email messages to, among other things, track the actions of Sites users and email recipients, measure the success of our marketing campaigns and compile statistics about Sites usage and response rates.
  • Physical Location:  We may collect the physical location of your device by, for example, using satellite, cell phone tower or WiFi signals. We may use your device’s physical location to provide you with personalized location-based services and content, including advertising. We may also share your device’s physical location, combined with information about what advertisements you viewed and other information we collect, with our marketing partners to enable them to provide you with more personalized content, including advertising and to study the effectiveness of advertising campaigns. In some instances, you may be permitted to allow or deny such uses and/or sharing of your device’s location, but if you choose to deny such uses and/or sharing, we and/or our marketing partners may not be able to provide you with the applicable personalized services and content.
  • By aggregating information:  Aggregated Personal Information does not personally identify you or any other user of the Sites (for example, we may use Personal Information to calculate the percentage of our users who have a particular telephone area code).

In some instances, we may combine Other Information with Personal Information (such as combining your name with your zip code).  If we combine any Other Information with Personal Information, the combined information will be treated by us as Personal Information as long as it is combined.

Website Visitors

Like most website operators, Orchid Insurance collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Orchid Insurance’s purpose in collecting non-personally identifying information is to better understand how Orchid Insurance’s visitors use its website. From time to time, Orchid Insurance may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

Orchid Insurance also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users submitting forms on orchidinsurance.com. Orchid Insurance only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below.

Gathering of Personally-Identifying Information

Certain visitors to Orchid Insurance’s websites choose to interact with Orchid Insurance in ways that require Orchid Insurance to gather personally-identifying information. The amount and type of information that Orchid Insurance gathers depends on the nature of the interaction. For example, we ask visitors who fill out forms on orchidinsurance.com to provide a username and email address.

Security

The security of your Personal Information is important to us. We use reasonable organizational, technical and administrative measures to protect Personal Information under our control.  Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure.

For certain sensitive forms, such as our Get Appointed form, we use a third-party PCI-compliant service to transmit and store the information.

If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us of the problem by contacting us in accordance with the “Contacting Us” section below (note that physical mail notification will delay the time it takes for us to respond to the problem).

THIRD PARTY SITES

This Privacy Policy does not address, and we are not responsible for, the privacy, information or other practices of any third parties, including any third party operating any site to which these Sites contain a link.  The inclusion of a link on the Sites does not imply endorsement of the linked site by us or by our affiliates. Therefore, we strongly advise you to review the Privacy Policy and terms and conditions of every site you visit.  We have no control over, and shall not be responsible for the content, privacy policies or practices of any third party’s use of information that you provide through use of this functionality, including products or services.

Additionally, we may provide you with access to third-party functionality that permits you to post content to your social media account(s).  Please note that any information that you provide through use of this functionality is governed by the applicable third party’s privacy policy, and not by Orchid’s Privacy Policy.

Aggregated Statistics

Orchid Insurance may collect statistics about the behavior of visitors to its website. Orchid Insurance may display this information publicly or provide it to others. However, Orchid Insurance does not disclose your personally-identifying information.

RETENTION PERIOD

We will retain your Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law.

USE OF SITES BY MINORS

The Sites are directed to individuals who are permitted to share their Personal Information without parental consent and we request that other individuals (including individuals under the age of 13) not provide Personal Information through the Sites.

CROSS-BORDER TRANSFER

Your Personal Information may be stored and processed in any country where we have facilities or service providers, and by using our Sites you consent to the transfer of information to countries outside of your country of residence, including the United States, which may provide for different data protection rules than in your country.

SENSITIVE INFORMATION

We ask that you not send us, and you not disclose, any sensitive Personal Information (e.g., information related to racial or ethnic origin, political opinions, religion or other beliefs, health or medical condition, criminal background or trade union membership) on or through the Sites or otherwise to us.

UPDATES TO THIS PRIVACY POLICY

We may change this Privacy Policy at Orchid’s sole discretion.  Please take a look at the “Last Updated” legend at the top of this page to see when this Privacy Policy was last revised.  Any changes to this Privacy Policy will become effective when we post the revised Privacy Policy on a Site.  Your use of the Sites following these changes means that you accept the revised Privacy Policy.

CONTACTING US

If you have any questions about this Privacy Policy, please contact us as follows:

  1. You may email us at [email protected].
  2. You may call us at 1-866-370-6505.
  3. You may send mail to the following postal mail address:Orchid Insurance
    Marketing Department
    Attn: Orchid Privacy Policy
    1201 19th Place, Suite A110
    Vero Beach, Florida 32960
    USA

Please note that email communications are not always secure. Please do not include credit card information or sensitive information in your emails to us.

Business Transfers

If Orchid Insurance, or substantially all of its assets, were acquired, or in the unlikely event that Orchid Insurance goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of Orchid Insurance may continue to use your personal information as set forth in this policy.

License

Unless otherwise stated, Orchid Insurance and/or its partners own the intellectual property rights for all material on orchidinsurance.com. All intellectual property rights are reserved. You may view and/or print pages from http://orchidinsurance.com for your own personal use subject to restrictions set in these terms and conditions.

You must not:

  1. Republish material from http://orchidinsurance.com
  2. Sell, rent or sub-license material from http://orchidinsurance.com
  3. Reproduce, duplicate or copy material from http://orchidinsurance.com

Redistribute content from Orchid Insurance (unless content is specifically made for redistribution).

Iframes

Without prior approval and express written permission, you may not create frames around our Web pages or use other techniques that alter in any way the visual presentation or appearance of our Web site.

Content

While  we endeavor to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will:

  1. limit or exclude our or your liability for death or personal injury resulting from negligence;
  2. limit or exclude our or your liability for fraud or fraudulent misrepresentation;
  3. limit any of our or your liabilities in any way that is not permitted under applicable law; or
  4. exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.