Welcome to preminsco.com (the “Premins Site”). The Premins Site is owned by The Premins Company, Inc. (“we”).

What personal information do we collect on the Premins Site, and how do we collect it?

• If you are a broker:
  • We will ask you for your name, address, phone number and your e-mail address.
  • If you want to make payments through the Premins Site, we also ask you for your checking account number, the name on that checking account, and the bank routing number.
• If you are an insured:
  • We will ask you for your name, address, phone number, and e-mail.

• • If you sign up for automatic bill payment, we will ask you for the street address associated with your bank account, e-mail address, bank name, bank account number, bank routing number, and phone number.

• • If you sign up for payment by electronic check, we will ask you for the street address associated with your bank account, bank name, bank account number, bank routing number, and phone number. We will also ask you for your e-mail address, but it is not required.

• • If you wish to pay by credit card or debit card, before you enter any personal information, you will be redirected to the Web site of our credit-card processor, Official Payments, at www.officialpayments.com and treated in accordance with that site’s privacy policy. We do not collect on the Premins Site any personal information that you provide in connection with arranging to pay your premiums by credit card or debit card.

How do we use the personal information that we collect? 

• If you are a broker:
  • We will store your name, address, phone number and e-mail on the Premins Site.
  • We use your e-mail address to send you confirmations of payments and other transactions.
  • Your name, address, phone number, bank account number and bank routing number will be forwarded to our payment processor, Chase Paymentech (www.chasepaymentech.com), and treated according to that company’s online privacy policy. Chase Paymentech will send us back a confirmation number that we will use to identify you when you use the Premins Site. We will not store your bank information on the Premins Site.
  • The Premins Site automatically logs errors and various categories of diagnostic information.  All error log data is used only to resolve technical issues and will only be shared with technology partners that we may retain to help us maintain the Premins Site.  Diagnostic and error logs can contain any information entered into the Premins Site that resulted in a site error, so it is possible that your bank information may reside on the Premins Site momentarily if it shows up in an error log, but if that happens, it will be deleted.

• If you are an insured:
  • We will store your name, address, phone number, and e-mail address on the Premins Site, along with other information from your account that is not personally identifiable information, such as the last four digits of your bank account number and your policy details.
  • If you sign up for automatic premium payment:
    • We will use your e-mail address to notify you before the scheduled date of any payment to remind you that your bank account will be debited in the amount of the payment due.
    • Your name, address, phone number, bank account number and routing number will be forwarded to Chase Paymentech, our payment processor (www.chasepaymentech.com) and treated according to that site’s privacy policy. Chase Paymentech will send us back a confirmation number that we will use to identify you when you use the Premins Site.
    • We will not store your bank information on the Premins Site.
  • The Premins Site automatically logs errors and various categories of diagnostic information.  All error log data is used only to resolve technical issues and will only be shared with technology partners that we may retain to help us maintain the Premins Site.  Diagnostic and error logs can contain any information entered into the Premins Site that resulted in a site error, so it is possible that your bank information may reside on the Premins Site momentarily if it shows up in an error log, but if that happens, it will be deleted.
  • If you sign up for payment by electronic check:
    • We will use your e-mail address to send you receipts for the payments.
    • Your name, address, phone number and bank information will be forwarded to Chase Paymentech, our payment processor (www.chasepaymentech.com) and treated according to that site’s privacy policy. It will not be stored on the Premins Site. Chase Paymentech will send us back a confirmation number that we will use to identify you when you use the Premins Site.

Do we use cookies (and what are they)? 

Cookies are pieces of information that a Web site places on your computer to facilitate and enhance your communication and interaction with that site by making it easier for you to navigate it. “Session cookies” enable a Web site to keep track of your movement from page to page, so that you are not asked for information more than once. We use session cookies. We do not use cookies for any other purpose. Cookies must be enabled for you to enter and use the Web Site.

Do any third parties collect personal information on the Premins Site?

No. We use Google® Analytics to track user activity.  Google tracks where you go on the Premins Site and combines that information with information that Google may have about you through your having a Google account and/or through your use of other Web sites that use Google Analytics.  Google and its affiliates may use cookies — but *not* your name, address, email address, telephone number or any other information that identifies you personally — to serve advertisements about goods and services of interest to you on the Premins Site and on others that you visit. Google’s use of the information it collects is subject to Google’s own privacy policy, which is available at http://www.google.com/policies/privacy.

What about non-confidential information that you transmit to us?

Any communication or material that you transmit to us by electronic mail or otherwise, including any data, questions, comments, suggestions, or the like is, and will be treated as, nonconfidential and nonproprietary. We may use anything you transmit to us or post on the Premins Site for any purpose, including but not limited to, reproduction, disclosure, transmission, publication, broadcast, posting and/or ranking. Furthermore, you expressly agree that we are free to use any ideas, concepts, know-how, or techniques contained in any communication you send to us without compensation and for any purpose whatsoever, including but not limited to, developing, manufacturing and marketing products and services using such information.

How can you correct your personal information?

To keep your personal information accurate, current, and complete, please contact info@preminsco.com, fax 718-376-8300 or mail 1407 Avenue M, Brooklyn, NY 11230.

How can you be sure that your personal information is secure on the Premins Site?

We take reasonable steps to protect your personal information as you transmit it from your computer to our site and to protect it from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. You should keep in mind that no Internet transmission is ever 100% secure or error-free. In particular, e-mail sent to or from the Premins Site may not be secure, Moreover, where you use passwords, ID numbers, or other special access features on the Premins Site, it is your responsibility to safeguard them.

The Premins Site may contain links or references to other Web sites. Please be aware that we do not control such other Web sites and that, in any case, this privacy policy does not apply to those Web sites. We encourage you to read the privacy policy of every Web site you visit.

If you are a California resident, how can you find out the names of any information brokers or any other third parties with whom we share your personal information under California Privacy (Cal. Bus. & Prof. Code § 22575 et seq. (“Cal-OPPA”))?

Please contact info@preminsco.com, fax 718-376-8300 or mail 1407 Avenue M, Brooklyn, NY 11230.

How will you know if this policy has changed?

If this privacy policy changes, the revised policy will be posted here. Please check back periodically, and especially before you provide any personal information. This Privacy Policy was last updated on October 30, 2013.