Privacy

This privacy policy (“Privacy Policy”) describes how One80 Intermediaries Inc, along with its affiliates and subsidiaries (collectively, “One80”, “we”, “us”, or “our”) collects, uses, discloses, stores, and transmits (processes) information that identifies or relates to an identifiable individual (“personal information”) in the course of providing services (the “Services”) in relation to:

The use of our websites and associated Services that link to this Privacy Policy, including www.selmanco.com and other websites controlled by One80 (the “Sites”);
Our former, current and prospective clients;
Individuals who communicate with us;
Individuals who use our Services; and
Individuals whose personal information we receive in providing the Services.

Information We Collect

We may collect personal information about you and related third parties, including beneficiaries, dependents, employees or other participants in the Services offered to you. By providing us with the personal information of any third party, you confirm that you have the authority to do so on their behalf and have provided them with the information set out in this Privacy Policy.

The categories of personal information we collect can include:

Personal identifiers such as your name, email address, mailing address, phone number, date of birth, and government-issued identifiers (e.g., social security or national insurance number, passport number, ID number, tax identification number or driver’s license number).
Customer records such as your identification documents, account credentials, and payment and billing information (credit or debit card or other financial information).
Commercial information such as your communication with us or interest or participation in an insurance product, risk consulting service or other Services.
Demographics such as race, ethnicity, gender, marital status, date and place of birth.
Sensory information such as photos and videos of you and audio recordings of phone calls between you and us, where permitted by law.
Preferences you provide to us or generated through your use of the Services, including inferences we may make based on our experience with you.
Internet, network and device information from the browser or device you use to access our Services, which could include your IP address, device ID, cookie identifiers, browser type, internet service provider, referring/exit pages, operating system, date/time stamp and or clickstream data.
Professional information in connection with your role as a brokerage or carrier partner, agent, vendor or research partner.
Education information such as educational history.
Sensitive information we may collect the following categories of personal information, which may be classified as “sensitive” depending on the applicable privacy laws (“sensitive information”):
- Government-issued identifiers;
- Username and password;
- Demographics such as race, ethnicity, religion, citizenship status, sexual orientation or sex life;
- Information about a known child under the age of 13;
- Health and medical information, including medical history; and
- Payment card and financial account information.

How We Use Your Information

We and our third-party partners may use personal information for any lawful purpose, including the following:

To create, maintain and service your account;
To respond to your inquiries or otherwise communicate with you;
To evaluate your eligibility for and provide Services you request, including to provide publications to which you subscribe;
To operate, personalize, and improve the Sites and their features, including for analytics purposes;
To send promotions and marketing materials that may be of interest to you in accordance with applicable laws;
To present advertising online and via other communication channels, including through social media platforms and internet search engines;
To send you important information regarding the Services, such as certain changes to our terms, conditions, policies, and other administrative information. Because this information may be material to your use of the Services, you may not opt-out of receiving such communications;
To administer and manage our vendors and business partners;
To analyze, improve and grow our business;
To help maintain and enhance the safety, security, and integrity of our property, products, Services, technology, assets, and business;
To detect, prevent, investigate or provide notice of security incidents or other malicious, deceptive, fraudulent or illegal activity and protect the rights and property of One80 and others;
For our other business purposes, such as analysis, research, audits, fraud detection and prevention, payment processing, developing new products and features, identifying usage trends, and our internal operational purposes;
To comply with our contractual obligations and applicable law(s) or to respond to valid law enforcement requests and as permitted by applicable law, court order, or governmental regulations and enforce our corporate reporting obligations and our Terms of Use;
To facilitate business transactions and reorganizations;
To help maintain the safety, security, and integrity of our Services, technology assets, and business; and
With your consent, or as otherwise disclosed at the time information is collected.

We may also use aggregate, deidentified and anonymous information in a manner for any lawful, legitimate purpose such that the information does not uniquely identify you or any other user of the Services. Such data is outside the scope of this policy. Where we maintain deidentified data, we will maintain and use the data in deidentified form and not attempt to reidentify the data except as required or permitted by law.

Disclosure of Personal Information

One80 may share your personal information with other parties in the ways that are described in this Privacy Policy, including the following:

Within Accession. We share personal information with our subsidiaries and affiliates in the Accession family of companies, so that they also may use such personal information for the purposes described in this Privacy Policy. For example, we may disclose your information to affiliates who serve a role in supplying the Services, or with whose Services you may be interested in;
Business partners. We share information with our business partners, such as the third-party agents, contractors, brokers, carriers, administrators or other third parties involved in providing the Services;
Service providers. We share personal information with third-party vendors, consultants and other service providers who perform functions or services on our behalf and under our instructions to make our Services available to you. For example, this may include vendors and providers who engage in marketing or advertising activities or provide mailing or email services, tax and accounting services, auditing and compliance, fraud prevention, infrastructure provisioning, analytics services, IT services, product fulfillment, and web hosting;
Business transaction or reorganization. We may take part in or be involved with a corporate business transaction, such as a merger, acquisition, joint venture, or financing or sale of company assets. We may disclose personal information to a third-party during negotiation of, in connection with or as an asset in such a corporate business transaction. Personal information may also be disclosed in the event of insolvency, bankruptcy, or receivership;
Legal obligations and rights. We may disclose personal information to third parties, such as legal advisors, auditors and law enforcement:
- in connection with the establishment, exercise, or defense of legal claims;
- to comply with laws or to respond to lawful requests and legal process;
- to protect the rights and property of One80, our agents, customers, and others, including to enforce our agreements, policies, and Terms of Use;
- to detect, suppress, or prevent fraud;
- to reduce credit risk and collect debts owed to us;
- to protect the health and safety of us, our customers, or any person; or
With your consent or at your direction. In addition to the sharing described in this Privacy Policy, we may share information about you with third parties whenever you consent to or direct such sharing or as otherwise disclosed at the time of data collection or sharing.

We may share information that has been anonymized or aggregated without limitation.

Privacy Preferences

You have some choices regarding how we use your personal information, including those in this section and, depending on where you live, please see the Region-Specific Disclosures section of the full Privacy Policy for additional information that may apply to you.

Correcting and updating your information. You may change any of your personal information in your account by editing your profile within your account. If you have questions about reviewing, changing, or deleting your information, you can contact us directly using the contact information below. We may not be able to change or delete your information in all circumstances.
Marketing emails. If you decide that you do not wish to receive marketing emails from One80, you may opt-out of receiving further e-mails by clicking “Unsubscribe” in such emails. You may also opt out or unsubscribe from future emails by sending a request to legal@one80.com using the subject line “Unsubscribe from email communications.” To ensure your opt-out request is properly processed, be sure to send your message using the same email account to which we sent our correspondence.

Your Choices

Cookies and Online Advertising

We permit our trusted business partners and third-party advertising companies (including ad servers, ad agencies, technology vendors, or providers of sponsored content, collectively “ad partners”) to collect your browsing information and numerical identifiers associated with your browser or device to provide ads on our behalf that are tailored to your interests. These ads may appear on our website, and on other third-party websites. Using cookies, our ad partners collect data from a particular browser or device about a user’s web viewing behaviors over time, across unrelated websites, and in some cases combine such data with data collected from other browsers or devices associated with the same user or household, and use such data to predict user preferences and to deliver advertisements to that user which are calculated to target that user’s predicted preferences across devices.

Most browsers accept cookies automatically, but you can block or delete cookies at any time to prevent the collection of your browsing information for purposes of delivering interest-based ads and tracking visitor behavior. You can block or opt out of cookies or collection of data for interest-based advertising by adjusting settings within your device or browser. For instructions, check your browser’s technical information. If you take steps to block advertising cookies or opt out of interest-based advertising, note that this does not mean that you will no longer receive ads from One80, as these ads are only one form of digital advertising. The Digital Advertising Alliance (“DAA”) and the Network Advertising Initiative (“NAI") allow individuals to opt out of receiving online interest-based advertising from companies that participate in their programs. You can also find options for restricting cookies placed by some of our ad partners on the DAA’s opt-out page (http://optout.aboutads.info/) or the by using the NAI’s opt-out tool (https://optout.networkadvertising.org/?c=1).

If you are using a mobile device, your device may also include a feature ("Limit Ad Tracking" on iOS or "Opt Out of Ads Personalization" on Android) that allows you to opt out of having certain information collected through mobile apps used for behavioral advertising purposes. If you block cookies at a browser- or device-level and use a different computer or browser to access our platforms, you should review your cookie settings again. Please be aware that blocking or deleting cookies may also disable or interfere with shopping features on our services and other sites that you may visit.